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Private or Alternative Loans
What are they?
Private or Alternative loans are educational loans offered by a non-federal lender (e.g., a private lender, an institution, or credit unions). These loans are not guaranteed by the federal government and may carry higher rates than the loans offered under the federal loans program. Learn more.
How to apply
There are a number of lenders who provide alternative loans. The University has developed a system-wide common lender list based solely on factors related to the borrower's best interest: financial terms of the loan, loan features and the quality of service. UC Lender List provides you with recommended options. Learn more about preferred lenders.
If your private lender approves your loan, they will notify us of this approval and request for our office to certify the loan. Once you download an Alternative Loan Request Form and upload the completed form into the ZotAid portal for this approved loan, we will proceed to certify the loan so your lender can disburse the funds.