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The institutional loan is available for undergraduate students who have completed at least 96 credit hours, including 24 institutional credits, but no longer have any federal financial aid loan eligibility. This loan is designed to assist students with paying for their final terms in school and can cover tuition only. Students are responsible for utilizing other resources to pay for their textbooks.


Student can borrow up to a maximum of $8,400 for the remainder of their program, or up to 24 credits, whichever comes first.


Students will have a $25 payment per month while in school, and then will have up to 10 years to repay the loan after they are no longer enrolled in courses. Students who miss two consecutive payments will not be eligible for additional disbursements until their payments are brought current.


Eligible students are undergraduate students who are eligible for Title IV aid (have completed a FAFSA) but have reached their aggregate limits. Student must have 96 earned credit hours, including 24 institutional credits, or more to qualify for the loan program.


Students will be provided the award through UNISA, our Institutional Loan Servicer, and will be required to complete entrance counseling and MPN for the loan (which is separate documentation from the Federal Direct Loan Program). Students are required to be at least half-time during the payment period to receive funds. There is an exception for students who are in their final payment period of attendance and will only be attending less than half-time.