Private loans are available through a number of education lenders to assist students when federal loans are not enough to cover the cost of attendance. These unsecured loans can be more costly than the federal loans. The interest rates are typically variable and may be tied to the prime rate, LIBOR rate, or treasury bill rate. Borrower eligibility, co-signer requirements, interest rates, maximum loan levels, and repayment options vary according to the program. These loans are based on creditworthiness, which is based on the applicants credit history. It is recommended that you request a copy of your credit report annually to evaluate your ability to secure private loan funds. You may contact a local credit bureau in your area or one of the three national credit bureaus listed below:
| Equifax | Trans Union | Experian |
| Consumer Relations | Consumer Relations | Consumer Relations |
| P.O. Box 105873 | P.O. Box 390 | P.O. Box 2104 |
| Atlanta, GA 30348 | Springfield, PA 19064-0390 | Allen, TX 75013-2104 |
| 800-685-1111 | 800-888-4213 | 888-397-3742 |
| www.equifax.com | www.transunion.com | www.experian.com |
Alternative Loan Chart 2006-2007 (Adobe PDF)
To review the benefits of our Federal Graduate PLUS preferred lenders; please click on the links listed below for the particular lender.
Access Group
www.accessgroup.org
1-800-282-1550
Lender Code: 808851
AMS, a Sallie Mae Co.
www.amsweb.com
1-888-829-3880
Lender Code: 833067