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Union Federal® Private Student Loan

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School Selection

What if my school is not listed?

There are two reasons why your school may not be listed:

  • You may be searching under the wrong name. Please try searching under the formal name (e.g. USC would be University of Southern California)
  • Your school is not eligible to participate in the program you have selected
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School Information:

Explore the In-School Refinance Option!

This option allows you to combine the funds needed for next semester with funds to pay off existing private student loans into one new loan.

The process is easy:
  • Complete the application including the amount you need for next semester
  • Submit your application
  • After being approved, enter the information about the private student loan(s) you want to refinance
  • Then choose the interest rate type, repayment term and repayment option that best meet your needs

Application Requirements

Can I use my loan for expenses other than tuition?

Yes. You can use your loan to cover education-related expenses included in your cost of attendance as defined by your school, which often includes expenses such as:

  • Tuition and school fees
  • Books and school supplies
  • Lab fees
  • Room and board
  • A computer
  • Transportation to and from school

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    Depending on your situation, a cosigner may improve your approval chances.


    Why does a cosigner help?

    Applying with a cosigner who has good credit and positive income can help you satisfy credit criteria and may increase your chances of passing the initial credit review. Most students will need a cosigner to qualify. In a cosigned application, both you and your cosigner intend to (a) jointly apply for credit and (b) be jointly liable for the requested loan. Learn more about the Cosigner Advantage here.

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    Enrollment Information

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    Start DateEnd Date
    • The academic period may not exceed 12 months.
    • Your 'Start Date' cannot be more than 4 months in the future.
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    Your expected graduation date must be on or after your academic period end date.


    What is cost of attendance?

    Cost of attendance (COA) is an estimation of tuition and fees, room and board, transportation, and other costs for the period of enrollment covered by the loan, as determined by the school.

    Please keep in mind that COA may vary by student due to a number of factors, including:

    • Residency status (Are you paying in-state or out-of-state tuition?)
    • Type of academic program (Are you an undergraduate or graduate student?)
    • Housing status (Are you living on or off campus?)
    • Number of hours enrolled (Are you enrolled full-time, 3/4 time or 1/2 time?)

    Where can COA be found?

    Check these sources:

    • Your school's financial aid materials including its website
    • Your school's financial aid office
    • Your financial aid award letter

    What is estimated financial assistance?

    Estimated financial assistance includes the total dollar amount of grants, scholarships, work study and federal loans (Stafford, Parent PLUS, Grad PLUS, Perkins, etc) a family receives to fund a student's education for one academic year.

    Where can estimated financial assistance be found?

    If you have received an award letter from your school, the estimated financial assistance should be included there. If you have difficulty determining your estimated financial assistance, you may want to contact your school's financial aid office.

    Requested Loan Amount

    Enter the amount of money you need to borrow and make sure it is within the minimum and maximum loan amount range. This range is based on a number of factors, including your school and state of residence.
    As you determine the best way to finance your education, you should consider the full range of student financial aid options available to you. When federal student loans, scholarships, and grants aren't enough to cover the full cost of an education, a private student loan is often used to supplement these funds. Please do not borrow more than your unmet need.

    Can I use my loan for expenses other than tuition?

    Yes. You can use your loan to cover education-related expenses included in your cost of attendance as defined by your school, which often includes expenses such as:

    • Tuition and school fees
    • Books and school supplies
    • Lab fees
    • Room and board
    • A computer
    • Transportation to and from school

    How much can I borrow?

    The minimum and maximum you can borrow for the upcoming semester/academic period is determined by the school you are attending, the loan type you selected and your state of residence. You must select an amount for the upcoming semester/academic period that is within the approved range.

    If you choose to refinance existing private student loans, select the Add Loans button to seperately enter the payoff amount(s) and details of the loans you are requesting to refinance.

    What is Cost Less Aid?
    Cost Less Aid simply means that you can borrow up to the cost of attendance for your school minus any other financial aid that you may be receiving. Don't worry if you do not know yet how much other aid you may be receiving; your school will verify that you are not requesting more money than you actually need.
    The amount you are requesting for the upcoming semester/academic period.
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    Additional Help

    Help Topics

    What factors are used in the initial credit review?

    Why do you need the Student's Cost of Attendance and Estimated Financial Assistance?

    How much can I borrow?

    Is there a penalty for pre-payment or paying the loan off early?

    In order to apply for a loan, do I need to know what school I'm attending?

    Keep in mind

    Make sure you're prepared with this information before you apply:
    Exhaust other funding first
    Let us help fill the financial gaps after you've applied for Grants, Scholarships, and Federal Aid
    Apply with a qualified cosigner

    It can make a big difference
    -see why
    Do I meet the Requirements?

    Frequently asked questions
    Glossary and Terms

    Have questions?

    Contact us at:


    Union Federal is a federally registered trademark of Cognition Financial Corporation used by SunTrust Bank under license. The creditor for this program is SunTrust Bank and is not affiliated with any other lender. SunTrust Bank, Member FDIC. © 2017 SunTrust Banks, Inc. SunTrust is a federally registered service mark of SunTrust Banks, Inc. and is used with the permission of SunTrust Bank. SunTrust Bank reserves the right to change or discontinue this Union Federal Private Student Loan program without notice. Availability of this loan program is subject to approval under the SunTrust credit policy and other criteria and it may not be available in certain jurisdictions.

    SunTrust Bank may sell your Union Federal Private Student Loan to a third party. All borrower benefits set forth in your credit agreement that are not subject to the discretion of SunTrust Bank must be honored by any potential purchaser provided you qualify for such benefits.

    Cognition Financial Corporation is not an affiliate of SunTrust Bank.

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