Alternate aid eligibility available for law students
Private educational loans are available for students to use toward approved educational expenses.
Alternative (private) education loans are offered through banks, many credit unions, and states to help bridge the gap between financial aid and the cost of education. Alternative loans are not federally sponsored or guaranteed; therefore, the FAFSA is not required.
Review SU's Private Loan Information
Students can also compare and contrast private educational loan options through Syracuse University’s Private Loan Database, reviewing available loan products and submitting an application. Approved loans are awarded as part of the financial aid award package and certified by Syracuse University for disbursement to the student’s Bursar account.
Citizens/Permanent Residents of the United States should select “Law Student” as the designated program. We suggest that international and DACA students select the “international” category (and/or review select products in the “Law Student” category if applying with a US-based co-signer).
For a full overview of how alternative loans work, eligibility, and the application process, visit Syracuse University’s Educational Loans page.
Preparing to Apply
Because private loans are credit-based, lenders will review your credit history, existing debt, and repayment record to determine your rate and terms. Syracuse University’s Educational Loans page outlines what to expect in the credit review and application process, including the Private Education Loan Self-Certification form required by most lenders.
Applying with a Co-Signer
Students who don’t meet a lender’s credit criteria on their own may consider applying with a co-signer (parent, guardian, or other creditworthy individual). Cosigner requirements vary by lender, see Syracuse University’s Educational Loans page for general guidance, or contact our office with law-specific questions.
Private Loan Borrowing Guide
This guide is designed to help students and families make informed decisions when considering private or alternative education loans. It provides practical guidance for comparing loan options, borrowing responsibly, and strengthening creditworthiness to help secure more favorable loan terms.