The staff at WesternU's Financial Aid Office has created an alternative lender list to assist you in making a decision on a loan that best meets your needs. The Financial Aid Office requires that if you are going to borrow alternative loans that you go through the pre-approval process before we will certify a loan. Simply click on the lender link. These links bring you directly to the lender website. Once you complete the pre-approval process you will be notified of your status. Upon approval your lender will send the Financial Aid Office an e-mail asking for certification.

Note: Please do not apply for your alternative loans more than 60 days prior to your enrollment start date.

As a borrower you have the right and ability to select the education loan provider of your choice, even though they are not shown on our lender list. Selecting a lender that is currently not on our list will not have any consequences - all loans will be processed in a timely manner.

Lenders listed below are arranged in alphabetical order. This list is subject to change without notice. Please note: Western University of Health Sciences does not endorse or recommend any of the lenders listed below. WesternU's lender list does not contain any lender that has offered or solicited any financial or other benefits to be a part of our lender list.

Please note: This list is subject to change without notice.

Loan Provider	Co-signer Required	Interest Rates	Fees	Minimum Loan	Grace Period	Deferment Periods	Re-payment	Interest Reduction	Relocation Loan	Miscellaneous
Citibank Apply Online 1-800 692-8200	For International Students	Fees - zero to 3.5% Interest rate - Prime plus 1 to 4% Based on credit analysis	As low as 0.0% Based on credit	$1000.00 for borrower's first loan only. No minimum on subsequent loans.	6 mos.	48 mos.	25 year maximum	0.25% Interest rate reduction with electronic debit 0.50% Interest rate reduction after 48 on time payments	Yes - $18,000 Fees - zero to 6% Interest rate - Prime plus 1 through 7.5%	Co-signer released after 24 consecutive on time payments.
Sallie Mae Signature Loan Apply Online 1-888-272-4665	For International Students	3-month Libor plus 2.00% to Libor plus 7.5% Effective October 27, 2008 - New terms will be as follows - 1 month libor +4% to 1 month libor +10.75% Based on credit analysis	Zero	$500.00	6 mos.	36 mos.	25 year maximum	0.50% Interest rate reduction with electronic debit	Yes - $12,000	Co-signer released after 24 consecutive on time payments
SunTrust Apply Online 1-866-763-6350	For International Students	1-month Libor plus 2.0% to 1-month Libor plus 8.0% Based on credit analysis	Zero A repayment fee may apply based on credit history ranging from 2.0% to 4.0%	$1001.00	6 mos.	Forbearance option available	20 year maximum	0.25% Interest rate reduction with electronic debit $300 principal reduction per loan at graduation	No	Co-signer released after 48 consecutive on time payments
Wells Fargo Apply Online 1-800-658-3567	For International Students	Prime plus 1.0% or 2.0% Based on credit analysis	Zero	$1,000	6 months	36 months	20 year maximum	0.25% Interest rate reduction with electronic debit 0.50% Interest rate reduction upon verification of graduation	Yes - $15,000	Co-signer released after 24 consecutive on time payments

Note: All Lenders loan limits are the cost of attendance and all capitalize interest at repayment. Also all lenders use a variable interest rate, which may change quarterly. For the current Prime or Libor interest rates please visit the Bankrate web site. Remember when calculating interest to include the additional points as stated for each lender.