Before beginning an application you will answer a few questions to determine your eligibility for an EdAccess private student loan. If you do not see your school on the dropdown list or if you are attending school less than half-time, you are unfortunately not eligible for a loan at this time. Students with Freshman of Sophomore class status will need to apply with a creditworthy cosigner, and if you are not a US Citizen you will need a cosigner who is.

If you are eligible to apply then you will create your own user account and login information to be used for this and all future loan applications.

An account activation email will be sent to the address you use for registration.

Follow the activation link from your email and sign in with your new username and password in order to continue.

Fill out the information about your identity

Confirm entered information

Using this information we will attempt to electronically verify your identity. To assist this process you may be asked to answer 4 multiple choice questions about yourself. These questions can be hard, so it is okay if you are not able to pass. If we cannot verify your identity electronically with the information you have entered, we will just ask to manually verify it later in the application process with a state issued ID or passport. Make sure you continue on to the next step.

Create a four digit security PIN that will be used later to electronically sign your loan documents.

Your application is created by entering your academic enrollment information and loan amount, both of which will be certified by your school prior to disbursement. You will also enter the name and contact information for your cosigner.

At this point an email invitation will be sent to your cosigner with a link and instructions to create their own user account and begin their portion of the application. Your application will not be processed until your cosigner has created a user account, verified their identity, and entered their employment and income information.

Once your application has been conditionally approved you will be able to sign the online documents necessary for your loan. But first you have to select a lender

If you are not already a member of one of our participating credit unions you will first be matched to one that you are eligible to join. Continue through the steps to determine which you can join and to sign a membership agreement for that credit union.

You will then be able to electronically sign your promissory note using the 4 digit security PIN you selected during the identity verification step.

You will adopt an electronic version of your signature that can be entered as you review the document. The promissory note is a legally binding document, but if for some reason you are unhappy with your loan our cancellation policy allows you to cancel and return disbursements within 30 days, with no fees attached and no questions asked.

Next you will select your loan terms and interest rate.

The loan margin is based on your FACS Grade and the base rate is updated quarterly based on the LIBOR Index. You have the option to make full interest payments while in school, waiving the upfront fee, or to defer the full interest payments and only pay a nominal $25 good faith payment towards principal and interest while in school. The official repayment period begins after the 6 month grace period following graduation or withdrawal from school.

You and your cosigner will be asked to send in certain documents to verify the information on your application, such as a school tuition bill or transcript, a picture ID, or income documents. These documents can be emailed or faxed, or uploaded directly to your account from your computer for faster processing.

Click add account

All monthly loan payments are made via automatic electronic funds transfers using the financial institution account you designate in your profile. Make sure the routing and account numbers you enter are accurate as this account will be verified for your security.

Once you link an account we will send a small debit and credit transaction which will show on your statement within 2-3 days.

Entering those amounts as you see them allows you to verify your account with us. There must be a verified financial institution account on file prior to the disbursement of funds.

Cosigners receive an invitation email sent by the borrower when creating the application. This email will contain a link directing you to the website where you will enter in the borrower’s last name and both of your birth dates for security purposes.

You will create your own unique user account and login information to be used for this and all future cosigned loan applications.

If you are registering with a different email address than the one the invitation email was sent to, an account activation email will be sent to the new address. Follow this link and sign in with your new username and password in order to continue.

Enter in your personal and contact information to create your account and for identity verification.

Confirm entered information

Using this information we will attempt to electronically verify your identity. To assist this process you may be asked to answer 4 multiple choice questions about yourself. These questions can be hard, so it is okay if you are not able to pass. If we cannot verify your identity electronically with the information you have entered, we will just ask to manually verify it later in the application process with a state issued ID or passport. Make sure you continue on to the next step.

Create a four digit security PIN that will be used later to electronically sign your loan documents.

You will need to enter your employment and income information, which will be verified later by the documents you send in. You can preview the enrollment and loan information entered by the borrower before the application is submitted. After clicking continue, credit is run and the application is processed to determine conditional approval status.

Once the application has been conditionally approved and the borrower has signed their loan documents, you will be able to electronically sign your copy of the promissory note using the 4 digit security PIN you selected after the identity verification step.

Enter your 4 digit security PIN You will adopt an electronic version of your signature that can be entered as you review the document. The promissory note is a legally binding document, but if for some reason you are unhappy with your loan our cancellation policy allows you to cancel and return disbursements within 30 days, with no fees attached and no questions asked.

You and the borrower will be asked to send in certain documents to verify the information on your application, such as copies of your recent pay stubs, W2, or state-issued ID. These documents can be emailed or faxed, or uploaded directly to your account from your computer for faster processing.

Click add financial institution

All monthly loan payments are made via automatic electronic funds transfers using the financial institution account you designate in your profile. The cosigner’s account can be primary for payments or only as an alternative method if the borrower is unable to meet a payment with their own account. Make sure the routing and account numbers you enter are accurate as this account will be verified for your security.

Click verify account

Once you link an account we will send a small debit and credit transaction which will show on your statement within 2-3 days. Entering those amounts as you see them allows you to verify your account with us. There must be a verified financial institution account on file prior to the disbursement of funds.