SunTrust

The time to get started is now

Applying for an Academic Answer private student loan is an easy process. Here's how it works. Simply fill out the application provided by our servicing partner, AES, on their Web site. Be sure to have your contact information, Social Security number, driver's license, two references (not living with you), total cost of attendance and estimated financial assistance.

The student's cost of attendance (COA) and estimated financial assistance (EFA) are used to complete the Applicant Self-Certification during the online application process for the Academic Answer loan. This certification is required for all private student loans, regardless of the lender you choose. If you do not have this information available, you may need to contact your school to obtain your COA and EFA before starting the Academic Answer application.

In addition, you may need to provide supporting documentation. A comprehensive list of documentation you may need to provide can be found here.

Will I be eligible?

Qualified borrowers must meet these requirements:

Must be enrolled at least half-time in a degree program at an eligible school.
Must be a U.S. citizen or permanent resident (if applicable, please be sure to provide necessary documentation).
You must be the legal age of majority or at least 17 years of age with a cosigner who is legal age of majority.*
Your permanent residence is NOT in Illinois, Iowa, Texas, Washington, or Wisconsin. (Permanent residents of Illinois are restricted from cosigning for an Academic Answer loan as well).
Many borrowers will need a cosigner. With a creditworthy cosigner, you have a greater chance of getting approved.

* The legal age for entering into contracts is 18 years of age in every state except Alabama and Nebraska (19 years old), and Mississippi and Puerto Rico (21 years old).

School certification

If you are credit approved¹, a school certification request will be sent to your school. When certifying a loan, the financial aid office will verify you are eligible for the loan amount requested. Your funds will be sent directly to the financial aid office to be applied to your account.

Choose from the fields below to start the application

Select your state of permanent residence:

State where school is located:

Name of School:

School term when loan is needed:

Please Note: SunTrust recommends you exhaust all financial aid alternatives including grants, scholarships, and federal loans (Stafford, PLUS and Grad PLUS), prior to applying for private student loans, such as the Academic Answer Loan.

I have read the above statement.

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First Name

Last Name

Email Address

¹Applicant's credit report has been reviewed and meets the minimum credit criteria but the full application approval is pending review of required documentation including certification by the student's school.