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Alternative Student Loans

If federal aid, along with scholarships, state grants, tuition waivers and personal savings is not enough to cover your educational expenses, you may wish to consider borrowing an alternative student loan.  Below you will find information which should help guide you are you decide whether an alternative loan is right for you.

What is it?

Alternative student loans are non-federal, interest-bearing loans through private lenders. Approval is not guaranteed and the student may need a co-signer with good credit to apply. There are a variety of alternative student loans available and it’s up to the student and co-signer to choose the one that is best for them.

Who is eligibile?

Alternative student loans are available to undergraduate and graduate students.  Lender requirements may vary; contact the lender directly for all eligibility requirements.


NDSU offers an online loan comparison tool for you to use called FASTChoice.  FASTChoice is designed to assist you in making the education loan choice that is best for you. FASTChoice is not a lender.  Please keep in mind that you may select any lender of your choice, even if they do not appear on FASTChoice.

Other Alternative Student Loan Options

There are other alternative student loan options.  If your parents prefer to be the primary borrower of the loan rather than co-signer then you may want to consider the Federal Direct PLUS Loan .  If you a North Dakota resident, you may meet the requirements for the Gabriel Brown Trust Loan.

NDSU Financial Aid and Scholarships and its staff do not endorse or accept any incentives, financial or otherwise, from the lenders listed on FASTChoice.  Lender information is provided as a courtesy and in no way should it be interpreted as a requirement to use one of the listed lenders.  NDSU will process loans from any lender that participates in any educational loan programs.

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North Dakota State University
Phone: +1 (701) 231-6200 / Fax: (701) 231-8297
Campus address: Memorial Union 176
Physical/delivery address: 1401 Administration Ave., Fargo, ND 58102
Mailing address: NDSU Dept. 2836 / PO Box 6050 / Fargo, ND 58108-6050
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Last Updated: Monday, August 29, 2016 4:12:30 PM
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