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HCCC > Admissions > Financial Aid > Alternative Education Loans 

Alternative Education Loans

Alternative Education Loans are private loans through different lenders to assist with the cost of education. Typically, these loans are sought after when federal direct loans are not enough to cover the cost of education. These are a few things you should consider when borrowing an Alternative Education Loan:

  • Consumer loans do not offer the same safeguards or deferment options as the federal programs

  • Alternative loans are not guaranteed and are generally based on income, employment history, and credit history

  • Interest rates and fees are set by each individual lender

  • Most students require a co-signer to obtain one of these private loans

  • Research each individual program carefully to ensure you have all the information to make a good decision

  • The links below are suggested, reputable lenders that Herkimer County Community College has worked with. We do not limit you to these lenders. Feel free to research other lenders.