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Wellfi Student Loans
Union Federal® Private Student Loan

School & Loan Information

The type of degree the loan is for
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Are you the applicant or cosigner
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Are you applying with a cosigner
Most students have limited credit history and income. Adding a cosigner with a solid financial history and good credit may help improve your chances of loan approval by 4 times and sometimes may even result in a lower interest rate.Required Field.
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Select the grade level
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Year must be between 2019 to 2021
Year must be between 2019 to 2022
Year must be between 2019 to 2028
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Help Topics

What Factors Help Icon
What factors are used in the initial credit review?
The initial credit review is based on the information you and your cosigner (if applicable) provide during the application process and the information obtained from your credit report (and any cosigner's credit report). If you pass the initial credit review, documentation will be requested to verify your identity and annual income. A signed Loan Packet, including the Credit Agreement, Approval Disclosure and Applicant Self-Certification Form is required before a final loan decision is made. Your school will be required to certify the loan amount for the upcoming academic year/semester prior to disbursement.
Cost of Attendance Help Icon
Why do you need the Student's Cost of Attendance and Estimated Financial Assistance?
Before a final loan decision is made, you will be asked to sign an Applicant Self-Certification Form. The Student's Cost of Attendance and Estimated Financial Assistance are two fields on the form. By entering the information here, we are able to pre-fill the Applicant Self-Certification Form with this information.
Help How much can i borrow Help Icon
How much can I borrow?
The minimum and maximum you can borrow is determined by the school you are attending, the loan type you selected, and your state of residence.
Prepay Help Icon
Is there a penalty for pre-payment or paying the loan off early?
No, there is not a penalty for pre-payment of your loan. You will only be charged the amount of interest that has accrued on the loan until the day the loan is paid off.
What School Help Icon
In order to apply for a loan, do I need to know what school I'm attending?
Yes, you need to be enrolled at least 1/2 time as a student at an eligible school.

Keep in mind

Make sure you're prepared with this information before you apply:
Exhausted funding Help iconExhaust other funding first
Let us help fill the financial gaps after you've applied for Grants, Scholarships, and Federal Aid
Arrow iconApply with a qualified cosigner

It can make a big difference
-see why
Arrow iconDo I meet the Requirements?

FAQ Arrow iconFrequently asked questions
Terms Arrow iconGlossary and Terms

Have questions?

Contact us at:

866-513-8445



The Union Federal® Private Student Loan is made by Citizens Bank, N.A. ("Lender"). All loans are subject to individual approval and adherence to Lender's underwriting guidelines. Program restrictions and other terms and conditions apply. LENDER AND COGNITION FINANCIAL CORPORATION EACH RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS AND BENEFITS AT ANY TIME WITHOUT NOTICE. TERMS, CONDITIONS AND RATES ARE SUBJECT TO CHANGE AT ANY TIME WITHOUT NOTICE.


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