Get the
loan you need
in 5 easy steps.

Built for you –
every step of the way.

Funded by Cognition Lending

Our Step-By-Step Process

Generally 100% of the process can be completed online. You'll typically get an initial credit decision in seconds,
but the whole process can take a bit more time. See below for more details about each step.

When you apply, we'll ask you for some basic information like your address, the school you're attending, the amount of funding you need, some income information and a personal reference. After that, you're only a few check boxes away: agree to let us pull your credit, let us know if you want us to email your documents to you, and then we will provide you with important information to help you learn about your loan options1. Make sure you read everything and double-check your answers, then click submit.

Once you submit, we automatically pull and review your credit and application information so we can give you a credit decision quickly. In the meantime, you can check your loan status by logging into your account or calling one of our raise^ private student loan representatives at 800-218-4541800-218-4541.

Once you you have passed the initial credit review, we'll show you the loan options you qualify for1 so you can pick the options that suit you best. See how different loan terms (the time you have to pay the loan back) and repayment types (how you repay the loan) affect your interest rate, monthly payments, and overall anticipated cost of your loan within the application.

We'll ask you for a few more pieces of information to confirm the finer details of your loan—like your (or your cosigner's) income. Upload your documents to your account by selecting the file and loading it (just like you change your profile picture on social media), or you can always send physical copies through the mail—you'll find instructions on how to do this within the application. Our team of raise^ private student loan representatives will review your information and let you know if we need anything else from you. You can always check your loan status by logging into your account or calling one of our raise^ private student loan representatives at 800-218-4541800-218-4541.

The application process helps protect you from unnecessary debt. That's why we have schools verify your loan amount. They can either accept the amount or change it. Once your school certifies your loan, we're good to go!

When the school has certified your loan, you'll get an email telling you it's time to accept your loan. You just have to log in, double-check that your selections are what you want, and then book your loan. After you book your loan, you still have three days to cancel. Then the funds are sent directly to your school—no more work for you!

Once you've accepted your loan, it's time to hit the books, make some friends, and have the college experience you've been looking forward to - free of worries about tuition costs or unpaid fees.