HOW IT WORKS

    Application to disbursement
    in 72 hours.

    LoanAmerica's process is designed for speed and transparency. Four steps from application to funds in the bursar's office.

    THE LOAN NAVIGATOR

    Four steps from application to funded.

    1

    Apply through the Loan Navigator

    Submit a single application in approximately 3 minutes. The Loan Navigator collects student information, school and program details, and loan amount requested.

    2

    School and program verification

    LoanAmerica® verifies school accreditation and program eligibility. The Credential Score model evaluates the application using program outcomes, placement rates, and traditional credit factors.

    3

    Approval decision

    An approval decision is issued with rate, term, and disbursement details. Decisions typically arrive within 24 to 48 hours.

    4

    Disbursement to institution

    Funds disburse directly to the institution's bursar within 72 hours of approval. Emergency Bridge Loans disburse within 24 hours.

    ELIGIBILITY

    All credit profiles considered.

    Final eligibility is confirmed during the application process.

    Enrolled student

    Active enrollment required.

    Accredited US institution

    Vocational, undergrad, grad, or professional.

    Credential Score evaluation

    Program outcomes weighed alongside FICO.

    Co-signer optional

    Often improves rate, not always required.

    All credit profiles

    Including thin-file and subprime.

    Ready to apply?

    Start a single application through the Loan Navigator. Decisions in 24 to 48 hours. Funds in 72.

    Contact support to begin