Some of your students are about to lose their funding.
Do you have a plan?
As of July 1st, Grad PLUS loans are eliminated for new borrowers and Parent PLUS is capped at $20,000 per year. Students who relied on those programs now have a gap. Schools that have a private lending plan in place keep those students enrolled. Schools that don't, lose them.
LoanAmerica fills the gap, tuition, graduate, and parent loans ready to deploy
Built to approve more of your students, including thin-file and no-cosigner applicants
72-hour funding target to your bursar, no disruption to enrollment
Track record
$20B+
STUDENT LOANS ORIGINATED SINCE 1997
72hr
Funding target
All profiles
Every credit tier reviewed
Jul 1
Federal aid changes
30 days
Typical go-live
Trade Schools · Allied Health · Aviation · Nursing · Graduate Programs · 4-Year Universities
The Policy Change Every School Needs to Plan For
Schools that wait
will lose enrollment.
Schools that act now won't.
The One Big Beautiful Bill Act is not a rumor. It eliminated Grad PLUS for new borrowers entirely and capped Parent PLUS at $20,000 per year, effective July 1st. Every student who relied on those programs now has a gap. If your school doesn't have a private lending alternative ready, those students don't enroll, or they don't finish.
LoanAmerica can be live at your school in 30 days. The partnership review is free and takes one conversation.
Start the ConversationGrad PLUS eliminated
for all new borrowers
Parent PLUS capped
at $20K/year, $65K lifetime
Effective date
July 1, 2026
Go-live timeline
30 days with LoanAmerica
THE COMPARISON
How Does LoanAmerica Stack Up?
Most private lenders focus on prime borrowers with established credit. LoanAmerica is designed from the ground up to serve the full credit spectrum, including thin-file, no-cosigner, and full-spectrum credit borrowers that traditional lenders typically decline.
Funds are targeted for disbursement to your bursar within 72 hours of certification. Add LoanAmerica alongside your existing lenders. We extend financing where others stop.
Credit Spectrum
Funding Speed
Specialized Products
Cash-Flow Underwriting
| LoanAmerica | Leading Private Lenders | |
|---|---|---|
| Credit Spectrum | All credit profiles reviewed | Typically prime-focused (700+ FICO) |
| Minimum Credit Requirement | No minimum FICO required | Minimum thresholds apply; thin-file applicants often declined |
| Co-Signer | Optional across all tiers | Optional for select borrowers |
| Funding to School | 72-hour target SLA | Varies by certification |
| 90-Day Cash-Flow Underwriting | ||
| Emergency & Micro Loans ($1,000+) | ||
| In-School Deferment | Available to eligible applicants | Varies by lender |
| AI-Powered Student Support | Dedicated assistance, application to repayment | Standard customer service |
| ELM / FASTChoice Compatible |
CREDIT SPECTRUM SERVED
Why it matters: Students who don't meet traditional credit thresholds are left without a funding path. LoanAmerica is built to serve the students who fall through those gaps.
THE DIFFERENCE
Higher Approval Rates for More Students
Traditional private lenders rely on FICO as the primary gatekeeper. Students without established credit get declined automatically. LoanAmerica takes a different approach:
Our underwriting is designed to review every credit profile, not just prime borrowers
No minimum FICO required. Thin-file and no-history applicants welcome
Co-signer optional across all credit tiers, never a blanket requirement
We evaluate actual cash flow and ability to repay. We analyze 90 days of bank transactions to build a real-time picture of financial capacity.
THE PROCESS
Three Steps to Go Live
Simple for students. Seamless for your office.
Student Applies
Student applies online. No hard credit check. Decision in minutes. They choose the product that fits.
Your School Gets Funded
Your office certifies via ELM, FASTChoice, or HES/TurnKey. LoanAmerica targets disbursement to your bursar within 72 hours of certification.
We Handle Everything Else
LoanAmerica manages all servicing, repayment, and compliance directly with the student. Your staff focuses on education.
YOUR EXPERIENCE
Frictionless for Schools.
Student-Friendly Terms.
Students apply in minutes via a soft pull that won't impact their credit. Decisions come back instantly. Co-signers are optional, not required.
Students are more likely to be approved with LoanAmerica than with any other lender on your list. Because our underwriting looks beyond FICO, more students get the funding they need to stay enrolled.
WHAT LOANAMERICA HANDLES
WHAT YOUR OFFICE DOES
That's it. You certify. We handle everything else.
LENDING SUITE
More Students, More Seats Filled
From a $1,000 tuition bridge to a $100,000 professional loan, every student has a financing path. One application covers all three products.
Tuition Loan
Up to $35,000
Covers the gap between federal aid and total cost of attendance.
Graduate & Professional Loan
Up to $100,000
For Master's, JD, MD, and doctoral students affected by Grad PLUS elimination.
Parent Loan
Up to $35,000
Fills the gap from the new $20K annual Parent PLUS cap.
PARTNER WITH US
One conversation. Live in 30 days.
The partnership review is free, takes about 30 minutes, and gives you a clear picture of how many of your students are affected by the July 1st changes and what LoanAmerica can cover. No commitment required.
Partnership Review
We size your funding gap and walk through which students are affected.
Program Configuration
We configure products to your program mix and enrollment profile.
Agreement & Go Live
Simple participation agreement. Portal live, students typically funded within 30 days of go-live.
Request a partnership review
Tell us about your institution. A LoanAmerica partnerships director will review and reach out within two business days.
Schools can use the Private Student Loan Calculator to model what financing looks like for their typical students.