• Decide which lender with whom to apply
  • Complete all necessary paperwork. You will be required to fill out a "Self-Certification Form" with your lender. They have the forms available on their website or you may download this electronic version.
  • Provide all necessary signatures

The Lender

  • Sends us an electronic certification request after you have filled out all paperwork and are fully approved


  • Certify that you are an eligible student based on lender criteria
  • Certify that you have unmet educational expenses that this loan will cover
  • Establish what date the funds should be sent to the university

Next Steps

  • After a mandatory seven to ten day rescission period, the lender sends funds to the university via electronic funds transfer
  • Funds are paid directly to your student account with the university
  • Tuition and anything owed the university is paid
  • If there is a balance owed back to you, the university will either process a direct deposit into your checking or savings account or process a paper check that will be mailed to your mailing address on DuckWeb

Things to Remember

  • If you want your loan to cover education related expenses for something not already in your cost of attendance, you will need to request a budget increase. The revision request must be in the Office of Student Financial Aid and Scholarships prior to our receiving the loan certification request.
  • We are able to skew alternative loan payments if your documented educational expenses are different from one term to another. A written request is needed to notify us of your wishes to have the loan skewed.
  • Only some lenders will loan to students who are enrolled in the Community Education Program or are enrolled less than half time.
  • We currently certify loans Monday-Friday and receive records from lenders Monday-Friday. The Business Affairs Office prepares refunds twice a week so there may be a lag between funds paying to your student account and you receiving a refund.
  • We are unable to certify loans for the upcoming academic year prior to July because of necessary computer upgrades. Remember that most credit checks are only good for 90 days.
  • August and September are high volume months for all aspects of the financial aid process. At this time of year, certification of loans may lag by several weeks.