Private Loans

Borrowing to cover tuition and educational expenses

We understand that student loans can feel overwhelming. However, when used responsibly, borrowing may help you stay enrolled and complete your degree.

Before You Apply

We strongly recommend that you first use all available federal loan options (Subsidized and Unsubsidized Direct Loans), as they typically offer better interest rates and repayment protections.

York College does not provide a preferred lender list. You may choose any lender that participates in the private education loan program. For guidance, visit CUNY’s Private Education Loan Programs webpage.

Important Things to Consider

Before applying, review:

• Interest rates and repayment options
• Satisfactory Academic Progress (SAP) requirements
• Enrollment requirements (minimum credits required by your lender)
• Loan restrictions (including past due balances)
• Rate reductions or graduation rewards

To have your loan certified by York College, you must be registered for the minimum number of credits required by your lender.

Your loan period may only cover one academic year (Summer, Fall, and Spring).

Loan Periods

2025-2026:

• 2025 Summer: 06/02/2025 to 08/20/2025
• 2025 Fall: 08/26/2025 to 12/22/2025
• 2026 Spring: 01/26/2026 to 05/26/2026

Processing Timeline

Loan certification takes approximately two (2) weeks.

The certified amount cannot exceed your Cost of Attendance (COA), which includes estimated:

• Tuition and fees
• Housing and food
• Books and supplies
• Transportation
• Loan fees and miscellaneous expenses

Loan Disbursement

Your loan will disburse:

• Nine (9) business days after certification, or
• 30 days before the first day of classes

Once disbursed:

• Funds are posted to your account by the Bursar’s Office
• Prior outstanding balances are paid first
• Remaining funds (if any) are issued as a refund
• All disbursements are reviewed before refunds are released

You can monitor your loan status and account activity in CUNYfirst Student Center.

Please allow time for processing and review your account regularly to stay informed.