The Union Federal Private Student Loan program is currently not
taking applications. If you have recently submitted a loan
application and would like to check your status, please
click here to access your account. If you completed a partial
application, but did not submit it, the application is no
longer eligible for submission.

We expect that the Union Federal Private Student Loan will
continue to be available in the marketplace but funded by a
Lender other than SunTrust. Learn more about a scholarship
sweepstakes and the new loan program options.

Benefits of the Union Federal® Private
Student Loan:

Apply online now. A Union Federal Private Student Loan is a smart way to cover
college essentials.

SunTrust has expanded access to funding! Now even more families can pay for college with a Union Federal Private Student Loan. You worked hard to get into college, let SunTrust help you pay for it. SunTrust can help finance a college education with flexible options. The sooner you start filling out our simple application the sooner you can relax. We've been helping students like you for years, and we can help you too.

A few simple things to know before you apply.

Multiple Loan Options

Take a moment to consider the best way for you to pay back your loan.

Repayment Options
Rate Type

Ways to decrease your rate.


Even a small percentage can make a difference in your bank account.

In-School Refinance Option

Am I eligible?

A Union Federal Private Student Loan can help pay for books, lab fees, and other expenses. Eligibility requirements for the student:

  • Be enrolled at least half-time at an approved school in a degree-granting program
  • Be the legal age of majority, or at least 17 years of age at the time of application if applying with a cosigner who meets the age of majority requirements in the cosigner's state of residence7
  • Have a good credit record, with no student loan defaults or bankruptcies
  • Have positive income, or a creditworthy cosigner with positive income
  • Be a U.S. citizen or permanent resident, unless you are an eligible international student applying with an eligible cosigner who is a U.S. citizen or permanent resident alien. The Union Federal Private Student Loan is not available to students or cosigners who permanently reside in Iowa or Wisconsin.

Cosigners are great.

If someone with a good credit history is a cosigner, your application for a Union Federal Private Student Loan is more likely to be approved. A cosigner can be an eligible parent, guardian, friend, etc.

Application checklist.

Use this checklist to help you prepare to complete the online application process.

  • Personal information (name, Social Security number, date of birth)
  • Address (mailing address and permanent address)
  • Phone number(s)
  • Email address
  • School information (name of school, cost of attendance, grade level, expected graduation date)
  • Loan information (amount needed and when)
  • Income information for the cosigner or student (on a cosigned loan, income is not required of the student but is of the cosigner; for a student applying on their own, income is required of the student)
  • Payoff Documentation (only required for students opting to refinance private student loans6) - learn more about the In-School Refinance Option

Contact Us.

Contact Us

To speak with a Union Federal Private Student Loan Specialist:


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