Proceso de préstamos estudiantiles privados

Conozca los pasos para obtener un préstamo estudiantil de SunTrust.

Si es como la mayoría de los estudiantes y padres, probablemente ya está cansado de completar solicitudes relacionadas con la universidad. No se preocupe. El proceso para obtener un préstamo estudiantil de SunTrust se completa en línea y puede solicitarlo en apenas 15 minutos.

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  • Antes de obtener un préstamo estudiantil privado, SunTrust le recomienda que investigue sobre becas, subvenciones y ayuda federal.
  • Revise su informe crediticio
    Credit Report A document provided by a Credit Reporting Agency that shows a person’s, history of making payments on credit accounts, balances, employment information and more.
    para asegurarse de tener un perfil de crédito sólido; en caso negativo, consiga un cofirmante, como uno de sus padres.
  • To apply for a SunTrust private student loan, you must be enrolled at an approved school > 
    Learn what to know before you apply >

Consider a cosigner - a cosigner is an additional applicant, or co-applicant, besides the student, such as a parent. Muchos estudiantes no tienen un historial de crédito sustancial para ser aprobados.

 

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Conozca las opciones de préstamos que desea. Tenga en cuenta lo siguiente:
  • Monto del préstamo.
  • Duración del plazo del préstamo, la cual afectará su pago mensual y el interés total.
  • Tipo de interés fijo o variable, ¿cuál prefiere?
  • If you’re not sure, the loan application has a built-in feature that can help. Learn about planning for a private student loan >

 

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Sepa lo que necesita para solicitar un préstamo estudiantil privado de SunTrust. Vea una lista de control para la solicitud y documentos sobre temas como ingresos y residencia, los cuales pueden solicitarse a ciertos postulantes. Obtenga más información sobre cómo postularse >

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Al cancelar el préstamo, debe tomar algunas medidas:
  • Mantenerse en contacto con el proveedor del préstamo cuando necesite actualizar la información de contacto.
  • Mantenerse al día y no dejar de efectuar los pagos al trabajar junto con el proveedor de su préstamo.
  • Aprovechar los beneficios fiscales para los gastos universitarios. Obtenga información sobre la cancelación del préstamo estudiantil >

 

¿No eligió qué préstamo solicitar?

¿Cuánto necesita para pagar su educación? Ingrese la matrícula, los gastos y la ayuda financiera y descúbralo.

 

Calcule su préstamo

The 2018-19 sweepstakes is now over. Thank you for your interest in the Off to College Scholarship Sweepstakes. See the 2018-19 Winners.

 

View Winners

Información importante

Before applying for a private student loan, SunTrust recommends comparing all financial aid alternatives including grants, scholarships, and both federal and private student loans. View and compare the available features of SunTrust private student loans.

Union Federal is a federally registered trademark of Cognition Financial Corporation. Start Student Loan is a trademark of Cognition Financial Corporation. Both are used by SunTrust Bank under license. SunTrust Bank is the lender of these private student loans and they are not offered in connection with any other lender or the federal government. Cognition Financial Corporation is not an affiliate of SunTrust Bank.

Es posible que se apliquen ciertas restricciones y limitaciones. SunTrust Bank se reserva el derecho a cambiar o interrumpir estos programas sin previo aviso. These loan programs are subject to approval under the SunTrust credit policy and other criteria and may not be available in certain jurisdictions.

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A cosigner may be released from the loan upon request to the servicer, provided that the student borrower is a U.S. citizen or permanent resident alien, has met credit criteria, and met either one of the following payment conditions: (a) the first 36 consecutive monthly principal and interest payments have been made on-time (received by the servicer within 10 calendar days after their due date) or (b) the loan has not had any late payments and has been prepaid prior to the end of the first 36 months of scheduled principal and interest payments in an amount equal to the first 36 months of scheduled principal and interest payments (based on the monthly payment amount in effect when you make the most recent payment). As an example, if you have made 30 months of consecutive on-time payments, and then, based on the monthly payment amount in effect on the due date of your 31st consecutive monthly payment, you pay a lump sum equal to 6 months of payments, you will have satisfied the payment condition. Cosigner release may not be available if a loan is in forbearance.

Looking to reduce your interest rate by 0.50%?

If you are looking for a student loan, get 0.50% off the interest rate when you apply for a new Custom Choice Loan on or before 8/31/19!*

Read Important Disclaimers

* Offer valid for new Custom Choice Loans for which applications are submitted for a credit decision between 12:00:00am EST on June 1, 2019 and 11:59:59pm EST on August 31, 2019. A 0.50% interest rate reduction will be included in the loan options presented to an applicant during the online application process, upon passing the initial credit review. The interest rate reduction will be applied as of the first disbursement date and will be effective for the life of the loan.

It only takes 15 min. to apply!

Apply for a new SunTrust private student loan now and get a quick decision.

The SunTrust Student Loan Process at a Glance

1. Application

Estimated Time: 15 minutes

Complete una solicitud de crédito rápida en línea y obtenga una decisión al instante.

2. Documentación

Submit required document(s) online, by fax or by mail.

3. Revisión y firma

Submit the signed loan packet (includes the Credit Agreement and other documents) online, by fax or by mail.

4. Certificación de la institución educativa

The school will certify (to SunTrust) the loan amount, enrollment at the school (half-time or more) and dates when SunTrust should transfer the loan funds to the school.

5. Revisión final y liberación de los fondos del préstamo

Review the final loan disclosure and have 3 days to cancel. If an applicant does not cancel, the loan funds will be sent to the school.

Centro de recursos para préstamos

  • Contacto

  • Giros

      For more details about Wire Transfers with SunTrust, call 800.947.3786.

       

      Instrucciones de SunTrust para giros entrantes:

      • Para giros entrantes nacionales use el número de ruta ABA: 061000104
      • Para giros entrantes internacionales use el SWIFT/BIC: SNTRUS3A
      • Número de cuenta del beneficiario: número de cuenta completo de SunTrust
      • Nombre del beneficiario: el nombre tal como aparece en la cuenta de SunTrust

      SunTrust incoming wire instructions are also available by calling 800.947.3786 - option 1