Préstamos para MBA y posgrado para estudiantes de administración de empresas

Es un mundo competitivo, por suerte ofrecemos tasas competitivas.

Un MBA puede impulsar su carrera en el entorno corporativo de hoy. Pero obtener un MBA o un Ph.D. en administración de empresas puede tener un alto precio, y los préstamos federales, subvenciones y becas quizás no cubran todo. Puede pagar la diferencia con un préstamo Graduate Business School Loan de SunTrust con tasas excelentes y una variedad de beneficios.

  • Reducciones en el tipo de interés y una recompensa por graduarse: baje su tipo de interés en hasta un 0.50% con pagos automáticos (AutoPay)1; al graduarse, reciba una reducción del 1%2 en el capital de su préstamo estudiantil.
  • Montos de préstamo considerables disponibles: aunque solo debería pedir prestado lo que necesita, puede solicitar hasta $95,0003 para financiar sus estudios de administración de empresas.
  • Opción de refinanciamiento durante los estudios: la posibilidad de refinanciar préstamos estudiantiles privados existentes4 en un nuevo préstamo Graduate Business School Loan.

O contáctenos: 866.232.3889

Cómo solicitar

Solicitar un préstamo estudiantil de SunTrust es fácil y se puede hacer en apenas 15 minutos. El estudiante o el cofirmante, si corresponde, pueden iniciar la solicitud. When you’re ready, you can apply here.

Lista de control de solicitud

Tenga lista la siguiente información antes de solicitar su préstamo:

  • Información personal
    Nombre
    Número de Seguro Social (no es obligatorio para estudiantes internacionales)
    Fecha de nacimiento
    Dirección permanente
    Dirección de email
  • Información del establecimiento educativo
    Nombre del establecimiento; consulte si se trata de un establecimiento aprobado
    Costo de asistencia
    Nivel de grado
    Fecha de graduación esperada
    Ayuda financiera estimada*
  • Referencia - Personal
    Nombre de la referencia
    Dirección
    Teléfono
  • Información de empleo (si corresponde)
    Nombre del empleador
    Número de teléfono principal
  • Monto del préstamo
    Monto que pedirá prestado
    Semestre o período académico para el cual se necesitarán los fondos
  • Información sobre ingresos (si corresponde)
    Ingresos brutos anuales (monto de dinero que gana antes de impuestos u otras deducciones)

* Se trata del monto de subvenciones, becas, préstamos federales y programas de trabajo y estudio (Direct Loan, Parent PLUS, Grad PLUS, Perkins, etc.) que una familia recibe para financiar la educación del estudiante por un año académico

If you’d like more information, please see the detailed loan process.

O contáctenos: 866.232.3889

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Loan options such as the rate type, loan term and repayment option are important. They can change the monthly payment for the loan and the total of payments. This tool shows the impact each loan option has on loan payments using $10,000 as a sample loan amount. (Don’t know how much to borrow? Try this calculator.)

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Assumptions and important information about the tool above –

  • The calculations above do not reflect the deductions that may be earned for any or all of the following: having loan payments automatically withdrawn from a bank account (auto pay)1 and the principal reduction upon graduation2.
  • For the Interest Only repayment option, interest payments while in school between the first and second disbursement will be different (lower) than the amounts shown above.
  • For the Immediate Repayment option, the Payment Comparison Tool assumes payments will begin one month after the final disbursement and assumes no deferment or grace period.
  • For all repayment options except Immediate Repayment, the Payment Comparison Tool assumes a deferment period of 21-months upon initial disbursement and a six month grace period before repayment begins.
  • For all repayment options the Payment Comparison Tool assumes the loan will be disbursed over two transactions, with the first disbursement today and the second disbursement 90 calendar days from today.

O contáctenos: 866.232.3889

Preguntas frecuentes sobre los préstamos estudiantiles privados de SunTrust

Preguntas frecuentes

Preguntas frecuentes generales

Who do I contact with questions?

SunTrust is here to help throughout the entire process. For more information, or to speak to a Customer Service representative, please call the phone number for the program you're interested in, as listed below:

  • Custom Choice Loan® - 866.232.3889
  • Union Federal® Private Student Loan - 866.513.8445
  • Graduate Business Loan - 866.232.3889

How much can I borrow?3

  • The minimum loan size is $1,001.3
  • The maximum loan amount:
    • Per loan – the maximum loan amount for the upcoming semester/academic period is determined by your school's cost of attendance, minus any federal student loans, scholarships or grants, up to the amounts shown below:
    • $65,000 for the Custom Choice Loan and Union Federal Private Student Loan
    • $95,000 for the Graduate Business School Loan
  • For multiple loans - the maximum loan amounts per year for applicants borrowing more than one SunTrust private loan are as follows:
    • $65,000 for the Custom Choice Loan and Union Federal Private Student Loan
    • $95,000 for the Graduate Business School Loan
  • With the In-School Refinance Option – when refinancing existing private student loans4 into a new loan, the maximum loan amount you can borrow (including the amount for the next semester/academic period plus the outstanding balance of the private student loansyou want to refinance) is as follows:

If I have other student loans, do they influence the amount I can borrow?3

Yes. The credit review for a SunTrust student loan will take into consideration the aggregate student loan debt (both federal and private) of the student and, if applicable, your cosigner. The aggregate maximum student loan debt allowed is $150,000 for the Custom Choice Loan and the Union Federal Private Student loan and $175,000 for the Graduate Business Loan (includes all student loans and certain unsecured consumer debt). If the current student loan debt exceeds these amounts, for either the student or the cosigner, the application will be declined.

  • When there is no cosigner – We take the student’s aggregate student loan debt into consideration.
  • When there is a cosigner on a loan, we take the student and cosigner’s aggregate student loan debt into consideration. 

What can a SunTrust private student loan be used for?

The loan can be used for Qualified Higher Education Expenses5 such as tuition and fees, room and board, school supplies.

¿Quiénes son elegibles para solicitar el préstamo?

  • Inscripción:
    • Los préstamos Custom Choice Loan y Union Federal Private Student Loan están disponibles para estudiantes universitarios, de posgrado y profesionales que estén inscritos al menos medio tiempo en un programa para obtener un título en una institución educativa aprobada.
    • El préstamo Graduate Business School Loan está disponible para estudiantes de posgrado inscritos al menos medio tiempo en un programa empresarial de nivel de posgrado en una institución educativa aprobada.
    • Las solicitudes se pueden presentar 4 meses o menos de la fecha de inicio del período académico para el que se solicita el préstamo. Entonces, por ejemplo, si el semestre de otoño comienza el 20 de agosto puede hacer su solicitud a partir de abril del mismo año.
  • Ciudadanía:
    • Custom Choice Loan y Graduate Business School Loan: todos los solicitantes deben ser ciudadanos de EE. UU. o residentes permanentes con un número de Seguro Social.
    • Union Federal Private Student Loan: a menos que el solicitante sea un estudiante internacional, todos los solicitantes deben ser ciudadanos de EE. UU. o residente permanente con un número de Seguro Social. Los estudiantes internacionales deben solicitar el préstamo con un cofirmante que sea ciudadano de EE. UU. o extranjero residente permanente.
  • El estudiante debe tener la mayoría de edad legal6 al momento de hacer la solicitud o tener al menos 17 años de edad si solicita el préstamo con un cofirmante que cumpla con los requisitos de mayoría de edad en su estado de residencia.
  • El estudiante o el cofirmante, si corresponde, deben tener una fuente de ingresos para el Custom Choice Loan o el Union Federal Private Student Loan.
  • Los solicitantes no pueden ser residentes permanentes de Iowa ni Wisconsin.

What kinds of degrees can I use a private loan for?

  • The Custom Choice Loan and Union Federal Private Student Loan can be used for most college degrees, undergraduate and graduate, from an approved 4-year institution. This includes bachelor’s degrees, master’s degrees, Ph.D.s, as well as medical, dental, veterinary and law degrees. It cannot be used for an associate’s degree.
  • The Graduate Business School Loan can only be used for graduate business degrees like an MBA or a master’s or Ph.D. in a business discipline.

What are the advantages of getting a private student loan over a federal student loan?

A private student loan is not intended to be used instead of a federal student loan; it is intended to fill the gap in educational expenses after a student has already sought other forms of financing (such as federal student loans and scholarships) and the student still needs funds to pay for school.  The main benefit of a private student loan is that it may offer additional funding beyond what you qualify for in federal aid. For more details, please see this comparison of private and Federal student loans.

Is a private student loan a secured loan?

No, this is an unsecured loan available to qualified applicants.

How do I qualify for the rate reductions for auto pay and for the SunTrust customer benefit?

There are three ways to earn a rate reduction with a SunTrust private student loan:

  • Choose to make automatic loan payments (Auto Pay)1 – Get a 0.25% interest rate reduction for automatic loan payment withdrawal.
  • Auto pay from a SunTrust bank account1 – Get an additional 0.25% interest rate reduction if you make automatic payments from a SunTrust bank account.
  • Make on-time payments (Union Federal Private Student Loan only)11 – Get a 0.25% interest rate reduction when you make the first 36 consecutive monthly payments on-time (received within 10 calendar days after the due date).

How does the SunTrust graduation reward work? 

The 1% principal reduction is based on the net disbursed loan amount (the dollar amount sent, or disbursed, to the school), which is the total dollar amount of all disbursements made, excluding the dollar amount of any reductions, cancellations, or returns, as applicable. Para recibir la recompensa, el beneficio se debe solicitar al administrador, el estudiante solicitante debe haber obtenido una licenciatura o título superior, y se debe presentar al administrador la prueba de dicha graduación (p. ej., copia del diploma, transcripción final o carta con membrete de la escuela/universidad). Esta recompensa está disponible una vez durante el plazo del préstamo, independientemente de si el solicitante estudiante obtiene más de un título.

Are there any fees with a SunTrust private student loan?

There are no application or origination fees. There is also no prepayment fee. If you are late making a loan payment, a late fee will apply.

Do I have to make payments while I go to school? 

No. With SunTrust private student loans, borrowers can choose to make or defer payments while enrolled in school at least half-time12. Borrowers who select to defer payments (put them on hold) while in school can do so (a) while enrolled at least half-time at an approved school and (b) during the 6-month grace period after graduation or dropping below half-time status. Good things to know about deferring your loan:

  • The initial deferment period may not exceed 66 months from the first disbursement date.
  • The initial deferment option must be chosen during the application process.
  • Accrued and unpaid interest will be capitalized (added to the unpaid principal loan balance) when repayment of principal and interest begins.
  • There are no pre-payment penalties which means you can choose to pay off the loan early without penalty.

Can my loan cover past due college account balances? 

Yes, the loan may be applied to qualified educational expenses for the prior academic period that are owed to the school. Important: You must apply within a specified timeframe after the academic period for which the past-due bill was incurred:

  • Custom Choice Loan and Graduate Business School Loan: Up to one month after the past-due academic period. (Applications for past due balances will be accepted up to the end of the next month following the academic period for which the applicant was enrolled.)
  • Union Federal Private Student Loan: Up to three months after the past-due academic period.
  • (Applications for past due balances will be accepted up to three (3) months following the academic period for which the applicant was enrolled.)

How quickly can my school get the loan funds?

If you're concerned about timing, you can speed up the process by faxing or uploading all supporting/required documentation as well as choosing to electronically sign documents within the Loan Packet (Credit Agreement, Applicant Self-Certification form, and Approval Disclosure).

If you apply early and documentation is received promptly, your school will likely receive the funds in plenty of time. If you're unsure of the school's loan deadlines, contact the financial aid office or check the school website for a published timeline.

What repayment options are available?8

With a SunTrust private student loan, borrowers can choose to defer or start making some or part of the monthly loan payment while the student is in school. Opting to make payments isn’t necessary but doing so will typically lower the total amount of interest paid over the life of the loan. Here are the four repayment options:

  • In-School Deferment (Full Deferment)12: This option allows you to postpone loan payments while in-school. Both the principal and interest payments are postponed, or deferred, until after school.  In-School Deferment is the most costly repayment option because deferred monthly interest is added to the loan principal during the time you are in school.
  • Immediate Repayment: With this option, regular loan payments of both the principal and the interest begin approximately 30-60 days after SunTrust sends the final disbursement (loan funds) to your school.  This is the least expensive loan repayment option if you can afford to make payments while in school.
  • Interest-Only Repayment: Pay only the accrued monthly interest while in school; principal and interest payments begin six months after graduation or dropping below half-time status.
  • Partial Interest Repayment: Pay partial interest of $25 per month8 while enrolled in school. Option available for loans of $5,000 or more.

With any option, any interest that is unpaid will accrue and will be capitalized (added to the loan balance) at the time of repayment.

The repayment option you choose can make a big difference in your loan's overall cost — so review your options carefully. It's essential to understand how your rates and payments will be affected by your choices, because once you complete your loan application with those selections, you cannot make any further changes. When you apply, there will be a repayment calculator you can use to see the impact of different repayment options to the loan's overall cost and estimated payment amounts. You can also get an idea now of how a repayment option could affect your overall loan cost.

Why do I need to complete an Applicant Self-Certification Form? 

The federal government mandates certain regulations be followed for private education loans in an effort to provide more transparency to borrowers. The Applicant Self-Certification is one of those mandates. About this form:

  • This form is provided to students during the application process but it can also be obtained from the school’s financial aid office.
  • All private student loan lenders must obtain this form prior to disbursing any private student loan funds.
  • During the application process, you will be asked for your total cost of attendance and estimated financial assistance in order to complete the form. 

What is an Application and Solicitation Disclosure (ASD)? 

Regulations governing private education loans require three disclosure documents be provided to borrowers during the application process: an Application and Solicitation Disclosure (ASD), Approval Disclosure, and Final Disclosure. About this form:

  • This form will be provided during the application process.
  • The ASD displays current interest rate ranges, loan cost examples, federal student loan alternatives, and other general loan information.
  • Completion of an application is not required in order to view an ASD with current interest rates; however, all applicants must acknowledge that they have reviewed this disclosure before continuing the application process. 

What happens if I default on my loan? 

Defaulting on your loan is a serious matter that could have a long-term, adverse effect on your credit score. SunTrust private student loans are usually reported as "late" to consumer credit reporting agencies once they are 60 or more days delinquent.

Bankruptcy usually doesn't cancel your obligation to repay an education loan. If you're about to miss a loan payment, you should contact your servicer immediately to work out a repayment schedule you can meet.

¿Cómo sé si mi escuela es una institución educativa aprobada para un préstamo estudiantil privado de SunTrust?

Consulte la lista de instituciones educativas aprobadas. Seleccione el estado de la institución y podrá ver una lista de instituciones educativas en ese estado. Si la división de su institución educativa no aparece en la lista, elija el campus principal.

 

What if my school is not listed as an approved school for a SunTrust private student loan? 

If neither the branch nor main campus is listed, you and other students at your school will be unable to apply for a SunTrust private student loan. In this case, we recommend that you contact the financial aid office at your school for a list of available options.

Does SunTrust offer loans to international students? 

Yes. SunTrust offers loans to international students with an eligible U.S. cosigner through the Union Federal Private Student Loan program. This option is not available with the Custom Choice Loan program.

What documents will I need to provide if I am approved? 

Approved documentation can be found here but not all applicants are required to submit documentation. If documentation is required, it will be requested during the loan application process.

Preguntas frecuentes

Preguntas frecuentes sobre cofirmantes:

What is a cosigner?

A cosigner is an additional applicant besides the student, such as a parent, guardian, grandparent or other person, who will bear the same legal responsibility as the student.

Why is a cosigner important?

Many students don't have a substantial credit history or have other concerns about being approved for a private student loan, and adding a creditworthy cosigner may help them qualify and also obtain a lower interest rate.

What makes a good cosigner on a loan?

A good cosigner:

  • Has a substantial credit history
  • Does not have any serious negative items on their credit report
  • Meets their credit obligations on time
  • Is not over burdened with debt
  • Has steady employment and/or income sufficient to meet debt obligations

¿Se puede liberar al cofirmante del préstamo?

Se puede liberar al cofirmante de su responsabilidad después de una cantidad específica de pagos de capital e interés mensuales consecutivos (ya sea 36 o 48 pagos mensuales, según se establece en su Acuerdo de crédito) hechos puntualmente10 (recibidos dentro de los 10 días calendario a partir de la fecha de vencimiento). En ese momento el prestatario debe cumplir con los criterios de crédito por sí mismo. La liberación del cofirmante puede no estar disponible para préstamos en indulgencia de morosidad. For more details, click here.

What if there is an unfortunate event, such as death or disability, of the student borrower?

In the event of the primary borrower's death or permanent disability, the loan will be forgiven. Proper documentation is required and the cosigner won't be responsible for repayment.13

How is a cosigner added?

Applying as a cosigner takes about 15 minutes. Either the cosigner or the student can start the application — within the online application, there is a feature that allows the cosigner or the student to be invited to the application.

How can a cosigner help me get loan approval?

Applying with a cosigner who has good credit and positive income can help you satisfy credit criteria and may increase your chances of approval and receiving a lower interest rate. More information about applying with a cosigner.

 

Must I have a cosigner to get a SunTrust student loan?

No. A student may apply without a cosigner but the student then must meet the credit requirements to be approved for the loan. Applying with a cosigner who has good credit and positive income can help you satisfy credit criteria and may increase your chances of approval and receiving a lower interest rate.

O contáctenos: 866.232.3889

Información importante sobre estos productos

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 used by SunTrust Bank under license. The Union Federal Private Student Loan is funded by SunTrust Bank and is 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.

1

“Auto pay” refers to making automatic payments of principal and interest from a bank account. Earn a 0.25% interest rate reduction when you auto pay from any bank account and an extra 0.25% interest rate reduction when you auto pay from a SunTrust Bank checking, savings or money market account. Interest rate reduction(s) will continue until (1) automatic deduction of payments is stopped (including during any deferment or forbearance), (2) three automatic deductions are returned for insufficient funds during the life of the loan, or, (3) if you are making automatic payments from a SunTrust Bank account, you close that account. The 0.25% interest rate reduction when you auto pay from a SunTrust Bank account will be applied after the first automatic payment is successfully deducted from a SunTrust Bank checking, savings or money market account and will be removed for the reasons stated above. In the event the benefit(s) is removed, the loan will accrue interest at the rate stated in your Credit Agreement. This benefit is not available during any time when your principal payments are deferred or when your loan is in forbearance, even if you are making payments.

2

The 1% principal reduction is based on the total dollar amount of all disbursements made, excluding any amounts that are reduced, cancelled, or returned. To receive the reward, the benefit must be requested from the servicer, the student borrower must have earned a bachelor’s degree or higher and proof of such graduation (e.g. copy of diploma, final transcript, or letter on school letterhead) must be provided to the servicer. This reward is available once during the life of the loan, regardless of whether the student receives more than one degree.

3

The minimum loan amount is $1,001 with exceptions based on the student’s state of permanent residence, as follows: Alaska: $5,001, Colorado: $3,001, New Mexico: $2,501, Oklahoma: $5,001, Rhode Island: $5,001, South Carolina: $3,601. The maximum annual loan limit to cover in-school expenses for each academic year (July 1 to June 30 of the applicable year) is determined by your school’s cost of attendance, minus other financial aid such as federal student loans, scholarships or grants, up to $65,000 for the Custom Choice Loan and Union Federal Private Student Loan or up to $95,000 for the Graduate Business Loan. The loan amount must be certified by the school. The annual loan amount maximums are subject to an aggregate maximum student loan debt limit (which includes all student loans and certain unsecured consumer debt and is calculated per applicant separately including students and cosigners) of $150,000 for Custom Choice Loan and Union Federal Private Student Loan or up to $175,000 for the Graduate Business Loan. If you choose the In-School Refinance Option, the maximum amount that you can refinance is $150,000 minus the amount that you are applying for to cover in-school expenses.

4

Private student loans that can be refinanced with a new SunTrust private student loan are private student loans and private consolidation loans that the student applicant used for, or used to refinance loans used for, certain postsecondary expenses not currently in a past due status. Los préstamos que no pueden ser refinanciados con este préstamo son (1) préstamos estudiantiles privados para los cuales el solicitante estudiante no es el prestatario principal, (2) préstamos estudiantiles federales y (3) préstamos estudiantiles hechos por una institución educativa. Loans being refinanced must have been used for "qualified higher education expenses" (defined by the Internal Revenue Code), which consists of expenses included in the Higher Education Act's definition of "cost of attendance".

5

Loans being refinanced must have been used for "qualified higher education expenses" (defined by the Internal Revenue Code), which consists of expenses included in the Higher Education Act's definition of "cost of attendance". "Qualified higher education expenses" generally include tuition and fees, room and board, costs for rental or purchase of any equipment, materials, or supplies required of all students in the same course of study, an allowance for books, supplies, transportation, and miscellaneous personal expenses, and a reasonable allowance for the documented rental or purchase of a personal computer. 

6

The student must be enrolled at least half‐time or more in a degree granting program at an approved school. The student must be the legal age of majority at the time of application, or at least 17 years of age if applying with a cosigner who meets the age of majority requirements in the cosigner's state of residence. The legal age for entering into contracts is 18 years of age in every state except Alabama (19 years old), Nebraska (19 years old, only for wards of the state), Mississippi and Puerto Rico (21 years old). Private student loans funded by SunTrust are not available to students or cosigners who are permanent residents of Iowa or Wisconsin. International students can apply for the Union Federal Private Student Loan with an eligible cosigner who is a U.S. citizen or permanent resident alien.

7

Interest rates and APRs (Annual Percentage Rates) depend upon (1) the student’s and cosigner’s (if applicable) credit histories, (2) the repayment option and repayment term selected, (3) the requested loan amount and (4) other information provided on the online loan application. If approved, applicants will be notified of the rate applicable to your loan. Rates and terms are effective for applications received after The variable interest rate for each calendar month is calculated by adding the current One-month LIBOR index to your margin. The One-month LIBOR index is captured on the 25th day of the immediately preceding calendar month (or if the 25th is not a business day, the next business day thereafter), and is rounded up to the nearest 1/8th of one percent. The current One‐month LIBOR index is % on . LIBOR stands for London Interbank Offered Rate. The One‐month LIBOR is published in the "Money Rates" section of the Wall Street Journal (Eastern Edition). The variable interest rate will increase or decrease if the One‐month LIBOR index changes. The fixed rate assigned to a loan will never change except as required by law or if you request and qualify for the ACH reduction benefit(s).

8

Any applicant who applies for a loan the month of, the month prior to, or the month after the student's graduation date, as stated on the application or certified by the school, will only be offered the immediate repayment option. With the Full Deferment option, payments may be deferred while a student is enrolled at least half‐time at an approved school and during the six month grace period after graduation or dropping below half‐time status, but the total initial deferment period, including the grace period, may not exceed 66 months from the first disbursement date. The student must be enrolled at least half-time to be eligible for the partial interest, fully deferred and interest only repayment options unless the loan is being used for a past due balance and the student is out of school. For Partial Interest and Fully Deferred loans, any accrued and unpaid interest will be capitalized (added to the unpaid principal loan balance) when repayment of principal and interest begins. No hay penalización por pago anticipado. The Partial Interest Payment option of $25 per month is only available on loans of $5,000 or more. View payment examples for the Custom Choice Loan; view payment examples for the Union Federal Private Student Loan; view payment examples for the Graduate Business School Loan. Making interest only or partial interest payments while in deferment (including the grace period) will not reduce the principal balance of the loan. If you choose the Immediate Repayment option, the first payment of principal and interest will be due approximately 30‐60 calendar days after the final disbursement date, the minimum monthly payment will be $50.00 and it will apply to the new loan in full, including, if applicable, any existing private student loans that you refinance into the new loan.

9

View payment examples for the Graduate Business School Loan. The Partial Interest Payment plan of $25 per month is only available for loan amounts of $5,000 or more. Making interest only or partial interest payments while in school will not reduce the principal balance of the loan.

10

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 and has met credit criteria, and the first 36 consecutive monthly principal and interest payments have been made on‐time (received by the servicer within 10 calendar days after the due date). Alternatively, if no late payments have been made, the cosigner release request can be made prior to the end of the first 36 months of scheduled principal and interest payments if you have prepaid part of your loan and the aggregate amount that you have paid equals the amount that would be due over the first 36 months of scheduled principal and interest payments, based on the monthly payment amount in effect when you make your payment(s). Cosigner release may not be available if a loan is in a forbearance status.

11

To automatically receive a 0.25% interest rate reduction, the first 36 consecutive monthly payments must be made on-time (received by the servicer within 10 calendar days after their due date). Alternatively, if no late payments have been made, the rate reduction can be received prior to the end of the first 36 months of scheduled payments if the loan has been prepaid  in an amount equal to the first 36 monthly scheduled payments, based on the monthly payment amount in effect when you make your payments.   Payments made prior to the start of the repayment term do not count toward the number of required monthly payments.

12

Principal and interest payments may be deferred while the student is enrolled at least half‐time at an approved school and during the six month grace period after graduation or dropping below half‐time status, but the total initial deferment period, including the grace period, may not exceed 66 months from the first disbursement date. Any accrued and unpaid interest will be capitalized (added to the unpaid principal loan balance) when repayment of principal and interest begins. No hay penalización por pago anticipado.

13

If the student dies after any part of the loan has been disbursed, and the loan has not been charged off loan due to non‐payment or bankruptcy, then the outstanding balance will be forgiven if the servicer is informed of the student's death and receives acceptable proof of death. If the student becomes totally and permanently disabled after any part of the loan has been disbursed and the loan has not been charged off due to non‐payment or bankruptcy, the loan will be forgiven upon the servicer's receipt and approval of a completed discharge application. If the student borrower dies or becomes totally and permanently disabled prior to the full disbursement of the loan, and the loan is forgiven, all future disbursements will be cancelled. Loan forgiveness for student death or disability is available at any point throughout the life of the loan.

866.232.3889 Contáctenos

Buscar una sucursal de SunTrust

Ir
¿Sabía?

Solicitar un préstamo estudiantil privado le llevará apenas unos 15 minutos.

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

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

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

Applicants 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

Productos de inversiones y seguros:

No están asegurados por el gobierno No están garantizados por el banco Pueden perder valor

© 2018 SunTrust Banks, Inc

logo de equal housingSunTrust Bank es un prestamista hipotecario equitativo. Miembro de FDIC

logo de equal housingPrestamista Hipotecario Equitativo. SunTrust Mortgage, Inc.

SunTrust, SunTrust Mortgage, SunTrust PortfolioView, SunTrust Robinson Humphrey, SunTrust Premier Program, AMC Pinnacle, AMC Premier, Access 3, Signature Advantage Brokerage, Custom Choice Loan y SunTrust SummitView son marcas de servicios registradas a nivel federal de SunTrust Banks, Inc. Las otras marcas registradas pertenecen a sus respectivos propietarios.

Servicios brindados por las siguientes empresas afiliadas de SunTrust Banks, Inc.: Los servicios y productos bancarios los suministra SunTrust Bank, Miembro de FDIC. Los servicios de administración de inversiones y fideicomiso son prestados por SunTrust Bank, SunTrust Delaware Trust Company y SunTrust Banks Trust Company (Cayman) Limited. Los títulos valores, las cuentas de corretaje y los seguros (incluyendo anualidades) son ofrecidos a través de SunTrust Investment Services, Inc., agente-corredor registrado en SEC y miembro de la FINRA, de la SIPC y una agencia aseguradora autorizada. Los servicios de asesoría de inversión son ofrecidos por SunTrust Advisory Services, Inc., un asesor registrado en la SEC. GFO Advisory Services, LLC es un asesor en inversiones registrado en la SEC que ofrece sus servicios a un grupo de fondos de inversión privados y otros servicios de asesoría no relacionados con inversiones a afiliadas. Los productos y servicios hipotecarios son prestados por SunTrust Mortgage, Inc.

SunTrust Mortgage, Inc. - NMLS #2915, 901 Semmes Avenue, Richmond, VA 23224, 1-800-634-7928. CA: con licencia otorgada por el Departamento de Supervisión Comercial bajo la Ley de Préstamos Hipotecarios Residenciales de California, IL: licencia para hipotecas residenciales de Illinois #MB-989, Departamento de Regulación Financiera y Profesional, 100 W. Randolph, Suite 900, Chicago, IL 60601, 1-888-473-4858, MA: licencia de prestamista hipotecario #-ML-2915, NJ: licencia de banquero hipotecario - Departamento de Banca y Seguros de Nueva Jersey, NY: licencia de prestamista hipotecario - Departamento de Servicios Financieros del Estado de Nueva York, y RI: prestamista con licencia en Rhode Island.

Los "Asesores de SunTrust" pueden ser funcionarios y/o personas asociadas de las siguientes empresas afiliadas de SunTrust Banks, Inc.: SunTrust Bank, nuestro banco comercial, que presta servicios de operaciones bancarias, fideicomiso y administración de activos; SunTrust Investment Services, Inc., agente-corredor registrado, que es miembro de FINRA y SIPC, y la agencia aseguradora autorizada, que ofrece valores, anualidades y productos de seguro de vida; SunTrust Advisory Services, Inc., asesor de inversiones registrado en SEC, que ofrece servicios de asesoramiento de inversiones.

SunTrust Private Wealth Management (Manejo de Bienes Privados de SunTrust), International Wealth Management (Manejo de Bienes Internacionales), Business Owner Specialty Group (Grupo Especializado en Empresarios), Sports and Entertainment Group (Grupo de Deportes y Entretenimiento) y Legal and Medical Specialty Groups (Grupos Especializados en Leyes y Medicina) y GenSpring son nombres comerciales usados por SunTrust Bank, SunTrust Banks Trust Company (Cayman) Limited, SunTrust Delaware Trust Company, SunTrust Investment Services, Inc. y SunTrust Advisory Services, Inc.

SunTrust y sus afiliadas no tienen responsabilidad fiduciaria para todos los tipos de cuentas bancarias y de inversiones que se ofrecen. Consulte con su representante de SunTrust para determinar si SunTrust y sus afiliadas han aceptado la responsabilidad fiduciaria para su(s) cuenta(s) y si usted ha completado la documentación necesaria para establecer una relación fiduciaria con SunTrust Bank o una afiliada. Para ver información adicional sobre los tipos de cuentas y divulgaciones importantes visite www.suntrust.com/investmentinfo.

SunTrust Robinson Humphrey es la razón social de los servicios corporativos y de banca de inversión de SunTrust Banks, Inc. y sus filiales, incluyendo SunTrust Robinson Humphrey, Inc., miembro de FINRA y SIPC.