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Alternative student loans directly to you!

  • Borrow up to your total cost of education.
  • Online application takes just minutes.

Alternative student loans, which are loans not guaranteed by any government agency, generally allow students to borrow up to the full cost of education. Alternative loans are used to supplement federal Stafford loans which should be your first choice for borrowing.

Think Student Loans are alternative student loans and Think Student Loans are sent directly to you or your cosigner.1 You can apply online or over the phone in about 15 minutes. Once approved, Think Student Loan funds are sent directly to you or your cosigner.1

Students do not need to complete a FAFSA for to apply for alternative student loans and there are no deadlines to apply for alternative student loans.

A Think alternative student loan can be disbursed as fast as 48 hours upon final approval.2 So, whether you apply at the beginning of a semester, mid-semester, or at the end of the school year, Think alternative student loans will be disbursed directly to you or your cosigner.1

1 This loan does not require school certification and the proceeds are disbursed in the form of a check co-payable to the borrower and cosigner (if applicable), mailed directly to the applicant with the stronger credit profile.

2 Disbursement can occur in 48 hours after receipt and verification of signed loan documents and all other requested documentation and must be within 21 days of the enrollment date.

* Think Financial refers applications to Simple Tuition, a leading student loan comparison site, and is paid a fee for this referral.