Financial Aid Services

Non-Federal Educational Loans

Countable Financial Aid Loans

If you are seeking funding in excess of Stafford loan and Parent loans maximums, you may pursue private education loan funding through private loan funding.  There are many options to consider with borrowing private loan funds.  Credit-worthy applicants may borrow up to the cost of education, minus any other financial aid.  Interest rates for non-federal loans are generally much higher than for federal loans and usually include service or origination fees, so all federal funding options should be pursued before applying for a non-federal loan.  

Sallie Mae's Signature private loan offers Harding University students a reduced interest rate calculation, with interest as low as the Prime rate minus .05% for co-borrowers with excellent credit.  Complete the application online, or request a paper application by calling (800) 695-3317. A co-borrower (such as a parent or other relative) is required to qualify for the lowest possible rates.

Non-countable Financial Aid Loans

For students and families that need funding in excess of the student's maximum aid budget, a consumer loan is available through a number of lending firms.  These loans are for education purposes; however, they are disbursed directly to the borrower and not necessarily reported to the financial aid office. 

 - Sallie Mae Tuition Answer Loan
 - Education One Loan
 - Wells Fargo Education Connection Career Loan

Other Lending Options
Other lending options are available, please contact a financial aid counselor.