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Additional Financing Options

In addition to federal student loans, there are alternative loans and financing options to consider. 

SUNY Cortland Monthly Payment Plan

The SUNY Cortland Student Accounts Office offers the option of paying your fall and spring semester bills in 4 equal monthly payments. Learn more about the Monthly Payment Plan

Private Alternative Loans 

Private and alternative loans are privately-funded loans available to students and parents. We strongly recommend that students utilize federal loan eligibility before applying for private loans.

For a list of lenders based on historical lending with our students, ELM Select (opens in a new window) offers a helpful comparison tool. SUNY Cortland does not endorse or recommend any particular lender or loan product. Students and parents have the ability to select the loan lender of their choice - if you wish to use a lender not provided on this list, it is your right to do so. 

Students and parents may borrow up to the yearly cost of attendance minus other financial aid received. We encourage you to only borrow what you need for the academic year. 

Apply directly with the lender of your choice.