• Yager Bell Tower, Hartwick College
  • Hartwick students walking outside of the Johnstone Science Center
  • Dewar Union, Hartwick College
  • Hartwick geology students conducting field survey

Alternative or Private Student Loans

Borrowing money to finance your education can be a wise investment. You should always borrow from the federal student loan programs before you apply for alternative or private loans. Federal loans, such as the Direct Federal Stafford or Direct Federal PLUS loans, usually offer lower interest rates and an overall lower cost of borrowing.

Private loans can be used for all education related expenses. You can borrow up to the cost of attendance less any other financial aid.

Private loans typically allow students to apply for a loan with a creditworthy cosigner, such as parents or other relatives, which can increase a student's chance of being approved and obtaining a better interest rate.

For more information on private loans and a list of products available in the marketplace today, please visit FinAid.

Providing the link for FinAid on this site does not imply endorsement nor does Hartwick College or any of its employees receive benefits from any of the lenders included on the FinAid site.

Additionally, Hartwick College does not engage in nor support any of the following practices:

  • Revenue-sharing arrangement with any lender;
  • Receive gifts from any lender, any guarantor, or any loan servicer;
  • Engage in contracting arrangements providing financial benefits from any lender or affiliate of a lender;
  • Direct borrowers to any particular lenders, or practices related to refusing or delaying loan certifications;
  • Offer any funds for private loans;
  • Provide call center or financial aid office staff assistance to lenders;
  • Provide advisory board compensation.