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  • Information
    • About the Thomas J. Moran Graduate School
    • Opening Hours & Where To Find Us
    • Facilities & Bookings
    • Frequently Asked Questions
    • History of the Graduate School
    • Our Team
    • Partnerships
    • Weekly Update
    • Graduate School Programme
    • Meet The Staff
    • Professional Code of Conduct
    • Wellbeing at The Graduate School
    • Childcare at Queen's
    • New Student Handbook
    • Mental Health Month
  • Development
    • Academic Essentials
    • Chartered Management Institute
    • Employability, Careers & Support
    • Enterprise & Innovation
    • Future-Ready Award
    • Master Your Leadership
    • Postgraduate-led Initiatives
    • Research Culture Celebration
    • The Graduate School Conference
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    • Find a PhD
    • Applied? What's Next
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In This Section
  • Eligibility
  • How to Apply
  • Cost of Attendance and Receiving your Loan
  • Withdrawals and Deferment
  • Return to Title IV Policy
  • Private Loans
  • Veterans Benefits
  • Consumer Information

  • Home
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  • U.S. Loans
  • Private Loans

Private Loans

How to apply for a Private Loan
U.S Private Education Loans

Before applying for a private loan you should exhaust your federal loan eligibility. Please read all of the available information about Federal Direct Loans before making any borrowing decisions.

Federal loans generally have better benefits and lower, fixed interest rates. You can compare federal loans with private loans on the Federal Student Aid website here. 

  • Sallie Mae Private Loan

    As a Title IV School Students may be eligible for a Sallie Mae loan. Students may request to borrow up to the maximum cost of attendance, and the School will certify your loan request with Sallie Mae for review.

    Below are some links that may help you make a decision on the right loan for you.

    Learn about your student loan options with Sallie Mae: 

    Sallie Mae website: Sallie Mae Student Loans

    Sallie Mae Graduate Loan Brochure: Sallie Mae Graduate School Loan

    Sallie Mae Undergraduate Loan BrochureBrochure: Smart Option Student Loan For undergraduate students

    Understanding gap financing Options PLUS Loan Vs Private loan borrowing: PLUS loan Vs Private loan

    Application timeline: Application to disbursement

     

    Loan Repayment:

    It is important that you understand how your student loan payments are calculated and used to pay down your loan: Understanding Student Loan Payments

    Tips for sucessfully repaying your student loan

    Student Loan Payment Amount Estimator

     

    Application Process:

    1. Request a cost of attendance and award letter from usloans@qub.ac.uk. This will determine how much you can borrow to supplement your federal loans and the maximum amount you can borrow in a private educational loan.

    2. Make your application with Sallie Mae online at Sallie Mae Student Loans. 

    3. The financial aid administrator will check that you have not requested above your cost of attendance before certifying your private loan. 

    Receiving your loan

    Private loans will be disbursed in full at the start of the year. You must be fully enrolled and registered at Queen's before we can disburse your loan. The disbursement date used is the date that Sallie Mae issues the cheque in the U.S. and it may take up to 10 days to be received by Queen’s.

    Private loans can only be paid in GBP and transferred directly into a UK bank account. Therefore on arrival you will need to open a local bank account and complete the bank transfer form. Please bring this form to the Student Finance Office in the One Elmwood Student Centre before your loan disbursement is due. Your tuition fees will be paid before the remaining balance is transferred into your UK bank account. If you wish to pay your tuition fees by other means please discuss this with the Student Finance office. 

          

  • Earnest Private Loan

    As a Title IV School Students may be eligible for an Earnest loan. Students may request to borrow up to the maximum cost of attendance, and the School will certify your loan request with Earnest for review.

    Below are some links that may help you make a decision on the right loan for you.

    Learn about your student loan options with Earnest: 

    Earnset website: Earnest Student Loans

    Earnest Graduate Loan: Earnest Graduate School Loan

    Earnest Undergraduate Loan: Earnest Undergraduate School Loan

    Eligibility Check: Eligibility Guide

     

    Loan Repayment:

    It is important that you understand how your student loan payments are calculated and used to pay down your loan: Understanding Student Loan Payments

    Frequently asked questions and help centre click here.

      

    Application Process:

    1. Request a cost of attendance and award letter from usloans@qub.ac.uk. This will determine how much you can borrow to supplement your federal loans and the maximum amount you can borrow in a private educational loan.

    2. Make your application with Earnest online at Earnest Student Loans. 

    3. Queen's will be notified by Earnest that you have made a submission. The financial aid administrator will check that you have not requested above your cost of attendance before certifying your private loan. 

     

    Receiving your loan

    Private loans will be disbursed in 3 or 2 disbursements throughout the year dependent on your semesters of study. You must be fully enrolled and registered at Queen's before we can certify your enrollment and request disbursement of your loan. The disbursement date used is the date that Earnest will release funds from the U.S. and it may take up to 14 days to be received by Queen’s.

    Private loans can only be paid in GBP and transferred directly into a UK bank account. Therefore on arrival you will need to open a local bank account and complete the bank transfer form. Please bring this form to the Student Finance Office in the One Elmwood Student Centre before your loan disbursement is due. Your tuition fees will be paid before the remaining balance is transferred into your UK bank account. If you wish to pay your tuition fees by other means please discuss this with the Student Finance office. 

     

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Veterans Benefits
U.S. Loans
  • U.S. Loans
  • Eligibility
  • How to Apply
  • Cost of Attendance and Receiving your Loan
  • Withdrawals and Deferment
  • Return to Title IV Policy
  • Private Loans
  • Veterans Benefits
  • Consumer Information
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The Thomas J. Moran Graduate School,
Queen's University Belfast,
University Road,
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BT7 1NN

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graduateschool@qub.ac.uk

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