Sallie Mae

TAKE THE FIRST STEP.

Enrollment Deadline: November 1st!

Questions about whether this program is right for you? We’ll help match you with the best program to meet your career goals.

Private Student Loans for Every Type of Student

Private student loans are credit-based, which means we will check your credit when you submit your application. Students are nearly 4 times more likely to be approved with a cosigner since many students haven’t had time to build up their own credit. A cosigner is someone who shares responsibility with you for paying back the loan and is often a parent, but can be any creditworthy adult.

Multi-Year Advantage

Get the money you need year after year—returning undergraduate students have a 95% approval rate with a cosigner.

100% coverage

Pay for all your school-certified expenses like tuition, fees, books, housing, meals, travel, and even a laptop.

No origination fee or prepayment penalty

Pay as early and as much as you’d like with no penalty.

Cost-saving features

Lower your interest rate when you choose in-school repayment, plus get a 0.25 percentage point reduction when paying by auto debit.

How to Apply

Step 1

Complete your CIAT application

Complete the CIAT online application to take your first step to gaining entry approval into CIAT’s Degree or Certificate programs

Step 2

Apply for a Sallie Mae loan

Complete the online application for Sallie Mae and get your eligibility in under 15 minutes. 

Step 3

Accept your loan

Review, sign, and accept your loan documents; we’ll take care of the rest to ensure your tuition is covered so you can focus on your classes.

Private Student Loan Eligibility

Federal and private student loans use different eligibility criteria.

Federal student loans, offered by the government, are based on your financial and family situation, as provided in your FAFSA.

  • For Subsidized Loans, the US Department of Education pays the interest while the student is in school at least half time, grace (if offered) and authorized deferment periods.
  • For Unsubsidized Loans, the borrower is responsible for paying interest during the in-school or grace periods, or a post-school deferment.

Private student loans, offered by banks and financial institutions, are based on your credit profile. Your credit—and your cosigner’s credit—are evaluated, along with other information provided on your application. Applying for a private student loan with a creditworthy cosigner may increase your chances for approval and may help get you a better rate, since many students haven’t had time to build up their own credit.

You should generally consider federal student loans first, and then take out a private student loan if you still need money for college.

Private Student Loan FAQs

All CIAT Degree and Certificate programs are eligible for up to 100% tuition coverage with a Sallie Mae loan.

If you don’t qualify for a Sallie Mae loan using your own credit, a cosigner’s positive credit can help you qualify and take the next steps to starting your education. 

Students can apply just once a year with a single credit check and funds are sent for each term directly to CIAT. You can cancel future disbursements as needed with no penalty. No additional interest is charged until money is sent towards your tuition, so you can relax, knowing you’ve got the funds when you need them.

It takes about 15 minutes to apply and get a credit decision. After you’re approved, you choose your student loan options, accept your loan disclosure, and the loan is certified by your school. Sallie Mae sends (disburses) the funds directly to CIAT. The process can take as few as 10 business days from application to disbursement.

Whether you study online or on campus, you can borrow to cover the costs of your Degree or Certificate expenses.

The loan’s flexibility makes it a good choice for many situations:

  • Online or on-campus classes
  • A U.S. citizen or permanent resident enrolled in a school in a foreign country
  • A non-U.S. citizen student, including DACA students, residing in and attending school in the U.S. (with a cosigner who is a U.S. citizen or U.S. permanent resident)

Parents can help their students pay for college in two ways: they can cosign a Smart Option Student Loan or take out a Sallie Mae Parent Loan in their own name. These are separate loans with different features and interest rates, so parents should compare their loan options.

With the Smart Option Student Loan, you can select from three repayment options—you can choose to make payments while in school with monthly interest payments or with fixed payments, or you can choose to defer payments until after school. No matter which option you choose, you have six months after you leave school (your grace period) before you begin to make principal and interest payments.

When you apply, Sallie Mae look at your history of borrowing money and paying it back on time. Lenders want to know how creditworthy, or responsible, you are with credit, before approving your student loan application.

Many college-bound high school students haven’t had time to build up their own credit. That’s why they apply with a cosigner, a creditworthy adult who shares the responsibility of the student loan.

You and your cosigner will want to have your social security number, school information, amount needed (remember, you can use it to pay for school-certified expenses for the entire year) as well as your financial and employment information. You or your cosigner may start the application, however should your cosigner not be with you, we can send along an email with a link to their section of the application so they can fill it in later.

Questions?

Don’t struggle alone. Our Admissions Team will be happy to set up a complimentary financial aid consultation to find the financing option that’s right for you.

2021 BEST CYBERSECURITY PROGRAMS

CIAT has been awarded top ranking status in Intelligent.com’s Best Cybersecurity Program review, highlighted as “Best For Industry Certifications”. Evaluated based on curriculum quality, graduation rate, reputation, and post-graduate employment.

CIRCLE OF EXCELLENCE AWARD

EC Council, the world's largest cybersecurity technical certification organization, awarded CIAT the Circle of Excellence Award two years in a row for our Certified Ethical Hacker certification training courses and career-ready curriculum.

MILITARY-FRIENDLY

We believe you deserve an education worthy of your service. CIAT welcomes military veterans, active duty service members, and spouses using the Post 9/11 GI Bill®, Veteran Readiness & Employment (VR&E), Active Duty Tuition Assistance, and MyCAA.

FULLY ACCREDITED

We have high standards and we believe you should too. CIAT has proudly earned accreditation from the Accrediting Council for Continuing Education & Training (ACCET) listed by the U.S. Department of Education as a nationally recognized accrediting agency.

2021 BEST CYBERSECURITY PROGRAMS

CIAT has been awarded top ranking status in Intelligent.com’s Best Cybersecurity Program review, highlighted as “Best For Industry Certifications”. Evaluated based on curriculum quality, graduation rate, reputation, and post-graduate employment.

CIRCLE OF EXCELLENCE AWARD

EC Council, the world's largest cybersecurity technical certification organization, awarded CIAT the Circle of Excellence Award two years in a row for our Certified Ethical Hacker certification training courses and career-ready curriculum.

MILITARY-FRIENDLY

We believe you deserve an education worthy of your service. CIAT welcomes military veterans, active duty service members, and spouses using the Post 9/11 GI Bill®, Veteran Readiness & Employment (VR&E), Active Duty Tuition Assistance, and MyCAA.

FULLY ACCREDITED

We have high standards and we believe you should too. CIAT has proudly earned accreditation from the Accrediting Council for Continuing Education & Training (ACCET) listed by the U.S. Department of Education as a nationally recognized accrediting agency.

TAKE THE FIRST STEP.

Enrollment Deadline: November 1st!

Questions about whether this program is right for you? We’ll help match you with the best program to meet your career goals.

ACADEMIC LEVEL

PROGRAM INTEREST

Talk to an Advisor

Request an appointment with one of our IT expert Admissions Advisors for personalized guidance on building your education plan. You’ll be able to book an appointment instantly for a time that fits your schedule. 

Next Enrollment Deadline is November 1st, 2021!

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