{"id":588,"date":"2020-03-19T13:32:51","date_gmt":"2020-03-19T20:32:51","guid":{"rendered":"https:\/\/sou.edu\/financial-aid\/?page_id=588"},"modified":"2025-02-19T09:18:53","modified_gmt":"2025-02-19T17:18:53","slug":"alternative-student-loans","status":"publish","type":"page","link":"https:\/\/sou.edu\/financial-aid\/aid-types\/loans\/alternative-student-loans\/","title":{"rendered":"Alternative Student Loans"},"content":{"rendered":"\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-k7149mi8-ac9664bebbee58a1629a73b9d02bea05\">\n.avia-section.av-k7149mi8-ac9664bebbee58a1629a73b9d02bea05{\nbackground-color:#f3f3f3;\nbackground-image:unset;\n}\n<\/style>\n<div id='av_section_1' aria-label='SOU Financial Aid - Alternative Student Loans Page - Title Section' class='avia-section av-k7149mi8-ac9664bebbee58a1629a73b9d02bea05 main_color avia-section-default avia-no-border-styling  avia-builder-el-0  el_before_av_submenu  avia-builder-el-first  avia-bg-style-scroll container_wrap fullsize'  ><div class='container av-section-cont-open' ><main  role=\"main\" itemprop=\"mainContentOfPage\"  class='template-page content  av-content-full alpha units'><div class='post-entry post-entry-type-page post-entry-588'><div class='entry-content-wrapper clearfix'>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-k7z7beem-9c0d35d67c68c9b005386edec482a802\">\n#top .av-special-heading.av-k7z7beem-9c0d35d67c68c9b005386edec482a802{\npadding-bottom:0;\nfont-size:36px;\n}\nbody .av-special-heading.av-k7z7beem-9c0d35d67c68c9b005386edec482a802 .av-special-heading-tag .heading-char{\nfont-size:25px;\n}\n#top #wrap_all .av-special-heading.av-k7z7beem-9c0d35d67c68c9b005386edec482a802 .av-special-heading-tag{\nfont-size:36px;\n}\n.av-special-heading.av-k7z7beem-9c0d35d67c68c9b005386edec482a802 .av-subheading{\nfont-size:15px;\n}\n\n@media only screen and (min-width: 480px) and (max-width: 767px){ \n#top #wrap_all .av-special-heading.av-k7z7beem-9c0d35d67c68c9b005386edec482a802 .av-special-heading-tag{\nfont-size:0.8em;\n}\n}\n\n@media only screen and (max-width: 479px){ \n#top #wrap_all .av-special-heading.av-k7z7beem-9c0d35d67c68c9b005386edec482a802 .av-special-heading-tag{\nfont-size:0.8em;\n}\n}\n<\/style>\n<div  class='av-special-heading av-k7z7beem-9c0d35d67c68c9b005386edec482a802 av-special-heading-h1 custom-color-heading blockquote modern-quote modern-centered  avia-builder-el-1  avia-builder-el-no-sibling  av-inherit-size'><h1 class='av-special-heading-tag '  itemprop=\"headline\"  >Alternative Student Loans<\/h1><div class=\"special-heading-border\"><div class=\"special-heading-inner-border\"><\/div><\/div><\/div>\n\n<\/div><\/div><\/main><!-- close content main element --><\/div><\/div><div class='clear'><\/div><div id='sub_menu1'  class='av-submenu-container av-2lt64-2eead3f96d825735d7e5fcdeae46352f alternate_color  avia-builder-el-2  el_after_av_section  el_before_av_submenu  goofy-foot no-border finaid-nav av-sticky-submenu submenu-not-first container_wrap fullsize' style='z-index:301' ><div class='container av-menu-mobile-disabled av-submenu-pos-center'><ul id=\"menu-financial-aid\" class=\"av-subnav-menu\" role=\"menu\"><li role=\"menuitem\" id=\"menu-item-378\" class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-home menu-item-top-level menu-item-top-level-1\"><a href=\"https:\/\/sou.edu\/financial-aid\/\" itemprop=\"url\" tabindex=\"0\"><span class=\"avia-bullet\"><\/span><span class=\"avia-menu-text\">Financial Aid<\/span><span class=\"avia-menu-fx\"><span class=\"avia-arrow-wrap\"><span class=\"avia-arrow\"><\/span><\/span><\/span><\/a><\/li>\n<li role=\"menuitem\" id=\"menu-item-121\" class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-top-level menu-item-top-level-2\"><a href=\"https:\/\/sou.edu\/financial-aid\/cost-of-attendance\/\" itemprop=\"url\" tabindex=\"0\"><span class=\"avia-bullet\"><\/span><span class=\"avia-menu-text\">Costs<\/span><span class=\"avia-menu-fx\"><span class=\"avia-arrow-wrap\"><span class=\"avia-arrow\"><\/span><\/span><\/span><\/a><\/li>\n<li role=\"menuitem\" id=\"menu-item-120\" class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-top-level menu-item-top-level-3\"><a href=\"https:\/\/sou.edu\/financial-aid\/apply-for-aid\/\" itemprop=\"url\" tabindex=\"0\"><span class=\"avia-bullet\"><\/span><span class=\"avia-menu-text\">Apply for Aid<\/span><span class=\"avia-menu-fx\"><span class=\"avia-arrow-wrap\"><span class=\"avia-arrow\"><\/span><\/span><\/span><\/a><\/li>\n<li role=\"menuitem\" id=\"menu-item-119\" class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-top-level menu-item-top-level-4\"><a href=\"https:\/\/sou.edu\/financial-aid\/scholarships\/\" itemprop=\"url\" tabindex=\"0\"><span class=\"avia-bullet\"><\/span><span class=\"avia-menu-text\">Scholarships<\/span><span class=\"avia-menu-fx\"><span class=\"avia-arrow-wrap\"><span class=\"avia-arrow\"><\/span><\/span><\/span><\/a><\/li>\n<li role=\"menuitem\" id=\"menu-item-118\" class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-top-level menu-item-top-level-5\"><a href=\"https:\/\/sou.edu\/financial-aid\/aid-types\/\" itemprop=\"url\" tabindex=\"0\"><span class=\"avia-bullet\"><\/span><span class=\"avia-menu-text\">Aid Types<\/span><span class=\"avia-menu-fx\"><span class=\"avia-arrow-wrap\"><span class=\"avia-arrow\"><\/span><\/span><\/span><\/a><\/li>\n<li role=\"menuitem\" id=\"menu-item-365\" class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-top-level menu-item-top-level-6\"><a href=\"https:\/\/sou.edu\/financial-aid\/veterans\/\" itemprop=\"url\" tabindex=\"0\"><span class=\"avia-bullet\"><\/span><span class=\"avia-menu-text\">Veterans<\/span><span class=\"avia-menu-fx\"><span class=\"avia-arrow-wrap\"><span class=\"avia-arrow\"><\/span><\/span><\/span><\/a><\/li>\n<li role=\"menuitem\" id=\"menu-item-117\" class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-top-level menu-item-top-level-7\"><a href=\"https:\/\/sou.edu\/financial-aid\/checklist\/\" itemprop=\"url\" tabindex=\"0\"><span class=\"avia-bullet\"><\/span><span class=\"avia-menu-text\">Checklist<\/span><span class=\"avia-menu-fx\"><span class=\"avia-arrow-wrap\"><span class=\"avia-arrow\"><\/span><\/span><\/span><\/a><\/li>\n<li role=\"menuitem\" id=\"menu-item-3653\" class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-top-level menu-item-top-level-8\"><a href=\"\/student-services\/\" itemprop=\"url\" tabindex=\"0\"><span class=\"avia-bullet\"><\/span><span class=\"avia-menu-text\">Raider Student Services<\/span><span class=\"avia-menu-fx\"><span class=\"avia-arrow-wrap\"><span class=\"avia-arrow\"><\/span><\/span><\/span><\/a><\/li>\n<\/ul><\/div><\/div><div class='sticky_placeholder'><\/div>\n<div class='clear'><\/div><div id='sub_menu2'  class='av-submenu-container av-k7z7c2rf-321c63c964c7954dca0e69236bf02d80 footer_color  avia-builder-el-3  el_after_av_submenu  el_before_av_section  sub-sub grey-sole av-sticky-submenu submenu-not-first container_wrap fullsize' style='z-index:302' ><div class='container av-menu-mobile-disabled av-submenu-pos-center'><ul id=\"menu-aid-types\" class=\"av-subnav-menu\" role=\"menu\"><li role=\"menuitem\" id=\"menu-item-526\" class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-top-level menu-item-top-level-1\"><a href=\"https:\/\/sou.edu\/financial-aid\/aid-types\/grants\/\" itemprop=\"url\" tabindex=\"0\"><span class=\"avia-bullet\"><\/span><span class=\"avia-menu-text\">Grants<\/span><span class=\"avia-menu-fx\"><span class=\"avia-arrow-wrap\"><span class=\"avia-arrow\"><\/span><\/span><\/span><\/a><\/li>\n<li role=\"menuitem\" id=\"menu-item-536\" class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-top-level menu-item-top-level-2\"><a href=\"https:\/\/sou.edu\/financial-aid\/aid-types\/loans\/\" itemprop=\"url\" tabindex=\"0\"><span class=\"avia-bullet\"><\/span><span class=\"avia-menu-text\">Loans<\/span><span class=\"avia-menu-fx\"><span class=\"avia-arrow-wrap\"><span class=\"avia-arrow\"><\/span><\/span><\/span><\/a><\/li>\n<li role=\"menuitem\" id=\"menu-item-4157\" class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-top-level menu-item-top-level-3\"><a href=\"https:\/\/sou.edu\/financial-aid\/aid-types\/military-tuition-assistance\/\" itemprop=\"url\" tabindex=\"0\"><span class=\"avia-bullet\"><\/span><span class=\"avia-menu-text\">Military Tuition Assistance<\/span><span class=\"avia-menu-fx\"><span class=\"avia-arrow-wrap\"><span class=\"avia-arrow\"><\/span><\/span><\/span><\/a><\/li>\n<li role=\"menuitem\" id=\"menu-item-544\" class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-top-level menu-item-top-level-4\"><a href=\"https:\/\/sou.edu\/financial-aid\/aid-types\/work-study\/\" itemprop=\"url\" tabindex=\"0\"><span class=\"avia-bullet\"><\/span><span class=\"avia-menu-text\">Work-Study<\/span><span class=\"avia-menu-fx\"><span class=\"avia-arrow-wrap\"><span class=\"avia-arrow\"><\/span><\/span><\/span><\/a><\/li>\n<li role=\"menuitem\" id=\"menu-item-552\" class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-top-level menu-item-top-level-5\"><a href=\"https:\/\/sou.edu\/financial-aid\/aid-types\/summer-aid\/\" itemprop=\"url\" tabindex=\"0\"><span class=\"avia-bullet\"><\/span><span class=\"avia-menu-text\">Summer Aid<\/span><span class=\"avia-menu-fx\"><span class=\"avia-arrow-wrap\"><span class=\"avia-arrow\"><\/span><\/span><\/span><\/a><\/li>\n<\/ul><\/div><\/div><div class='sticky_placeholder'><\/div>\n<div id='av_section_2' aria-label='SOU Financial Aid - Alternative Student Loans Page - Description Section' class='avia-section av-oo7c-fe191b4de6005742ea4d60292bfa6427 main_color avia-section-default avia-shadow  avia-builder-el-4  el_after_av_submenu  el_before_av_section  avia-bg-style-scroll container_wrap fullsize'  ><div class='container av-section-cont-open' ><div class='template-page content  av-content-full alpha units'><div class='post-entry post-entry-type-page post-entry-588'><div class='entry-content-wrapper clearfix'>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-2ujyx-66c6899418817ad85692117e178499f8\">\n.flex_column.av-2ujyx-66c6899418817ad85692117e178499f8{\nborder-radius:0px 0px 0px 0px;\npadding:0px 0px 0px 0px;\n}\n<\/style>\n<div  class='flex_column av-2ujyx-66c6899418817ad85692117e178499f8 av_one_fifth  avia-builder-el-5  el_before_av_three_fifth  avia-builder-el-first  first flex_column_div av-zero-column-padding  '     aria-label='SOU Financial Aid - Alternative Student Loans Page - Empty Section'  ><\/div>\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-2c48h-e6d2c83232d995349c556b011a9cbcf9\">\n.flex_column.av-2c48h-e6d2c83232d995349c556b011a9cbcf9{\nborder-radius:0px 0px 0px 0px;\npadding:0px 0px 0px 0px;\n}\n<\/style>\n<div  class='flex_column av-2c48h-e6d2c83232d995349c556b011a9cbcf9 av_three_fifth  avia-builder-el-6  el_after_av_one_fifth  el_before_av_one_fifth  flex_column_div av-zero-column-padding  '     aria-label='SOU Financial Aid - Alternative Student Loans Page - Details of Alternative Loans'  ><p>\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-ka4hvf0b-1a7e65a4f5ce545f9eabbbd2f8377a16\">\n.avia-image-container.av-ka4hvf0b-1a7e65a4f5ce545f9eabbbd2f8377a16 img.avia_image{\nbox-shadow:none;\n}\n.avia-image-container.av-ka4hvf0b-1a7e65a4f5ce545f9eabbbd2f8377a16 .av-image-caption-overlay-center{\ncolor:#ffffff;\n}\n<\/style>\n<div  class='avia-image-container av-ka4hvf0b-1a7e65a4f5ce545f9eabbbd2f8377a16 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768w,https:\/\/sou.edu\/financial-aid\/wp-content\/uploads\/sites\/29\/2020\/05\/SOU-Alternative-Student-Loans-from-Private-Lenders-705x235.webp 705w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" type=\"image\/webp\"><img src=\"https:\/\/sou.edu\/financial-aid\/wp-content\/uploads\/sites\/29\/2020\/05\/SOU-Alternative-Student-Loans-from-Private-Lenders.jpg\" height=\"400\" width=\"1200\" srcset=\"https:\/\/sou.edu\/financial-aid\/wp-content\/uploads\/sites\/29\/2020\/05\/SOU-Alternative-Student-Loans-from-Private-Lenders.jpg 1200w, https:\/\/sou.edu\/financial-aid\/wp-content\/uploads\/sites\/29\/2020\/05\/SOU-Alternative-Student-Loans-from-Private-Lenders-300x100.jpg 300w, https:\/\/sou.edu\/financial-aid\/wp-content\/uploads\/sites\/29\/2020\/05\/SOU-Alternative-Student-Loans-from-Private-Lenders-1030x343.jpg 1030w, https:\/\/sou.edu\/financial-aid\/wp-content\/uploads\/sites\/29\/2020\/05\/SOU-Alternative-Student-Loans-from-Private-Lenders-768x256.jpg 768w, https:\/\/sou.edu\/financial-aid\/wp-content\/uploads\/sites\/29\/2020\/05\/SOU-Alternative-Student-Loans-from-Private-Lenders-705x235.jpg 705w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" class=\"wp-image-2418 avia-img-lazy-loading-not-2418 avia_image  sp-no-webp\" alt=\"SOU Alternative Student Loans from Private Lenders\" decoding=\"async\" fetchpriority=\"high\" itemprop=\"thumbnailUrl\"  > <\/picture><\/div><\/div><\/div><br \/>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-m81do-5253a3eeeba9e95fe019274391833966\">\n#top .av-special-heading.av-m81do-5253a3eeeba9e95fe019274391833966{\npadding-bottom:0;\nfont-size:28px;\n}\nbody .av-special-heading.av-m81do-5253a3eeeba9e95fe019274391833966 .av-special-heading-tag .heading-char{\nfont-size:25px;\n}\n#top #wrap_all .av-special-heading.av-m81do-5253a3eeeba9e95fe019274391833966 .av-special-heading-tag{\nfont-size:28px;\n}\n.av-special-heading.av-m81do-5253a3eeeba9e95fe019274391833966 .av-subheading{\nfont-size:15px;\n}\n\n@media only screen and (min-width: 480px) and (max-width: 767px){ \n#top #wrap_all .av-special-heading.av-m81do-5253a3eeeba9e95fe019274391833966 .av-special-heading-tag{\nfont-size:0.8em;\n}\n}\n\n@media only screen and (max-width: 479px){ \n#top #wrap_all .av-special-heading.av-m81do-5253a3eeeba9e95fe019274391833966 .av-special-heading-tag{\nfont-size:0.8em;\n}\n}\n<\/style>\n<div  class='av-special-heading av-m81do-5253a3eeeba9e95fe019274391833966 av-special-heading-h2 blockquote modern-quote  avia-builder-el-8  el_after_av_image  el_before_av_textblock  av-inherit-size'><h2 class='av-special-heading-tag '  itemprop=\"headline\"  >Alternative Student Loans from Private Lenders<\/h2><div class=\"special-heading-border\"><div class=\"special-heading-inner-border\"><\/div><\/div><\/div><br \/>\n<section  class='av_textblock_section av-k72dy1zc-e5f780d73045f0719faf765775db37fc '   itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class='avia_textblock'  itemprop=\"text\" ><p>Alternative or private loans are privately funded, generally provided by commercial lenders, and eligibility is not based on financial need. However, the amount borrowed cannot exceed the cost of education minus all other financial aid. Interest rates and repayment terms vary but are generally less favorable than those provided through the William D. Ford Federal Direct Loan Program. Private loans are based on a student&#8217;s creditworthiness, (and co-signer, if applicable) and used to supplement the federal and state financial aid.<\/p>\n<p class=\"heavy-man dig-4\">Important things to consider when selecting the right lender and private loan for you:<\/p>\n<ul class=\"pop-4\">\n<li>Understand the ultimate cost of the loan over its lifetime. Compare annual percentage rates (APR) vs. interest rates and fees to determine the real cost of the loan. Find out how long you have to pay it off.<\/li>\n<li>Be aware of what the monthly payments will be upon graduation or leaving school and how that will affect your lifestyle after college.<\/li>\n<li>Find out what the &#8220;borrower benefits&#8221; really mean to you. How is each benefit achieved and how are they kept throughout repayment. What happens if you miss an &#8220;on time&#8221; payment?<\/li>\n<li>Find out if the lender sells student loans. If your loan is sold, will any repayment incentives be honored by the purchasing lender?<\/li>\n<li>Are there forbearance or deferment options? Understand what additional cost these may have for you.<\/li>\n<li>How does the lender capitalize interest? (i.e. once when repayment begins or quarterly)<\/li>\n<li>Notify your lender of any change in address, name or repayment problems. Lack of communication is one of the first steps toward delinquency.<\/li>\n<li>Borrowers should always explore federal loan options first; private student loans and\/or alternative educational loans may have higher interest rates and fees.<\/li>\n<li>Be aware that a credit-worthy co-signer may be required. Understand co-signer release options upon repayment.<\/li>\n<li>SOU does not have preferred lenders and students may borrow from the lender of their choice.<\/li>\n<\/ul>\n<p>A variety of private lenders offer alternative loans funded through non-governmental sources. Once you and your family have considered all of the federal loan options, you can view and compare alternative loan options using <a href=\"https:\/\/www.sparrowfi.com\/partner\/universities\/southern-oregon-university?utm_campaign=university-partnership&amp;utm_medium=edu-referral&amp;utm_source=southern-oregon-university\">Sparrow<\/a>.<\/p>\n<p>On <a href=\"\/\/www.sparrowfi.com\/partner\/universities\/southern-oregon-university?utm_campaign=university-partnership&amp;utm_medium=edu-referral&amp;utm_source=southern-oregon-university\">Sparrow<\/a>, you can search and compare real, personalized private student loan rates from over 15+ lenders through a simple, three-minute form. Sparrow provides a suite of analytical tools that make student loan comparison easy, digestible, and visual. Using Sparrow to search for your student loans is free and does not impact your credit score.<\/p>\n<\/div><\/section><br \/>\n<div  class='hr av-lhzbmrb6-5de757a80ead01e2bc3acbc441629085 hr-short  avia-builder-el-10  el_after_av_textblock  el_before_av_video  hr-center'><span class='hr-inner '><span class=\"hr-inner-style\"><\/span><\/span><\/div><br \/>\n<div  class='avia-video av-lhzb8gv6-1d9f7b4ce1689ebe9e7ba42417b5fdcf avia-video-16-9 av-no-preview-image avia-video-load-always av-lazyload-immediate av-lazyload-video-embed'  itemprop=\"video\" itemtype=\"https:\/\/schema.org\/VideoObject\"  data-original_url='https:\/\/www.youtube.com\/watch?v=Kb0NrxFVXIg'><script type='text\/html' class='av-video-tmpl'><div class='avia-iframe-wrap'><iframe loading=\"lazy\" title=\"Demo of Sparrow (Student Loans) for Southern Oregon University\" width=\"1500\" height=\"844\" src=\"https:\/\/www.youtube.com\/embed\/Kb0NrxFVXIg?feature=oembed&autoplay=0&loop=0&controls=1&mute=0\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" allowfullscreen><\/iframe><\/div><\/script><div class='av-click-to-play-overlay'><div class=\"avia_playpause_icon\"><\/div><\/div><\/div><br \/>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-lhzbciss-380dd8034e510d135143d7157ee8b31d\">\n#top .av-special-heading.av-lhzbciss-380dd8034e510d135143d7157ee8b31d{\npadding-bottom:0;\nfont-size:22px;\n}\nbody .av-special-heading.av-lhzbciss-380dd8034e510d135143d7157ee8b31d .av-special-heading-tag .heading-char{\nfont-size:25px;\n}\n#top #wrap_all .av-special-heading.av-lhzbciss-380dd8034e510d135143d7157ee8b31d .av-special-heading-tag{\nfont-size:22px;\n}\n.av-special-heading.av-lhzbciss-380dd8034e510d135143d7157ee8b31d .av-subheading{\nfont-size:15px;\n}\n\n@media only screen and (min-width: 480px) and (max-width: 767px){ \n#top #wrap_all .av-special-heading.av-lhzbciss-380dd8034e510d135143d7157ee8b31d .av-special-heading-tag{\nfont-size:0.8em;\n}\n}\n\n@media only screen and (max-width: 479px){ \n#top #wrap_all .av-special-heading.av-lhzbciss-380dd8034e510d135143d7157ee8b31d .av-special-heading-tag{\nfont-size:0.8em;\n}\n}\n<\/style>\n<div  class='av-special-heading av-lhzbciss-380dd8034e510d135143d7157ee8b31d av-special-heading-h3 blockquote modern-quote modern-centered  avia-builder-el-12  el_after_av_video  el_before_av_hr  force-pop-20 av-inherit-size'><h3 class='av-special-heading-tag '  itemprop=\"headline\"  >Watch: Demo of the Sparrow Student Tool for SOU Students<\/h3><div class=\"special-heading-border\"><div class=\"special-heading-inner-border\"><\/div><\/div><\/div><br \/>\n<div  class='hr av-lhzbkez8-d15a3ba116b0fb8b601b350b4da73bd0 hr-short  avia-builder-el-13  el_after_av_heading  avia-builder-el-last  force-dig-0 hr-center'><span class='hr-inner '><span class=\"hr-inner-style\"><\/span><\/span><\/div><\/p><\/div>\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-2ujyx-5-04d408f815c21366bce39b6e19648218\">\n.flex_column.av-2ujyx-5-04d408f815c21366bce39b6e19648218{\nborder-radius:0px 0px 0px 0px;\npadding:0px 0px 0px 0px;\n}\n<\/style>\n<div  class='flex_column av-2ujyx-5-04d408f815c21366bce39b6e19648218 av_one_fifth  avia-builder-el-14  el_after_av_three_fifth  avia-builder-el-last  flex_column_div av-zero-column-padding  '     aria-label='SOU Financial Aid - Alternative Student Loans Page - Empty Section'  ><\/div><\/div><\/div><\/div><!-- close content main div --><\/div><\/div>\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-x7q5s-c953b86f641c58a9a8e8670be8726fb4\">\n.avia-section.av-x7q5s-c953b86f641c58a9a8e8670be8726fb4{\nbackground-color:#e4e4e4;\nbackground-image:unset;\n}\n<\/style>\n<div id='av_section_3' aria-label='SOU Financial Aid - Alternative Student Loans Page - Section Contents: Aid Types' class='avia-section av-x7q5s-c953b86f641c58a9a8e8670be8726fb4 main_color avia-section-default avia-no-border-styling  avia-builder-el-15  el_after_av_section  el_before_av_section  sector-9 avia-bg-style-scroll container_wrap fullsize'  ><div class='container av-section-cont-open' ><div class='template-page content  av-content-full alpha units'><div class='post-entry post-entry-type-page post-entry-588'><div class='entry-content-wrapper clearfix'>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-dbdec-64522a870da83fbb3d25c680450f21e9\">\n#top .av-special-heading.av-dbdec-64522a870da83fbb3d25c680450f21e9{\npadding-bottom:8px;\nfont-size:20px;\n}\nbody .av-special-heading.av-dbdec-64522a870da83fbb3d25c680450f21e9 .av-special-heading-tag .heading-char{\nfont-size:25px;\n}\n#top #wrap_all .av-special-heading.av-dbdec-64522a870da83fbb3d25c680450f21e9 .av-special-heading-tag{\nfont-size:20px;\n}\n.av-special-heading.av-dbdec-64522a870da83fbb3d25c680450f21e9 .av-subheading{\nfont-size:15px;\n}\n\n@media only screen and (min-width: 480px) and (max-width: 767px){ \n#top #wrap_all .av-special-heading.av-dbdec-64522a870da83fbb3d25c680450f21e9 .av-special-heading-tag{\nfont-size:0.8em;\n}\n}\n\n@media only screen and (max-width: 479px){ \n#top #wrap_all .av-special-heading.av-dbdec-64522a870da83fbb3d25c680450f21e9 .av-special-heading-tag{\nfont-size:0.8em;\n}\n}\n<\/style>\n<div  class='av-special-heading av-dbdec-64522a870da83fbb3d25c680450f21e9 av-special-heading-h2 blockquote modern-quote  avia-builder-el-16  el_before_av_one_fourth  avia-builder-el-first  av-inherit-size av-linked-heading'><h2 class='av-special-heading-tag '  itemprop=\"headline\"  ><span class=\"heavy-man\">Section Contents:<\/span> <a class=\"force-bro-line\" href=\"\/financial-aid\/aid-types\/\">Aid Types<\/a><\/h2><div class=\"special-heading-border\"><div class=\"special-heading-inner-border\"><\/div><\/div><\/div>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-kb3b4-8c7d5c8666f5dcb606f4053766547086\">\n.flex_column.av-kb3b4-8c7d5c8666f5dcb606f4053766547086{\nborder-radius:0px 0px 0px 0px;\npadding:0px 0px 0px 0px;\nbackground-color:#e4e4e4;\n}\n<\/style>\n<div  class='flex_column av-kb3b4-8c7d5c8666f5dcb606f4053766547086 av_one_fourth  avia-builder-el-17  el_after_av_heading  el_before_av_one_fourth  first flex_column_div av-zero-column-padding  '     aria-label='SOU Financial Aid - Alternative Student Loans Page - Aid Types 1'  ><div  class='avia-builder-widget-area clearfix  avia-builder-el-18  avia-builder-el-no-sibling '><div id=\"nav_menu-18\" class=\"widget clearfix widget_nav_menu\"><div class=\"menu-aid-types-content-1-container\"><ul id=\"menu-aid-types-content-1\" class=\"menu\"><li id=\"menu-item-1543\" class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-has-children menu-item-1543\"><a href=\"https:\/\/sou.edu\/financial-aid\/aid-types\/grants\/\">Grants<\/a>\n<ul class=\"sub-menu\">\n\t<li id=\"menu-item-2692\" class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-2692\"><a href=\"https:\/\/sou.edu\/financial-aid\/aid-types\/grants\/teach-grant\/\">TEACH Grant<\/a><\/li>\n<\/ul>\n<\/li>\n<li id=\"menu-item-1544\" class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-has-children menu-item-1544\"><a href=\"https:\/\/sou.edu\/financial-aid\/aid-types\/loans\/\">Loans<\/a>\n<ul class=\"sub-menu\">\n\t<li id=\"menu-item-1546\" class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-1546\"><a href=\"https:\/\/sou.edu\/financial-aid\/aid-types\/loans\/subsidized-loan\/\">Direct Subsidized Loan<\/a><\/li>\n\t<li id=\"menu-item-1547\" class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-1547\"><a href=\"https:\/\/sou.edu\/financial-aid\/aid-types\/loans\/unsubsidized-loan\/\">Direct Unsubsidized Loan<\/a><\/li>\n\t<li id=\"menu-item-1556\" class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-1556\"><a href=\"https:\/\/sou.edu\/financial-aid\/aid-types\/loans\/graduate-plus\/\">Graduate Plus Loan<\/a><\/li>\n\t<li id=\"menu-item-4154\" class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-4154\"><a href=\"https:\/\/sou.edu\/financial-aid\/aid-types\/loans\/parent-plus\/\">Parent Plus Loan<\/a><\/li>\n<\/ul>\n<\/li>\n<\/ul><\/div><\/div><\/div><\/div>\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-kb3b4-4-81794c15e053de46e10fd232bfcd477c\">\n.flex_column.av-kb3b4-4-81794c15e053de46e10fd232bfcd477c{\nborder-radius:0px 0px 0px 0px;\npadding:0px 0px 0px 0px;\nbackground-color:#e4e4e4;\n}\n<\/style>\n<div  class='flex_column av-kb3b4-4-81794c15e053de46e10fd232bfcd477c av_one_fourth  avia-builder-el-19  el_after_av_one_fourth  el_before_av_one_half  flex_column_div av-zero-column-padding  '     aria-label='SOU Financial Aid - Alternative Student Loans Page - Aid Types 2'  ><div  class='avia-builder-widget-area clearfix  avia-builder-el-20  avia-builder-el-no-sibling '><div id=\"nav_menu-19\" class=\"widget clearfix widget_nav_menu\"><div class=\"menu-aid-types-content-2-container\"><ul id=\"menu-aid-types-content-2\" class=\"menu\"><li id=\"menu-item-1560\" class=\"nolink-bro menu-item menu-item-type-custom menu-item-object-custom menu-item-has-children menu-item-1560\"><a rel=\"nofollow\"><em>Loans continued:<\/em><\/a>\n<ul class=\"sub-menu\">\n\t<li id=\"menu-item-1594\" class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-1594\"><a href=\"https:\/\/sou.edu\/financial-aid\/aid-types\/loans\/alternative-student-loans\/\">Alternative Student Loans<\/a><\/li>\n\t<li id=\"menu-item-1549\" class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-1549\"><a href=\"https:\/\/sou.edu\/financial-aid\/aid-types\/loans\/repayment\/\">Loan Repayment<\/a><\/li>\n<\/ul>\n<\/li>\n<li id=\"menu-item-4155\" class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-4155\"><a href=\"https:\/\/sou.edu\/financial-aid\/aid-types\/military-tuition-assistance\/\">Military Tuition Assistance<\/a><\/li>\n<li id=\"menu-item-1555\" class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-1555\"><a href=\"https:\/\/sou.edu\/financial-aid\/aid-types\/work-study\/\">Work-Study<\/a><\/li>\n<li id=\"menu-item-1554\" class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-1554\"><a href=\"https:\/\/sou.edu\/financial-aid\/aid-types\/summer-aid\/\">Summer Financial Aid<\/a><\/li>\n<\/ul><\/div><\/div><\/div><\/div>\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-kb3b4-3-e53b81dea14f34ea7118a6c345456031\">\n.flex_column.av-kb3b4-3-e53b81dea14f34ea7118a6c345456031{\nborder-radius:0px 0px 0px 0px;\npadding:0px 0px 0px 0px;\nbackground-color:#e4e4e4;\n}\n<\/style>\n<div  class='flex_column av-kb3b4-3-e53b81dea14f34ea7118a6c345456031 av_one_half  avia-builder-el-21  el_after_av_one_fourth  avia-builder-el-last  flex_column_div av-zero-column-padding  '     aria-label='SOU Financial Aid - Alternative Student Loans Page - Empty Section'  ><\/div>\n<\/p>\n<\/div><\/div><\/div><!-- close content main div --><\/div><\/div><div id='av_section_4' aria-label='SOU Financial Aid - Alternative Student Loans Page - Financial Aid Resources Section' class='avia-section av-k72gcnk3-0496dc269fa7fe9beb8e43e5b70ad473 alternate_color avia-section-default avia-no-border-styling  avia-builder-el-22  el_after_av_section  avia-builder-el-last  sector-10 avia-bg-style-scroll container_wrap fullsize'  ><div class='container av-section-cont-open' ><div class='template-page content  av-content-full alpha units'><div class='post-entry post-entry-type-page post-entry-588'><div class='entry-content-wrapper clearfix'>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-fplkc-9a64c4deced5c16f67e9594e29a5edd5\">\n#top .av-special-heading.av-fplkc-9a64c4deced5c16f67e9594e29a5edd5{\npadding-bottom:8px;\ncolor:#ffffff;\nfont-size:20px;\n}\nbody .av-special-heading.av-fplkc-9a64c4deced5c16f67e9594e29a5edd5 .av-special-heading-tag .heading-char{\nfont-size:25px;\n}\n#top #wrap_all .av-special-heading.av-fplkc-9a64c4deced5c16f67e9594e29a5edd5 .av-special-heading-tag{\nfont-size:20px;\n}\n.av-special-heading.av-fplkc-9a64c4deced5c16f67e9594e29a5edd5 .special-heading-inner-border{\nborder-color:#ffffff;\n}\n.av-special-heading.av-fplkc-9a64c4deced5c16f67e9594e29a5edd5 .av-subheading{\nfont-size:15px;\n}\n\n@media only screen and (min-width: 480px) and (max-width: 767px){ \n#top #wrap_all .av-special-heading.av-fplkc-9a64c4deced5c16f67e9594e29a5edd5 .av-special-heading-tag{\nfont-size:0.8em;\n}\n}\n\n@media only screen and (max-width: 479px){ \n#top #wrap_all .av-special-heading.av-fplkc-9a64c4deced5c16f67e9594e29a5edd5 .av-special-heading-tag{\nfont-size:0.8em;\n}\n}\n<\/style>\n<div  class='av-special-heading av-fplkc-9a64c4deced5c16f67e9594e29a5edd5 av-special-heading-h2 custom-color-heading blockquote modern-quote  avia-builder-el-23  el_before_av_one_fourth  avia-builder-el-first  av-inherit-size'><h2 class='av-special-heading-tag '  itemprop=\"headline\"  ><span class=\"heavy-man\">Financial Aid Resources<\/span><\/h2><div class=\"special-heading-border\"><div class=\"special-heading-inner-border\"><\/div><\/div><\/div>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-q0260-bf7b590f6379b34a7c79cc1b52415d49\">\n.flex_column.av-q0260-bf7b590f6379b34a7c79cc1b52415d49{\nborder-radius:0px 0px 0px 0px;\npadding:0px 0px 0px 0px;\n}\n<\/style>\n<div  class='flex_column av-q0260-bf7b590f6379b34a7c79cc1b52415d49 av_one_fourth  avia-builder-el-24  el_after_av_heading  el_before_av_one_fourth  force-pop-0 first flex_column_div av-zero-column-padding  '     aria-label='SOU Financial Aid - Alternative Student Loans Page - Resources 1'  ><div  class='avia-builder-widget-area clearfix  avia-builder-el-25  avia-builder-el-no-sibling '><div id=\"nav_menu-11\" class=\"widget clearfix widget_nav_menu\"><div class=\"menu-aid-foot-nav-container\"><ul id=\"menu-aid-foot-nav\" class=\"menu\"><li id=\"menu-item-3752\" class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-home menu-item-3752\"><a href=\"https:\/\/sou.edu\/financial-aid\/\">SOU Financial Aid Home<\/a><\/li>\n<li id=\"menu-item-1861\" class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-1861\"><a href=\"https:\/\/sou.edu\/financial-aid\/future-students\/\">Future Students<\/a><\/li>\n<li id=\"menu-item-1689\" class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-1689\"><a href=\"https:\/\/sou.edu\/financial-aid\/checklist\/\">New Student Checklist<\/a><\/li>\n<li id=\"menu-item-1862\" class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-1862\"><a href=\"https:\/\/sou.edu\/financial-aid\/current-students\/\">Current Students<\/a><\/li>\n<li id=\"menu-item-1684\" class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-1684\"><a href=\"https:\/\/sou.edu\/financial-aid\/cost-of-attendance\/\">Cost of Attendance<\/a><\/li>\n<li id=\"menu-item-1685\" class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-1685\"><a href=\"https:\/\/sou.edu\/financial-aid\/apply-for-aid\/\">Apply for Financial Aid<\/a><\/li>\n<li id=\"menu-item-1686\" class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-1686\"><a href=\"https:\/\/sou.edu\/financial-aid\/scholarships\/\">Find Scholarships<\/a><\/li>\n<\/ul><\/div><\/div><\/div><\/div>\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-q0260-2-f4682bb475073287122fafaeb3bad87e\">\n.flex_column.av-q0260-2-f4682bb475073287122fafaeb3bad87e{\nborder-radius:0px 0px 0px 0px;\npadding:0px 0px 0px 0px;\n}\n<\/style>\n<div  class='flex_column av-q0260-2-f4682bb475073287122fafaeb3bad87e av_one_fourth  avia-builder-el-26  el_after_av_one_fourth  el_before_av_one_half  force-pop-0 flex_column_div av-zero-column-padding  '     aria-label='SOU Financial Aid - Alternative Student Loans Page - Resources 2'  ><div  class='avia-builder-widget-area clearfix  avia-builder-el-27  avia-builder-el-no-sibling '><div id=\"nav_menu-12\" class=\"widget clearfix widget_nav_menu\"><div class=\"menu-resources-container\"><ul id=\"menu-resources\" class=\"menu\"><li id=\"menu-item-3753\" class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-3753\"><a href=\"https:\/\/sou.edu\/financial-aid\/aid-types\/\">Types of Aid<\/a><\/li>\n<li id=\"menu-item-1863\" class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-1863\"><a href=\"https:\/\/sou.edu\/financial-aid\/veterans\/\">Veterans Benefits<\/a><\/li>\n<li id=\"menu-item-1067\" class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-1067\"><a href=\"https:\/\/sou.edu\/financial-aid\/faq\/\">Frequently Asked Questions<\/a><\/li>\n<li id=\"menu-item-1064\" class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-1064\"><a href=\"https:\/\/sou.edu\/financial-aid\/online-mba-terms\/\">Online MBA Terms &#038; Conditions<\/a><\/li>\n<li id=\"menu-item-1672\" class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-1672\"><a href=\"https:\/\/sou.edu\/financial-aid\/consumer-information\/\">Consumer Information<\/a><\/li>\n<li id=\"menu-item-1062\" class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-1062\"><a href=\"https:\/\/sou.edu\/financial-aid\/constitution-day\/\">Constitution Day<\/a><\/li>\n<li id=\"menu-item-3754\" class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-3754\"><a href=\"\/student-services\/dates\/\">Academic Calendar Dates<\/a><\/li>\n<\/ul><\/div><\/div><\/div><\/div>\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-q0260-1-d890cc1b8d38e74233752133d2ad45c6\">\n.flex_column.av-q0260-1-d890cc1b8d38e74233752133d2ad45c6{\nborder-radius:0px 0px 0px 0px;\npadding:0px 0px 0px 0px;\n}\n<\/style>\n<div  class='flex_column av-q0260-1-d890cc1b8d38e74233752133d2ad45c6 av_one_half  avia-builder-el-28  el_after_av_one_fourth  avia-builder-el-last  force-pop-0 flex_column_div av-zero-column-padding  '     aria-label='SOU Financial Aid - Alternative Student Loans Page - Contact Section'  ><div  class='avia-builder-widget-area clearfix  avia-builder-el-29  avia-builder-el-no-sibling '><div id=\"custom_html-2\" class=\"widget_text widget clearfix widget_custom_html\"><div class=\"textwidget custom-html-widget\"><h3 style=\"text-align: right;\">Contact Raider Student Services<\/h3>\r\n<p class=\"pop-8 mossy-link dig-8\" style=\"text-align: right;\"><a class=\"heavy-man\" href=\"\/student-services\">Raider Student Services<\/a><br \/>\r\n1250 Siskiyou Blvd.<br \/>\r\nAshland, OR 97520<br \/>\r\nPhone: <a href=\"tel:+15415526600\" target=\"_blank\" rel=\"noopener\">541.552.6600<\/a><br \/>\r\nFax: 541.552.6614<br \/>\r\nFinancial Aid & Scholarships: <a href=\"mailto:finaid@sou.edu\" target=\"_blank\">finaid@sou.edu<\/a><br \/>\r\nRegistrar (Registration & Records): <a href=\"mailto:registrar@sou.edu\" target=\"_blank\">registrar@sou.edu<\/a><br \/>\r\nBursar (Student Financial Accounts): <a href=\"mailto:studentaccounts@sou.edu\" target=\"_blank\">studentaccounts@sou.edu<\/a><br \/>Hours: Monday through Friday from 9 am to 4 pm<\/p>\r\n<p class=\"pop-0 mossy-link\" style=\"text-align: right;\"><a href=\"\/financial-aid\/contact\/\">Contact Us<\/a><\/p><\/div><\/div><\/div><\/div>\n\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":14,"featured_media":0,"parent":532,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-588","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v26.0 (Yoast SEO v26.0) - 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