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Private Loans

If your financial aid package wasn't what you expected, and you need more money to cover education costs, a private loan can help.

Private loans should be used only after you've considered the Stafford Loan, PLUS Loan, and TuitionPay® Monthly Plan.


AMS's Signature Student Loan®

AMS is pleased to offer the Signature Student Loan - a popular, private education loan that allows you to borrow up to the full cost of your college education.

The Signature Student Loan features:

Competitive interest rates that reward creditworthiness

  • No income requirement for students
  • No payments while you’re in school and a six month grace period after you leave school1
  • Eligibility for undergraduate, graduate and health professions student senrolled at least half time at an eligible community college, four- or five-year college or graduate or professions school
  • International student eligibility with a cosigner (U.S. citizen or permanent resident) and applicable CIS documents
  • Combined billing when you have multiple Sallie Mae-serviced student loans

*For more information

Apply for a Signature Student Loan »
AMS Lender Code 900901


The MBA LOANS® Private LoanSM from AMS

If you've reached your federal loan limit, but still need money for graduate business school, consider an MBA LOANS Private Loan. This loan features:

  • High approval rates.
  • Eligibility for full-time, half-time and part-time students.
  • Quick and easy online credit pre-approval and application with electronic signature.
  • Credit-based interest rates and fees.
  • No payments while you're in school1.
  • A six-month repayment grace period after you graduate, leave school or drop to less than half-time enrollment1.
  • Cosigner release option after the first 24 consecutive on-time monthly payments of principal and interest (subject to student borrower's credit history at that time)2.

Apply for a MBA LOANS Private Loan »
AMS Lender Code 900801


The LAWLOANS® Private LoanSM from AMS

Need help financing your law school education? The LAWLOANS Private Loan has high approval rates and lets you cover the full cost of your education. This loan features:

  • Loan amount up to the cost of education less other financial aid
  • Affordable, convenient, and accessible funding for law students.
  • Credit-based interest rates and fees.
  • Quick and easy online credit pre-approval and application with electronic signature.
  • No payments while you're in school1.
  • A nine-month repayment grace period after you graduate or drop to less than half-time enrollment1.
  • Cosigner release option after the first 24 consecutive on-time monthly payments of principal and interest (subject to student borrower's credit history at that time)2.

For more information or to Apply for a LAWLOANS private loan »
AMS Lender Code 900901


LAWLOANS Bar Study Loan® from AMS

Need money while studying for the bar exam? The LAWLOANS Bar Study Loan lets you finance exam costs as well as living expenses while you're studying for the bar.

You are eligible for the Bar Study loan if you are enrolled at least half-time in your final year at an ABA-accredited law school, or you have graduated from law school within the last 12 months. Bar Study Loan applicants must take the bar exam no later than 12 months after graduation.


Community College LoanSM

Designed to provide financing for students enrolled in associate degree and Title IV-eligible certificate programs.

Used to supplement federal student loans (i.e., Stafford Loans) to cover the total cost of attendance, including tuition and education-related expenses.

Click for more information or to apply for a Community College Loan.


Career Training LoanSM

Available to students enrolled in a technical training or trade school, distance learning, or continuing education programs.

The Career Training Loan has interest rates and fees that reward good credit.

If you have less-than-ideal credit or no credit at all, you can still be eligible for the Career Training Loan by applying with a creditworthy cosigner.

Creditworthy borrowers may request a cosigner release after making the first 24 consecutive, on-time monthly payments of prinicpal and interest as intially scheduled.

Loan can be used to pay tuition and education-related expenses.


1Deferring payment while in school and in the grace period will increase the overall loan costs. Unpaid interest that accrues while you are in school and in the grace period will be capitalized (added to your loan amount) at repayment.

2The account must remain current until the request for release is processed. Borrower credit qualification applies. Borrower must be a U.S. citizen or permanent resident at the time the cosigner release request is processed.

AMS private loans are funded by Sallie Mae Bank® or a Sallie Mae lender partner.