Students may apply for a private (non-federal) loan. You (and your co-borrower, if applicable) should carefully research the options and select the private loan that best suits your needs. You will need to provide any documentation requested by the lender and follow the application procedure that is specific to the loan. Gadsden State will certify any private educational loan based upon eligibility.

Steps you should take in the loan process are:

  1. Complete the FAFSA. (Recommended)
  2. Apply through Great Lakes - Fast Choice Loan Option. Complete the financial literacy component and apply for the loan. When choosing a loan option, the borrower type to select will be "Undergraduate." Your loan limit will depend on the amount for which you qualify and your remaining need.
  3. After applying for the loan and receiving notification from the lender, Gadsden State will certify your loan amount based on the loan period(s) you specified in your application. For example, if you specify the Fall and Spring loan period your loan will be divided equally between the Fall and Spring semesters.*
  4. Read and accept the TERMS & CONDITIONS within OneACCS.

NOTE: We will not certify or process a loan unless you are making Satisfactory Academic Progress.

*A Loan Request Form can be requested if you do not want your loan divided equally among the specified semesters.

For more information about loans, contact Princess King at 256.549.8264 or email

Frequently Asked Questions: