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Federal Loans
For information related to federal loans such as the Perkins Loan, Subsidized and Unsubsidized Direct Loans and Parent PLUS Loans visit https://studentaid.ed.gov/types/loans.

Private Educational Loans
Although privately funded and managed, private educational loans are considered financial aid because cost of attendance and enrollment are certified by the school to the lender, and the loans must be considered as a resource in determining the eligibility for other aid. The Private Education Loan Applicant Self Certification form must be completed and submitted to the lender you select.

A list of potential lenders can be found by visiting www.elmselect.net, or you can perform a web search . Carefully, consider all your options and review terms and conditions before applying. Borrow only what is necessary to pay for your educational expenses (tuition, fees, supplies, room, board), and be sure to first apply for all federal (including federal loans), state, and institutional aid that you may qualify for through the FAFSA.

Rowe Fund for International Students
The Rowe Fund grants highly subsidized loans to qualified undergraduate and graduate students who are citizens from Latin America and Caribbean countries to help them finance their higher education or research at accredited institutions in the United States.

These loans are granted on the understanding that recipients agree to repay the loan in full and return to their home countries to apply their knowledge and training as well as continue to promote cultural exchange and development in the region. For more information visit www.oas.org.

Lending Principles Student Loan Code of Conduct
The University of Miami recognizes that ensuring the integrity of the student financial aid process is critical to providing fair and affordable access to higher education. The Student Loan code of Conduct is designed to avoid any potential for a conflict of interest between the University and its students or their parents, with respect to its interaction with student loan providers, servicers and guarantee agencies. The Code is found in the University’s General Business Policies, BSF-070, and may be accessed in its entirety by clicking here.