Private student loans and self certification

While looking at your financial aid award for the fall semester, you may find that you need to fill a funding gap with a private student loan. This year, there’s a new step in the private student loan application process: the self-certification form.

Private Education Loan Applicant Self-Certification (Click to open PDF* in a new window)A new federal law requires that you fill out this form before you can receive a private student loan. Since this step is new to first-time borrowers as well as those who’ve applied for private student loans in the past, let’s walk through the form and what’s required of you. Just click on the photo to bring up the full document (PDF).*

The form includes a number must reads for private student loans — particularly the notices in Section 1 and the definitions in Section 5. These are to make sure you know your borrowing options and the terms used throughout the document.

Section 2 is where you need to do a bit of work. This part of the form is where you verify the amount of money you need to cover your costs. You need to subtract your estimated financial assistance from the cost of attendance to see how much additional funds you may need to borrow.

Here are a couple things to remember as you fill out Section 2:

  • Your school’s financial aid office will be able provide your cost of attendance and estimated financial assistance.
  • The amount on Line B does NOT include the private student loan amount you are requesting.
  • Make sure you have the correct number on Line C (grab a calculator to be sure). The math has to be right for the form to be accepted.
  • Your requested private student loan amount shouldn’t exceed the amount on Line C.

If you’ve applied with Wells Fargo, you can access the form through Borrower Online Access. If you grab it here, the information in Section 3 will already be filled out for you. Once the form is complete you can fax it back to us at 1-800-456-0561.

Any questions on the self-certification process? We’re here to help!


* You will need Adobe® Reader® to view PDF files. Download Adobe Reader for free.

This entry was posted in Student loans and tagged , , , , . Bookmark the permalink.

111 Responses to Private student loans and self certification

  1. Kaylee G. says:

    I was wondering what to put on section 2 lines a and b for the private education loan self-certification form. The way that I understand it, the students cost of attendance is determined by their respective university or college as the difference between the actual cost of attendance (tuition and room and board) and the financial aid (scholarships and stafford loans) given by the school. But then what goes on line b if not the amount requested from private lenders?

    • Barbara says:

      Kaylee – You’re right in that the numbers you need to fill in lines a and b are determined by (and may be obtained from) the school’s financial aid office. The estimated financial assistance in line b is the total of your financial aid package at the school. It includes the federal and state aid you’re getting, any aid from the school or private scholarships or grants and other assistance. So if you were getting federal student loans, those would be included in the number the school gives you for this line. If you open the document in the post the second page has the official definition.

  2. Dan says:

    The self certification is missing from the loan status page I get through the BOA site, and the WF EFS rep we’re dealing with seems certain it should be there…..

    • Barbara says:

      Dan — If you haven’t already submitted the form it should be available for you to download through BOA. Would you email a bit more information (full name and application id #) through Ask the Expert on the right side of the page? That will help us look into the situation.

  3. Trina says:

    For the student’s cost of attendance, would that be the amount given to the student for his/her’s Fall semester bill? Also, should the student take out a loan EACH semester? Just so the student can take out what he/she actually needs?

    • Barbara says:

      Trinia – The cost of attendance is for the period of attendance, which could be the full year or the semester depending on how long you’re enrolled. For loans that are sent to the school, they will usually be divided and sent in two disbursements so you’re not paying interest on the full loan until you need it. Also remember that if you end up needing less that you’ve borrowed, you can pay back any portion of the loan funds.

  4. Britny G. says:

    When I applied for my private loan, I requested $10,000 because I wasn’t sure exactly how much I would need. But now, I able to view my bill, and find that I only need around $8,000. Is there any way that I can change the amount requested on my application, or will my amount be lowered when Wells Fargo certifies what I need with my school?

    • Barbara says:

      Britny – If your school certifies a lower amount than you’ve requested, we’ll drop the amount of the loan to what the school has certified. But if your school certifies the total $10,000 the amount will stay the same. You can also initiate the request to lower your amount to $8,000 – just give us a call.

  5. r neumann says:

    Where is the self-cerification form to be found in your wlls Fargo website?

    • Barbara says:

      Hi there – If you’ve applied with Wells Fargo you can download the self certification form by signing on to Borrower Online Access. This way some of the information is prefilled for you. This is the only way to download the form. Otherwise, one will be mailed to you during the application process.

  6. Grayson says:

    I’ve looked and I can’t find the form either.

  7. Lauren T says:

    I am looking to receive a private loan from you, but I am not sure how much to estimate to take out. I don’t want to request too much and get rejected. Is there a way to figure out an estimate?

  8. Winnie says:

    So just to get this correct, part A is asking for the “Student’s cost of attendance” which is basically the amount that it costs to go to that specific college without subtracting any aid and whatnot.
    Part B asks for the estimated financial assistance. This number is asking for the student’s cost of attendance SUBTRACT loans and cal grant aids?

    • Caroline says:

      @Winnie – Line B is asking for the total of all the federal loans, grants, scholarships, etc. that you’ve received. When you take the number on Line A (what it your school costs) and subtract Line B (what you’ve already borrowed and received in aid) they can see by Line C what you want to borrow in private student loans to cover the total cost. Does that help clarify? Your school’s financial aid office should be able to provide you with correct amount to enter on Line B.

  9. karen says:

    where can I down load the form for cosignor signauture after the lOAN has been approved

    • Caroline says:

      If you are referring to signing the LRCCA (Loan Request/Consumer Credit Agreement), you can go to and click on the ‘Sign your application’ link. You will need to authenticate with your SSN, Name and Application ID. Once you authenticate you will see your signing options and be able to select ‘download’ as an option. You will need to agree to the e-consent and review your Approval Disclosure prior to actually being able to download the LRCCA. Remember that the cosigner must sign the application in the same format as the student borrower, so if the student signs online the cosigner must as well and if the borrower physically signs a piece of paper the cosigner must as well.

  10. Kellie says:

    I am having the same problem that other individuals are expressing in this forum.

    The Self-Certification PDF link is no longer available on my borrower homepage. And by “no longer available,” I mean that the link is *completely and utterly gone*.

    Last evening, I clicked the link to view the document and familiarize myself with it. This morning, it is nowhere to be found.

    Will this issue be rectified? In the meantime, can a loan specialist e-mail me a new link?

    Please advise. Thank you.

    • Barbara says:

      We recently made a change to remove the Self Certification form from Borrower Online Access (BOA). We still require the form but we won’t ask for it until the loan is Conditionally Approved (all other stipulations are cleared) and we ask for your signature on the LRCCA. At this time you will see it on BOA and be able to download it.

  11. Laura says:

    I have applied for the student loan and would like to fill out this form. When I put my information in to sign up for a user name and password it says my information is not in the system. I’ve already received a confirmation email that they have received my application. What can I do?

    • Barbara says:

      Laura – If you’re having issues setting up an account please call one of our representatives at 877-412-5321 and they can look into the problem and get you set up to view your loan application through Borrower Online Access (BOA).

  12. Nikki says:

    I applied and now am just waiting for my school to certify the amount I need. But if I’m certified for more than my past due balance will my school give me the money back or what happens with the extra?

    • Barbara says:

      Nikki – You’d have to check with your school to see what would happen with any extra funds. They may apply them to any current charges or refund the money directly to you. Also remember if you don’t need all the funds you’re certified for, you aren’t required to take the full amount of the loan.

  13. Dawn says:

    I applied for a private loan for my daugher. She is 21 and has been recieving the mail from the school and not sharing it with me. I was quite surprised when time to go back to school (senior year) she tells me she owes $8,000.00 for the past school year. I requsted a private loan for $10,000.00. $ 8,000.00 for the previous year and $2,000.00 towards this year. She is recieving $7,500.00 in Direct Loans for this coming year. How do I fill out this certification form? Since some is for last year and some is for this year? Will this effect her Direct Loans for this year? Very confused.

    • Barbara says:

      Dawn – I sent you an email as well. I talked with some of our folks who deal with the form and they’d like to look at the details of your application, since past due is a different situation. Would you email us through Ask the Expert with your full name and application ID so we can look into this for you?

  14. Ms Polk says:

    Does the self certification mean that the school does not have to certify the loan?

    • Barbara says:

      Ms. Polk – the self certification is an additional form required for all private student loans, those that are certified by the school and those that aren’t. So, if you’re applying for a certified private student loan, the school will still certify the amount and you will submit the Self Certification Form.

  15. Dawnette says:

    My son has a private collegate loan for $10,000.00. Wondering if there is a penalty for paying the interest off each month, and does it make sense to do that.

    • Barbara says:

      Dawnette – Student loans generally don’t have a prepayment penalty, and paying of the interest that accrues each month is a smart decision if you are able to do so. It means that the interest the loan is accruing won’t be capitalized (added to the principal balance) when your son enters repayment. It can save you money over the life of the loan to make payments now rather than waiting until the loan enters repayment.

  16. Tom says:

    So I went through the application process and I brought up the the self-cert form but forgot to save it then and there. The pdf opened a new window which was closed when I finished my application. My application is pending but there is no way for me to go back to get the self-cert form, since it only comes up at the end of the application. Is there anyway I can get the form at this stage? Since it is very necessary for the loan to continue.

    • Barbara says:

      Tom – we made some changes to the process, so if you don’t download the form during the application you’ll be able to access it again through Borrower Online Access (BOA) once your loan is Conditionally Approved (all other stipulations are cleared) and we ask for your signature on the LRCCA. At this time you will see it on BOA and be able to download it.

  17. Kristina says:

    What if I have an outstanding balance from a previous term? Can I use the loan that I am currently applying for to cover that in addition to the cost of attendance for my current enrollment?

    • Barbara says:

      Kristina – When you’re borrowing for a previous term it’s a bit of a different situation depending on what kind of loan you are applying for. For certified private student loans sometimes schools will certify the entire amount for your current and past term but others would require you to take out separate loans for each. Have you talked with your school’s financial aid office about your plans to cover your previous term’s costs?

  18. Rose says:

    If you are applying for a non-certified loan, can you still receive more than what is in line C or is that all Wells Fargo will loan you? My COA is more than what my school says because my husband is disabled and can’t work, and this is why we need the extra loan. Also, should I put in the COA provided by my school or what I have determined it is because of my special situation?

    • Barbara says:

      Rose – the maximum amount we can lend for any loan, school certified or not, is the amount that is on line C of your self-certification form. The form directions ask you to use a number provided by your school for the Cost of Attendance. If you’re finding that the amount you believe you need differs from your COA, you should talk with your financial aid office about your situation to see if they would adjust your COA.

  19. Pam says:

    Please give me some direction here. I am an older adult trying so very hard to go back to school for a RN degree. Life has dealth some blows and I now have extremely bad credit. My dad is so wonderful to offer to co-sign a loan. What I need after many errors is a non-certified direct student loan. I still have a child starting high school and with bills I am needing a loan for living expenses on top of tuition, books, etc.

    Could you give me some suggestions???

    • Barbara says:

      Pam – are you planning to attend at least half time? If so, you may want to consider federal student aid through filing the FAFSA. Those types of aid generally do not take your credit into consideration. If you need a private student loan to cover costs, there are options for you to have a cosigner. However, you’d need to apply to see if you qualify with a cosigner. Otherwise Wells Fargo does have an option for a parent or sponsor to borrow funds in their own name to pay for a student’s education. Check that out here:

  20. Nate says:

    Can you post a link with the actual Self Certification form that we need to send in?

    • Barbara says:

      Hi Nate – We want to make sure that you have as much of the information on the form prefilled as possible, that’s why we ask that you download the form through Borrower Online Access.

  21. sara says:

    I just finished with my application and saved it. All I need is for my cosigner to fill their part but when I tried to retrieve my application, the system stated that my application isn’t found. I got the application number…what should i do or who should i contract?

  22. Fanta says:

    I need to borrow a small amount student private loan, because I need a laptop for school. Would this money go to the school or me?

    • Barbara says:

      Fanta – it depends on what kind of loan you choose. Non-certified loans are typically disbursed directly to the student, but if your laptop is included in your cost of education set by the school, you may be better off choosing a certified loan which is disbursed directly to the school. They tend to have better terms than non-certified loans.

  23. Cary says:

    My aunt just recently chose to help me out with a loan for school. So we chose the wells fargo parent loan for parents or sponsors…my first question is who signs the self certification ( i wasn’t sure what to do considering most of the information refers to the applicant, my aunt, but wants information regarding my school. Second question is the application requires a co-signer, does the cosigner need to sign a self certification form as well??

    • Barbara says:

      Hey Cary – Awesome that your aunt is helping you pay for school! Since she is the primary borrower she will complete the self certification form. The cosigner won’t need to complete that piece of information as well, just your aunt.

  24. Julia says:

    I signed my promissory note/ consumer credit agreement, but I wasn’t able to print them off with the self-certification form on one of my computers, so I logged it off of the one I was on and went to another computer and couldn’t get to the files I needed. I know that I am supposed to go to BOA, but I don’t know whether I should create an account or not, because I already have a wells fargo account that is not attached to my loan. What do I do? How do I get to the files I need? HELP!!!!

  25. Julia says:

    I electronically signed my Promissory note, but I wasn’t able to print it from my laptop, so I closed the page to pull it up on my Mom’s desktop, but I couldn’t get to the file. I know that I am supposed to go to the BOA to get it back, but it wants me to log in. I have an existing bank account with Wells Fargo, but my loan isn’t attached to my bank account. Is my bank account the same as a BOA account? If so is there a way to attach my loan to it? Do I have to make a new account to access my information? How do I access it on BOA? HELP!!!!!

    • Caroline says:

      You need to log in as a new user to BOA; your bank account is not the same thing. BOA is a tool that allows you to check the status of the student loan application in progress. However, when you log back into BOA, your e-signed page will not be presented again. You will need to call Wells Fargo to have a copy of the e-signed note sent out

      Once your loan funds have been disbursed, if you bank online, it will be listed along with all your other Wells Fargo accounts, and you will be able to keep track of it that way.

  26. Malik says:

    Where do I Mail this letter too I dont know who my lender is

    • Barbara says:

      Malik – your lender will request the Self-Certification form during the application process. If you’ve applied for a private student loan with a lender, they’ll provide instructions and the form to complete.

  27. Asya says:

    I was filling out a loan application but did not have a chance to download the self certification form before my browser accidentaly closed. I tried looking for one through BOA but cannot find a link. What should I do?

    • Barbara says:

      Hi Asya – If you weren’t able to get the file after your application it will be available in BOA once you’ve completed a couple other necessary steps.

  28. Kevin says:

    I am in medical school and need this loan because financial aid is not available over the summer (we have summer off). However, I have to for pay living expenses while I shadow physicians and also for medical spanish classes that I will be taking. There technically isn’t a “cost of attendance” for the summer and no “estimated financial assistance” either. What do you suggest I fill in for lines A-C?

    • Caroline says:

      Hi Kevin – thanks for your question. You’ll need to contact your school’s financial aid office regarding your self-certification form. They can help you determine the appropriate answers for each line.

  29. alyssa says:

    I requested a student loan through wells fargo and am awaiting for the school to verify the amount. If the school verifies the full amount, can I still decide to lower my loan amount if I realize that I’ve requested too much? If so, how does the process work?

    • Barbara says:

      Alyssa – you can absolutely reduce the amount if you decide you don’t want to borrow that much. You’ll just need to let us know how much you’d like to borrow. You can do that by calling and talking with one of our representatives. Good deal that you’re thinking about how much you need not just what you’ve been approved for! Borrowing only what you need can be a big help when it comes time to pay your loans back.

  30. kady says:

    hi I’ve been approved for an education connection loan and it’s scheduled disbursement date was the 25th. I’m just wondering how long it typically takes to get to the student after it’s status reaches Disbursed. Any answers would be much appreciated.

    • Barbara says:

      Hi kady – the disbursement date is when the check is actually mailed for that type of loan, so it should get to you within the standard mailing time – between three to five days. Thanks for checking.

  31. Stacey says:

    I can’t find the form anywhere on the BOA, and it hasn’t come as an attachment in any emails, is there another place I can download it and fill it out? Thanks

    • Barbara says:

      @ Stacey and Derek – Unfortunately there was a technology glitch that we’re in the process of fixing. It’s set to be resolved by next week, however, in the meantime should you need to get the form give us a call and one of our representatives can get it to you: 1-877-412-5321

  32. Maria says:

    Hi, I am wondering if Wells Fargo or BOA or anybody will lend money for living expenses. I get less than $3000 each semester. This is not enough to live on in San Diego for 4.5 months. I am 50 yrs old with a credit score of 766 and have borrowed 16% of my “available” credit. My school will not increase the COA. Any suggestion other than a private signature loan?

    • Barbara says:

      @Maria – Wells Fargo does offer private student loans. You can see what options would meet your needs at Have you already looked into federal student aid and scholarships and grants? If you’re not interested in a private student loan, you could consider other consumer credit options like home equity, personal loan, credit card, etc. depending on assets to cover the remainder of your costs.

  33. Derek says:

    I log into the BOA and it says I need to download and complete the Self-Certification yet there is absolutely no link for it. What am I doing wrong?

  34. Jules May says:

    I want to take out a private loan for the Summer 2011 term. I received the maximum award (12,500) for Fall 2010 and Spring 2011. Do I need to report $12,500 on the estimated financial assistance line for the summer term?

    • Barbara says:

      @ Jules – Check with your school to see what information you’ll need to include for the loan you’re using to cover your summer costs. They’ll be able to clarify what amount you should list for your summer financial assistance.

  35. Chelsie says:

    I’ve been told by a phone rep that I need to complete the self-certification form. However, there is no link to the form on my BOA page and none has been received in the post mail. Help please?

    • Barbara says:

      Chelsie – when it’s time to complete the form, a link will appear in BOA. There are a couple things that are required before you fill out that form. If you want to check on what needs to be completed give us a call and we’ll be able to check what is outstanding on your application.

  36. Wendy Westadt says:

    I am taking out a parent loan for my son. He is not eligible this year for federal aid because he does not have enough credits. He will be attending full time and will be living off campus. If I go to the school to get the cost of attendance it will not include the housing, food, etc. Am I understanding correctly that since this is a uncertified parent student loan, it is me that comes up with the cost of attendance without the school or do I need to contact the school? Am I understanding it correctly that the parent loan is not school certified and the funds come directly to me, the parent?

    • Barbara says:

      Hi Wendy – Yes you are correct that the Wells Fargo private student loan for parents is not school certified and the money will come directly to the borrower. You will, however, need to fill out the self certification form with the total cost of attendance you get from the school – they’ll be able to provide the numbers you need for the form. That number does take into consideration room and board as well as tuition.

  37. Andrea says:

    I applied for an education connection loan with Wells fargo and I was denied, I have a cosigner with really good credit, but It didn’t give me the option to apply with them, am I doing something wrong?

  38. Kerry Morgan says:

    Same problem as everyone else. Forms ARE NOT avalible to print and sign!!!! Check other pdf on your site and they work fine. When I click on the forms only brings up blank page. Never loads the pdf!!!!!!

  39. Kristine says:

    My printer quit working mid way through printing off the self certification form. I found the same form on a different website and printed it at a friends house. I filled out all the information and included my application number and also faxed to the right number. Will they still accept this form since it isn’t the exact one that was printing out? Also what happens now that I faxed the self certification form? How long will it take Wells Fargo to send the school the money I was approved for?

  40. Maryanna says:

    I need help with your self certification loan services and a loan for my school. Is there anyone that can call me right away?
    I have called Wells fargo and I was tossed around and nobody knew what I was talking about.
    Who can I speak with? Can you e-mail me a number with a person who knows what this is?

  41. Nate says:

    My school does not participate in private student loans in anyway. Are there any options for me to fill funding gaps when federal stafford loans have be exhausted?

    • Katie says:

      Hey Nate, I would recommend contacting your school’s Financial Aid Office for scholarships, Pell Grants or work study programs that may be available.

  42. Damien Rees says:

    I was approved for a self-certified student Education Connection loan. Disbursement is today. Will the check be mailed directly to me or the school?

    • Nancy says:

      Hey Damien -Would you shoot us an email through Ask the Expert (the links on the right hand side of the page) and someone can get back in touch regarding this matter as it depends on the school you are attending and how they have asked to be set up for these funds?

  43. Jazmine says:

    Quick question i applied for a loan for 13500. I was wondering will it be split between fall and spring or will I receive it all in my fall semester after being disbursed to my school.

    • Nancy says:

      Jazmine, we would love to help you out but we will need some more information. Could you please give us a call at 1-800-658-3567or shoot us an email at and click “Contact Us” so we can pull your account details? From there we will be able to confirm your disbursement dates. Thanks!

  44. sherry says:

    I am a high school student who is spending 12th grade at a community college. I have no other classes to take so they recommended I do this. I am not eligible for financial aid loans because I am still in high school. I am a full time college student with 16 credits, am I eligible for a private student loan to pay tuition?

    • Nancy says:

      Sherry, that is a good question. To answer this question will need some more information so could you please contact us at 1-800-658-3567 so we can better understand your situation? From there we will be able to see if there are any other options for you. Thanks, and looking forward to hearing from you!

  45. Jennifer says:

    I took out $10,000 my first year of college, and now Im planning on transferring to another school for my second year of college. Will I need to start paying back my loan given the fact I will no longer be attending the school I attended to for my first year?

    • Dana says:

      Hey Jennifer – Congratulations on furthering your education. If your loan is with Wells Fargo, can you please contact us at 1-800-658-3567 or shoot as an email at and click “Contact Us” so we can pull your account details to better understand your situation and see what options are available to you ?

  46. Jasmine says:

    Does Wells Fargo still offer the Education Connection student loan?

    • Dana says:

      Jasmine – Wells Fargo Education Financial Services no longer offers the Education Connection loan. We do have other options that may fit your needs. Would you please contact us at 1-800-658-3567 so we can better understand your situation? From there we will be able to see if there are any other options for you.

  47. Sue says:

    I was told that my cosigner for my student loan could download the signature form at and then type in cosigner. This does not exist. How can I download the official d=form to be signed and then faxed to you?

  48. call memo says:

    I was laid off last week and filed for NJ unemployment benefits. My former HR interviewed me for position that had late shift hours only. I attend school at night …am I required to take the later shift position?

  49. Katie says:

    How do I purchase a laptop using my student loan?

    • Dana says:

      Hey Katie, it depends on what kind of student loan you have. If you talk with your student loan provider, they will be able to review your loan and provide an answer for you.

  50. Laticia says:

    Hey, I applied for a student loan last month and this month, June i received a letter stating the school section is missing or invalid. However, on my school financial aid website it states that they received/satisfied my wells fargo loan. I am wondering what going on.

  51. Babajide says:

    Hi. My Wells fargo Graduate Student loan has been approved and scheduled for disbursement. I want to know if there is anyway the loan amount can be adjusted/increased. If Yes, what are the procedures. Otherwise, how can I can access extra funds on my approved loan amount. Thank you

  52. Charity says:

    I have been approved for the career and community college loan with a co signer, but my school will not certify the loan, they aren’t taking my COA into account at all with this situation, and say that all they can certify is the amount that I owe them not anything extra, I am in nursing school with allot of extra associated expenses for travel to clinical sites and I am a traditional student with a car payment, insurance, all the normal bills of an adult, plus I’ve been working full time the whole first year (I’m in a 2 yr program) but it’s getting to be too much for me so I thought taking out this loan would help my financial burden while I’m in school until I finish, I only have one year left. Any suggestions? (my fin. Aid office is not very helpful or nice and they have never had to deal with a private student loan before)

  53. Cindy says:

    This summer is the first time i have ever applied to a private loan. My home institution said that I don’t qualify for financial aid because I was not enrolled in the school this past school year. I only need 2 more classes to finish my undergraduate degree and so i enrolled in another institution. My question is do i qualify for a wells fargo loan with the other institution? I’m so close to receiving my degree, but this financial barrier is getting me really stressed. Any help would be greatly appreciated!!!

  54. Annette says:

    I called Wells Fargo concerning my student loan payment. I was told I can log onto my student loan account but when I try it ask me about my credit card information. I want to pay my loan on line, but cannot. When I do enter the information on line for my credit card my student loan information is no where to be found. I have called and same response. I just want to make a payment. Help!

    • studentloandown says:

      Hello Annette, Would you please contact us at 1-800-658-3567 or shoot us an email at and click “Contact Us.” We can pull up your account and verify that you have the correct information to log onto your student loan and walk you through the process.

  55. Cajun says:

    I have a friend that applied for a Parent student loan. The WF site it is all done but the final review? What does this process involve? .Also, ado they contact the school? If so, and my amount is wrong ,does it get adjusted automatically or does my sponsors’ loan get rejected?

  56. Brook says:

    I made a loan for a frown and have been waiting on the final approval! What does that process involve. If there happened to be a mistake on the amount will it automatically be adjusted or will I be rejected ?

  57. Samin says:


    My application has just been conditionally approved and all I need to do is sign and fax the remaining documents to Wells Fargo. But unfortunately I am unable to find the Loan Request/Consumer Credit Agreement. When I log into BOA, there is no download option to acquire the Loan Request/Consumer Credit Agreement. Where else can I find this document? Thanks.

  58. Elijah says:

    Last semester I was approved for student loan with a cosigner (with good credit). When applying this semester I got denied before cosigner even had a chance to put down information. I know my credits poor and I missed a credit card payment (which I recently paid in full). Does this mean I have no chance for a loan this semester?

    • Gaby, Student Loan Consultant for Wells Fargo says:

      Elijah- If you have paid off what was negatively affecting your credit information, you may be able to send an updated Credit Report or a letter stating the balance has been paid to the lender and see if the denial decision can be re-evaluated.

  59. Eric says:

    For those of you who can’t seem to get the self-certification form to download. Here is the government link to download the form:

    Hope this helps!

  60. Abby says:

    I’m currently trying to fill out my loan and I need to fill out my LRCCA. The link isn’t on my application status page any more. I previously opened it and still have it in adobe reader, but I printed it out and it was blank so I hand wrote everything in. I need to send it with the prefilled information on it but mine doesn’t show any information and prints blank. When it is open in adobe reader it only shows information if I click on that box but it will only show one at a time. What do I do?

  61. Lauren says:

    How do I lower my requested loan amount after I already submitted the application and had my cosigner send in their application?

The Student LoanDown

Leave a comment

Your email address will not be published.

Your questions and comments really matter to us! We're glad you want to join the conversation and connect with other readers. All we ask is that you keep some simple guidelines in mind:

  • Stay on-topic. Only comments that are related to the subject of the blog entry will be posted.
  • Be respectful. It's okay if you disagree with a post or comment, but please, no personal attacks or offensive language.
  • Maintain your privacy and confidentiality.Please do not provide any of your specific account details or other personal information! If you have immediate service needs, please contact your bank representative or Customer Service.
  • Wells Fargo team members: In the interest of full disclosure, if you are a current employee of or are associated with Wells Fargo, please make note of your affiliation.