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Student Loan Application

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TopPick Student Loan Application

Before completing any part of this application, please refer to the information page on the website at www.phef.org for qualifications, policies, and procedures.

Submit the application as soon as possible then submit other needed documents such as:

Entering freshman – a letter of acceptance, ACT/SAT scores, official high school transcript.

All other applicants – an official college transcript.

Written confirmation will be sent once your application has been received and reviewed.

The Loan Application Disclosures provide example terms for a $10,000 loan to an entering freshman receiving a four-year deferment. If approved, you will receive disclosures specific to your loan.

If you need assistance completing this application, please call us at (800) 864-8308, Ext. 102.

STUDENT BORROWER INFORMATION

(1) Full Legal Name (FIRST, MIDDLE (NO INITIALS), LAST, SUFFIX)

(2) Permanent Home Address

(3) City

(4) State

(5) ZIP Code

(6) Home Phone Number

(7) Social Security Number

(8) Date of Birth

(9) United States Citizen

(10) E-Mail Address

(11) Driver's License State

Driver's License Number

(Office use only)

(12) Name of College or University

(13) Classification During Loan Period

(14) College City

(15) College State

(16) Borrower's College Phone/Cell Number

(17) Proposed Major

(18) Proposed Occupation

(19) Estimated Graduation Date

(20) Borrower's high schools and colleges/universities attended, including present (attach separate sheet if necessary)

(21) Actual or anticipated graduation date

(22) LOAN AMOUNT REQUESTED (up to $10,000 for an academic year) $

(23) Actual Beginning Date of Loan Period

(24) Actual Ending Date of Loan Period

ENDORSER INFORMATION

(25) Full Legal Name (FIRST, MIDDLE (NO INITIALS), LAST, SUFFIX)

(26) Mailing Address

(27) City

(28) State

(29) ZIP Code

(30) Permanent Address (Enter if different than Item (26) - P.O. Box not acceptable)

(31) Home Phone Number

(32) Business/Work Phone Number

(33) E-Mail Address

(34) Social Security Number

(35) Date of Birth

(36) United States Citizen

(37) Relationship to Borrower

(38) Driver's License State

Driver's License Number

BORROWER AND ENDORSER AGREEMENT

Each of the undersigned solemnly affirms that all information provided in this application for a student loan is true and correct. The borrower certifies this loan is necessary for the borrower to attend the institution named on this application and agrees to the policies, qualifications, and requirements published by the Fund.

If a loan is granted, the borrower promises to use it only for necessary educational expenses, to answer all correspondence, keep the Fund advised of a current mailing address, and make payments according to the terms of the agreement.

Borrower authorizes the Fund to obtain consumer credit reports and to furnish information to credit reporting agencies and other persons who may legally receive such information. Borrower also authorizes the release of academic and/or financial aid records to the Fund.

The undersigned applicant acknowledges responsibility for Florida Documentary Stamp Tax if applicable, and understands that no loan disbursements will be made until any tax reimbursement amount due to the Fund has been paid.

Borrower's Full Legal Signature

Date

Endorser's Full Legal Signature

Date

IMPORTANT

Be sure to make a copy of your completed application for your records. To be considered for a student loan, you must return both pages of this application, fully completed and signed by both borrower and endorser.

Mail your application to: Pickett & Hatcher Educational Fund, Inc.
P.O. Box 8169
Columbus, Georgia 31908-8169

OR fax to: (706) 324-6788

Either mail OR fax the application to us as doing both will delay the processing of your application.

PRIVATE EDUCATION LOAN APPLICANT SELF-CERTIFICATION

Important: Pursuant to Section 155 of the Higher Education Act of 1965, as amended, and to satisfy the requirements of Section 128(e)(3) of the Truth in Lending Act, a lender must obtain a self-certification signed by the applicant before disbursing a private education loan.

Instructions: Before signing, carefully read the entire form, including the definitions and other information on the following page. Submit the signed form to your lender.

SECTION 1: NOTICES TO APPLICANT

Free or lower-cost Title IV federal, state, or school student financial aid may be available in place of, or in addition to, a private education loan.

A private education loan may reduce eligibility for free or lower-cost federal, state, or school student financial aid.

You are strongly encouraged to pursue the availability of free or lower-cost financial aid with the school’s financial aid office.

The financial information required to complete this form can be obtained from the school’s financial aid office.

SECTION 2: COST OF ATTENDANCE AND ESTIMATED FINANCIAL ASSISTANCE

A. Student’s cost of attendance for the period of enrollment covered by the loan

B. Estimated financial assistance for the period of enrollment covered by the loan

C. Difference between amounts A and B

SECTION 3: APPLICANT INFORMATION

Full Name and Address of School

Applicant Name (last, first, MI)

Date of Birth (mm/dd/yyyy)

Permanent Street Address

City, State, Zip Code

Area Code / Telephone Number Home

Other

E-mail Address

Period of Enrollment Covered by the Loan (mm/dd/yyyy) From to

If the student is not the applicant, provide the student’s name and date of birth.

Student Name (last, first, MI)

Student Date of Birth (mm/dd/yyyy)

SECTION 4: APPLICANT SIGNATURE

I certify that I have read and understood the notices in Section 1 and, that to the best of my knowledge, the information provided on this form is true and correct.

Signature of Applicant

Date

SECTION 5: DEFINITIONS

Cost of attendance is an estimate of tuition and fees, room and board, transportation, and other costs for the period of enrollment covered by the loan, as determined by the school.

Estimated financial assistance is all federal, state, institutional (school), private, and other sources of assistance used in determining eligibility for most Title IV student financial aid.

A lender is a private education lender as defined in Section 140 of the Truth in Lending Act.

A period of enrollment is the academic year, academic term, or the number of weeks of instructional time for which the applicant is requesting the loan.

A private education loan is a loan provided by a private education lender that is not a Title IV loan and that is issued expressly for postsecondary education expenses.

SECTION 6: PAPERWORK REDUCTION NOTICE

According to the Paperwork Reduction Act of 1995, no persons are required to respond to a collection of information unless it displays a currently valid OMB control number.

The valid OMB control number for this information collection is 1845-0101.

The time required to complete this information collection is estimated to average 0.25 hours (15 minutes) per response.

HEOA LOAN APPLICATION DISCLOSURES

Loan Interest Rates & Fees

Your interest rates will be 2.00% during Deferment and 6.00% during Repayment Period. These rates are fixed and will not increase or decrease.

Your maximum interest rate will be 6%.

Late Charge: During Deferment a $10 late charge for each past due payment. During Repayment Period a $20 late charge for each past due payment. Returned check charge: $30 for each returned check.

Loan Cost Example

The repayment example assumes that the full loan amount is disbursed at one time at the start of the first school year and that you remain in school 4 years maintaining allowable field of study requirements and necessary academic load.

Federal Loan Alternatives

Perkins, Stafford, and PLUS federal education loan options are listed on the disclosure pages with current interest rates by program type.

Next Steps

1. Find out about other loan options.

2. To apply for this loan, complete the application and the self-certification form.

REFERENCE NOTES

Disbursement of Loan Proceeds/Interest Accrual: Loan proceeds may be disbursed in more than one disbursement, but interest will only accrue on loan proceeds that are disbursed from the date disbursed.

Deferment: The term “Deferment” means the period of time from the date of the loan until the earlier of the date that is six months after the borrower ceases full-time enrollment or other defined conditions.

Repayment Period: The term “Repayment Period” means the period after the end of the Deferment period until the end of the Loan Term.

Eligibility Criteria: Borrower must be enrolled full-time at an eligible school and provide an acceptable endorser to the lender.

Bankruptcy Limitations: If you file for bankruptcy you may still be required to pay back this loan.

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What the Student Loan Application Covers

A Student Loan Application is the formal request used by an individual (and any cosigner) to obtain education financing from a lender or institutional loan servicer. The form collects borrower identity, enrollment and school details, requested loan amount, repayment preference and authorizations to verify income, assets, and academic status. For federal loans, the FAFSA and promissory note or master promissory note are parallel steps; private lenders use an application that may include a credit check and cosigner information. Accurate entries enable credit decisions and timely disbursement.

Why a Complete Application Matters

Completing the Student Loan Application accurately supports faster underwriting, correct interest and repayment terms, and prevents delays in disbursement or enrollment certification.

Why a Complete Application Matters

Who Completes and Reviews These Applications

The Student Loan Application involves borrowers, cosigners, and institutional or private lender reviewers.

  • Borrowers — Students or parents completing personal, financial, and enrollment fields for loan eligibility determination.
  • Cosigners — Individuals providing income, credit, and notarized signature when required by private lenders.
  • Loan officers — Lender or school financial aid staff who verify documents and authorize funding.

Each participant has distinct responsibilities; the lender or servicer makes the final credit and disbursement decision.

Core Sections of a Professional Student Loan Application

A clear application groups identity, financials, academic enrollment, loan request, authorizations, and signature blocks to reduce errors and speed review.

Borrower Identity

Full legal name, date of birth, Social Security number or TIN, contact phone, and permanent address for identity verification and credit checks.

Enrollment Details

School name, program, student ID, enrollment status and expected start/end dates to confirm eligible costs and disbursement timing.

Financial Information

Income, household size, assets, and existing debt that lenders use to assess repayment capacity and underwriting thresholds.

Loan Request

Requested loan type, principal amount, intended use (tuition, living expenses), desired repayment plan, and requested disbursement date.

Authorizations

Release and consent language allowing verification of income, credit reports, enrollment, and acceptance of electronic records where permitted.

Signatures

Borrower and cosigner signature blocks with date fields; include notarization instructions if the lender requires witness or notary verification.

Required Fields at a Glance

Full Legal Name: As on government ID
SSN or TIN: Nine digits required
Date of Birth: MM/DD/YYYY format
Current Address: Street, city, state, ZIP
School Enrollment: Institution name and student ID
Requested Amount: Numeric dollars only

Step-by-Step: Filling Out the Application

Follow these sequential steps to complete and submit a student loan application with supporting documentation.

  • 01
    Gather Documents: Collect ID, income proof, enrollment verification, and tax returns before starting.
  • 02
    Complete Sections: Enter identity, enrollment, financials, loan amount, and authorizations accurately.
  • 03
    Attach Files: Upload PDFs of pay stubs, ID, and school certification as requested.
  • 04
    Sign & Submit: Sign electronically or in ink per lender instructions and submit for review.

How to Customize and Complete the Application Online

Configure templates and authentication to match lender requirements and reduce signer friction for online submissions.

Field Configuration
Template Pre-fill repeat data and lock required fields
Conditional Fields Show cosigner section only when needed
Authentication Use email, SMS code, or knowledge-based checks
Audit Trail Enable detailed timestamps and IP logging

Where to Send the Completed Application

After signing, route the application according to the lender or school instructions to ensure proper receipt and processing.

  • Private Lender Portal: Upload to the lender's secure application portal per login instructions.
  • School Financial Aid Office: Submit certified enrollment forms and the application to the school's aid office if requested.
  • Loan Servicer: Send completed promissory note or servicing forms to the listed servicer for account setup.
  • Email Submission: Only use encrypted or lender-approved email channels when permitted.

Digital Submission and Sharing Options

Electronic completion is widely accepted; choose platforms that support secure upload, audit trails, and required authentication.

  • File Formats: PDF, DOCX accepted
  • Integrations: Connect with CRMs and cloud storage
  • Authentication: Email, SMS, or stronger options

Typical Timelines and Processing Expectations

Processing times depend on lender type and completeness; anticipate verification, credit checks, and disbursement scheduling steps.

Initial Review:

1–7 business days after complete submission

Underwriting Decision:

3–14 business days depending on verification needs

Promissory Note Execution:

Usually required before funds disburse; sign within lender timeframe

Disbursement to School:

Can take 3–10 business days after acceptance

Appeals or Corrections:

Allow additional 7–30 days for resubmitted information

Common Mistakes to Avoid

  • Entering abbreviated or inconsistent names that fail identity verification and delay processing by requiring additional documentation.
  • Omitting required attachments such as pay stubs or enrollment verification, which triggers manual follow-up and slower underwriting.
  • Submitting unsigned or partially signed prompts; unsigned promissory notes commonly block disbursement until corrected.
  • Selecting the wrong loan type or repayment option, which can lead to unexpected interest or ineligible disbursement uses.

Penalties and Risks of Inaccurate Applications

Application Denial: May result from incomplete or false information
Disbursement Delay: Missing docs pause funds release
Higher Interest: Cosigner absence or poor credit can raise rates
Default Risk: Incorrect repayment selection increases default exposure
Tax Consequences: Incorrect TIN may trigger backup withholding
Legal Enforcement: Signed notes are legally enforceable obligations

Supporting Documents to Include with the Application

Attach verifiable documents to reduce requests for additional information and speed underwriting decisions.

Proof of Identity

Government photo ID (passport or driver's license) scanned in color; required to verify name and date of birth.

Proof of Income

Recent pay stubs, W-2s, or tax returns to support repayment ability; self-employed applicants should provide 1099s or profit-and-loss statements.

Enrollment Verification

Official school letter or enrollment certification showing program, status, and expected enrollment dates for disbursement eligibility.

Cosigner Documentation

Cosigner ID, income verification, and signature page; notarization may be required by some private lenders.

Examples of Common Application Scenarios

Illustrative situations show how documents and steps differ by lender type or institutional process.

Private Lender Application

Borrower applies online with income and credit info

  • Cosigner required due to limited credit history
  • The lender requests notarized cosigner signature and completes a credit pull before approving and scheduling disbursement within business days.

University Loan Process

Student files school loan application plus enrollment verification

  • School confirms enrollment and eligibility
  • The financial aid office certifies the amount, and the promissory note is signed before funds are released to the bursar.

Practical Tips for Accurate, Efficient Completion

Follow these best practices to reduce processing time and avoid common rejections or conditions.

Prepare Documents Before Starting
Scan or photograph ID, pay stubs, tax forms, and enrollment letters in PDF format; ensure legibility and consistent names across documents to prevent identity mismatches and manual verification delays.
Use Correct Field Formats
Enter dates as MM/DD/YYYY, SSN as nine digits without dashes, and dollar amounts in whole dollars; formatting errors often trigger automated validation rejections and slow processing.
Read Authorization Language
Carefully review consent and credit authorization clauses. Declining required consents typically results in application denial or an inability to proceed with a credit decision.
Confirm Cosigner Steps Early
If a cosigner is needed, obtain their commitment, documents, and notarization instructions early to avoid underwriting delays once the application is under review.

eSignature Vendor Pricing and Feature Comparison for Application Workflows

Cost and feature differences affect how you collect and manage signed student loan documents; compare starting prices, bulk send, HIPAA support, and envelope limits.

signNow DocuSign Adobe Sign PandaDoc HelloSign
Starting Price $8/user/mo $15/user/mo $14/user/mo $19/user/mo $15/user/mo
Free Trial Yes, 7-day trial Yes Yes Yes Yes
Bulk Send Yes (premium) Yes Yes Yes No
Audit Trail Yes Yes Yes Yes Yes
HIPAA Compliant Yes Yes Yes No No
Envelope Cap No cap 100 envelopes/user/year Varies Varies Varies

Frequently Asked Questions About Student Loan Applications

Answers to common questions about documents, signatures, processing, and corrections for student loan applications.


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