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Take Control of Your Future

Say goodbye to the stress and anxiety of traditional student loans and hello to a brighter, more affordable future.

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affordable

We know making student loan payments can be a challenge. With Student Freedom Agreement, repayment amounts adjust to your post-grad income. This means no challenges making payments.

Accessible

We believe that access to education should not be limited by finances. With Student Freedom Agreement, you can apply without a co-signer or a credit check.

Stem-focused

Student Freedom Agreement is designed for STEM majors at MSIs to get you the funding and support you need.

How it works

Payments made easy.
Customized to your needs.

Get up to $20,000 annually for school without a co-signer or credit check. Eligibility requirements apply, including being enrolled full-time at a participating Student Freedom Initiative partner school and meeting academic progress standards.
Our online application process is simple and straightforward, and our team of experts is always available to help you through the process.
NMLS ID 24711270 – click on link to verify license status: Consumer Access (nmlsconsumeraccess.org)

see if you qualify

To see if your school is a participating SFA school, please select from the drop-down menu below and begin the application process.

Focus on Graduation, Not Loans

Payments are affordable, with options for as little as $0 per month when your income falls below the threshold. When your income goes above the threshold, you’ll pay a fixed percentage of your income.

Pay it Forward

Your obligation is limited to twenty years of payments and can be discharged in bankruptcy. Plus, your payments help fund future students’ education.

Apply in Minutes

Our online application process is simple and straightforward, and our team of experts is always available to help you through the process.

Frequently Asked Questions

What is the Student Freedom Agreement?
Who can apply for Student Freedom Agreement?
Can parents or guardians apply for the Student Freedom Agreement for their student?
Where can eligible students apply for the Student Freedom Agreement?
Are Freshman and Sophomore students eligible to apply for a Student Freedom Agreement?
Why is funding for the Student Freedom Agreement only available to STEM majors?
What are the steps in completing the Student Freedom Agreement application?
How long does it take to find out if a student is qualified for funding through a Student Freedom Agreement?
How will students be notified of approval for the Student Freedom Agreement?
How will students be notified that they have been approved for funding under the Student Freedom Agreement?
I’ve signed up for the Student Freedom Agreement, how long until I get my money?
How much money can I get?
Can I spend the money on anything?
I have questions that were not answered by this page. How can I learn more?

Participating SFA Schools