Student Freedom Loan Agreement Find out if you qualify for a loan built to fund your education (and financial future!) Applications are open. The SFLA is available to qualified HBCU students. Take 60 seconds to check your eligibility and secure your spot. Apply Now Your browser doesn’t support HTML5 video. applications are open The Student Freedom Loan Agreement is a new kind of financial tool — built to fund your education and position you to build long-term wealth after graduation. Submit your information below to check your eligibility. If you qualify, you’ll receive everything you need to move forward. Please submit your information by Jun 15, 2026. WHY CHOOSE THE SFLA? Equitable loan terms. No predatory rates. Terms designed around your outcomes, not a lender’s bottom line. Financial literacy education. Funding plus the tools to make the most of it — so you graduate ahead, not just out. Built for HBCU students with long term vision Designed specifically for the HBCU ecosystem. Not a generic product retrofitted for just anybody. Learn how to leverage debt to build wealth Getting you to graduation is just the start. The SFLA is structured to set you up for financial freedom beyond the four walls of the classroom. Apply Now Requirements for the SFLA Eligible Institutions: Attend an eligible institution. Check if your school is eligible here (hyperlink “here” to the list of eligible schools). Qualifying Major: Pursuing a major that is listed on the list of eligible majors per the respective school. FAFSA Status: Complete the FAFSA or an acceptable state aid application that is approved by the student’s school. Class Level: : Be classified as a junior or senior for the academic year being funded. Enrollment: : Be enrolled full-time for the semester of application. Exceptions may be granted for students in their final year who require less than full-time enrollment to complete their bachelor’s degree. Degree: Be pursuing a degree in an approved program at your school. See the list here (hyperlink to list of majors). GPA: Have a cumulative GPA of 3.0 or higher. Social Security: Have a valid Social Security Number. Citizenship Status: Be a U.S. citizen. International students or foreign exchange students on a non-immigrant visa are not eligible. Age: Be of the age of majority in their state of residence. Apply Now FAQS Does checking my eligibility affect my credit score? No. Checking your eligibility requires no credit check and has zero impact on your credit score. Is there a limit to how many students can receive funding? Yes, there is a cap on the total number of loans issued each year, as well as a limit on the number of applications accepted from any one school. Applicants are prioritized based on when they complete all required application steps. What happens after I submit my eligibility form? Once you submit, our team will review your information and follow up via email with your next steps. If you qualify, you’ll receive instructions to complete your full application. Is my information safe? Yes. Your personal information is secure and will never be sold or shared with third parties. We take your privacy seriously. What if I am not eligible? Are there other options? If you are not eligible for the SFLA, you may still have other options to explore. While approval is not guaranteed, we have a mission-aligned, strategic partner who may be able to assist you further. Please click here to learn more and see if your unique circumstances may qualify. Why are only bachelor’s degree programs eligible? Focusing on bachelor’s degree programs allows us to simplify eligibility and create a more consistent student experience. It also aligns with how we track enrollment and academic progress. This helps ensure accuracy and efficiency across the program. Student Freedom Initiative — Empowering students to finance college as well as teaching them how to build generational wealth.