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Undergraduate Programs

First time freshmen, transfer students and students who wish to apply for associate or bachelor’s degree programs.


Graduate Programs

Students who wish to apply for master’s degree programs or advanced certifications.


Online Programs

Students who wish to apply for our online-only degree programs.

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There’s no better time than now to take the next step in your education. Request information for a Medaille College program below... 


Undergraduate Programs

First-time freshmen and transfer students looking for the full on-campus college experience.

Adult and Graduate Programs

Working professionals and adults who've been out of school for a while, looking to advance their careers.

Online Programs

Students looking to earn a degree entirely online.

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Undergraduate Programs

High school students and transfer students who want to enroll in day classes at the Buffalo campus.


Adult and Graduate Programs

Adult learners applying to our undergraduate or graduate degree programs at either our Buffalo or Rochester campuses.


Online Programs

Adult learners applying to our online undergraduate or graduate degree programs.

Alternative Loansnext

Alternative Loans

We strongly encourage students to explore all funding options—scholarships, grants, work study and federal loans—prior to applying for a private loan.

If you determine that an alternative loan option is the right choice for you, we encourage you to explore the loan programs to find the one that best suits your needs.

How they differ from federal loans:

·         These loans are not guaranteed. Both the student and co-signer (if needed) will be subject to a credit check.

 

·         Interest rates on these loans may be higher than the federal rate. There are several places to find the current rates for Prime, T-bill, LIBOR and the other instruments that lenders use to set their interest rates, but we suggest you bookmark www.bankrate.com. When you visit, there will be many indexes listed. The three main indexes for private loans are: Wall Street Journal (WSJ) Prime, 91Day T-bill, and the one-month LIBOR plus a certain percent.

 

·         There are no interest rate caps on these private loans, unlike federal loans. While alternative loans typically defer payments while you are in school and offer a grace period afterwards, interest continues to accrue during these time periods. Make sure to read and understand loan conditions and terms prior to signing the promissory note.

 

 

How to Apply for an Alternative Loan

To apply for an Alternative Loan, go to our Alternative Loans List. If you are approved through one of our alternative loans, we will certify the amount of loan that you are eligible for and transmit this information back to the lender for a final guarantee. Please understand that you have the right and ability to select the lender of your choice, are not required to use any of the lenders on our alternative loans list, and will suffer no penalty for choosing a lender that is not on our list

If an Alternative Loan is listed on your award letter in an offered status, it is only a recommended amount, and you must apply each school year and receive a credit approval to be eligible for the loan. Also, if there is a specific Alternative Loan lender listed on your award letter, it is the lender that you used in the past. However, you are free to use any lender you wish