Federal subsidized and unsubsidized loans maintain low interest rates, and offer a great way to help offset the cost of your education.

Several federal and private loan options exist—some offer payment deferment plans, while others must be repaid upon graduation.

While considering your choices, we urge you to speak with our financial aid counselor to make sure you understand the terms and obligations attached to each.

Naomie Gantheir
212-463-0400 x 5140

Subsidized loans are need-based and available interest-free while borrowers are enrolled.  These loans are available for US citizens and are regulated by the US government.  A full description, the application, and more information is available at

Unsubsidized loans are not need-based, and interest accumulates on them as soon as they are initiated. 

Private/Alternative Loans

Private and alternative loans vary in annual loan limits, fees, credit requirements, and interest rates. They do not typically offer payment deferment plans, though it depends entirely on the lender.

We encourage you to contact us and speak with our financial aid counselor before pursuing a private loan.