Alternative Loans are recommended when scholarships and Federal Stafford Loans do not cover educational expenses. You have the option of choosing between a private loan and the Federal Graduate Plus Loan:

• Graduate PLUS Loan – Eligibility for this loan is determined, in part, by your personal credit history.  However, many students with limited or no credit history may qualify.
• Alternative Private Student Loan – Eligibility for all private loans depends on your personal credit history.  The University of Dayton has suggested lenders on their law student website. 

To be eligible for a Graduate PLUS Loan or an Alternative Private Student Loan, you must:

• Be enrolled at least half-time at an ABA-approved law school
• Be a U.S. citizen or an eligible non-citizen
• Maintain satisfactory credit history

If you plan to apply for an alternative loan, we encourage you to obtain a credit report at least six months prior to applying for such a loan in order to minimize delays.

For more information about these loans, visit the law student section of the University of Dayton Financial Aid website under "Alternative Loan Opportunities."