ByHigher education doesn’t always follow a straight path. For many adult learners and non-traditional students, pursuing education and skills training outside of a degree program opens new doors. These students, often known as non-degree seeking students, could be taking a path to enrich personal growth, advance their career, or explore new skills.
But here’s the big question—can you get student loans for non-degree programs? The answer is not as straightforward as you might hope. Financing options for this type of education do exist, but they require a different approach than traditional degree programs.
This guide will break down the eligibility criteria, loan options, and practical steps you can take to access financial aid as a non-degree seeking student.
Understanding Federal and Private Student Loans for Non-Degree Programs
Federal Loans for Non-Degree Students
Federal student loans are a powerful tool for many students, providing low-interest rates and flexible repayment terms. However, eligibility for federal loans as a non-degree seeking student can be tricky. To qualify, your program must lead to a recognized credential—such as a certificate—or be a prerequisite for a degree program you plan to enroll in later.
For example, if you’re taking a certificate course in data analytics or completing prerequisites for a medical degree, you might be eligible for federal Direct Subsidized or Unsubsidized Loans. But if you’re simply taking individual classes for personal enrichment, federal student loan eligibility may not apply.
Pro Tip: If you’re unsure, check with your prospective school’s financial aid office to confirm whether a non-degree program is approved for federal loans.
Private Loans for Non-Degree Students
Private lenders, such as banks or credit unions, may offer loans to non-degree seeking students, often with fewer restrictions than federal options. These loans can cover a wide variety of programs, from technical certifications to coding bootcamps.
However, private loans come with higher interest rates and fewer borrower protections than federal loans. They may also require a cosigner, especially for students with limited credit history.
Federal vs. Private Loans
Before deciding which route to take, weigh the pros and cons:
- Federal Loans
- Lower interest rates
- Flexible repayment options
- Limited eligibility for non-degree programs
- Private Loans
- Fewer restrictions on program types
- Higher interest rates
- Fewer repayment protections
Steps to Apply for Student Loans as a Non-Degree Seeking Student
Step 1. Fill Out the FAFSA (Free Application for Federal Student Aid)
If you’re pursuing a program that qualifies for federal loans, your first step is to complete the FAFSA. This application determines your eligibility for federal loans and grants.
- Visit FAFSA.gov to start your application.
- Include your school’s federal code to ensure they receive your information.
Reminder: You’ll need to be officially enrolled in a financial aid-eligible program to receive federal funds.
Step 2. Research and Apply for Private Loans
If federal aid isn’t an option, explore private loans tailored to non-traditional educational paths. Look for lenders that work with adults pursuing professional certificates, online courses, or short-term programs.
- Compare interest rates, repayment terms, and conditions from multiple lenders.
- Prepare necessary documents, such as proof of enrollment and credit history.
Step 3. Maximize Financial Aid
Don’t overlook scholarships, grants, and employer tuition assistance programs that can significantly reduce your out-of-pocket costs. Organizations like the American Association of University Women (AAUW) or industry-specific groups often offer financial aid for non-traditional learners.
Managing Student Loan Debt for Non-Degree Students
Reduce Costs
- Consider attending a community college or local technical school to save on tuition.
- Look for affordable online programs with payment plan options.
Budget and Plan
- Track your expenses closely while in school to avoid overborrowing.
- Create a realistic monthly budget that accounts for tuition, living expenses, and repayment amounts.
Loan Repayment Strategies
Once you complete your program, repayment becomes a critical focus. Federal loans offer income-driven repayment plans and options for deferment or forbearance if you face financial hardship. While private loans lack these flexible terms, some lenders may offer temporary relief programs—contact them directly to see what’s available.
If you plan to continue your education and transition to a degree program, you may also qualify for consolidation or forgiveness programs down the line.
Resources and Tools for Non-Degree Students Seeking Financial Aid
Navigating financial aid as a non-degree seeking student can feel overwhelming without the right support. Use these resources to guide your journey:
- FAFSA: Apply for federal aid and explore eligibility guidelines.
- College Scorecard: Compare schools, tuition costs, and program offerings.
- Scholarship America: Find scholarships tailored to non-degree students.
- Employer Tuition Assistance: Many companies offer financial support for job-related certifications.
Curious about which tools are right for you? Your school’s financial aid office is a great place to start for personalized advice.
Unlock Your Potential with the Right Financial Support
Pursuing education doesn’t always mean earning a degree—it can mean advancing your career, exploring a passion, or gaining skills to achieve your goals. With options like federal loans, private lenders, and scholarships, financing your non-degree education is possible as long as you know where to look.
Take the first step today—whether it’s filling out the FAFSA, researching private loans, or seeking advice from your school’s financial aid office. Your educational goals are worth it, and the right financial support can turn them into a reality.
If you have additional questions or need personalized advice, don’t hesitate to contact a financial aid advisor who can help guide your steps toward success.
