We encourage you to search for and review other lenders to find the best rates available to you and your family. You are strongly advised to compare the benefits and costs of several private loan programs before you apply.

  • You may apply for a private loan without a co-signer, but in most cases a co-signer is required.

  • All applications consider an individual's credit standing.

The preferred lenders listed below have been researched by the university and are believed to provide favorable loan programs. There are no penalties if you select another lender. JWU uses the College Board’s lender score card as well as formal requests for information in regards to JWU specific programs during its evaluation process.

Loan Originator & Repayment Estimates


Required Self-Certification Form 


In 2010, the US Congress mandated that private loan lenders require borrowers to complete an Private Loan Self-Certification form when requesting any private educational loans.The intent is to assist students with a better understanding of cost of attendance, total financial aid and the gap between the two (as well as to make them aware of over-borrowing loan money).

Before disbursement of any private education loan can occur, this form must be completed and submitted to your lender. To do so, follow the instructions included on the form. 

Submit your completed and signed form (both pages) to your lender (via fax or mail); do not submit this form to Student Financial Services or Johnson & Wales University.


Preferred method is e-sign, will not accept faxes; must be mailed overnight to 2500 Lake Park Blvd, West Valle, UT 84120


Citizens Bank

Preferred method is e-sign and will accept document upload once the customer establishes online access.  Faxed forms can also be sent to 1-877-838-8644. 


College Ave Student Loans

The self-certification form is built into the loan application process.  Students will electronically sign when completing their application; therefore, no further action is required. 

Rhode Island Student Loan Authority

Preferred method is e-sign, will accept faxed form at 1-401-468-2196.


Sallie Mae

Will not accept faxes; preferred method is e-sign or upload form via Activity Center.


SunTrust Bank

Preferred method is upload via account login, will accept faxed form at 1-800-704-9408.

U-fi Student Loans

Preferred method is e-sign which is accepted during the application process, faxes and mail are not accepted.

Wells Fargo

Preferred method is e-sign, will accept faxed form at 1-800-456-0561


If you have an alternative lender, please contact that lender for submission instructions.

Code of Conduct for Education Loan Practices 

Johnson & Wales University's student loan practices focus on the best interest of borrowers.

The university has adopted the following Code of Conduct for Education Loan Practices requiring all university employees and agents to act lawfully, ethically, and with integrity and to avoid actual or potential conflicts of interest in connection with education loans made to prospective, current or former students and their families.