Students who need additional funds for education, beyond what was awarded on their financial aid award letter, might consider an alternative (or private) student loan. These loans are private educational loans from a lender and are not guaranteed by the federal government. Approval of an alternative loan is based on creditworthiness. Most students will require a co-signer.

UW-La Crosse does not enter into preferred lender arrangements with specific lenders. Any lender who has had at least 3 students borrow from their alternative loan program is eligible to have their alternative loan listed on FASTChoice, the online tool available to UW-La Crosse students, and the lender is responsible for maintaining the information regarding their loan(s) on FASTChoice. 

Students may choose any lender for their private loans, even if that lender is not listed on FASTChoice.

Alternative loan programs currently listed on FASTChoice
Affinity PLUS Federal Credit Union
Altra Federal Credit Union
Charter One
Citizens One Student Loan 
Community First Credit Union
Discover Student Loans  
Minnesota SELF Loan (MN residents only)  
Royal Credit Union
Sallie Mae  
UW Credit Union 
Wells Fargo 

UW System Policy on Institutional and Employee Relationships with Educational Loan Lenders

Philosophies and Guidelines regarding Private Loan Preferred Lender Lists

1- The lenders and loan options presented in FASTChoice include lenders that at least 3 UW-La Crosse students have selected to borrow from in the last three years who still offer a private student loan. Lenders who meet the criteria are offered the option of having their loan(s) included in FASTChoice. 

2- Application processing will not be delayed unnecessarily if you choose a lender not presented in FASTChoice.