The SunTrust student loan application is online and can be completed in as little as 15 minutes. If you're already set to go, you can compare loans and apply now >
Otherwise, in the following sections, you'll find the information you need to get started.
Before you apply, please have the following information ready
* This is the amount of grants, scholarships, work study and federal student loans (Direct Loan, Parent PLUS, Grad PLUS, Perkins, etc.) a family receives to fund a student's education for one academic year.
The following is approved documentation that may be requested as part of the loan application process. This documentation can be uploaded online or submitted by fax or mail. If any documentation is needed, they will be requested during the loan application process.
Here are the types of documentation that may be requested:
In order to validate information obtained during the loan approval process, a copy of one or more identification documents may be required:
Permanent residents must provide verification of residency and immigration status. All permanent residents must provide a copy of the most current Resident Alien Card, FORM I-551 (i.e. Green Card) showing permanent resident alien status of the United States or other United States Citizenship and Immigration Services (USCIS) documentation demonstrating the legal right to reside in the U.S. permanently.
Acceptable forms for permanent resident aliens include:
International students can apply for the Union Federal Private Student Loan but must apply with a cosigner who is a U.S. Citizen or permanent resident. During the application process, international students will be required to provide the following:
When applying for a SunTrust student loan, proof of income may be required. The type of income documentation required varies depending on the type of income. The following are some accepted documents that can be used for proof of income.
Wage and pension income verification documents
One of the following:
Other income verification documents
Only required when applicants choose to list this type of income within the loan application.
Miscellaneous income sources
Interest and dividends, notes receivable, installment sales and land contracts, trust, rental, capital gains, income from a foreign source.
Alimony, child support, or separate maintenance payments
For applicants who wish to have this considered for the loan application.
GI Bill income
Disability, worker's compensation benefits and public assistance (AFDC/TANF)
Applicant Self-Certification Form
A form required by the U.S. Department of Education and federal regulation. Students must sign and submit this form prior to receiving a private student loan. Information required on the form includes student's cost of attendance and estimated financial assistance. This form may also be referred to as a Borrower Self-Certification Form.
Payoff Documentation (only required for students opting to refinance student loans)
Applicants who request to refinance existing private student loans into their SunTrust private student loan will be required to provide a payoff statement as supporting documentation for each loan they are paying off; learn more about the In-School Refinance Option.
Important Information About These Products
Before applying for a private student loan, SunTrust recommends comparing all financial aid alternatives including grants, scholarships, and both federal and private student loans. View and compare the available features of SunTrust private student loans.
Union Federal is a federally registered trademark of Cognition Financial Corporation. Start Student Loan is a trademark of Cognition Financial Corporation. Both are used by SunTrust under license. Truist Financial Corporation (“SunTrust now Truist” or “Lender”) is the lender of these private student loans and they are not offered in connection with any other lender or the federal government. Cognition Financial Corporation is not an affiliate of Lender.
Certain restrictions and limitations may apply. Lender reserves the right to change or discontinue these programs without notice. These loan programs are subject to approval under the Lender’s credit policy and other criteria and may not be available in certain jurisdictions.
SunTrust explains how you can save money on college by making the most of financial aid.
Graduating with student loan debt? Here are some tips to help you manage the process.
It's crucial to discuss personal finance with college-bound kids.
This tool helps you to budget for living expenses for one year of college.
Determine the future cost of tuition based on the inflation rate you input.
For more details about Wire Transfers with SunTrust, call 800.947.3786.
SunTrust incoming wire instructions:
SunTrust incoming wire instructions are also available by calling 800.947.3786 - option 1
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Truist, SunTrust®, SunTrust PortfolioView, SunTrust Robinson Humphrey®, SunTrust Premier Program®, AMC Pinnacle®, AMC Premier®, Access 3®, Signature Advantage Brokerage, Custom Choice Loan®, SunTrust SummitView®, LightStream®, GFO Advisory Services®, BB&T®, BB&T Securities®, BB&T Sterling Advisors, Sterling Capital®, BB&T Investments, and BB&T Scott & Stringfellow® are service marks of Truist Financial Corporation. All rights reserved. All other trademarks are the property of their respective owners.
Services provided by the following affiliates of Truist Financial Corporation: Banking products and services, including loans and deposit accounts, are provided by SunTrust Bank and Branch Banking and Trust Company, both now Truist Bank, Member FDIC. Trust and investment management services are provided by SunTrust Bank and Branch Banking and Trust Company, both now Truist Bank, and SunTrust Delaware Trust Company. Securities, brokerage accounts and /or insurance (including annuities) are offered by SunTrust Investment Services, Inc. and BB&T Securities, LLC, P.J. Robb Variable Corp., and Precept Advisory Group, LLC, which are SEC registered broker-dealers, members FINRALink opens a new window, SIPCLink opens a new window, and a licensed insurance agency where applicable. Investment advisory services are offered by SunTrust Advisory Services, Inc., GFO Advisory Services, LLC, BB&T Securities, LLC, Sterling Capital Management, LLC, and BB&T Institutional Investment Advisors, Inc., each SEC registered investment advisers. BB&T Sterling Advisors, BB&T Investments and BB&T Scott & Stringfellow, are divisions of BB&T Securities, LLC. Mutual fund products are advised by Sterling Capital Management, LLC. Mortgage products and services are offered through SunTrust Mortgage, a tradename for SunTrust Bank now Truist Bank.
"SunTrust Advisors" may be officers and/or associated persons of the following affiliates of Truist Financial Corporation: SunTrust Bank now Truist Bank, our commercial bank, which provides banking, trust and asset management services; SunTrust Investment Services, Inc., a registered broker-dealer, which is a member of FINRALink opens a new window and SIPCLink opens a new window, and a licensed insurance agency, and which provides securities, annuities and life insurance products; SunTrust Advisory Services, Inc., a SEC registered investment adviser which provides Investment Advisory services.
SunTrust Private Wealth Management, International Wealth Management, GenSpring, Business Owner Specialty Group, Sports and Entertainment Group, and Legal and Medical Specialty Groups are marketing names used by SunTrust Bank now Truist Bank, SunTrust Investment Services, Inc., and SunTrust Advisory Services, Inc.
SunTrust Robinson Humphrey is the trade name for the corporate and investment banking services of Truist Financial Corporation and its subsidiaries, including SunTrust Robinson Humphrey, Inc., member FINRALink opens a new window and SIPCLink opens a new window.
Thank you for choosing SunTrust now Truist. We welcome the opportunity to serve your financial needs. While SunTrust and BB&T have merged to become Truist, both institutions will continue to offer independent product lines for a period of time. This may include differing underwriting guidelines, product features, terms, fees, and pricing.
Our friendly teammates at your local BB&T branches will be happy to walk you through their products. You can also learn more by contacting them at 1-800-BANK-BBT or BBT.com.