The decision of whether to participate in a particular loan program is at the discretion of each individual institution. Therefore, a school can choose not to participate in alternative student loan programs, therefore, they will not complete a request for school certification on an alternative student loan.Because the Cost of Attendance at community colleges is so low, many community colleges choose not to participate in alternative loan programs. Some even choose not to participate in the Stafford loan programs! This is a decision that the school has the authority to make.If you apply for a private loan that does not require school certification and where the funds are sent directly to you, then this would not be an issue. But keep in mind that most education loans require certification of enrollment and financial need.
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