About Student Loans

NOBTS does not offer a loan program through our institution, but we do work with independent financial institutions that offer educational loans.  Important:  NOBTS does not accept any Federal loans including Stafford loans and Pell grants. 

 

You may apply with the bank that you currently use or any other loan lender as long as you are applying for a Signature loan.  Below are a few links that our students have found helpful in looking for information about educational loans.

Wachovia Student Loans

Citibank Student Loans

Another helpful tool available through Citibank is their Financial Literacy Program.  Click the link below to gain access to resources such as: interactive online lessons; savings, loans, and retirement calculators; and links to many other helpful websites.

Citibank Financial Literacy Program

Loan Process
  1. You apply for an educational loan through your chosen lender.
  2. The lender checks your credit and either approves or denies your loan application.
  3. If your application is approved, the lender sends the Financial Aid Director a request to certify the loan.  The Director may contact the student if there are any questions or concerns regarding the amount of the loan requested. 
  4. Once the Director certifies the loan, the lender will mail the loan check directly to NOBTS. 
  5. We will contact the student to endorse the check and it will then be deposited into the student’s NOBTS account.
  6. If the loan creates a credit on the NOBTS account, the student can contact the Financial Aid Office to request a check for some or all of the credit.

The Director must certify that the loan is for educational purposes only.  Educational purposes may include: tuition, fees, books, and some living or commuting expenses.

Loan payments can be deferred as long as you are a full-time student, but the interest on the loans start accruing immediately.  For this reason, the Director advises each student to take out the lowest amount possible for either a semester or a year at the most rather than a large amount to cover your entire time at NOBTS.

Information on Educational Loans through Private Organizations 

Loan Name/Originator. American Baptist Church of the USA Graduate Loan

Who is Eligible? Graduate Students

Loan Amount. $1,000.00 per year. Repayment (over six years) begins, and interest starts to accrue, six months following graduation or conclusion of studies. (See address under grant)

 Application Deadline. May 31

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Loan Name/Originator. American Baptist Church of the USA Undergraduate Loan

Who is Eligible? Undergraduate students.

Loan Amount. $500.00 per year. Repayment (over six years) begins, and interest starts to accrue, six months following graduation or conclusion of studies.

 Application Deadline. May 31

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Loan Name/Originator. American Baptist Churches

Who is Eligible? Graduate students; repayment begins, and interest starts to accrue, six months following graduation or conclusion of studies.

Application Procedure. Write to: American Baptist Churches
                                                    American Baptist FA Program
                                                    Valley Forge, PA 19482-0851

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Loan Name/Originator. Bill Raskob, Inc.

Who is eligible? Must have completed one year of study; low interest loans for students

Loan Amount. $1,000-$3,000

Application Procedure. Write to: Bill Raskob, Inc.
                                                     P.O. Box 4019
                                                     Wilmington, DE 19807

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Loan Name/Originator. Grand Encampment Knights Templar Educational Foundation Loan

Who is eligible? Should be legal resident of the Division (state) to which application is being made (if address is unknown, use address above); based on scholarship, character, and dependability; loans are repaid, following graduation with 5% interest.

Loan Amount. $3,000 per year, for up to 2 years

Application Procedure. Write to: Grand Encampment Knights Templar
                                                     Educational Foundation
                                                     5097 N Elston, Suite 101
                                                     Chicago, IL 60630

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Loan Name/Originator. Hattie M. Strong Foundation Loan

Who is Eligible? The foundation administers loans to students in their final year of study in a baccalaureate or graduate degree program. Loans are interest free, with no collateral. Repayment is based on monthly income after graduation.

Loan Amount. Maximum of $2,500

Application Deadline. Applications are mailed to students January 1 - March 31.

Application Procedure. Write to: Hattie M. Strong Foundation
                                                     Loans
                                                     1735 Eye St., NW, Suite 705
                                                     Washington, DC 20006

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Loan Name/Originator. Student Aid Foundation Loan

Who is eligible? Women, must be residents of, or attend school in, Georgia, who have above average academic ratings, and who are in need of financial assistance. For full-time students. No interest while in school. 6% interest is charged beginning three months after school. After three years interest goes to 12% on balance of loan. For one academic year. Renewable for three additional years. Approximately 35 awards each year. May reapply for additional years.

Loan Amount. $2,500 (undergraduate) and $3,000 (graduate)

Application Procedure. Write to: Student Aid Foundation
                                                     Loans
                                                     2520 E. Piedmont Rd., Suite F-180
                                                     Marietta, GA 30062

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Loan Name/Originator. United Methodist Church Board of Higher Education and Ministry Student Loan

Who is eligible? Must have membership in United Methodist Church ; must be a citizen or permanent resident of US.

Application Procedure. Write to: United Methodist Church Board of Higher Education and
                                                    Ministry Student Loan
                                                    PO Box 871
                                                    Nashville, TN 37202

The world and its desires pass away, but the man who does the will of God lives forever.

1 John 2:17