Wellfi Student Loans
Custom Choice Loan®

What You Need to Apply

Personal Information
  • Pay stub (no more than 30 days old) or other proof of income
  • Monthly housing cost (rent, mortgage, other)
  • If you hold a citizenship status other than U.S. Citizen, you will be required to provide documentation regarding current immigration status in the United States. The document(s) must be valid through the academic period.
School Information
  • Anticipated graduation date
  • Loan amount
  • Academic period for loan
Additional information may be required after your application is submitted for review.

School & Loan Information

The type of degree the loan is for
Required Field
Are you the applicant or cosigner
Required Field
Required Field
Required Field
Are you applying with a cosigner
Most students have limited credit history and income. Adding a cosigner with a solid financial history and good credit may help improve your chances of loan approval by 4 times and sometimes may even result in a lower interest rate.Required Field.
Required Field

Required Field.
The application is processing your request
Select the grade level
Required Field.
Required Field.
Required Field.
Year must be between 2020 to 2031
MISSING: i.error.clientside.valuerequired :MISSING
Required Field.
Additional Help

Help Topics

What Factors Help Icon
What factors are used in the initial credit review?
The initial credit review is based on the information you and your cosigner (if applicable) provide during the application process and the information obtained from your credit report (and any cosigner's credit report). If you pass the initial credit review, documentation will be requested to verify your identity and annual income. A signed Loan Packet, including the Credit Agreement, Approval Disclosure and Applicant Self-Certification Form is required before a final loan decision is made. Your school will be required to certify the loan amount for the upcoming academic year/semester prior to disbursement.
Cost of Attendance Help Icon
Why do you need the Student's Cost of Attendance and Estimated Financial Assistance?
Before a final loan decision is made, you will be asked to sign an Applicant Self-Certification Form. The Student's Cost of Attendance and Estimated Financial Assistance are two fields on the form. By entering the information here, we are able to pre-fill the Applicant Self-Certification Form with this information.
Help How much can i borrow Help Icon
How much can I borrow?
The minimum and maximum you can borrow is determined by the school you are attending, the loan type you selected, and your state of residence.
Prepay Help Icon
Is there a penalty for pre-payment or paying the loan off early?
No, there is not a penalty for pre-payment of your loan. You will only be charged the amount of interest that has accrued on the loan until the day the loan is paid off.
What School Help Icon
In order to apply for a loan, do I need to know what school I'm attending?
Yes, you need to be enrolled at least 1/2 time as a student at an eligible school.

Keep in mind

Make sure you're prepared with this information before you apply:
Exhausted funding Help iconExhaust other funding first
Let us help fill the financial gaps after you've applied for Grants, Scholarships, and Federal Aid
Arrow iconApply with a qualified cosigner
It can make a big difference-see why
Arrow iconDo I meet the Requirements?
FAQ Arrow iconFrequently asked questions
Terms Arrow iconGlossary and Terms

Have questions?

Contact us at:


The Custom Choice Loan® is made by Citizens Bank, N.A. ("Lender"). All loans are subject to individual approval and adherence to Lender's underwriting guidelines. Program restrictions and other terms and conditions apply. LENDER AND COGNITION FINANCIAL CORPORATION EACH RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS AND BENEFITS AT ANY TIME WITHOUT NOTICE. TERMS, CONDITIONS AND RATES ARE SUBJECT TO CHANGE AT ANY TIME WITHOUT NOTICE.
© 2021 Cognition Financial Corporation. All rights reserved.

This site is protected by SSL Security We respect your privacy and security.