Less Than Half-Time Students (Domestic and International)

Before deciding on a lender, please review the information on Private Loan Options to better understand the process.

The following lenders responded to an open Request for Information (RFI) saying they would lend to Less than Half-time students or non-degree students. The degree programs that are considered less than half-time include:

  • Master of Public Health in Epidemiology (MPH-EPI) Online/On-Campus Program
  • Master in Health Care Management (MHCM) Program
  • Summer-Only degree students
College Ave  HUECU Sallie Mae Advantage  MPower Financing
Lends to domestic degree students? Yes Yes Yes Yes Yes
Lends to non-degree students? No No Yes Yes No
Lends to international students? Yes, with US cosigner Yes (no cosigner required); except citizens of OFAC sanctioned countries Yes, with US cosigner. DACA students are eligible. No Yes (no cosigner required)
For more information and to apply: https://bit.ly/3KveKl1 https://bit.ly/3tC51Ti https://bit.ly/3KvNYsV https://bit.ly/3J260CA https://bit.ly/3vTxo28

Once you have contacted a lender and been pre-approved for a loan, please fill out the Private Loan Information Form to notify our office. This will allow us to reflect your loan information on your student account to cover charges applied to avoid being placed on a financial hold. For international students, this also allows you to use the loan as part of your visa certification. 

Please note that non-degree students and students in less than half time programs may not be eligible for in-school deferment.

We encourage all prospective borrowers to review all their options and consider the following:

  • Credit requirements
  • Interest rate terms (ie: fixed or variable)
  • Fees
  • Repayment incentives for the borrower
  • Total cost
  • Deferment and forbearance options
  • Repayment timelines and flexibility


Note: The Harvard T.H. Chan School of Public Health, like all of Harvard University, has no financial interest in your choice of lender.