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Wellfi Student Loans
Custom Choice Loan®

SunTrust, now Truist, is currently not taking applications for this program. If you have recently submitted a loan application and would like to check your status, please click here to access your account. If you completed a partial application, but did not submit it, the application is no longer eligible for submission.

If you are still interested in a new Custom Choice Loan®, funded by a lender other than SunTrust, and to find out about a scholarship sweepstakes, please click here.

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** Hover over or click the help icon and help icon icons for additional help

School Selection

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What if my school is not listed?

There are two reasons why your school may not be listed:

  • You may be searching under the wrong name. Please try searching under the formal name (e.g. USC would be University of Southern California)
  • Your school is not eligible to participate in the program you have selected
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School Information:

Application Requirements
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Can I use my loan for expenses other than tuition?

Yes. You can use your loan to cover education-related expenses included in your cost of attendance as defined by your school, which often includes expenses such as:

  • Tuition and school fees
  • Books and school supplies
  • Lab fees
  • Room and board
  • A computer
  • Transportation to and from school

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    Depending on your situation, a cosigner may improve your approval chances.
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    Why does a cosigner help?

    Applying with a cosigner who has good credit and positive income can help you satisfy credit criteria and may increase your chances of passing the initial credit review. Most students will need a cosigner to qualify. In a cosigned application, both you and your cosigner intend to (a) jointly apply for credit and (b) be jointly liable for the requested loan. Learn more about the Cosigner Advantage here.

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    Enrollment Information

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    Start DateEnd Date
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    • The academic period may not exceed 12 months.
    • Your 'Start Date' cannot be more than 6 months in the future.
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    Your expected graduation date must be on or after your academic period end date.

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    What is cost of attendance?

    Cost of attendance (COA) is an estimation of tuition and fees, room and board, transportation, and other costs for the period of enrollment covered by the loan, as determined by the school.

    Please keep in mind that COA may vary by student due to a number of factors, including:

    • Residency status (Are you paying in-state or out-of-state tuition?)
    • Type of academic program (Are you an undergraduate or graduate student?)
    • Housing status (Are you living on or off campus?)
    • Number of hours enrolled (Are you enrolled full-time, 3/4 time or 1/2 time?)

    Where can COA be found?

    Check these sources:

    • Your school's financial aid materials including its website
    • Your school's financial aid office
    • Your financial aid award letter
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    What is estimated financial assistance?

    Estimated financial assistance includes the total dollar amount of grants, scholarships, work study and federal loans (Stafford, Parent PLUS, Grad PLUS, Perkins, etc) a family receives to fund a student's education for one academic year.

    Where can estimated financial assistance be found?

    If you have received an award letter from your school, the estimated financial assistance should be included there. If you have difficulty determining your estimated financial assistance, you may want to contact your school's financial aid office.

    Requested Loan Amount

    Enter the amount of money you need to borrow and make sure it is within the minimum and maximum loan amount range. This range is based on a number of factors, including your school and state of residence.
    As you determine the best way to finance your education, you should consider the full range of student financial aid options available to you. When federal student loans, scholarships, and grants aren't enough to cover the full cost of an education, a private student loan is often used to supplement these funds. Please do not borrow more than your unmet need.
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    Can I use my loan for expenses other than tuition?

    Yes. You can use your loan to cover education-related expenses included in your cost of attendance as defined by your school, which often includes expenses such as:

    • Tuition and school fees
    • Books and school supplies
    • Lab fees
    • Room and board
    • A computer
    • Transportation to and from school

    How much can I borrow?

    The minimum and maximum you can borrow for the upcoming semester/academic period is determined by the school you are attending, the loan type you selected and your state of residence. You must select an amount for the upcoming semester/academic period that is within the approved range.

    If you choose to refinance existing private student loans, select the Add Loans button to separately enter the payoff amount(s) and details of the loans you are requesting to refinance.

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    What is Cost Less Aid?
    Cost Less Aid simply means that you can borrow up to the cost of attendance for your school minus any other financial aid that you may be receiving. Don't worry if you do not know yet how much other aid you may be receiving; your school will verify that you are not requesting more money than you actually need.
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    The amount you are requesting for the upcoming semester/academic period.
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    Additional Help
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    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 and, if applicable, payoff documentation for any loan you request to refinance. 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, you can pay your loan off early regardless of your repayment terms without any penalty. 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:

    866-232-3889



    © 2019 Truist Financial Corporation. SunTrust®, the SunTrust logo, Custom Choice Loan®, and Truist™ are service marks of Truist Financial Corporation. All rights reserved.

    The creditor for this program is Truist Bank ("SunTrust now Truist" or "Lender"). Lender reserves the right to change or discontinue this Custom Choice program without notice. This loan program is subject to approval under the Lender's credit policy and other criteria, and may not be available in certain jurisdictions.

    Lender may sell your Custom Choice Loan to a third party. All borrower benefits set forth in your credit agreement that are not subject to the discretion of Lender must be honored by any potential purchaser provided you qualify for such benefits.

    Cognition Financial Corporation is not an affiliate of Lender.



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