Loan Highlights

Covenant Scholars Foundation loans are designed to responsibly fill remaining funding gaps—particularly where federal loan programs may be limited or unavailable.

Unlike many private lenders, CSF pricing is not designed to maximize spreads, fees, or shareholder returns. 

Instead, rates are structured to reflect actual borrower risk and stewardship of the Foundation.  

Specific rates and terms are disclosed to borrowers prior to acceptance and in loan documents.

Borrowers are encouraged to use federal, grant, and institutional aid first if such aid serves the student better.