Loans

U.S. citizens and permanent residents are eligible to apply for loans with or without a co-signer, as long as they are creditworthy. AUA strongly recommends applying with a co-signer, as this may allow applicants to secure a lower interest rate. International students may apply for a loan with a creditworthy U.S. citizen or permanent resident.

Students are advised to review their credit and credit scores from all three credit bureaus to know and understand their credit rating before making an application for a loan. You can request a free copy of your credit report at www.myfico.com.

For more information about our private education loan you can email the Student Financial Services department at studentfinancialservices@auamed.org

Before receiving a student loan; borrowers are required to complete a student loan entrance counseling interview.

This quick and easy interactive counseling session provides useful tips and tools to help you develop a budget for managing your educational expenses. It also helps you understand your loan responsibilities when you enter repayment.

Pursuing your education is a major investment in your future. If you decide to make school loans a part of this investment, managing the debt you incur is an important part of planning for your future.

To ensure that you understand your responsibility and the obligation you are assuming, AUA requires you to participate in a Private Education loan. You can access our entrance counseling tutorial and quiz through our financial literacy portal at AUA Financial Literacy Portal. You will also find useful material that will give you tips on saving and budgeting as well as how to manage your personal and educational debt.

If you do not want to participate in the private loan program; you can select from the list below acceptable forms of payment.

Acceptable forms of payment

1.        Wire transfer (see wire instructions below)

2.        Certified Check or Bank Draft

3.        Money Order

4.        ACH/Electronic Check – see attached ACH Authorization form, which includes email instructions

a.        A $35 fee will be assessed for returned ACH payments

5.        Personal check

a.        A $35 fee will be assessed for returned checks

b.        Returned personal checks must be replaced with a wire transfer, certified check or money order

Mail Payments to:
Manipal Education Americas, LLC Agent for
American University of Antigua
One Battery Park Plaza, 33^rd Floor
New York, NY 10004

Wire Transfer Instructions:
Beneficiary: American University of Antigua
Bank: Citibank NY, New York, NY 10001
Beneficiary Account No.: 9941998184
Beneficiary ABA No.: 021000089
Beneficiary Swift Code: CITIUS33 (For wires originating outside US)

If wiring in Canadian dollars please indicate in the reference field CGBCON to ensure the lowest exchange rate.

Instructions for Payment Plan Applications:

1.        Go to www.ecsi.net/auamed

2.        Choose “Click here to get started”

3.        Enter your Student ID and the last four digits of your SSN and then click on the blue FIND button.

4.        Your demographic data should auto-populate down the left side of the screen.

5.        Fill in the right side of the first screen with the demographic data of the person responsible for making payments.  If this is you, click “Same as Student.”

6.        Continue to the next screen and choose your payment plan type. If you are not a clinical student going into the 6^th semester or higher DO NOT CHOOSE THE CLINICAL PLAN.

7.        Continue to the next screen where your plan total will appear. This will match the total on your statement.

8.        Continue to the next screen where your payment amounts will be detailed including the amount of your first payment which is due and payable at the time of application.

9.        Continue to the next screens to make your first payment via ACH.

10.     Acknowledge and accept the terms.

11.     Your Payment plan application is complete.