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Employment Stability

As in all student loans, lenders prefer two years of employment stability on the same job or in the same line of work. Less than 12 months on the current job is not generally acceptable unless accompanied by a justifiable explanation. Part-time or second jobs require two years history with high probability they will continue in order to include the full income from these sources.

Active Duty Applicants - To verify employment on active duty applicants, most lenders will accept an original "Leave and Earnings Statement" (LES) in lieu of the standard employment verification form. If the applicant is within twelve months of discharge, most lenders require you to obtain one of the following prior to loan approval.