All loans require ONE qualified loan guarantor. Guarantors must meet the following criteria:

  • Guarantors must be at least 18 years old, with a preference for 21 years old+
  • Must be a US citizen or a US Permanent Resident
  • Must live permanently in the United States
  • Must demonstrate an ability to repay a loan if the Borrower defaults on the loan
  • Must be willing to undergo a credit check as part of the vetting process

The following people may not guarantee a loan, even if they meet the requirements above:

  • Pulpit Clergy (rule exists for Clergy protection)
  • Your Spouse or Domestic Partner
  • Other family members in your immediate household
  • Persons who currently have an STLJLA loan
  • Persons who previously defaulted on a STLJLA loan, either as a Borrower or Guarantor

If you (or your Guarantor) meet some but not all the criteria above, please email us or call us at 314-442-3755. We are here to help, and we may be able to make exceptions to certain requirements.