SunTrust Student Loans

The Custom Choice Loan is a private student loan that can help fill the gap when federal loans, scholarships, and grants aren't enough to cover college expenses.

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Custom Choice Loan: Documentation

Approved Documentation for a Custom Choice Loan

Click on the categories below to learn more about the documentation you may need to complete your loan application. Required documentation can be uploaded online or submitted by fax or mail.

Eligible Proof of Income (if required)
  • Wage Earners: Please supply your previous W-2 statement or a paystub dated within the past 60 days that states the employer's name, employee's name and, if available, year-to-date income.

  • Self-employed: Submit a signed copy of the last two (2) years' federal personal income tax returns with all schedules (or, for electronically filed returns, an IRS confirmation notice may substitute for a signature).

  • Retirees: Please supply one of the following:

    • A copy of most recent pension statement (1099),
    • A copy of most recent social security income statement (1099),
    • A copy of the first two pages of the most recent federal tax return (signed by the Applicant/taxpayer or, for electronically filed returns, accompanied by an IRS confirmation notice),
    • A copy of a bank statement showing deposit of retirement income,
    • A copy of a benefit award letter,
    • A copy of proof of current pension payment (including a check stub), or
    • A copy of proof of current social security payment.
  • Other Income: (Submit one of the following depending on the type of income)

    • Applicant(s) who choose to rely on interest and dividends, note receivable, installment sales and land contracts, trust, rental, capital gains, income from a foreign source, in the application, must submit a copy of the two most recent federal personal income tax returns (signed by the Applicant(s)/taxpayer) with all applicable schedules.
    • Applicant(s) who choose to rely on alimony, child support, or separate maintenance payments, and who wish to have this considered for this loan application, must submit a complete copy of the divorce decree or court order which specifies the amount and duration of payments. Further, applicant(s) who choose to rely on child support, and who wish to have this considered for this loan application, must provide proof of receipt of child support for the last six months in the form of bank statements or cancelled checks.
    • Applicant(s) who choose to rely on GI Bill income must provide proof of scheduled GI Bill payments for the duration of the academic period.
    • Applicant(s) who choose to rely on disability, worker's compensation benefits and public assistance (AFDC/TANF) must provide appropriate documentation, which may include award letters, policy Agreements, account statements, etc.
    • Applicant(s) who choose to rely on royalty income must provide most recent 1099-Misc or the previous year's federal personal income tax returns.
    • Applicant(s) who choose to rely on annuity income must provide award letters or most recent 1099-Misc; if those are not available, then the previous year's federal personal income tax returns or bank statements showing direct deposit must be provided.
Proof of Citizenship (if required)
  • Permanent Residents will need to provide verification of Residency and Immigration Status:
    All Permanent Residents must provide a copy of the most current Resident Alien Card, FORM I-551 (I.E. Green Card) showing permanent Resident Alien Status of the United States or other CIS documentation demonstrating the legal right to reside in the U.S. permanently. Acceptable forms for permanent resident aliens include:

    • Alien Registration Receipt Card, Form I-551 (i.e., "Green Card"),with an unexpired date on the front of the card.
    • Conditional Alien Registration Receipt Card, I-551 with an unexpired INS I-751.
    • Unexpired passport with an unexpired stamp "Process for I-551. Temporary Evidence of Lawful Admission for Permanent Resident. Valid until MM-DD-YYYY. Employment Authorized.".
Applicant Self-Certification Form

A form required by the U.S. Department of Education and federal regulation. Students must sign and submit this form to their lender prior to receiving a private student loan. Information required on the form includes student's cost of attendance and estimated financial assistance. Also referred to as a Borrower Self-Certification Form.

Note: This Self-Certification must be completed manually.

Identity Verification

In order to validate information obtained during the loan approval process, one or more identification documents are required. Copies of identification documents such as driver's licenses, state issued identification cards, or social security cards must be legible and display identification information such as name and identification numbers.

Contact Us

To speak with a
Custom Choice Loan Specialist:

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