OMI STUDENT FUNDING
FOR PASSIONATE PEOPLE
GET YOUR EDUCATION
OFF THE GROUND!
We empower creative students to pursue their passions by providing financial support and encouragement, helping the next generation rise, achieve success, and turn their dreams into reality.
CULINARY
FINE DINING
student loans with Career training
For students taking professional training or certificate courses (such as culinary, aviation, technical, etc.)
MUSIC
FOLLOW YOUR PASSION
We proudly offer student loans for passionate career paths
For students taking professional music production, film, digital art and more
HAIR DESIGNER
BARBER
We specialize in working with students who are ready for tomorrow!
Hair designers, Barbers, nursing, dental assistant, vet tech and more
WHAT ARE MY OPTIONS?
Undergraduate Student Loans
Fixed rates: 6.52% – 24.49% APR
Variable rates: 4.37% – 22.5% APR
Lowest fixed and variable rates include the auto debit discount.
Are there fees or penalties?
Our student loans have no origination, application, or disbursement fees, with no penalty for paying more than the minimum or paying it off early.
Should I apply with a cosigner?
You're 4x more likely to be approved for a Citizens Student Loan with a qualified cosigner†. If students don't have a credit history, applying with a qualified cosigner (typically a parent or guardian) could raise chances of approval, and could even lower your rate, too.
Borrow Smart
OMI Financial
At OMI Financial, we encourage students and families to explore all financial aid options—starting with personal savings, grants, scholarships, and federal student loans—before turning to private loans. Carefully consider your future earning potential and monthly payment obligations before borrowing.
OMI Loans for Undergraduate & Career Training Students
OMI private student loans are designed for undergraduate and career training students only. Loans are subject to credit approval, identity verification, signed loan agreements, and school certification. Students must attend a participating school, and either the student or a cosigner must be the age of majority in their state.
Non-U.S. citizens or non-permanent residents must live and attend school in the U.S. and apply with a creditworthy cosigner who is a U.S. citizen or permanent resident. The minimum loan amount is $1,000.
Interest Rates & Terms
Advertised APRs are based on a $10,000 loan, a four-year in-school period, a six-month grace period, and the longest available repayment term. Variable interest rates may change over time based on fluctuations in the 30-day Average SOFR, rounded up to the nearest one-eighth percent. Interest begins accruing once funds are disbursed to the school.
With the Fixed and Deferred Repayment options, interest rates may be higher compared to the Interest Repayment option. Unpaid interest is added to your loan’s principal at the end of the grace or separation period. A 0.25% interest rate discount is available when the borrower or cosigner enrolls in automatic payments (auto debit). This discount applies only while payments are successfully withdrawn each month and may be suspended during forbearance or deferment.
Get Personalized Rates
Submit a loan application to view your specific rates and terms.
Please Note
OMI Financial reserves the right to change or discontinue any loan products, services, or benefits at any time without notice. Visit OMIFinancial.com for the latest information.
Loans are issued by OMI Financial.
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