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Stratus Financial
Student loans for flight training — terms below, package totals from the current rate sheet.
Terms
10–15 years
Deferment
12 months
Down
$1,000
Bank statement
$2,500
How to Apply
Three steps with Stratus
- Complete the application — Fill out the Stratus Financial application online.
- Review — After you submit, Stratus reviews your application.
- Conditional approval — Watch for conditional approval via email.
Limited credit or low income may require a co-borrower on the application.
Loan Terms
Rates, deferment, and prerequisites
Custom loans from 10 to 15 years with flexible payment plans. Deferment for 12 months while you complete training and job search. No prepayment penalty. Unsecured student loan — interest rates vary by credit score. Subject to credit and employment verification.
Loan information
- Interest rates vary by credit score
- 10–15 year terms with flexible payment plans
- No prepayment penalty
- Unsecured student loan
- 12-month deferment during training and job search
Lending prerequisites
- US citizen
- 2nd class medical or better
- Completed IACRA application
- $1,000 down payment
- $2,500 bank statement
- Subject to credit check
- Subject to employment verification
- Complete the program within 36 months of admission
What Loans Cover
Complete Program
Private through CFI, including commercial time build and multi add-on. Loan amounts follow the current package stack — from $53,415.
Cessna 152 framework
$53,415
Cessna 172 framework
$62,700
Stack includes
- Private pilot (61)
- Instrument rating
- Commercial time build
- Commercial pilot
- Multi add-on
- CFI, CFII, and MEI
- Ground and pre/post briefings in each training block