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SkillsBuilding™ Blog

Can I reapply if my loan is declined?

Yes. If your loan is declined, you’ll receive an emailed notice to help you understand the reason for your denial. Once you’ve had a chance to address the issues listed on your credit report, we encourage you to reapply.

How long does it take to get a decision on my loan application?

You will receive a decision on your loan 2 business days from Meritize receiving your completed application. A completed application includes your transcript and/or additional documents required or confirmation that you do not plan to include a transcript with your application. Remember that providing your transcript can only help you, it cannot hurt you.

Why does Meritize ask for transcripts?

Meritize has a proprietary credit evaluation that takes your previous academic performance and gives you financial credit for it – even if you’re not an “A” student. We look beyond your FICO score at your academic effort by reviewing your most recent transcript – high school, college, trade school. Providing your transcript can only help […]

How do I accept my offer?

To accept your Merit Loan offer, simply reply back to the email you received from The subject of the email is “Congratulations from Meritize.” If you are having trouble finding this email, please check your junk/spam folders. If you have any further questions, call 833-Merit-4U (833-637-4848) or email

How do I change the amount I need to borrow?

Call us at 833-Merit-4U (833-637-4848) or email

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