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Uncertified student loans are the financial aid programs that are not certified by an educational institute. These funds are granted by the private student loan lenders. The .Certified and Uncertified Student Loans Learn the differences between certified private student loans vs. uncertified student loans Because federal law requires that all funds .Non certified or "uncertified" loans are riskier and harder to find than certified loans. In effect, non certified loans are personal loans that a student may choose to use to finance his or her education..An uncertified student loan, on the other hand, is a private matter between a student and a bank. These loans aren't dependent on the cost of the student's education, and the loans aren't typically handed directly to the school..