There are several lenders who offer loans that are not backed by the federal government. Most of these loans will require that you have good credit and/or require a cosigner. Many lenders approve loans to International Students as long as they have a credit worthy cosigner who is either a U.S. citizen or permanent resident.
Alternative Loans are offered through private lenders and are meant to provide additional educational funding only after a student and his/her family has exhausted all other sources of funding such as federal and state aid. These loans are not guaranteed by the federal government and may carry high interest rates and origination fees. All the loans require a credit check and most will require a cosigner if the borrower has little or negative credit history.
CUNY does not recommend any specific lender/programs. Contact the lender of your choice for details about their program and application process.