Uncertified student loans are hard to apply for and hard to get. These loans mean that they are not certified by the educational institutions. The lender will require detail from the student as to why he/she needs an uncertified loan. The lender will know that if the student has paid its tuition expenses then such a loan will be for uneducational purposes. And on the same hand is the student has unmet educational expenses then this will indicate that he student is irresponsible when allocating funds towards education. Both these indicators will discourage a lender from issuing an uncertified loan.