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FAQs:

I am a current borrower and need help with my Funding U loan.

Contact Scratch Loan Servicing


Scratch Services is available during the hours of 9AM - 8PM Monday through Thursday and 9AM - 5PM Friday ET

How to reach Scratch:
Phone :
+1 (844) 727-2684.

Chat:
Log in to your account at scratch.fi and use the chat bubble on the bottom right of the page!

Mailing address:

To send us a letter (not a check), please write to us at: P.O. BOX 411285, San Francisco, CA 94141-1285

Payment address:

To mail a check via USPS:

Scratch Services, LLC
PO Box 398654
San Francisco, CA 94139-8654
If you need to send us a check overnight or are using any carrier other than USPS, please send it to:

Lockbox Services Box #138654
Scratch Services, LLC
3440 Walnut Avenue, Bldg A, Window H
Fremont, CA 94538


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LOAN ELIGIBILITY: Must be a US citizen or permanent resident, age 18 or over. Must be enrolled as a full-time undergraduate student in a bachelor’s degree program at a Title IV-eligible four year college (for-profit schools not eligible).
LOAN AVAILABILITY - Residents of the following states are eligible for 2023-2024 loans: Alabama, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, Florida, Georgia, Hawaii, Illinois, Indiana, Iowa, Kansas, Louisiana, Maryland, Massachusetts, Michigan, Minnesota, Missouri, Nebraska, New Jersey, New Mexico, New York, North Carolina, Ohio, Oklahoma, Oregon, Pennsylvania, South Carolina, Tennessee, Texas, Utah, Vermont, Virginia, Washington, West Virginia, and Wisconsin. Terms and conditions vary by state.
DISCLAIMER: Offered terms are subject to change. Loans are made by Funding University which is a for-profit enterprise. Funding University is not affiliated with the school you are attending or any other learning institution. None of the information contained in Funding University's website constitutes a recommendation, solicitation or offer by Funding University or its affiliates to buy or sell any securities or other financial instruments or other assets or provide any investment advice or service.
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