<prompt> Human: My employer fully funded my tuition while I went to school part time for my MS degree. I just recently accepted a new position and so Ill be paying back roughly half the tuition 15K. I have enough in savings, ROTH contributions, and excess from my relocation bonus to cover the full expense, but Id rather not deplete those accounts and want to take out a loan for it.My question is, would this be able to qualify as a student loan with banks? The interest rates for student loans are much much lower than regular personal loans. My credit score is in the 770 range so I think any rate I get should be somewhat decent, but I hope I can take advantage of the low student loan rates.TLDR - Would tuition payback to an employer qualify as a student loan?  <response>: Absolutely not. You have to be in school to qualify for student loans, private or Federal. Plus, the school certifies the loan and the money goes directly to them, not you. Find a private loan or credit card like someone else suggested. 