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IPEDS ID: 217907
OPE ID: 00342700
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Coker University
300 E College Ave, Hartsville, South Carolina 29550
General information:  (843) 383-8000
Website:  coker.edu/
Type:  4-year, Private not-for-profit
Awards offered:  Bachelor's degree
Master's degree
Doctor's degree
Campus setting:  Town: Distant
Campus housing:  Yes
Student population:  1,160 (1,060 undergraduate)
Student-to-faculty ratio:  12 to 1
Admissionscoker.edu/admissions/
Apply Onlinewww.coker.edu/apply/
Financial Aidcoker.edu/tuition-aid/
Net Price Calculatorwww.coker.edu/admissions-aid/traditional-students/costs-aid/financial-aid/net-price-calculator/
Tuition Policies for Servicemembers and Veteranscoker.edu/tuition-aid/military-veteran-information/
Disability Serviceswww.coker.edu/student-experience/student-resources/learning-support-services/
Athletic Graduation Rateswww.cokercobras.com/athletes/Coker_Academic_Success_Rate.pdf
Mission Statement
  Coker University is a student-centered, comprehensive university. It is dedicated to providing every student an academic curriculum based upon a uniformly excellent liberal arts core that enhances the structured development of key personal skills. The University’s goal is to graduate students with the ability to think analytically and creatively, and to write and speak effectively. Experiences both in and out of the classroom are focused on active student involvement and the practical application of academic knowledge that lead to lifelong learning. Coker measures its success by the personal and professional accomplishments enjoyed by all members of the academic community.
Special Learning Opportunities
Distance education – undergraduate programs offered
Distance education – graduate programs offered
Study abroad
Undergraduate research (co-curricula)
Teacher certification (below the postsecondary level)
Student Services
Academic/career counseling service
Employment services for students
Placement services for completers
Undergraduate students enrolled who are formally registered with office of disability services, Fall 2022
5.66%
High school students enrolled in college courses for credit, 2022-2023
421
Carnegie Classification
Master's Colleges & Universities: Small Programs
Religious Affiliation
Not applicable
Federal Aid
Eligible students may receive Pell Grants and other federal aid (e.g. Direct Loans).
For-credit instruction programs offered
Academic
Noncredit education offered
Institution does not offer noncredit education
Credit Accepted
Credit for life experiences
Advanced placement (AP) credits
Faculty and graduate assistants by primary function, Fall 2022Full timePart time
Total faculty4962
Instructional4962
Research and public service00
Total graduate assistants-0
Instructional-0
Research-0
Estimated Expenses for Full-time Beginning Undergraduate Students
  • Beginning students are those who are entering postsecondary education for the first time.
Estimated expenses for academic year2020-20212021-20222022-20232023-2024% change 2022-2023 to 2023-2024
Tuition and fees$31,524$31,524$31,764$31,8540.3%
Books and supplies$2,000$2,000$2,000$3,00050.0%
Living arrangement
On Campus
Food and Housing$9,892$9,892$9,892$10,88210.0%
Other expenses$1,448$1,448$1,448$1,63212.7%
Off Campus
Food and Housing$6,200$6,200$6,200$6,4704.4%
Other expenses$1,448$1,448$1,448$1,63212.7%
Off Campus with Family
Other expenses$1,448$1,448$1,448$1,63212.7%
Total Expenses2020-20212021-20222022-20232023-2024% change 2022-2023 to 2023-2024
On Campus$44,864$44,864$45,104$47,3685.0%
Off Campus$41,172$41,172$41,412$42,9563.7%
Off Campus with Family$34,972$34,972$35,212$36,4863.6%
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This calculator uses estimated student expenses data to estimate the total tuition and fees charged over the duration of a typical 4-year program at this school.
1. Select starting academic year
2. Select tuition inflation rate
 
 

% (0-100 allowed)
  • The output is only an estimate and not a guarantee of the actual amount the student may be charged; it is not binding on the Secretary, the institution of higher education, or the State; and it may change, subject to the availability of financial assistance, State appropriations, and other factors. The student must complete the Free Application for Federal Student Aid (FAFSA) to be eligible for, and receive, an actual financial aid award that includes federal grant, loan, or work-study assistance.
  • The estimated price does not include Food and Housing, books and supplies, etc. (where applicable) and is based on previous years' tuition and fees data. Tuition and fees may vary by program. Please contact this institution for detailed price information.
  • Estimated yearly tuition and fees may not sum to totals because of rounding.
Estimate the total tuition and fee costs over the duration of a typical program.
 Multiyear Tuition Calculator
Average graduate student tuition and fees for academic year2023-2024
Tuition$16,560
Fees$400
Alternative Tuition Plans and Promise Program
Type of PlanOffered
Tuition guarantee plan
Prepaid tuition plan
Tuition payment planX
Other alternative tuition plan
  • Does not participate in Promise program
Undergraduate Student Financial Aid, 2022-2023
Full-time Beginning Undergraduate Students
  • Beginning students are those who are entering postsecondary education for the first time.
Type of AidNumber awarded aidPercent awarded aidTotal amount of aid awardedAverage amount of aid awarded
Any student financial aid1187100%————
Grant or scholarship aid187100%$4,759,680$25,453
Federal grants6736%$370,666$5,532
Pell grants6736%$334,916$4,999
Other federal grants179%$35,750$2,103
State/local government grant or scholarships9450%$638,495$6,793
Institutional grants or scholarships18699%$3,750,519$20,164
Student loan aid12466%$901,128$7,267
Federal student loans12366%$688,865$5,601
Other student loans158%$212,263$14,151
  • 1 Includes students awarded Federal work study aid and aid from other sources not listed above.
All Undergraduate Students
Type of AidNumber awarded aidPercent awarded aidTotal amount of aid awardedAverage amount of aid awarded
Degree/certificate-seeking
Grant or scholarship aid176599%$18,708,407$24,455
Pell grants31240%$1,647,168$5,279
Federal student loans50165%$3,428,003$6,842
Non-degree/non-certificate-seeking
Grant or scholarship aid100%$0
  • 1 Grant or scholarship aid includes aid awarded, from the federal government, state or local government, the institution, and other sources known by the institution.

  • For more information on Student Financial Assistance Programs or to apply for financial aid via the web, visit Federal Student Aid.
Average Net Price for Full-Time Beginning Students
Full-time beginning undergraduate students who were awarded grant or scholarship aid from federal, state or local governments, or the institution.
2020-20212021-20222022-2023
Average net price$17,720$19,345$18,910
Full-time beginning undergraduate students who were awarded Title IV aid by income.
Average net price by Income2020-20212021-20222022-2023
$0 – $30,000$14,141$7,901$16,478
$30,001 – $48,000$15,312$11,402$16,411
$48,001 – $75,000$16,890$11,253$16,242
$75,001 – $110,000$21,191$17,909$19,634
$110,001 and more$33,697$33,114$19,982
  • Average net price is generated by subtracting the average amount of federal, state/local government, or institutional grant or scholarship aid from the total cost of attendance. Total cost of attendance is the sum of published tuition and required fees, books and supplies, and the weighted average for Food and Housing and other expenses.
  • Beginning students are those who are entering postsecondary education for the first time.
  • Title IV aid to students includes grant aid, work study aid, and loan aid. These include: Federal Pell Grant, Federal Supplemental Educational Opportunity Grant (FSEOG), Academic Competitiveness Grant (ACG), National Science and Mathematics Access to Retain Talent Grant (National SMART Grant), Teacher Education Assistance for College and Higher Education (TEACH) Grant, Federal Work-Study, Federal Perkins Loan, Subsidized Direct or FFEL Stafford Loan, and Unsubsidized Direct or FFEL Stafford Loan. For those Title IV recipients, net price is reported by income category and includes students awarded federal aid even if none of that aid was provided in the form of grants. While Title IV status defines the cohort of student for which the data are reported, the definition of net price remains the same – total cost of attendance minus grant aid.
Net Price Calculator
An institution’s net price calculator allows current and prospective students, families, and other consumers to estimate the net price of attending that institution for a particular student.
Fall 2022
Total enrollment1,160
Undergraduate enrollment1,060
Undergraduate transfer-in enrollment93
Graduate enrollment100
Undergraduate Attendance StatusUndergraduate Student Gender
Undergraduate Attendance Status:
Full-time: 70%
Part-time: 30%Undergraduate Student Gender:
Male: 46%
Female: 54%
Undergraduate Race/ethnicity
Undergraduate Race/ethnicity:
American Indian or Alaska Native: 1%
Asian: 3%
Black or African American: 20%
Hispanic/Latino: 4%
Native Hawaiian or other Pacific Islander: 0%
White: 47%
Two or more races: 4%
Race/ethnicity unknown: 14%
U.S. Nonresident: 7%
Undergraduate Student AgeUndergraduate Student Residence
Undergraduate Student Age:
24 and under: 90%
25 and over: 10%
Age unknown: 0%Undergraduate Student Residence:
In-state: 54%
Out-of-state: 33%
Foreign countries: 13%
Unknown: 0%
  • Age data are reported for Fall 2021.
  • Residence data are reported for first-time degree/certificate-seeking undergraduates.
Undergraduate Distance Education Status
Undergraduate Enrollment by Distance Education Status:
Enrolled exclusively in distance education courses: 12%
Enrolled in some, but not all, distance education courses: 56%
Not enrolled in any distance education courses: 32%
Graduate Attendance Status
Graduate Attendance Status:
Full-time: 33%
Part-time: 67%
Graduate Distance Education Status
Graduate Enrollment by Distance Education Status:
Enrolled exclusively in distance education courses: 100%
Enrolled in some, but not all, distance education courses: 0%
Not enrolled in any distance education courses: 0%
Undergraduate Admissions Fall 2023
TotalMaleFemale
Number of applicants1,121458660
Percent admitted97%96%98%
Percent admitted who enrolled16%21%13%
Admissions ConsiderationsRequired to be consideredNot required, but consideredNot considered
Secondary school GPAX
Secondary school rankX
Secondary school recordX
Completion of college-preparatory programX
RecommendationsX
Formal demonstration of competenciesX
Work experienceX
Personal statement or essayX
Legacy statusNot applicableX
Admission test scoresRequired to be consideredNot required, but considered (Test Optional)Not considered (Test Blind)
SAT / ACTX
Other Test (Wonderlic,WISC-III,etc)X
English Proficiency TestX
First-to-Second Year Retention Rates

Retention rates measure the percentage of first-time students who are seeking bachelor's degrees who return to the institution to continue their studies the following fall.

Retention Rates for First-Time Students Pursuing Bachelor's Degrees
Student retention:
Full-time students: 63%
Part-time students: 50%
Percentage of Students Who Began Their Studies in Fall 2021 and Returned in Fall 2022
Overall Graduation Rate and Transfer-Out Rate

The overall graduation rate is also known as the "Student Right to Know" or IPEDS graduation rate. It tracks the progress of students who began their studies as full-time, first-time degree- or certificate-seeking students to see if they complete a degree or other award such as a certificate within 150% of "normal time" for completing the program in which they are enrolled.

Some institutions also report a transfer-out rate, which is the percentage of the full-time, first-time students who transferred to another institution without completing at the current institution.

Note that not all students at the institution are tracked for these rates. Students who have already attended another postsecondary institution, or who began their studies on a part-time basis, are not tracked for this rate. At this institution, 39 percent of entering students were counted as "full-time, first-time" in 2022.

Overall Graduation and Transfer-Out Rates for Students Who Began Their Studies in Fall 2017
Overall graduation rate:
Overall graduation rate: 35%
Transfer-out rate: 41%
Percentage of Full-time, First-Time Students Who Graduated or Transferred Out Within 150% of "Normal Time" to Completion for Their Program
Bachelor's Degree Graduation Rates

Bachelor’s degree graduation rates measure the percentage of entering students beginning their studies full-time and are planning to get a bachelor’s degree and who complete their degree program within a specified amount of time.

Graduation Rates for Students Pursuing Bachelor's Degrees
Bachelor's degree rate:
[Began in Fall 2015]
4-year: 30%
6-year: 37%
8-year: 37%
[Began in Fall 2017]
4-year: 31%
6-year: 35%
Percentage of Full-time, First-time Students Who Graduated in the Specified Amount of Time and Began in Fall 2015 or Fall 2017
6-Year Graduation Rate by Gender for Students Pursuing Bachelor's Degrees
6-Year Graduation Rate by Gender for Students Pursuing Bachelor's Degrees:
Male: 26%
Female: 44%
Percentage of Full-time, First-time Students Who Began Their Studies in Fall 2017 and Received a Degree or Award Within 150% of "Normal Time" to Completion for Their Program
6-Year Graduation Rate by Race/Ethnicity for Students Pursuing Bachelor's Degrees
6-Year Graduation Rate by Race/Ethnicity for Students Pursuing Bachelor's Degrees:
American Indian or Alaska Native: 0%
Asian: 100%
Black or African American: 31%
Hispanic/Latino: 20%
Native Hawaiian or other Pacific Islander: 0%
White: 40%
Two or more races: 27%
Percentage of Full-time, First-time Students Who Began Their Studies in Fall 2017 and Received a Degree or Award Within 150% of "Normal Time" to Completion for Their Program
  • Alternative measures of student success are reported by degree-granting institutions to describe the outcomes of degree/certificate-seeking undergraduate students who are not only first-time, full-time students, but also part-time attending and non-first-time (transfer-in) students. These measures are also reported for students receiving Pell grants and those students that do not receive Pell grants. These measures provide the 8-year award-completion rates by award level (certificates, associate's and bachelor degrees) after entering an institution. For students who did not earn any undergraduate award after 8-years of entry, the enrollment statuses are reported as either still enrolled at the institution, or subsequently transferred out of the institution. Unlike the Graduation Rates data, all reporting institutions must report on their transfer outs regardless if the institution has a mission that provides substantial transfer preparation.
FULL-TIME, FIRST-TIME DEGREE/CERTIFICATE-SEEKING UNDERGRADUATES WHO ENTERED IN 2015-16
Award and enrollment rate:
[All students]
Received a Bachelor's degree: 36%
Enrolled at same institution: 0%
Enrolled at different institution: 37%
[Pell]
Received a Bachelor's degree: 30%
Enrolled at same institution: 0%
Enrolled at different institution: 40%
[Non-Pell]
Received a Bachelor's degree: 44%
Enrolled at same institution: 0%
Enrolled at different institution: 35%
PART-TIME, FIRST-TIME DEGREE/CERTIFICATE-SEEKING UNDERGRADUATES WHO ENTERED IN 2015-16
Award and enrollment rate:
[All students]
Received a Bachelor's degree: 46%
Enrolled at same institution: 0%
Enrolled at different institution: 0%
[Pell]
Received a Bachelor's degree: 30%
Enrolled at same institution: 0%
Enrolled at different institution: 0%
[Non-Pell]
Received a Bachelor's degree: 100%
Enrolled at same institution: 0%
Enrolled at different institution: 0%
FULL-TIME, NON-FIRST-TIME DEGREE/CERTIFICATE-SEEKING UNDERGRADUATES WHO ENTERED IN 2015-16
Award and enrollment rate:
[All students]
Received a Bachelor's degree: 70%
Enrolled at same institution: 0%
Enrolled at different institution: 11%
[Pell]
Received a Bachelor's degree: 69%
Enrolled at same institution: 0%
Enrolled at different institution: 12%
[Non-Pell]
Received a Bachelor's degree: 71%
Enrolled at same institution: 0%
Enrolled at different institution: 10%
PART-TIME, NON-FIRST-TIME DEGREE/CERTIFICATE-SEEKING UNDERGRADUATES WHO ENTERED IN 2015-16
Award and enrollment rate:
[All students]
Received a Bachelor's degree: 51%
Enrolled at same institution: 0%
Enrolled at different institution: 4%
[Pell]
Received a Bachelor's degree: 49%
Enrolled at same institution: 0%
Enrolled at different institution: 5%
[Non-Pell]
Received a Bachelor's degree: 56%
Enrolled at same institution: 0%
Enrolled at different institution: 0%
Completions (Number of awards conferred) 2022-2023
Completions are the number of awards conferred by program and award level.
sort byProgramBachelorMasterDoctor
  • Data shown are for first majors.
  • (-) Program is not offered at this award level.
  • d identifies programs and award levels that are offered as a distance education program. For program category totals, d is shown if one or more programs in the category are offered as a distance education program.
Biological and Biomedical Sciences
Biology/Biological Sciences, General27--
Category total27--
Business, Management, Marketing, and Related Support Services
Accounting0--
Actuarial Science0--
Business Administration and Management, General29--
Business/Commerce, General15--
Entrepreneurship/Entrepreneurial Studies0--
Financial Planning and Services0--
Management Science0--
Organizational Leadership-20d-
Sales, Distribution, and Marketing Operations, General0--
Category total4420d-
Communication, Journalism, and Related Programs
Speech Communication and Rhetoric4--
Category total4--
Computer and Information Sciences and Support Services
Computer Science5--
Category total5--
Education
Art Teacher Education0--
Biology Teacher Education1--
Curriculum and Instruction-17d-
Early Childhood Education and Teaching7--
Education, General1--
Elementary Education and Teaching1--
English/Language Arts Teacher Education0--
Mathematics Teacher Education1--
Music Teacher Education1--
Physical Education Teaching and Coaching0--
Social Studies Teacher Education0--
Teacher Education and Professional Development, Specific Levels and Methods, Other-0-
Category total1217d-
English Language and Literature/Letters
English Language and Literature, General3--
Professional, Technical, Business, and Scientific Writing0--
Category total3--
Foreign Languages, Literatures, and Linguistics
Spanish Language and Literature0--
Category total0--
Health Professions and Related Programs
Clinical Laboratory Science/Medical Technology/Technologist0--
Health/Health Care Administration/Management0--
Nursing Administration-0d0d
Nursing Education00d-
Pre-Pharmacy Studies0--
Public Health, General0--
Registered Nursing/Registered Nurse0--
Category total00d0d
History
History, General2--
Category total2--
Liberal Arts and Sciences, General Studies and Humanities
General Studies1--
Humanities/Humanistic Studies0--
Category total1--
Mathematics and Statistics
Mathematics, General0--
Category total0--
Multi/Interdisciplinary Studies
Biological and Physical Sciences0--
Multi-/Interdisciplinary Studies, General9--
Category total9--
Parks, Recreation, Leisure, Fitness, and Kinesiology
Exercise Science and Kinesiology16--
Parks, Recreation, Leisure, Fitness, and Kinesiology, Other0--
Sport and Fitness Administration/Management610d-
Sports, Kinesiology, and Physical Education/Fitness, General0--
Sports, Kinesiology, and Physical Education/Fitness, Other3--
Category total2510d-
Physical Sciences
Chemistry, General0--
Category total0--
Psychology
Counseling Psychology4--
Psychology, General18--
Category total22--
Public Administration and Social Service Professions
Social Work0--
Category total0--
Social Sciences
Criminology70d-
Political Science and Government, General4--
Sociology, General8--
Category total190d-
Visual and Performing Arts
Acting1--
Dance, General3--
Dance, Other0--
Drama and Dramatics/Theatre Arts, General0--
Fine/Studio Arts, General4--
Graphic Design4--
Keyboard Instruments0--
Music, General0--
Music, Other0--
Musical Theatre3--
Photography0--
Playwriting and Screenwriting1--
Technical Theatre/Theatre Design and Technology1--
Voice and Opera1--
Category total18--
Grand total191470
Services and Programs for Servicemembers and Veterans
Yellow Ribbon Program (officially known as Post-9/11 GI Bill, Yellow Ribbon Program)
Credit for military training
Dedicated point of contact for support services for veterans, military servicemembers, and their families
Member of Department of Defense Voluntary Educational Partnership Memorandum of Understanding
Tuition policies specifically for Veterans and Servicemembers
Educational Benefits, 2022-2023
Number of students receiving benefits/assistance
Number of students receiving benefits/assistance:
Post-9/11 GI Bill Benefits - undergraduates: 13
Post-9/11 GI Bill Benefits - graduates: 1
DoD Tuition Assistance Program - undergraduates: 0
DoD Tuition Assistance Program - graduates: 0
Average amount of benefits/assistance disbursed through the institution (*)
Average amount of benefits/assistance disbursed through the institution:
Post-9/11 GI Bill Benefits - undergraduates: $18,782
  • (*) One or more average amounts of benefits/assistance are withheld to preserve the privacy of individuals.
RETENTION RATES
RETENTION RATES FOR FIRST-TIME, DEGREE/CERTIFICATE EDUCATION BENEFIT USERS PURSUING BACHELOR'S DEGREES
RETENTION RATES FOR FIRST-TIME, DEGREE/CERTIFICATE EDUCATION BENEFIT USERS PURSUING BACHELOR'S DEGREES
Full-time students: 75%
Retention rate is the percentage of undergraduate students who began their studies in academic year 2013-14 and returned in academic year 2014-15
Athletics Participation
  • Sanction Body: NCAA Division II without football
Varsity Men's and Women's TeamsMenWomen
Baseball56
Basketball1820
Field Hockey21
Golf1210
Lacrosse2721
Soccer5230
Softball23
Tennis88
Track and Field, Indoor2020
Track and Field, Outdoor2020
Track and Field, X-Country67
Volleyball18
Wrestling31
Other Sports25
Institutional Accreditation
AccreditorStatusNext Review Date
Southern Association of Colleges and Schools, Commission on CollegesAccredited since (01/01/1923)12/09/2025
Programmatic Accreditation
Accreditor / ProgramStatusNext Review Date
 No Longer Recognized  National Council for Accreditation of Teacher Education
Teacher Education (TED) - Baccalaureate and graduate programs for the preparation of teachers and other professional personnel for elementary and secondary schoolsAccredited since ((!)10/26/2012)TBD
Teacher Education (TED) - Baccalaureate and graduate programs for the preparation of teachers and other professional personnel for elementary and secondary schoolsPreaccredited (10/23/2010 - 10/26/2012)
National League for Nursing, Commission for Nurse Education Accreditation
Nursing - Bachelor’s degreePreaccredited since (02/15/2024)02/28/2027
Nursing - Clinical doctoratePreaccredited since (02/15/2024)02/28/2027
Nursing - Master’s degreePreaccredited since (02/15/2024)02/28/2027
  • (!) Estimated date
  • For more detailed information on accreditation for this institution, including all actions and justification for actions, visit OPE's Database of Accredited Postsecondary Institutions and Programs: ope.ed.gov/dapip/#/institution-profile/142249.
On-Campus
Criminal Offenses201920202021
a. Murder/Non-negligent manslaughter000
b. Negligent manslaughter000
c. Rape000
d. Fondling111
e. Incest000
f. Statutory Rape000
g. Robbery000
h. Aggravated assault010
i. Burglary604
j. Motor vehicle theft200
k. Arson000
VAWA Offenses201920202021
a. Domestic violence000
b. Dating violence100
c. Stalking300
Arrests201920202021
a. Weapons: carrying, possessing, etc.000
b. Drug abuse violations100
c. Liquor law violations000
Disciplinary Actions201920202021
a. Weapons: carrying, possessing, etc.000
b. Drug abuse violations1000
c. Liquor law violations461911
On-Campus Student Housing Facilities
  • On-campus Student Housing Facilities statistics are a subset of On-Campus statistics.
Criminal Offenses201920202021
a. Murder/Non-negligent manslaughter000
b. Negligent manslaughter000
c. Rape000
d. Fondling111
e. Incest000
f. Statutory Rape000
g. Robbery000
h. Aggravated assault010
i. Burglary604
j. Motor vehicle theft000
k. Arson000
VAWA Offenses201920202021
a. Domestic violence000
b. Dating violence000
c. Stalking100
Arrests201920202021
a. Weapons: carrying, possessing, etc.000
b. Drug abuse violations100
c. Liquor law violations000
Disciplinary Actions201920202021
a. Weapons: carrying, possessing, etc.000
b. Drug abuse violations600
c. Liquor law violations441911
  • The crime data reported by the institutions have not been subjected to independent verification by the U.S. Department of Education. Therefore, the Department cannot vouch for the accuracy of the data reported here.
  • The crime statistics displayed only includes On-Campus data associated with the main campus as listed on College Navigator. For statistics associated with each campus location, off campus data, and for additional information covering Hate Crimes, and Fire statistics see https://ope.ed.gov/campussafety.
  • The On-Campus data do not include incidents that: (a) took place on public property, including thoroughfares, streets, sidewalks, and parking facilities, that is within the campus, or immediately adjacent to and accessible from the campus; (b) took place on any building or property owned or controlled by a student organization that is officially recognized by the institution; or (c) took place on any building or property owned or controlled by an institution that is used in direct support of, or in relation to, the institution's educational purposes, is frequently used by students, and is not within the same reasonably contiguous geographic area of the institution.
Three-year Official Cohort Default Rates
Fiscal Year202020192018
Default rate0.0%3.1%11.3%
Number in default01549
Number in repayment408471431
Aid Programs
  • Federal Direct Loan (Direct Loan)