Mortgage
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How Does LendingTree Get Paid?

LendingTree is compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.

What Is a Short Sale and How Does It Work?

Updated on:
Content was accurate at the time of publication.

A short sale occurs when a homeowner sells their property for less than what they owe on their mortgage. For sellers, it’s a way to avoid foreclosure if they can no longer afford their mortgage payments. For buyers, it’s a chance to purchase a home at a discount. Learn more about short sales and what they mean for both homebuyers and sellers.

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Key takeaways

  • A short sale transaction can help homeowners avoid foreclosure.
  • Buyers may qualify to purchase a short sale property for less than its market value.
  • It can take up to six months to complete a short sale.

A short sale is when a homeowner sells their home for a price that falls “short” of the outstanding loan amount owed to their mortgage lender. The lender uses the proceeds to cover the majority of the borrower’s mortgage balance when the house is sold. In some cases, the lender may forgive the remaining debt (known as the “deficiency”). Short sales can take up to six months to close.

A seller may consider a short sale if:

They are upside-down on their mortgage, can no longer afford their monthly payments and wish to avoid foreclosure.

A buyer may consider a short sale if:

They want to buy a home for a (potentially) lower price and are willing to deal with a longer closing process.

Short sales can occur when a homeowner is either behind on their mortgage payments or underwater on their mortgage, meaning they owe more on the loan than their home is worth. Though not as common as they were during the Great Recession of 2008, short sales do still occur.

One of the main drawbacks for homeowners is that they typically must wait two to four years after a short sale before buying another home with a conventional loan or FHA loan, while there often isn’t a waiting period for VA loans. However, your individual waiting period will vary depending on your credit history and lender.

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Short sale vs. foreclosure


Both short sales and foreclosures involve a homeowner losing their property. However, a short sale is often seen as preferable to foreclosure for the following reasons:

  • The homeowner voluntarily initiates a short sale, while the lender initiates a foreclosure
  • All or most of your mortgage debt will be paid off from the short sale proceeds, and your lender may forgive the remaining amount
  • A short sale may have a less severe impact on your credit score than a foreclosure
  • You may have a shorter waiting period for buying a home after a short sale than buying a home after foreclosure

Here’s what the short sale process may look like for homeowners:

  1. Submit a short sale application to your lender. If you’re a homeowner considering a short sale, the first step is to contact your lender for approval. You’ll likely need to provide proof of financial hardship, including bank statements or a termination notice from your employer.
  2. List your home for sale. Hire a real estate agent to list your home in the multiple listing service (MLS) database. Ideally, you’ll want to work with an agent who is experienced in short sales.
  3. Send offers to your lender. As the homeowner, you’re responsible for selling the property. However, the lender handles negotiations and must sign off on any purchase offers you receive.
  4. Complete the sale. After you receive an offer (and the lender approves it), the closing process begins. You won’t receive any money from your home sale, and you may still owe a balance to your lender.

ProsCons
You can buy a home for less than its market value.The process can take several months to complete.
Sellers are more likely to offer concessions to speed up the sale.
You won’t be able to negotiate repair costs because short sales are sold “as-is.”
Short sale homes may require fewer repairs than foreclosure properties.
It can be challenging to find an experienced real estate agent.
Short sale homes may have less competition than regular home sales.
Short sales aren’t always cheaper than regular home sales.

If you’re interested in buying a short sale home, here’s what the process may look like:

  1. Get a mortgage preapproval. Lenders will want to see that you’re financially prepared to buy the property. Securing a mortgage preapproval can help demonstrate your seriousness as a buyer and strengthen your offer.
  2. Find a home. Start by searching online for “preforeclosure” homes in your area. Some real estate marketplace websites offer filters that allow you to specifically search for these types of properties. In addition, working with a real estate agent who specializes in the short sale market can be helpful.
  3. Make an offer. When you find a home you’re interested in, submit an offer just as you would with a traditional home sale. Be sure to include your preapproval letter with your offer.
  4. Do your due diligence. Before officially buying the property, you’ll want to do your research to ensure it’s a good investment. This may involve a title search to ensure there are no liens on the home, and an inspection to learn more about the property’s condition.
  5. Close on the home. If all goes well, the lender will accept your offer, and you’ll enter the closing process. Similar to a traditional home sale, you can expect to pay closing costs.

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OPE IDInstitution NameCityCountryStatus
4240100American University of Antigua College of MedicineCoolidgeANTIGUAEligible
4182900Universidad Blas PascalCordobaARGENTINADeferment Only
4131000American University of ArmeniaYerevanARMENIADeferment Only
3136300Australian Catholic UniversityNorth SydneyAUSTRALIADeferment Only
1058800Australian National UniversityCanberraAUSTRALIAEligible
3590300Avondale CollegeCooranbongAUSTRALIADeferment Only
3095400Bond UniversityGold CoastAUSTRALIAEligible
3140400Charles Darwin UniversityDarwinAUSTRALIADeferment Only
2591800Curtin University of TechnologyBentleyAUSTRALIADeferment Only
3096900Deakin UniversityGeelongAUSTRALIADeferment Only
3140300Edith Cowan UniversityPerthAUSTRALIADeferment Only
1109100Flinders UniversityBedford ParkAUSTRALIAEligible
3104800Griffith UniversityBrisbaneAUSTRALIADeferment Only
1220600James Cook UniversityTownsvilleAUSTRALIAEligible
3096100La Trobe UniversityMelbourneAUSTRALIADeferment Only
1068100Macquarie UniversityNorth RydeAUSTRALIAEligible
1091400Monash UniversityClaytonAUSTRALIAEligible
2579600Murdoch UniversityMurdoch PerthAUSTRALIAEligible
3140500Queensland University of TechnologyBrisbaneAUSTRALIADeferment Only
3095000Royal Melbourne Institute of TechnologyMelbourneAUSTRALIADeferment Only
3140600Southern Cross UniversityEast LismoreAUSTRALIADeferment Only
3140700Swinburne University of TechnologyHawthornAUSTRALIADeferment Only
3100000University of Adelaide (The)AdelaideAUSTRALIADeferment Only
3091500University of CanberraBruceAUSTRALIADeferment Only
850500University of MelbourneMelbourneAUSTRALIAEligible
867000University of New South Wales (The)UNSW, SydneyAUSTRALIAEligible
2623200University of Newcastle (The)CallaghanAUSTRALIADeferment Only
3850400University of Notre Dame Australia (The)FremantleAUSTRALIADeferment Only
1069200University of Queensland (The)BrisbaneAUSTRALIAEligible
2181000University of South AustraliaAdelaideAUSTRALIADeferment Only
3141000University of Southern QueenslandToowoomba QueenslandAUSTRALIADeferment Only
3067200University of SydneyThe University of SydneyAUSTRALIAEligible
3150400University of Technology SydneyUltimoAUSTRALIAEligible
1109400University of Western Australia (The)PerthAUSTRALIAEligible
3097100University of Western SydneyWerringtonAUSTRALIADeferment Only
3091400University of WollongongWollongongAUSTRALIAEligible
3097300Victoria UniversityMelbourneAUSTRALIADeferment Only
3460300Katholische Hochschule ITITrumauAUSTRIAEligible
2246000Ross University, School of MedicineSt. MichaelBARBADOSEligible
4233300Antwerp Management SchoolAntwerpBELGIUMDeferment Only
768100College of EuropeBruggeBELGIUMDeferment Only
4245300Ghent UniversityGentBELGIUMDeferment Only
667100Katholieke Universiteit LeuvenLeuvenBELGIUMDeferment Only
838900Université de LiègeLiegeBELGIUMDeferment Only
837800Universiteit AntwerpenAntwerpBELGIUMDeferment Only
3105100Von Karman Inst For Fluid DynamicsRhodeBELGIUMDeferment Only
4222700University Sarajevo School of Science and TechnologySarajevoBOSNIA-HERCEGOVINADeferment Only
3764300St. Matthew's University School of MedicineGrand CaymanBRITISH WEST INDIESEligible
3442300American University in BulgariaBlagoevgradBULGARIAEligible
844900Acadia UniversityWolfvilleCANADAEligible
1221100Algonquin College of Applied Arts & TechnologyOttawaCANADADeferment Only
4156700Ambrose UniversityCalgaryCANADAEligible
4123100Atlantic School of TheologyHalifaxCANADADeferment Only
685200Bishop's UniversitySherbrokeCANADAEligible
942100Brandon UniversityBrandonCANADAEligible
1172200Briercrest College and SeminaryCaronportCANADAEligible
925200Brock UniversitySt CatharinesCANADAEligible
3335400Burman UniversityLacombeCANADAEligible
2116600Canadian Memorial Chiropractic CollegeNorth YorkCANADAEligible
3644400Canadian Mennonite UniversityWinnipegCANADADeferment Only
3674400Canadian Southern Baptist SeminaryCochraneCANADADeferment Only
3711300Capilano UniversityNorth VancouverCANADADeferment Only
836800Carleton UniversityOttawaCANADAEligible
2201100Columbia Bible CollegeAbbotsfordCANADAEligible
836500Concordia UniversityMontrealCANADAEligible
2593800Concordia University of EdmontonEdmontonCANADAEligible
3847300Crandall UniversityMonctonCANADAEligible
683800Dalhousie UniversityHalifaxCANADAEligible
4239200École nationale de cirque - National Circus SchoolMontrealCANADADeferment Only
2338800Emily Carr University of Art and DesignVancouverCANADADeferment Only
3420300Holland CollegeCharlottetownCANADAEligible
2184600Institute for Christian StudiesTorontoCANADADeferment Only
3273300Institute of Naturopathic Education and ResearchTorontoCANADAEligible
2611900King's University (The)EdmontonCANADAEligible
2102100Kingswood UniversitySussexCANADAEligible
3332500Kwantlen Polytechnic UniversitySurreyCANADADeferment Only
667700McGill UniversityMontrealCANADAEligible
4122700McMaster Divinity CollegeHamiltonCANADADeferment Only
685300McMaster UniversityHamiltonCANADAEligible
969800Medicine Hat CollegeMedicine HatCANADADeferment Only
950000Memorial University of NewfoundlandSt John'sCANADAEligible
950300Mount Allison UniversitySackvilleCANADAEligible
836300Mount Saint Vincent UniversityHalifaxCANADAEligible
3560400Niagara CollegeWellandCANADADeferment Only
1012300Nova Scotia College of Art & DesignHalifaxCANADADeferment Only
2095800Ontario College of Art and DesignTorontoCANADADeferment Only
3846300Pacific Life Bible CollegeSurreyCANADAEligible
2167000Prairie Bible InstituteThree HillsCANADADeferment Only
1227400Providence University College and Theological SeminaryOtterburneCANADAEligible
667900Queen's University at KingstonKingstonCANADAEligible
4075300Quest University CanadaSquamishCANADAEligible
2354700Red Deer CollegeRed DeerCANADADeferment Only
3348500Redeemer University CollegeAncasterCANADAEligible
1067500Regent CollegeVancouverCANADAEligible
1072000Ryerson UniversityTorontoCANADAEligible
836400Saint Mary's UniversityHalifaxCANADAEligible
1022100Saint Paul UniversityOttawaCANADAEligible
2577200Salvation Army William and Catherine Booth UniversityWinnipegCANADAEligible
1045800Sheridan CollegeOakvilleCANADADeferment Only
844400Simon Fraser UniversityBurnabyCANADAEligible
668200St Thomas UniversityFrederictonCANADAEligible
668100St. Francis Xavier UniversityAntigonishCANADAEligible
3339300St. Stephen's UniversitySt. StephenCANADAEligible
950500Trent UniversityPeterboroughCANADADeferment Only
948600Trinity Western UniversityLangleyCANADAEligible
2216400Tyndale UniversityTorontoCANADAEligible
836600Universite de MontrealMontrealCANADAEligible
683700Universite LavalQuebecCANADAEligible
836200University of Alberta (The)EdmontonCANADAEligible
836900University of British ColumbiaVancouverCANADAEligible
787400University of CalgaryCalgaryCANADAEligible
668300University of GuelphGuelphCANADAEligible
950100University of King's CollegeHalifaxCANADAEligible
1070300University of LethbridgeLethbridgeCANADADeferment Only
668400University of ManitobaWinnipegCANADAEligible
668500University of New Brunswick (The)FrederictonCANADAEligible
3613300University of Northern British ColumbiaPrince GeorgeCANADAEligible
4217300University of Ontario Institute of TechnologyOshawaCANADADeferment Only
668600University of OttawaOttawaCANADAEligible
936700University of Prince Edward IslandCharlottetownCANADAEligible
844800University of ReginaReginaCANADADeferment Only
2219200University of SaskatchewanSaskatoonCANADADeferment Only
668800University of TorontoTorontoCANADAEligible
837000University of VictoriaVictoriaCANADAEligible
852600University of WaterlooWaterlooCANADAEligible
844600University of Western Ontario (The)LondonCANADAEligible
668900University of WindsorWindsorCANADAEligible
814800University of Winnipeg (The)WinnipegCANADAEligible
3078300Vancouver School of TheologyVancouverCANADAEligible
858200Wilfrid Laurier UniversityWaterlooCANADAEligible
767900York UniversityTorontoCANADAEligible
4288700Colegio Mayor de Nuestra Senora del RosarioBogotaCOLOMBIADeferment Only
4288800Corporacion Universitaria Minuto de Dios- UNIMINUTOBogotaCOLOMBIADeferment Only
4288500Institucion Universitaria Colombo Americana UNICABogota D.C.COLOMBIADeferment Only
4288600Pontificia Universidad JaverianaBogota D.C.COLOMBIADeferment Only
4289400Universidad Catolica de ColombiaBogotaCOLOMBIADeferment Only
4156900Universidad de la SabanaChiaCOLOMBIADeferment Only
2250100Universidad De Los Andes (University of the Andes)BogotaCOLOMBIADeferment Only
4289200Universidad del NorteBarranquillaCOLOMBIADeferment Only
4289300Universidad IcesiCaliCOLOMBIADeferment Only
4288300Universidad Sergio ArboledaBogotaCOLOMBIADeferment Only
4252500Universidad Autonoma De Centro AmericaSan JoseCOSTA RICADeferment Only
3653400Universidad de IberoaméricaSan JoseCOSTA RICAEligible
3993500Anglo-americka vysoka skola, z.u.PragueCZECH REPUBLICDeferment Only
3386300Charles University in Prague, Faculty of Medicine in HradecHradec Kralove 1CZECH REPUBLICDeferment Only
3300400Charles University, First Faculty of MedicinePrague 2CZECH REPUBLICEligible
4228500Czech University of Life SciencesPragueCZECH REPUBLICDeferment Only
3565300Masarykova UniverzitaBrnoCZECH REPUBLICEligible
1122600Aarhus UniversityAarhus CDENMARKEligible
3873300Copenhagen Business SchoolFrederiksbergDENMARKEligible
669000University of CopenhagenCopenhagenDENMARKEligible
1281100Instituto Tecnologico de Santo DomingoSanto DomingoDOMINICAN REPUBLICEligible
1280200Pontificia Universidad Catolica Madre y MaestraSantiagoDOMINICAN REPUBLICEligible
3334300Universidad Católica NordestanaSan Francisco de MacorisDOMINICAN REPUBLICEligible
1097700Universidad Central del EsteSan Pedro de MacorisDOMINICAN REPUBLICEligible
2351800Universidad Iberoamericana (UNIBE)Santo DimingoDOMINICAN REPUBLICEligible
503400American University In Cairo (The)New CairoEGYPTEligible
3435300Anglia Ruskin UniversityChelmsfordENGLANDEligible
3589400Arts University BournemouthPooleENGLANDEligible
1225800Aston UniversityBirminghamENGLANDEligible
3533300Bath Spa UniversityBathENGLANDEligible
1221500Birmingham City UniversityBirminghamENGLANDEligible
3350300Bournemouth UniversityPooleENGLANDEligible
1079400Bristol Old Vic Theatre SchoolBristolENGLANDEligible
1178000Brunel University LondonMiddlesexENGLANDEligible
4295000Buckinghamshire New UniversityHigh WycombeENGLANDEligible
869300City, University of LondonLondonENGLANDEligible
4238100Cliff CollegeCalverENGLANDEligible
1049300Cranfield UniversityBedfordENGLANDEligible
2310500De Montfort UniversityLeicesterENGLANDEligible
4252200Edge Hill UniversityOrmskirkENGLANDEligible
3859400Falmouth UniversityFalmouthENGLANDEligible
1176500Goldsmiths College - University of LondonLondonENGLANDEligible
2196700Guildhall School of Music & DramaLondonENGLANDEligible
4279500Hartpury UniversityHartpuryENGLANDEligible
4180700Heythrop College, University of LondonLondonENGLANDDeferment Only
1156700Imperial College LondonLondonENGLANDEligible
908500King's College LondonLondonENGLANDEligible
1081600Kingston UniversityKingston Upon ThamesENGLANDEligible
4262300Leeds Arts UniversityLeedsENGLANDEligible
3501400Leeds Beckett UniversityLeedsENGLANDEligible
4115900Liverpool Hope UniversityLiverpoolENGLANDEligible
3287300Liverpool Institute for Performing Arts (The)LiverpoolENGLANDEligible
3580300Liverpool John Moores UniversityLiverpoolENGLANDEligible
2108600London Academy of Music & Dramatic ArtLondonENGLANDEligible
4134200London Contemporary Dance SchoolLondonENGLANDEligible
1057400London Film SchoolLondonENGLANDEligible
2235300London Metropolitan UniversityLondonENGLANDEligible
3352300London South Bank UniversityLondonENGLANDEligible
845800Loughborough UniversityLoughboroughENGLANDEligible
3033300Manchester Metropolitan University (The)ManchesterENGLANDEligible
2180500Middlesex UniversityLondonENGLANDEligible
2496700National Film & Television SchoolBeaconsfield, BucksENGLANDEligible
3770300Nazarene Theological CollegeManchesterENGLANDEligible
4076300Newcastle CollegeNewcastle upon TyneENGLANDDeferment Only
4282900Northern School of Contemporary DanceLeedsENGLANDEligible
4244500Norwich University of the ArtsNorwichENGLANDEligible
3092500Nottingham Trent UniversityNottinghamENGLANDEligible
2087900Oxford Brookes UniversityHeadingtonENGLANDEligible
669700Queen Mary University of LondonLondonENGLANDEligible
4253500Ravensbourne University LondonLondonENGLANDEligible
1059400Richmond, The American International University in LondonLondonENGLANDEligible
2101900Roehampton UniversityLondonENGLANDEligible
3807300Rose Bruford College of Theatre and PerformanceSidcupENGLANDEligible
1176400Royal Academy of MusicLondonENGLANDEligible
4181800Royal Agricultural UniversityCirencesterENGLANDDeferment Only
1008900Royal Central School of Speech and Drama (The)LondonENGLANDEligible
942300Royal College of ArtLondonENGLANDEligible
1233500Royal College of MusicLondonENGLANDEligible
2320500Royal Northern College of MusicManchesterENGLANDEligible
3824300Royal Veterinary College (The), University of LondonLondonENGLANDEligible
2561600Solent UniversitySouthamptonENGLANDEligible
2266600St George's Hospital Medical SchoolLondonENGLANDEligible
4143700St Mary's University, TwickenhamTwickenham LondonENGLANDEligible
4275700Staffordshire UniversityStoke-on-TrentENGLANDEligible
1052000Trinity Laban Conservatoire of Music and DanceGreenwichENGLANDEligible
4212900University College BirminghamBirminghamENGLANDEligible
2338900University for the Creative ArtsFarnhamENGLANDEligible
1167900University of BathBathENGLANDEligible
890800University of Birmingham (The)BirminghamENGLANDEligible
1219800University of BradfordBradfordENGLANDEligible
3517300University of BrightonBrightonENGLANDEligible
763200University of BristolBristolENGLANDEligible
3012700University of BuckinghamBuckinghamENGLANDEligible
403000University of CambridgeCambridgeENGLANDEligible
2207300University of Cambridge - Christ's CollegeCambridgeENGLANDEligible
1033200University of Cambridge - Clare CollegeCambridgeENGLANDEligible
2271700University of Cambridge - Clare HallCambridgeENGLANDEligible
2167400University of Cambridge - Corpus Christi CollegeCambridgeENGLANDEligible
2052400University of Cambridge - Darwin CollegeCambridgeENGLANDEligible
685000University of Cambridge - Downing CollegeCambridgeENGLANDEligible
2186100University of Cambridge - Emmanuel CollegeCambridgeENGLANDEligible
992700University of Cambridge - Fitzwilliam CollegeCambridgeENGLANDEligible
1210100University of Cambridge - Girton CollegeCambridgeENGLANDEligible
1230200University of Cambridge - Gonville & Caius CollegeCambridgeENGLANDEligible
2142000University of Cambridge - Homerton CollegeCambridgeENGLANDEligible
2232100University of Cambridge - Hughes HallCambridgeENGLANDEligible
2296300University of Cambridge - Jesus CollegeCambridgeENGLANDEligible
2177700University of Cambridge - King's CollegeCambridgeENGLANDEligible
2116700University of Cambridge - Lucy Cavendish CollegeCambridgeENGLANDEligible
2186000University of Cambridge - Magdalene CollegeCambridgeENGLANDEligible
2272200University of Cambridge - Murray Edwards CollegeCambridgeENGLANDEligible
2087400University of Cambridge - Newnham CollegeCambridgeENGLANDEligible
669100University of Cambridge - Pembroke CollegeCambridgeENGLANDEligible
1175800University of Cambridge - PeterhouseCambridgeENGLANDEligible
2082400University of Cambridge - Queen's CollegeCambridgeENGLANDEligible
2212300University of Cambridge - Robinson CollegeCambridgeENGLANDEligible
1283900University of Cambridge - Saint John's CollegeCambridgeENGLANDEligible
3494400University of Cambridge - Selwyn CollegeCambridgeENGLANDEligible
2133400University of Cambridge - Sidney Sussex CollegeCambridgeENGLANDEligible
2094400University of Cambridge - St Edmund's CollegeCambridgeENGLANDEligible
3492400University of Cambridge - St. Catharine's CollegeCambridgeENGLANDEligible
1207500University of Cambridge - Trinity CollegeCambridgeENGLANDEligible
2335100University of Cambridge - Trinity HallCambridgeENGLANDEligible
2083400University of Cambridge - Wolfson CollegeCambridgeENGLANDEligible
1019000University of Cambridge Churchill CollegeCambridgeENGLANDEligible
3515300University of Central LancashireLancashireENGLANDEligible
4170900University of ChesterChesterENGLANDEligible
3694300University of ChichesterChichesterENGLANDEligible
3728300University of DerbyDerbyENGLANDEligible
858700University of DurhamDurhamENGLANDEligible
1091500University of East AngliaNorwichENGLANDEligible
3045000University of East LondonLondonENGLANDEligible
868700University of EssexColchesterENGLANDEligible
944200University of ExeterExeterENGLANDEligible
3619300University of GreenwichLondonENGLANDEligible
1052500University of HertfordshireHatfieldENGLANDEligible
1297800University of Huddersfield (The)HuddersfieldENGLANDEligible
891000University of HullHullENGLANDEligible
3029400University of KeeleKeeleENGLANDEligible
866500University of KentCanterburyENGLANDEligible
944400University of LancasterLancasterENGLANDEligible
669200University of LeedsLeedsENGLANDEligible
2229100University of LeicesterLeicesterENGLANDEligible
3684400University of LincolnLincolnENGLANDEligible
924900University of Liverpool (The)LiverpoolENGLANDEligible
2095500University of London - London Business SchoolLondonENGLANDEligible
669300University of London - London School of Economics &LondonENGLANDEligible
2210000University of London - London School of Hygiene & TropicalLondonENGLANDEligible
908600University of London - Royal HollowayEghamENGLANDEligible
669600University of London - School of Advanced StudyLondonENGLANDEligible
669400University of London - School of Oriental & African StudiesLondonENGLANDEligible
2120000University of London - The Courtauld Institute of ArtLondonENGLANDEligible
669500University of London - University College LondonLondonENGLANDEligible
908400University of London, BirkbeckLondonENGLANDEligible
1213600University of Manchester (The)ManchesterENGLANDEligible
846000University of Newcastle upon TyneNewcastle upon TyneENGLANDEligible
3029500University of Northumbria at NewcastleNewcastle Upon TyneENGLANDEligible
892000University of NottinghamNottinghamENGLANDEligible
839400University of OxfordOxfordENGLANDEligible
1009000University of Oxford - Balliol CollegeOxfordENGLANDEligible
2271900University of Oxford - BlackfriarsOxfordENGLANDEligible
1107200University of Oxford - Brasenose CollegeOxfordENGLANDEligible
2271800University of Oxford - Campion HallOxfordENGLANDEligible
1107100University of Oxford - Christ Church CollegeOxfordENGLANDEligible
1008800University of Oxford - Corpus Christi CollegeOxfordENGLANDEligible
1107000University of Oxford - Exeter CollegeOxfordENGLANDEligible
3492300University of Oxford - Green Templeton CollegeOxfordENGLANDEligible
3494600University of Oxford - Harris Manchester CollegeOxfordENGLANDEligible
1106900University of Oxford - Hertford CollegeOxfordENGLANDEligible
1106800University of Oxford - Jesus CollegeOxfordENGLANDEligible
1106700University of Oxford - Keble CollegeOxfordENGLANDEligible
1105500University of Oxford - Lady Margaret HallOxfordENGLANDEligible
1276500University of Oxford - Linacre CollegeOxfordENGLANDEligible
1106600University of Oxford - Lincoln CollegeOxfordENGLANDEligible
1086600University of Oxford - Magdalen CollegeOxfordENGLANDEligible
1183800University of Oxford - Mansfield CollegeOxfordENGLANDEligible
1106500University of Oxford - Merton CollegeOxfordENGLANDEligible
1106400University of Oxford - New CollegeOxfordENGLANDEligible
1106300University of Oxford - Nuffield CollegeOxfordENGLANDEligible
1106200University of Oxford - Oriel CollegeOxfordENGLANDEligible
1106100University of Oxford - Pembroke CollegeOxfordENGLANDEligible
1106000University of Oxford - Queen's CollegeOxfordENGLANDEligible
1220100University of Oxford - Regent's Park CollegeOxfordENGLANDEligible
1098000University of Oxford - Somerville CollegeOxfordENGLANDEligible
1105400University of Oxford - St Anne's CollegeOxfordENGLANDEligible
1105900University of Oxford - St Antony's CollegeOxfordENGLANDEligible
3494500University of Oxford - St Benet's HallOxfordENGLANDEligible
963400University of Oxford - St Catherine's CollegeOxfordENGLANDEligible
1105800University of Oxford - St Edmund HallOxfordENGLANDEligible
1105300University of Oxford - St Hilda's CollegeOxfordENGLANDEligible
1094200University of Oxford - St Hugh's CollegeOxfordENGLANDEligible
1086700University of Oxford - St John's CollegeOxfordENGLANDEligible
1008700University of Oxford - St Peter's CollegeOxfordENGLANDEligible
1105700University of Oxford - Trinity CollegeOxfordENGLANDEligible
1105600University of Oxford - University CollegeOxfordENGLANDEligible
1099900University of Oxford - Wadham CollegeOxfordENGLANDEligible
1227500University of Oxford - Wolfson CollegeOxfordENGLANDEligible
1078900University of Oxford - Worcester CollegeOxfordENGLANDEligible
2183500University of Oxford - Wycliffe HallOxfordENGLANDEligible
4227300University of Oxford-St. Stephen's HouseOxfordENGLANDEligible
2352100University of PlymouthPlymouthENGLANDEligible
2115900University of PortsmouthPortsmouthENGLANDEligible
1014300University of ReadingReadingENGLANDEligible
900600University of Salford (The)SalfordENGLANDEligible
839800University of Sheffield (The)SheffieldENGLANDEligible
839900University of SouthamptonSouthamptonENGLANDEligible
3507300University of SunderlandSunderlandENGLANDEligible
986000University of SurreyGuildfordENGLANDEligible
669900University of SussexBrightonENGLANDEligible
3473300University of the Arts LondonLondonENGLANDEligible
2194800University of the West of England, BristolBristolENGLANDEligible
838000University of WarwickCoventryENGLANDEligible
3945300University of West London (The)EalingENGLANDEligible
2195100University of WestminsterLondonENGLANDEligible
2149700University of Winchester (The)WinchesterENGLANDEligible
3085100University of WolverhamptonWolverhamptonENGLANDEligible
4128600University of WorcesterWorcesterENGLANDEligible
670000University of YorkYorkENGLANDEligible
4032300York St John UniversityYorkENGLANDEligible
1123000Sibelius AcademyHelsinkiFINLANDDeferment Only
3085000University of Turku (Turun yliopisto)TurkuFINLANDDeferment Only
4278200American Business School of ParisParisFRANCEDeferment Only
3816400American Graduate School in ParisParisFRANCEEligible
788100American University of ParisParisFRANCEEligible
2293400Ecole des Hautes Etudes CommercialesJouy-En-JosasFRANCEEligible
4116300EDHEC Business SchoolRoubaix Cedex 1FRANCEEligible
3095900ESSEC Business SchoolCergy-Pontoise CedexFRANCEEligible
3594300Grenoble Ecole de ManagementGrenobleFRANCEEligible
1047200INSEADFontainebleauFRANCEEligible
3820300Institut d'Economie Scientifique et de GestionLilleFRANCEDeferment Only
1059900Institut D'Etudes Politiques De ParisParisFRANCEEligible
3897400International Space UniversityIllkirch-GraffenstadenFRANCEEligible
3682300Kedge Business SchoolTalenceFRANCEDeferment Only
4159800Rennes School of BusinessRennesFRANCEEligible
2354800Universite Paris 1 Panthéon-Sorbonne75231 Paris Cedex 05FRANCEDeferment Only
4266200Universite Toulouse 1 CapitoleToulouseFRANCEDeferment Only
3043800Akademie der Bildenden Künste MünchenMunchenGERMANYDeferment Only
3056900Akademie der Bildenden Künste NürnbergNurnbergGERMANYDeferment Only
2147900Albert-Ludwigs-Universitat Freiburg im BreisgauFreiburg/BreisgauGERMANYDeferment Only
3037800Alice Salomon Hochschule BerlinBerlinGERMANYDeferment Only
3056700Augustana-Hochschule NeuendettelsauNeuendettelsauGERMANYDeferment Only
3119300Bauhaus Universitat WeimarWeimarGERMANYDeferment Only
3050300Bergische Universität WuppertalWuppertalGERMANYDeferment Only
3054500Beuth Hochschule für Technik BerlinBerlinGERMANYDeferment Only
3311900Brandenburgische Technische Universitat Cottbus-CottbusGERMANYDeferment Only
4009900Bucerius Law School - Hochschule fur RechtswissenschaftHamburgGERMANYDeferment Only
3117700Burg Giebichenstein Kunsthochschule HalleHalleGERMANYDeferment Only
3046500Carl von Ossietzky Universitat OldenburgOldenburgGERMANYDeferment Only
2238900Christian Albrechts Universitat zu KielKielGERMANYDeferment Only
3048800Deutsche Hochschule fur VerwaltungswissenschaftenSpeyerGERMANYDeferment Only
1225100Deutsche Sporthochschule KolnKolnGERMANYDeferment Only
4196200Duale Hochschule Baden-WürttembergStuttgartGERMANYDeferment Only
3049300Eberhard-Karls-Universitat-TubingenTubingenGERMANYDeferment Only
4015700EBS Universität für Wirtschaft und RechtWiesbadenGERMANYDeferment Only
3117900Ernst-Abbe-Hochschule Jena-University of Applied SciencesJenaGERMANYDeferment Only
3086100Ernst-Moritz-Arndt Universitat GreifswaldGreifswaldGERMANYDeferment Only
4176500ESMT European School of Management and TechnologyBerlinGERMANYEligible
3041900Europa-Universität FlensburgFlensburgGERMANYDeferment Only
3121700Europa-Universitat Viadrina Frankfurt(Oder)Frankfurt(Oder)GERMANYDeferment Only
3040700Evangelische Fachhochschule DarmstadtDarmstadtGERMANYDeferment Only
3055000Evangelische Fachhochschule Rheinland-Westfalen LippeBochumGERMANYDeferment Only
3054700Evangelische Hochschule BerlinBerlinGERMANYDeferment Only
3053800Evangelische Hochschule Freiburg, staatlich anerkannteFreiburgGERMANYDeferment Only
3046000Evangelische Hochschule für soziale Arbeit und DiakonieHamburgGERMANYDeferment Only
4016400Evangelische Hochschule Ludwigsburg, Hochschule fürLudwigsburgGERMANYDeferment Only
3044300Evangelische Hochschule NurnbergNurnbergGERMANYDeferment Only
3037000Fachhochschule AachenAachenGERMANYDeferment Only
3054900Fachhochschule BielefeldBielfeldGERMANYDeferment Only
3041000Fachhochschule DortmundDortmundGERMANYDeferment Only
3117600Fachhochschule ErfurtErfurtGERMANYDeferment Only
3048400Fachhochschule KielKielGERMANYDeferment Only
3056100Fachhochschule LubeckLubeckGERMANYDeferment Only
3044200Fachhochschule MunsterMunsterGERMANYDeferment Only
3118700Fachhochschule PotsdamPotsdamGERMANYDeferment Only
3119100Fachhochschule StralsundStralsundGERMANYDeferment Only
3060100Fachhochschule SüdwestfalenIserlohnGERMANYDeferment Only
3117800Fachhochschule Westkuste Hochschule für Wirtschaft undHeideGERMANYDeferment Only
3045700Fernuniversitat in HagenHagenGERMANYDeferment Only
3118800Filmuniversität Babelsberg Konrad WolfPotsdamGERMANYDeferment Only
3057300Folkwang Universität der KünsteEssenGERMANYDeferment Only
4015300Frankfurt School of Finance & Management gGmbHFrankfurt am MainGERMANYEligible
3058100Frankfurt University of Applied SciencesFrankfurtGERMANYDeferment Only
949000Freie Universitat BerlinBerlinGERMANYDeferment Only
838100Friedrich-Alexander-Universitat Erlangen-NurnbergErlangenGERMANYDeferment Only
3086800Friedrich-Schiller-Universitat JenaJenaGERMANYDeferment Only
845500Georg-August Universitat GottingenGottingenGERMANYDeferment Only
2283300Goethe-Universität Frankfurt am MainFrankfurtGERMANYDeferment Only
3044900Gottfried Wilhelm Leibniz Universität HannoverHannoverGERMANYDeferment Only
1084000Heinrich-Heine-Universitat DusseldorfDusseldorfGERMANYDeferment Only
3058900Helmut-Schmidt-Universität/Universität der BundeswehrHamburgGERMANYDeferment Only
4128700Hertie SchoolBerlinGERMANYEligible
3818300HHL Leipzig Graduate School of ManagementLeipzigGERMANYEligible
3056200Hochschule MannheimMannheimGERMANYDeferment Only
3037100Hochschule Aalen - Technik und WirtschaftAalenGERMANYDeferment Only
3048700Hochschule Albstadt-SigmaringenSigmaringenGERMANYDeferment Only
3118200Hochschule AnhaltKothenGERMANYDeferment Only
3054800Hochschule BiberachBiberachGERMANYDeferment Only
3039200Hochschule Bochum - University of Applied SciencesBochumGERMANYDeferment Only
3312800Hochschule Bonn-Rhein-Sieg, University of Applied SciencesSankt AugustinGERMANYDeferment Only
3050000Hochschule Braunschweig/Wolfenbüttel, OstfaliaWolfenbuttelGERMANYDeferment Only
3055200Hochschule BremenBremenGERMANYDeferment Only
3055300Hochschule BremerhavenBremerhavenGERMANYDeferment Only
3039800Hochschule DarmstadtDarmstadtGERMANYDeferment Only
3313000Hochschule der Bildenden Kunste SaarSaarbruckenGERMANYDeferment Only
3049000Hochschule der Medien StuttgartStuttgartGERMANYDeferment Only
3041100Hochschule DusseldorfDusseldorfGERMANYDeferment Only
3057400Hochschule Emden/LeerEmdenGERMANYDeferment Only
3057600Hochschule EsslingenEsslingenGERMANYDeferment Only
3043400Hochschule Fulda - University of Applied SciencesFuldaGERMANYDeferment Only
3047700Hochschule für angewandte Wissenschaft und Kunst,HildesheimGERMANYDeferment Only
3037300Hochschule für angewandte Wissenschaften -AugsburgGERMANYDeferment Only
3311400Hochschule für angewandte Wissenschaften -AnsbachGERMANYDeferment Only
4015500Hochschule für angewandte Wissenschaften -AschaffenburgGERMANYDeferment Only
3058200Hochschule für angewandte Wissenschaften -RosenheimGERMANYDeferment Only
3058500Hochschule für angewandte Wissenschaften -FreisingGERMANYDeferment Only
3055400Hochschule für angewandte Wissenschaften CoburgCoburgGERMANYDeferment Only
3060200Hochschule für angewandte WissenschaftenWurzburgGERMANYDeferment Only
2303000Hochschule fur Angewandte Wissenschaften HamburgHamburgGERMANYDeferment Only
3312200Hochschule für Angewandte Wissenschaften HofHofGERMANYDeferment Only
3048300Hochschule für angewandte Wissenschaften KemptenKemptenGERMANYDeferment Only
3043600Hochschule für angewandte Wissenschaften MünchenMunchenGERMANYDeferment Only
4017800Hochschule für angewandte Wissenschaften Neu-UlmNeu-UlmGERMANYDeferment Only
3039400Hochschule Fur Bildende Kunste BraunschwiegBraunschweigGERMANYDeferment Only
4007400Hochschule fur Bildende Kunste DresdenDresdenGERMANYDeferment Only
3044600Hochschule für Bildende Künste HamburgHamburgGERMANYDeferment Only
3312900Hochschule fur Forstwirtschaft RottenburgRottenburgGERMANYDeferment Only
3046300Hochschule Fur Gestaltung - OffenbachOffenbachGERMANYDeferment Only
3048500Hochschule Fur Gestaltung Schwäbisch GmündSchwabisch-GmundGERMANYDeferment Only
4200800Hochschule für Gesundheit - University of Applied SciencesBochumGERMANYDeferment Only
4008000Hochschule fur Grafik und Buchkunst LeipzigLeipzigGERMANYDeferment Only
4015900Hochschule fur Judische Studien HeidelbergHeidelbergGERMANYDeferment Only
3117400Hochschule für Künste BremenBremenGERMANYDeferment Only
3312100Hochschule fur Musik 'Carl Maria von Weber' DresdenDresdenGERMANYDeferment Only
3055500Hochschule für Musik DetmoldDetmoldGERMANYDeferment Only
3119400Hochschule für Musik 'Franz Liszt' WeimarWeimarGERMANYDeferment Only
3121300Hochschule fur Musik 'Hanns Eisler' BerlinBerlinGERMANYDeferment Only
3048200Hochschule Fur Musik KarlsruheKarlsruheGERMANYDeferment Only
4018300Hochschule für Musik NürnbergNurnbergGERMANYDeferment Only
3047400Hochschule für Musik SaarSaarbruckenGERMANYDeferment Only
1072300Hochschule für Musik und Darstellende Kunst FrankfurtFrankfurtGERMANYDeferment Only
3055700Hochschule für Musik und Tanz KölnKolnGERMANYDeferment Only
3122100Hochschule fur Musik und Theater 'Felix MendelssohnLeipzigGERMANYDeferment Only
3044700Hochschule Fur Musik Und Theater HamburgHamburgGERMANYDeferment Only
3044000Hochschule Fur Musik und Theater MunchenMunchenGERMANYDeferment Only
4009800Hochschule fur Musik und Theater RostockRostockGERMANYDeferment Only
3050200Hochschule Fur Musik WurzburgWurzburgGERMANYDeferment Only
3059200Hochschule für Musik, Theater und Medien HannoverHannoverGERMANYDeferment Only
3121600Hochschule für Nachhaltige Entwicklung EberswaldeEberswaldeGERMANYDeferment Only
3056300Hochschule Fur PhilosophieMunchenGERMANYDeferment Only
3311600Hochschule für Schauspielkunst 'Ernst Busch'BerlinGERMANYDeferment Only
3058800Hochschule Fur Technik- StuttgartStuttgartGERMANYDeferment Only
3117200Hochschule für Technik und Wirtschaft BerlinBerlinGERMANYDeferment Only
3047300Hochschule für Technik und Wirtschaft des SaarlandesSaarbruckenGERMANYDeferment Only
3121500Hochschule fur Technik und Wirtschaft Dresden (FH)DresdenGERMANYDeferment Only
3122000Hochschule fur Technik, Wirtschaft und Kultur LeipzigLeipzigGERMANYDeferment Only
3046400Hochschule für Technik, Wirtschaft und Medien OffenburgOffenburgGERMANYDeferment Only
3054600Hochschule für Wirtschaft und Recht BerlinBerlinGERMANYDeferment Only
3044400Hochschule für Wirtschaft und Umwelt - Nürtingen-NürtingenGERMANYDeferment Only
3043500Hochschule Furtwangen - Informatik, Technik, Wirtschaft,FurtwangenGERMANYDeferment Only
4198200Hochschule Hamm-LippstadtHammGERMANYDeferment Only
3045100Hochschule HannoverHannoverGERMANYDeferment Only
3122300Hochschule Harz, Hochschule für angewandteWernigerodeGERMANYDeferment Only
3047600Hochschule Heilbronn, Technik, Wirtschaft, InformatikHeilbronnGERMANYDeferment Only
3312400Hochschule Kaiserslautern (University of Applied Sciences)KaiserslauternGERMANYDeferment Only
3048000Hochschule Karlsruhe - Technik und WirtschaftKarlsruheGERMANYDeferment Only
3312500Hochschule KoblenzKoblenzGERMANYDeferment Only
3037700Hochschule Konstanz Technik, Wirtschaft und GestaltungKonstanzGERMANYDeferment Only
3055900Hochschule Landshut-Hochschule für angewandteLandshutGERMANYDeferment Only
3312600Hochschule Ludwigshafen am RheinLudwigshafenGERMANYDeferment Only
3122200Hochschule Magdeburg-StendalMagdeburgGERMANYDeferment Only
3312700Hochschule MainzMainzGERMANYDeferment Only
3118400Hochschule MerseburgMerseburgGERMANYDeferment Only
3118500Hochschule Mittweida, University of Applied SciencesMittweidaGERMANYDeferment Only
3118600Hochschule Neubrandenburg - University of AppliedNeubrandenburgGERMANYDeferment Only
3037900Hochschule NiederrheinKrefeldGERMANYDeferment Only
4018600Hochschule NordhausenNordhausenGERMANYDeferment Only
3057500Hochschule OsnabrückOsnabruckGERMANYDeferment Only
3038100Hochschule Ostwestfalen-LippeLemgoGERMANYDeferment Only
3046800Hochschule Pforzheim - Gestaltung, Technik, Wirtschaft undPforzheimGERMANYDeferment Only
3049700Hochschule Ravensburg-WeingartenWeingartenGERMANYDeferment Only
3047100Hochschule Reutlingen, Hochschule für Technik- Wirtschaft-ReutlingenGERMANYDeferment Only
3049800Hochschule RheinMain, RheinMain University of AppliedWiesbadenGERMANYDeferment Only
4196600Hochschule Rhein-Waal - University of Applied SciencesKleveGERMANYDeferment Only
4196500Hochschule Ruhr West- University of Applied SciencesMülheimGERMANYDeferment Only
3118900Hochschule SchmalkaldenSchmalkaldenGERMANYDeferment Only
3313100Hochschule Trier - Trier University of Applied SciencesTrierGERMANYDeferment Only
3049400Hochschule Ulm Technik, Informatik und MedienUlmGERMANYDeferment Only
3313300Hochschule Wismar - University of Applied Sciences:WismarGERMANYDeferment Only
3313400Hochschule Worms, University of Applied SciencesWormsGERMANYDeferment Only
3313500Hochschule Zittau/GorlitzZittauGERMANYDeferment Only
3042000Hoschschule FlensburgFlensburgGERMANYDeferment Only
3085900Humboldt-Universitat Zu BerlinBerlinGERMANYDeferment Only
4010600Jacobs University BremenBremenGERMANYDeferment Only
4195800Jade Hochschule Wilhelmshaven/Oldenburg/ElsflethWilhelmshavenGERMANYDeferment Only
1059800Johannnes Gutenberg-Universität MainzMainzGERMANYDeferment Only
942700Julius-Maximilians-Universität WürzburgWurzburgGERMANYDeferment Only
3045500Justus Liebig Universitat GiebenGiessenGERMANYDeferment Only
1079600Karlsruher Institut für TechnologieKarlsruheGERMANYDeferment Only
3040300Katholische Fachhochschule MainzMainzGERMANYDeferment Only
3042300Katholische Hochschule Freiburg, staatlich anerkannteFreiburgGERMANYDeferment Only
4008600Katholische Hochschule für Sozialwesen Berlin (KHSB) -BerlinGERMANYDeferment Only
3037400Katholische Hochschule Nordrhein-Westfalen - CatholicKolnGERMANYDeferment Only
3043700Katholische Stiftungsfachhochschule MünchenMunchenGERMANYDeferment Only
3041300Katholische Universität Eichstätt - IngolstadtEichstattGERMANYDeferment Only
3060300Kirchliche Hochschule Wuppertal/Bethel - - (Hochschule fürWuppertalGERMANYDeferment Only
3055600Kunstakademie DüsseldorfDusseldorfGERMANYDeferment Only
3056500Kunstakademie Munster Hochschule fur Bildende KunsteMunsterGERMANYDeferment Only
3118100Kunsthochschule fur Medien KolnKolnGERMANYDeferment Only
3039100Leuphana Universität LüneburgLuneburgGERMANYDeferment Only
839200Ludwig-Maximilians-Universitat MunchenMunchenGERMANYDeferment Only
3057200Lutherische Theologische - Hochschule OberurselOberurselGERMANYDeferment Only
3086200Martin-Luther-Universitat Halle-WittenbergHalleGERMANYDeferment Only
3044800Medizinische Hochschule HannoverHannoverGERMANYDeferment Only
3038900Musikhochschule LübeckLubeckGERMANYDeferment Only
4010300Muthesius KunsthochschuleKielGERMANYDeferment Only
3311300Ostbayeriche Technische Hochschule Amber-WeidenAmbergGERMANYDeferment Only
3047000Ostbayerische Technische Hochschule RegensburgRegensburgGERMANYDeferment Only
2493200Otto-Friedrich-Universitat BambergBambergGERMANYDeferment Only
3118300Otto-von-Guericke-Universitat MagdeburgMagdeburgGERMANYDeferment Only
3042200Pädagogische Hochschule FreiburgFreiburg/BreisgauGERMANYDeferment Only
3045200Padagogische Hochschule HeidelbergHeidelbergGERMANYDeferment Only
3047900Padagogische Hochschule KarlsruheKarlsruheGERMANYDeferment Only
3038300Padagogische Hochschule LudwigsburgLudwigsburgGERMANYDeferment Only
3047500Padagogische Hochschule Schwabisch-GmundSchwabisch-GmundGERMANYDeferment Only
3049600Padagogische Hochschule- WeingartenWeingartenGERMANYDeferment Only
4007300Palucca Schule Dresden - Hochschule fur TanzDresdenGERMANYDeferment Only
684100Philipps-Universität MarburgMarburgGERMANYDeferment Only
3058300Philosophisch-Theologische Hochschule Sankt GeorgenFrankfurtGERMANYDeferment Only
3038700Rheinische Friedrich-Wilhelms-Universität BonnBonnGERMANYDeferment Only
3037600Rheinisch-Westfalische Technische Hochschule AachenAachenGERMANYDeferment Only
4011600Robert-Schumann-Hochschule DusseldorfDusseldorfGERMANYDeferment Only
3038600Ruhr-Universitat BochumBochumGERMANYDeferment Only
670300Ruprecht-Karls-Universitat HeidelbergHeidelbergGERMANYDeferment Only
3059400SRH Hochschule Heidelberg - Staatlich anerkannteHeidelbergGERMANYDeferment Only
3048100Staatliche Akademie der Bildenden Künste KarlsruheKarlsruheGERMANYDeferment Only
3049200Staatliche Akademie der Bildenden Künste StuttgartStuttgartGERMANYDeferment Only
3042100Staatliche Hochschule für Bildende Künste (Städelschule)FrankfurtGERMANYDeferment Only
3118000Staatliche Hochschule fur Gestaltung KarlsruheKarlsruheGERMANYDeferment Only
1059100Staatliche Hochschule Fur Musik Freiburg im BreisgauFreiburg/BreisgauGERMANYDeferment Only
3059000Staatliche Hochschule für Musik TrossingenTrossingenGERMANYDeferment Only
3040600Staatliche Hochschule für Musik und Darstellende KunstMannheimGERMANYDeferment Only
3119200Staatliche Hochschule für Musik und Darstellende KunstStuttgartGERMANYDeferment Only
2229400Stiftung Tierarztliche Hochschule HannoverHannoverGERMANYDeferment Only
3039300Technische Fachhochschule Georg AgricolaBochumGERMANYDeferment Only
3311800Technische Hochschule BingenBingenGERMANYDeferment Only
3117300Technische Hochschule BrandenburgBrandenburgGERMANYDeferment Only
3312000Technische Hochschule DeggendorfDeggendorfGERMANYDeferment Only
3312300Technische Hochschule IngolstadtIngolstadtGERMANYDeferment Only
2310600Technische Hochschule KolnKolnGERMANYDeferment Only
3045600Technische Hochschule Mittelhessen - THMGiessenGERMANYDeferment Only
3056800Technische Hochschule Nürnberg Georg Simon OhmNurnbergGERMANYDeferment Only
3313200Technische Hochschule WildauWildauGERMANYDeferment Only
3086000Technische Universitat Bergakademie FreibergFreibergGERMANYDeferment Only
914100Technische Universitat BerlinBerlinGERMANYDeferment Only
3038800Technische Universität Carolo-Wilhelmina zu BraunschweigBraunschweigGERMANYDeferment Only
3086600Technische Universitat ChemnitzChemnitzGERMANYDeferment Only
3039600Technische Universitat ClausthalClausthal-ZellerfeldGERMANYDeferment Only
3039700Technische Universität DarmstadtDarmstadtGERMANYDeferment Only
3040900Technische Universitat DortmundDortmundGERMANYDeferment Only
3086500Technische Universitat DresdenDresdenGERMANYDeferment Only
3045800Technische Universitat Hamburg HarburgHamburgGERMANYDeferment Only
3121900Technische Universitat IlmenauIlmenauGERMANYDeferment Only
3047800Technische Universitat KaiserslauternKaiserslauternGERMANYDeferment Only
2129800Technische Universitat MunchenMunchenGERMANYDeferment Only
3058700Theologische Fakultat FuldaFuldaGERMANYDeferment Only
3057900Theologische Fakultat PaderbornPaderbornGERMANYDeferment Only
3059300Theologische Fakultat TrierTrierGERMANYDeferment Only
3036700Universitat AugsburgAugsburgGERMANYDeferment Only
3036800Universität BayreuthBayreuthGERMANYDeferment Only
2238400Universität BielefeldBielefeldGERMANYDeferment Only
3039000Universität BremenBremenGERMANYDeferment Only
3056400Universität Der Bundeswehr - MünchenNeubibergGERMANYDeferment Only
2544100Universität der Künste BerlinBerlinGERMANYDeferment Only
2272300Universität des SaarlandesSaarbruckenGERMANYDeferment Only
3041600Universität Duisburg-EssenEssenGERMANYDeferment Only
3117500Universität ErfurtErfurtGERMANYDeferment Only
838500Universität HamburgHamburgGERMANYDeferment Only
3059800Universität HildesheimHildesheimGERMANYDeferment Only
3048900Universität HohenheimStuttgartGERMANYDeferment Only
3060500Universität KasselKasselGERMANYDeferment Only
3040100Universität Koblenz-LandauMainzGERMANYDeferment Only
1213200Universität KonstanzKonstanzGERMANYDeferment Only
3086300Universität LeipzigLeipzigGERMANYDeferment Only
2331800Universität MannheimMannheimGERMANYDeferment Only
3046600Universität OsnabruckOsnabruckGERMANYDeferment Only
3046700Universität PaderbornPaderbornGERMANYDeferment Only
2293500Universität PassauPassauGERMANYDeferment Only
3105800Universität PotsdamPotsdamGERMANYDeferment Only
2226900Universität RegensburgRegensburgGERMANYDeferment Only
3086400Universität RostockRostockGERMANYDeferment Only
2181800Universität SiegenSiegenGERMANYDeferment Only
2095300Universität StuttgartStuttgartGERMANYDeferment Only
1235300Universität TrierTrierGERMANYDeferment Only
2218600Universität UlmUlmGERMANYDeferment Only
3049500Universität VechtaVechtaGERMANYDeferment Only
1233400Universität zu KölnKolnGERMANYDeferment Only
3056000Universität zu LübeckLubeckGERMANYDeferment Only
3311700Weißensee Kunsthochschule BerlinBerlinGERMANYDeferment Only
3121800Westfälische Hochschule Gelsenkirchen, Bocholt,GelsenkirchenGERMANYDeferment Only
858100Westfalische Wilhelms - Universität MunsterMunsterGERMANYDeferment Only
3119500Westsachsische Hochschule ZwickauZwickauGERMANYDeferment Only
3060700WHU - Otto Beisheim School of ManagementVallendarGERMANYDeferment Only
4168000American College of Greece (The)Aghia ParaskeviGREECEEligible
2233300St. George's University, School of MedicineSt George's UniversityGRENADAEligible
3974300St. George's University, School of Veterinary MedicineSt.George'sGRENADAEligible
1222500University of Szeged Albert Szent-Gyorgyi Med. &SzegedHUNGARYDeferment Only
4021400American College, Dublin Limited (The)Dublin 2IRELANDEligible
2611700Dublin City UniversityDublin 9IRELANDEligible
4241200Mary Immaculate CollegeLimerickIRELANDEligible
1276600National University of Ireland, GalwayGalwayIRELANDEligible
1079700National University of Ireland, MaynoothMaynoothIRELANDEligible
770500Royal College of Surgeons in IrelandDublinIRELANDEligible
4261000Technological University of the Shannon: Midlands MidwestLimerickIRELANDEligible
670400University College CorkCorkIRELANDEligible
1018800University College Dublin, National University of Ireland,Dublin 4IRELANDEligible
684200University of Dublin Trinity CollegeDublin 2IRELANDEligible
3084300University of LimerickCastletroyIRELANDEligible
914300Bar-Ilan UniversityRamat-GanISRAELEligible
2094100Ben-Gurion University of the NegevBeer-ShevaISRAELEligible
2263900David Shapell College of Jewish StudiesJerusalemISRAELDeferment Only
401200Hebrew University of Jerusalem (The)JerusalemISRAELEligible
2196800Neve Yerushalayim College for WomenHan NofISRAELDeferment Only
2250200Pardes Inst of Jewish StudiesJerusalemISRAELDeferment Only
4070300Raphael Recanati International School, The InterdisciplinaryHerzliyaISRAELEligible
942800Technion-Israel Institute of TechnologyHaifaISRAELEligible
837300Tel Aviv UniversityRamat-AvivISRAELEligible
2229600Tel Aviv University Sackler School of MedicineTel AvivISRAELEligible
1045600University of HaifaHaifaISRAELEligible
2153800WUJS InstituteAradISRAELDeferment Only
3380400Yeshiva of the United Synagogue of Conservative JudaismJerusalemISRAELDeferment Only
3102500American University Of RomeRomeITALYEligible
2225700European University InstituteSan Domenico di FiesoleITALYDeferment Only
3329300John Cabot UniversityRomeITALYEligible
990600North American CollegeRomeITALYDeferment Only
1104400Pontificia Universita San TommasoRomeITALYDeferment Only
3078700Universita Commerciale Luigi BocconiMilanoITALYEligible
4139100Universita degli Studi di Scienze GastronomicheFr. Pollenzo - BraITALYEligible
851200University of the West Indies, Mona Campus TheKingstonJAMAICAEligible
4228700Graduate School of Management, GLOBIS UniversityTokyoJAPANDeferment Only
2596900Nagoya University School of LawNagoyaJAPANDeferment Only
4244400Tohoku UniversitySendaiJAPANDeferment Only
3410300Tokyo Metropolitan UniversityHachioji-shiJAPANDeferment Only
932000Waseda UniversityTokyoJAPANDeferment Only
837100American University of BeirutBeirutLEBANONEligible
4113300Lebanese American UniversityBeirutLEBANONEligible
2053300Centro De Estudios Universitarios XochicalcoEnsenadaMEXICOEligible
4183900CETYS UniversidadMexicaliMEXICOEligible
671000Fundación Universidad de las Américas PueblaSan Andrés CholulaMEXICOEligible
1041800Instituto Tecnologico y de Estudios Superiores deMonterreyMEXICOEligible
814700Universidad Autonoma de GuadalajaraGuadalajaraMEXICOEligible
1230100Universidad Autonoma De Tamaulipas Facultad DeTampicoMEXICODeferment Only
1093800Universidad de GuanajuatoGuanajuatoMEXICODeferment Only
3776500Universidad De La Salle Bajio, A.C.LeonMEXICOEligible
1067600Universidad de MonterreySan Pedro Garza GarciaMEXICOEligible
3365400Auckland University of TechnologyAucklandNEW ZEALANDDeferment Only
1315300Massey UniversityPalmerston NorthNEW ZEALANDEligible
4085400New Zealand College of ChiropracticMt WellingtonNEW ZEALANDEligible
1242100University of Auckland (The)AucklandNEW ZEALANDEligible
2225300University of CanterburyChristchurchNEW ZEALANDDeferment Only
2156800University of OtagoDunedinNEW ZEALANDEligible
3727400University of Waikato (The)HamiltonNEW ZEALANDDeferment Only
1207800Victoria University of WellingtonWellingtonNEW ZEALANDEligible
2273600Queen's University of Belfast (The)BelfastNORTHERN IRELANDEligible
2588000University of UlsterColeraineNORTHERN IRELANDEligible
1083800University of Bergen (UiB)BergenNORWAYDeferment Only
839300University of OsloOsloNORWAYDeferment Only
3101600Asian Institute of ManagementMakati CityPHILIPPINESDeferment Only
3597300Jagiellonian UniversityKrakowPOLANDEligible
1222300Jagiellonian University Medical CollegeKrakowPOLANDEligible
3784300Medical University of BialystokBialystokPOLANDEligible
3333300Medical University of LublinLublinPOLANDEligible
4227400Uniwersytet Warminsko-Mazurski w OlsztynieOlsztynPOLANDDeferment Only
3674300Abertay UniversityDundeeSCOTLANDEligible
3418400Edinburgh Napier UniversityEdinburghSCOTLANDEligible
3342300Glasgow Caledonian UniversityGlasgowSCOTLANDEligible
2545700Glasgow School of ArtGlasgowSCOTLANDEligible
2273900Heriot-Watt UniversityEdinburghSCOTLANDEligible
3829300International Christian CollegeGlasgowSCOTLANDDeferment Only
3349400Queen Margaret University, EdinburghEdinburghSCOTLANDEligible
3102800Robert Gordon UniversityAberdeenSCOTLANDEligible
3088700Royal Conservatoire of ScotlandGlasgowSCOTLANDEligible
936800University of AberdeenAberdeenSCOTLANDEligible
1086400University of DundeeDundeeSCOTLANDEligible
683900University of EdinburghEdinburghSCOTLANDEligible
838300University of GlasgowGlasgowSCOTLANDEligible
846100University of Saint AndrewsSaint AndrewsSCOTLANDEligible
1022800University of StirlingStirlingSCOTLANDEligible
980800University of Strathclyde, GlasgowGlasgowSCOTLANDEligible
4230700University of the Highlands and IslandsInvernessSCOTLANDEligible
4259500University of the West of ScotlandPaisleySCOTLANDEligible
1008400University of Cape TownCape Town, 8001SOUTH AFRICAEligible
1121400University of the WitwatersrandJohannesburgSOUTH AFRICAEligible
2493000Escuela Superior de Administracion y Direccion DeBarcelonaSPAINDeferment Only
1254000Universidad de NavarraPamplonaSPAINEligible
4160900Universidad Politecnica de ValenciaValenciaSPAINDeferment Only
4247500Universidad Pontificia ComillasMadridSPAINDeferment Only
3601300Universitat Jaume I de Castello (UJI)Castellon de la PlanaSPAINDeferment Only
3900300Medical University of the AmericasSt. James ParishST. KITTS-NEVISEligible
2277900Ross University School of Veterinary MedicineBasseterreST. KITTS-NEVISEligible
2244400American University of the CaribbeanCupecoyST. MAARTENEligible
4182800Jonkoping UniversityJonkopingSWEDENDeferment Only
988800Karolinska InstitutetStockholmSWEDENDeferment Only
3274300Kungliga Tekniska hogskolan, KTHStockholmSWEDENDeferment Only
1006700Lund UniversityLundSWEDENEligible
671300Uppsala UniversityUppsalaSWEDENEligible
1209600Ecole Hoteliere de LausanneLausanne 25SWITZERLANDEligible
4026300École Polytechnique Fédérale de Lausanne (EPFL)LausanneSWITZERLANDDeferment Only
1168300Franklin University SwitzerlandSorengoSWITZERLANDEligible
4251800Graduate Institute of International and DevelopmentGenevaSWITZERLANDEligible
937300Swiss Federal Institute of Technology ZurichZurichSWITZERLANDDeferment Only
946700University of FribourgFribourgSWITZERLANDDeferment Only
4144600University of St. Gallen (HSG)St. GallenSWITZERLANDDeferment Only
2529300Chulalongkorn UniversityBangkokTHAILANDDeferment Only
4192300Payap UniversityChiang MaiTHAILANDDeferment Only
869200Leiden UniversityLeidenTHE NETHERLANDSDeferment Only
2276700Nyenrode Business UniversiteitBreukelenTHE NETHERLANDSDeferment Only
3780300Saba University School of MedicineThe BottomTHE NETHERLANDSEligible
4257100Universiteit MaastrichtMaastrichtTHE NETHERLANDSEligible
2209500Universiteit UtrechtUtrechtTHE NETHERLANDSEligible
837700Universiteit Van AmsterdamAmsterdamTHE NETHERLANDSEligible
837600Vrije Universiteit AmsterdamAmsterdamTHE NETHERLANDSEligible
845200Aberystwyth UniversityAberystwythWALESEligible
1058900Bangor UniversityGwyneddWALESEligible
3377300Cardiff Metropolitan UniversityCardiffWALESEligible
1015700Cardiff UniversityCardiffWALESEligible
3478300Royal Welsh College of Music and DramaCardiffWALESEligible
858600Swansea UniversitySwanseaWALESEligible
3547300University of South WalesPontypriddWALESEligible
1234100University of Wales Trinity Saint DavidCarmarthenWALESEligible

For sellers

A short sale may be worth considering if you’re upside-down on your mortgage, struggling to make your payments and don’t qualify for a loan modification or forbearance. However, if you have equity in your home, selling it through traditional means is typically the better option, since it allows you to walk away with proceeds from the sale.

For buyers

Short sales can be appealing because they may offer an opportunity to buy a property at a lower price. Further, sellers are usually highly motivated to sell in these situations, which could lead to favorable terms or concessions.

Whether you’re a buyer or seller, it’s important to assess your specific situation and needs and understand the benefits and risks of short sales before making a decision.

A short sale isn’t the only option for homeowners struggling to make their payments. Some alternatives to consider include:

Loan modification. If you’re struggling with your mortgage payments, consider negotiating a loan modification with your lender. This may involve reducing your mortgage rate or extending your loan term to make your payments more manageable. Contact your lender to learn more about this option.

Refinancing. Replacing your existing mortgage with one that has better terms can help make your monthly payments more affordable. However, it can be challenging to qualify for a refinance if you’re already past-due on payments.

Deed in lieu of foreclosure. Another way to avoid foreclosure is to voluntarily transfer your home’s title to the lender — this is known as a deed in lieu of foreclosure. In exchange for handing the property over amicably, the lender releases you from your mortgage obligations. A deed-in-lieu will still damage your credit, but the impact isn’t as severe as a foreclosure.

Resource Ready to compare refinance offers? Get Your Best Rates from Top Lenders Today

It depends on the lender. Once a bank receives an offer on a home, it can take several months for them to make a decision. When deciding whether to approve a short sale, a lender will review your financial situation to confirm that you’re unable to repay your mortgage.

A short sale can typically take anywhere from three to six months. The extended timeline may be due to the more in-depth negotiation and approval process, especially if you have a second mortgage.

A short sale can negatively affect your credit, though the exact impact depends on your overall credit history. Your mortgage account will show as “settled” on your credit report, and this mark can stay on your credit for up to seven years.

You may still owe money after a short sale. In some cases, the lender may take legal action against you to collect the remaining balance — this is called a deficiency judgment. Some states, including California and Nevada, prohibit deficiency judgments after short sales in specific circumstances.

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