Optional Retirement - Loans

If you own a GSRA contract, TIAA offers a loan provision that allows you to use your accumulations as collateral for a loan without making a withdrawal from your contract.


If you are married, your spouse must consent to the loan.


You cannot apply for a loan if you already have three or more outstanding loans.

You may borrow up to 45 percent of the funds remitted through the RF to your TIAA GSRA contract.

The minimum loan is $1,000, and the maximum is $50,000. The loan amount you request may be reduced by any outstanding loans under this option. 

See the Benefits Handbook or Postdoctoral Employee Benefits Handbook for more information.


Optional Retirement



Contact your campus benefits office for more information.

Copyright 2013 Research Foundation of SUNY