No, you have to apply to be covered by the program. Since the Zero Percent Loan is a product of another company, Merit America is not involved in eligibility decisions, and does not have access to the information of who qualifies for the loan and who doesn’t. If you apply for the loan, and are denied, you must fill out a form to be covered by the Opportunity for All program; this form can be requested after you notify your coach you have been denied for the loan.