Certified Private Loans for College Students

Certified private loans help supplement your other sources of financial aid, giving you the flexibility to cover up to 100% of your college expenses. Our certified private loans come with zero up-front fees and a 2% Graduation Reward. That’s a 2% cash reward on your outstanding principal balance at graduation. And you won’t have to make any payments while you are enrolled in school at least half-time.

 

  • Variable interest rates from Prime minus 0.50% to Prime plus 4.75%, based on credit evaluation
  • 0.25% repayment interest rate credit when payments are set up for automatic debit from a bank account

  • Zero origination fees
  • Zero guarantor fees
  • Zero prepayment fees

  • Zero payments until 6 months after graduation or enrollment in school less than half-time
  • 15 year repayment period

  • 2% Graduation Reward based on your outstanding principal balance (see Graduation Reward Policy)

  • Loans up to 100% of your Cost of Attendance minus other aid, based on school certification

Eligibility criteria include:

  • You must be a U.S. citizen or a permanent resident
  • You must be enrolled in a degree-seeking 4 or 5 year undergraduate degree program (eligible schools are listed in the online application)
  • You must be enrolled at least half-time to receive in-school deferment. If you are enrolled less than half-time, payments are required 6 months following less than half-time status
  • You must maintain satisfactory academic progress (SAP), as defined by your school
  • You must have a cosigner for your loan application
  • You and your cosigner must both pass a credit check
  • Identify an adult cosigner and discuss your loan options
  • Determine the amount you want to borrow
  • Have your Social Security number, driver’s license, cosigner information, and two additional references ready
  • Click the Apply Now button and follow the instructions to complete your application
  • We will check your credit and your cosigner’s credit

You can check your loan status online at any time.
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