Federal loans not enough to cover the cost of your college education? A Private Loan can be the answer to your funding needs.

Main Program Features

• Borrow as little as $2,000 or as much as $30,000 per year. $120,000 lifetime maximum
• Defer full principal and interest payments until six month after graduation or leaving school
• Variable interest loan based upon LIBOR index plus a margin.
  Recent rates for approved loans range from 2.99%-8.99%
• Interest paid on loan may be tax deductible. Please consult your tax advisor
• Choose between making interest payments or a nominal $25 “Proactive Payment” towards the loan while in school
• Use the funds for any qualified educational expense, including past due tuition bills
• No prepayment penalty and 30-day loan cancellation policy
• Fast pre-approval once we receive your completed application

Student Benefits

• Zero Origination Fees
  All qualified student borrowers enjoy ZERO origination fee.
• Credit + Academic based underwriting
  We use the FACS Grade, which takes into account the credit history of the borrower/cosigner as well as the academic progress of the student. Good grades and getting closer to graduation means a lower loan rate!
• 1% Interest Rate Reduction
  Once you have entered repayment and repaid just 10% of the loan
• 30 Day No-Fee Return Policy
  Your can cancel the loan within 30 days of approval date and you owe no fees and no interest
• Cosigner release after 24 payments
  The cosigner may be released from the loan once the loan is in repayment and the borrower has made just 24 on-time payments. The borrower must meet the minimum credit requirements

Eligibility & Credit Requirements

• Borrower must be enrolled in an eligible school and pursuing a degree program
• Borrower must be a member or join a participating credit union during the online application process
• Borrower or cosigner must be a U.S. Citizen or permanent resident.
• Creditworthy student borrowers can apply without a cosigner.

Applying with a cosigner is highly recommended to qualify for lower rates!

Checklist of Items You’ll Need During the Application Process

1) IDENTIFICATION – (Government Issued Photo ID, e.g., Drivers License) – If your loan is cosigned, you’ll need identification for BOTH the borrower and the cosigner.

2) TRANSCRIPT – If you’re a freshman student without a transcript, you’ll need to send us either your acceptance letter or tuition bill. All other students are required to send in a copy of their most recent transcript.

3) PROOF OF INCOME – If your loan is cosigned, you’ll need to send in proof of income for the cosigner. Non-cosigned loans currently do not require proof of income.