Cover up to 100% of your college tuition, housing, books and more.

Cover up to 100% of your college tuition, housing, books and more.

Discover Undergraduate Loans

These private student loans complement federal student loans and other financial aid to help you pay for college. Applying online is easy and our knowledgeable Student Loan Specialists are ready 24/7 to help you every step of the way.

Great Features and Benefits

  • Fixed rates as low as 6.74% APR
  • Variable rates as low as
    Prime Index + 0.00%
    (currently 3.25% APR)
  • Zero fees
  • No payments required while in school at least half-time
  • 0.25% Auto Debit Reward
  • View APR examples

Simple Process

  • Apply online or over the phone in just a few minutes.
  • Consider adding a cosigner.
  • Sign your loan documents online or mail them to us.
  • Accept your loan terms.
  • You're done!
or Call 1-800-STUDENT
The Annual Percentage Rate (APR) for a variable rate loan may increase during the life of the loan if the Prime Index increases. This may result in higher monthly payments , an increase in the number of scheduled payments or both. Print

Private Student Loan Features

How much can I borrow?

  • Each year, you can borrow up to 100% of your cost of attendance minus other financial aid.
  • The minimum amount is $1,000 for each loan.
  • We certify and disburse loan amounts through your school.

What are the interest rates and fees?

  • Fixed interest rates from 6.74% APR to 10.99% APR
  • Variable interest rates from Prime Index + 0.00% to Prime Index + 5.00%
    (starting rates currently range from 3.25% APR to 8.25% APR)
  • Zero fees
View APR examples
Compare with federal loans

Am I eligible?

To qualify, you must:
  • Be enrolled at least half-time in a 4- or 5-year undergraduate program at an eligible school.
  • Be seeking a degree.
  • Be making satisfactory academic progress as defined by your school.
  • Be a US citizen, permanent resident or international student (International students require a Social Security number and a cosigner).
  • Be 16 years or older at the time you apply.
  • Pass a credit check.

Do I need a cosigner?

Whether or not you will need a cosigner depends on your credit evaluation. By applying with a creditworthy cosigner, you may improve your likelihood for loan approval and may receive a lower interest rate.

Repayment Features

What are the Graduation Reward and Auto Debit Reward?

  • Available for applications submitted prior to May 1, 2014 on variable interest rate Undergraduate, Health Professions, Law, MBA and Graduate Loans, you earn a 2% Graduation Reward on your outstanding principal balance, which can be redeemed as a deposit to your bank account or as a credit to your student loan balance.
  • All loans get a 0.25% interest rate reduction with our Auto Debit Reward when you enroll for automatic debit payments during repayment.

Do I need to make payments while I am in school?

  • Payments are automatically deferred and no payments are due until 6 months after you graduate or your enrollment status drops below half-time.
  • You can make payments anytime to help reduce the overall cost of your loan and there is never a penalty for prepaying.
  • We will send you quarterly statements showing you how much interest is accruing and how to make optional payments during your in-school deferment period.
  • The repayment period is 15 years after the deferment period ends.

Can I defer payments?

In addition to automatic in-school deferment while you are enrolled in school at least half-time, you can defer payments while:
  • On active military duty (up to 3 years).
  • In public service with certain organizations (up to 3 years).
  • In a health professions residency program (up to 5 years).
Learn more

What if I need help repaying?

If you are experiencing financial difficulties and you are unable to make your student loan payments, we have options to help. To learn more and determine if you qualify, please call our Repayment Assistance Department at 1-877-321-5017.