Student Loan Application

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What factors are used in the initial credit review?

The initial credit review is based on the information you and your cosigner (if applicable) provide during the application process and the information obtained from your credit report (and any cosigner's credit report). If you pass the initial credit review, documentation will be requested to verify your identity and annual income. A signed Loan Packet, including the Credit Agreement, Approval Disclosure and Applicant Self-Certification Form is required before a final loan decision is made. Your school will be required to certify the loan amount for the upcoming academic year/semester prior to disbursement.

Why do you need the Student's Cost of Attendance and Estimated Financial Assistance?

Before a final loan decision is made, you will be asked to sign an Applicant Self-Certification Form. The Student's Cost of Attendance and Estimated Financial Assistance are two fields on the form. By entering the information here, we are able to pre-fill the Applicant Self-Certification Form with this information.

How much can I borrow?

The minimum and maximum you can borrow is determined by the school you are attending, the loan type you selected, and your state of residence.

Is there a penalty for pre-payment or paying the loan off early?

No, there is not a penalty for pre-payment of your loan. You will only be charged the amount of interest that has accrued on the loan until the day the loan is paid off.

In order to apply for a loan, do I need to know what school I'm attending?

Yes, you need to be enrolled at least 1/2 time as a student at an eligible school.

Keep in mind

Make sure you're prepared with this information before you apply:

Exhaust other funding first

Let us help fill the financial gaps after you've applied for Grants, Scholarships, and Federal Aid

Apply with a qualified cosigner

It can make a big difference-see why

Do I meet the Requirements?

Review the application requirements

Prequalify now with no impact to your credit score!

School & Loan Information

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Keep in mind

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