About Our Loans


Benefits and Features

  • 0.25% Interest rate reduction for using our autopay service
  • NO FEES*
  • Flexible terms of 10, 15, or 20 years
  • Cosigner Release - available after 36 months of on-time regularly scheduled payments
  • Death and Disability Benefit -
    • If the borrower is the benefitting student and dies or becomes totally and permanently disabled, the borrower and the cosigner (if applicable) are released from the outstanding debt
    • For parent borrowers, if the benefitting student dies, the parent and cosigner (if applicable) are released from the outstanding debt
  • Minimum loan amount is $7,500
  • Minimum monthly payment is $50
  • No prepayment penalties
  • Loans funded and serviced by a trusted not-for-profit agency

To qualify, the borrower must:

  • Be a U.S. citizen or noncitizen with proof of residency card
  • Have an acceptable income and credit history or an approved cosigner

Eligible Loans

Any school-certified education loan.

Student borrowers may refinance/consolidate their education loans and any parent loans for which they are the benefitting student. Parents may refinance/consolidate their own student loans and any parent loans they have.

Applying with a creditworthy cosigner may help you qualify and/or receive a lower FIXED rate.

Or call 1-800-988-6333 to request an application.

Apply Now

* No application, origination, default, late or NSF fees.