Education Loan

Private Student Loans

Invest in Your Future.
Finance Your Education.

Bridge the gap between federal financial aid and the true cost of college. Cover tuition, housing, and textbooks with flexible education loans designed for undergraduates, graduates, and parents.

Cover Up to 100% of Costs Borrow exactly what you need. Our loans can cover up to 100% of school-certified costs, including room and board, meal plans, and tech equipment.
Flexible In-School Repayment Choose to defer payments entirely until 6 months after graduation, make fixed monthly payments, or pay interest-only while enrolled.
Cosigner Release Options Apply with a creditworthy cosigner to secure a lower rate, then apply to release them after consecutive on-time payments once you graduate.

Check Your Rates

Get a custom rate quote from our education lending specialists. Checking options will NOT impact your credit score.

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Student Loan Repayment Estimator

Input your anticipated borrowing amount below to estimate your standard monthly payment once you graduate and your grace period ends.

$

Estimated amount needed for the academic year.

%

Note: This simulation calculates standard principal and interest payments that begin after graduation and the standard 6-month grace period end. Accrued interest during deferment is not capitalized in this basic estimate.

Projected Standard Repayment

Estimated Monthly Payment
$284
Fixed Post-Graduation Payment
Principal Borrowed
$25,000
Estimated Total Interest
$9,064

Financing Options Compared

Understand why specialized private education loans are often necessary to cover funding gaps left by federal aid.

Feature Private Education Loan Federal Direct Unsubsidized Standard Bank Loan
Borrowing Limits Up to 100% of school-certified cost of attendance. Strictly capped annually (e.g., $5,500 - $12,500). Varies, but rarely aligned with tuition needs.
In-School Deferment Yes. Defer full payments until after graduation. Yes. Defer full payments until after graduation. No. Full P&I payments begin immediately.
Credit Requirements Based on credit score (Cosigner often needed). No credit check required. Strict personal credit/income check required.
Cosigner Release Yes, available after a period of on-time payments. N/A Rarely available.

Student Loan FAQs

Yes, absolutely. You should always complete the Free Application for Federal Student Aid (FAFSA) to exhaust your options for scholarships, grants, and federal student loans first. Federal loans often have lower, fixed interest rates and income-driven repayment protections. Private education loans are designed to bridge the gap when federal aid does not cover the full cost of attendance.
For undergraduate students with limited credit history or income, a creditworthy cosigner (like a parent or guardian) is almost always required to get approved for a private student loan. Adding a strong cosigner not only increases your chances of approval but usually significantly lowers the interest rate offered by the lender.
It depends on the repayment plan you select when applying. Many private lenders offer "Full Deferment," meaning you pay nothing while enrolled at least half-time and for a 6-month grace period after graduation. Alternatively, you can choose an "Interest-Only" or "Fixed $25/mo" plan while in school, which helps prevent your loan balance from ballooning due to capitalized interest before graduation.
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