Bridge The Funding Gap

Cover Your College Costs. Build Your Future.

When federal aid and scholarships aren't enough, student loans provide the remaining capital you need for tuition, housing, and textbooks—with competitive rates and flexible repayment options.

Cover Up to 100% of Costs Borrow exactly what you need. Our loans can cover up to 100% of school-certified costs, including room, board, and technology.

Flexible In-School Repayment Focus on your studies. Choose to defer payments entirely until 6 months after graduation, or pay interest-only while enrolled to lower future costs.

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

Compare custom rate quotes from top education lenders. Checking your options will NOT impact your credit score.

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Interactive Tool

Post-Graduation Payment Estimator

Find out exactly what your monthly commitment will be. Estimate your standard monthly payment once you graduate and your grace period ends.

Total Loan Amount Needed ($)

Estimated amount needed for the academic year.

Estimated APR (%)

Repayment Term

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

$341

Fixed Post-Graduation Payment

Principal Borrowed

$30,000

Estimated Total Interest

$10,877

Understanding Your Loan Options

See how Private Student Loans compare to Federal options to make the smartest borrowing decision for your education.

Feature	Private Student Loan	Federal Subsidized	Federal Unsubsidized
Borrowing Limits	Up to 100% of school-certified cost of attendance.	Strictly capped annually (e.g., $3,500 - $5,500).	Capped annually (e.g., $2,000 - $7,000).
Interest During School	Accrues while in school.	Govt pays interest while in school.	Accrues while in school.
Credit Requirements	Based on credit score (Cosigner recommended).	No credit check required. Financial need based.	No credit check required.
Origination Fees	Usually Zero ($0)	~1.05% of loan amount	~1.05% of loan amount

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 direct student loans first. Federal loans often have 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.

Many private lenders offer a "cosigner release" option. This allows the primary borrower (the student) to apply to have the cosigner (the parent) legally removed from the loan after graduation. Typically, this requires the student to make a specific number of consecutive, on-time payments (e.g., 12 to 36 months) and pass a credit check demonstrating they can afford the loan on their own.