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Wells Fargo Collegiate® Loan
After you've examined all of your lower cost financing options, consider the Wells Fargo Collegiate Loan. With this private student loan you can borrow up to the cost of your education, minus other financial aid to pay for tuition, books, a computer, housing, and other education expenses. We've helped millions of students pay for college, and look forward to helping you. Apply today!
Apply With a Co-signer
While not required, we strongly encourage undergraduate students to apply with a creditworthy co-signer if they may have difficulty qualifying for a loan due to limited income and credit history. This may increase an applicant's chances of approval and of possibly obtaining a better interest rate.
Start Your Collegiate Loan Application »
Benefits and Features
- No payments during school 1,2
- Easy online application with quick credit decision
- Choose fixed or variable interest rate
- Variable rate as low as 3.40% APR as of May 1, 2011
- Reduce interest rate up to 1.00% 3,4
- No application, origination or early repayment fees
Expert Wells Fargo Service
- Student Loan specialists ready to help you
- One bank for all your financial needs
Start Your Collegiate Loan Application »
Eligibility Requirements
You must:
- Be enrolled as an undergraduate or graduate student at an eligible school, and seeking a degree, certificate, or license.
- Have a cosigner, unless you meet credit history, income and employment requirements.
- Be a U.S. citizen, U.S. national, permanent resident alien without conditions, or international student who is a temporary resident alien with a current U.S. address and proper evidence of eligibility. For permanent and temporary resident aliens, a U.S. citizen must cosign the loan.
Loans subject to qualification.
1 Repayment begins six months after graduating or leaving school.
2 Loans subject to qualification.
3 Wells Fargo may discontinue or modify rewards for future disbursements at any time without notice.
4 Reduce interest rate [by a total up to 1.00%] if you satisfy one or more of the following: you or your cosigner have a qualifying Wells Fargo relationship at the time of application [0.25% - 0.50%, depending on the relationship]; you qualify for the Wells Fargo Student Graduation BenefitSM Reward [0.25%]; or you authorize automatic payments from your personal checking or savings account [0.25%] (this rate reduction will be effective the day after the first automatic withdrawal is made). Different discounts may be combined, except that only one relationship discount will apply. You will automatically receive the highest applicable relationship discount. For details, including eligibility requirements, visit us at wellsfargo.com/student.
* The interest rate is variable and can increase and/or decrease over the life of the loan. If Prime changes, change is monthly on first day of month. Prime Rate subject to 3.25% minimum (Variable Floor Rate).
