What are my private student loan options?

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  • Competitive rates and no origination fee
  • Choose from multiple repayment options, including no payments while in school1*
  • Learn more »

Sallie Mae® Smart Option Student Loan® for Degree-Granting Institutions

When grants, scholarships, and federal aid are not enough, choose the Smart Option Student Loan. You can apply for the money you need for college, and the flexibility you want.

  • Competitive variable interest rates — 2.87% APR to 9.91% APR1* (Competitive fixed interest rates also available.)
  • No origination fee and no prepayment penalties
  • Easy online application accessible on all devices
  • Get a 0.25 percentage point interest rate reduction while enrolled to make scheduled monthly payments by automatic debit2*
  • Borrow up to 100% of the school-certified cost of attendance3*
  • If a parent or other creditworthy individual cosigns the loan with you, it may give you a better chance of approval.
  • You may apply to release your cosigner from the loan after you graduate, make 12 on-time principal and interest payments and meet certain credit requirements4*

Sallie Mae Private Student Loan full terms and information

  • Approval based on academic performance and financial need1
  • No cosigner or credit score required to apply for a loan
  • Support throughout college to keep students focused on graduation
  • Learn more »

Sixup, the smart student loan

The Sixup loan is a responsible loan for four-year college students with little or no credit history, who may not have a co-signer and need additional funding to round out their gap. Sixup’s technology helps students make smarter college choices – to choose a better school with better results. Sixup’s services help students stay in school and maintain a good work-study balance.

Sixup is more than a loan

Sixup offers the Sixup loan, a private student loan to help lift the next generation of low-income, high-achieving students and upgrade them to a better school. We fund the gap between available financial aid and total cost of attendance so you can afford the smarter choice. The loan is not just a loan. It is part of a systematic approach that includes support services to help students stay in school and maintain a good work-study balance. We also help students get important internships and jobs after school.

Sixup is currently serving students who are residents of Arkansas, Florida, Nebraska, New Mexico, North Carolina, Oregon, Texas, Virginia and West Virginia.

Loan Types:

  •     IN-COLLEGE loan for students already attending a four-year college.
  •     TRANSFER loan for community college students transferring to a four-year college.
  •     FIRST-YEAR loan for incoming freshmen to a four-year college.

Sixup Loan Eligibility

Your permanent address is in  Arkansas, Florida, Nebraska, New Mexico, North Carolina, Oregon, Texas, Virginia or West Virginia.

Four Year College. You are matriculating to or enrolled in a four-year institution (Texas A&M, University of Houston, etc.).

US Resident. You are a US  citizen or permanent resident.

18 or Over. You are over the age of 18 (or have a co-signer over the age of 18).

Ideal Candidates

Strong Academic Potential. You have demonstrated strong academic performance. 1

Pell Grantee. You are a Pell Grantee, first generation college student or other underserved student.

FAFSA Completed. You have completed the FAFSA and accepted all financial aid and work study offered to you.

Loan Size. You have a minimum need of $2,500 and maximum need of $15,000 per academic year. 2,3,4

Sixup, the smart student loan full terms and information

  • Apply online in as little as 3 minutes from your phone, laptop or tablet
  • Choose to defer or start paying right away to save
  • Learn more »

Get the money you need for school quickly and at a great price.

  • Low rates, free to apply, and no disbursement fees
  • Borrow up to 100% of the school-certified cost of attendance (minimum $2,000)1^
  • The most repayment choices - and help making sense of them
  • 0.25% interest rate reduction when you make payments by automatic debit2^
  • No penalty for early repayment

We get it. You want to pay as little interest as possible and have monthly payments you can afford. That's why the College Ave Student Loan Product has low rates and multiple repayment options to help you manage the total cost of the loan.

College Ave Student Loan full terms and information

  • Choice of fixed or variable interest rates
  • Zero fees and 24/7 customer service to apply
  • Cash reward for good grades1
  • Learn more »

Discover® Student Loans

  • Discover Student Loans provides options for Associate or Bachelor's degree programs at eligible colleges and for Masters and Doctoral degree candidates at eligible graduate schools.
  • Each year, you can borrow up to 100% of your school-certified cost of attendance (including tuition, housing, books and more) minus other financial aid. Aggregate loan limits apply.
  • Apply today! Choice of fixed or variable interest rates
  • Zero fees — No loan application fees. No origination fees. No late fees.
  • Choose in-school or deferred repayment option, and there is never a penalty for pre-payment
  • Get a one-time cash reward of 1% of the loan amount of each new Discover student loan when you get at least a 3.0 GPA (or equivalent)1
  • 0.25% Auto Debit Reward when you are enrolled in automatic payments during repayment2
  • 6-month grace period
  • By adding a cosigner, you may improve your likelihood for loan approval and may lower your interest rate
  • Applying online is quick and easy and our knowledgeable, US-based Student Loan Specialists are ready to help you. Tools and information at DiscoverStudentLoans.com to help students and parents through each step of the process — from exploring financial aid to repaying student loans.

Discover® Student Loans full terms and information

  • More opportunities for approval with Ascent's broad credit tiers5
  • Flexible plans to postpone payments until after graduation2,3,4
  • Competitive rates & no application fees1
  • Learn more »

Ascent Tuition Student Loan

Ascent is built around one guiding principle: Your student loan should expand your possibilities, not limit them. That’s why Ascent uses broad credit tiers to help more students get approved for an Ascent Tuition Loan.

The Ascent Tuition Student Loan program was designed with you in mind

  • Loans for undergraduate and graduate students
  • Competitive variable interest rates1
  • No application, origination or disbursement fees
  • No penalty fee if you pay off your loan early
  • Flexible plans to postpone payments until after graduation2,3,4
  • Automatic debit discount5
  • Cover your college tuition and living expenses5 with a minimum loan amount of $2,500 and up to $100,000 (or total cost of attendance less aid received)
  • Cosigner release option after making 48, consecutive on-time payments
  • Customer service that is 100% U.S.-based

Ascent Tuition Student Loan full terms and information

  • Variable and fixed rate options available
  • No application or origination fees
  • Learn more »

PNC Solution Loan 1+

We realize that covering all of your expenses can be a challenge, especially when government loans and financial aid just aren't enough. Apply for your PNC Solution Loan today so you can get the money you need to finance your education.

  • Choose your interest rate option: variable or fixed rate
  • Get 0.50% off your interest rate with automated payments from your checking or savings account when making scheduled payments that include both principal and interest 2+
  • Enjoy flexible payment options: defer until you graduate or leave school, or start paying right away and save on interest 3+
  • Take up to 15 years to repay 4+
  • Stay focused on your education - we'll send funds directly to your school
  • A co-signer release option is available after 48 consecutive on-time monthly payments and is subject to credit approval 5+

PNC Private Student Loan full terms and information

  • New Multi Year Borrowing Option1
  • Competitive fixed and variable interest rates
  • Learn more »

Citizens Bank Student Loan™

Citizens Bank® is reinventing college borrowing. With the Citizens Bank Student Loan™, borrowers get competitive fixed and variable rates, no origination, application or disbursement fees and flexible repayment options. Our goal is to provide students with better ways to pay for college! 

Choose interest and repayment terms that work for you

  • Competitive fixed and variable interest rates
  • No application, origination or disbursement fees
  • Save up to 0.50 percentage points off your interest rate with available discounts2,3
  • Flexible repayment options and terms

Citizens Bank Student Loan full terms and information

  • No origination fees
  • 0.25% interest rate reduction for automatic payments
  • Learn more »

LendKey Private Student Loan

Are federal loans enough to cover the cost of your college education? A LendKey Private Student Loan from a not-for-profit credit union can be the answer to your funding needs.

  • Variable interest loan based upon 3-month LIBOR index plus margin
  • Borrow as little as $2,000 or up to the Cost of Attendance per year
    • Borrow up to $120,000 in undergraduate debt
    • Borrow up to $160,000 in graduate debt
  • Use the funds for any qualified educational expense
  • No prepayment penalty and 30-day loan cancellation policy

LendKey Private Student Loan full terms and information

  • New Multi Year Borrowing Option1
  • Competitive fixed and variable interest rates
  • Learn more »

Citizens One Student Loan™

Citizens One Student Loans® is reinventing college borrowing. With the Citizens One Student Loan™, borrowers get competitive fixed and variable rates, no origination, application or disbursement fees and flexible repayment options. Our goal is to provide students with better ways to pay for college!

Choose interest and repayment terms that work for you

  • Competitive fixed and variable interest rates 
  • No application, origination or disbursement fees
  • Save up to 0.50 percentage points off your interest rate with available discounts2,3
  • Flexible repayment options

Citizens One Student Loan full terms and information

Need help financing your MBA? The CommonBond MBA Loan helps cover the full cost of your attendance, and saves you money over the federal loan program.

Big Savings

MBA student loans starting at 5.78% APR can save you over $10,000 vs. a federal loan.2+++ Competitive, fixed interest rates that are based on your chosen repayment term.

  • A 10-year option with a fixed interest rate of 5.59% (5.78% APR)1+++
  • A 15-year option with a fixed interest rate of 5.95% (6.09% APR)1+++

Technology

Our simple online application can be completed in minutes, so you can see your rate quickly and get on with things that manner!

Friendly Customer Service

Get your questions answered fast by our friendly care team. Whether you want to email, live chat, or call us, we're here to help you!

Community

At CommonBond, we go beyond student loans. We've designed our community to connect you with the experiences, resources, and relationships that help you get to where you want to go.

Social Promise

Make a difference! For every degree fully funded by CommonBond, we fund the education of a student in need for a full year.

CommonBond MBA Student Loan full terms and information

  • Earn a 2% principal reduction reward 7***
  • No application or origination fees
  • Competitive fixed and variable interest rate options
  • Learn more »

INvestEd Student Loan     

When grants, scholarships and subsidized loans don’t cover your education costs, a fixed or variable rate INvestEd Student Loan may be your best option. Families at Indiana colleges and universities appreciate the multiple repayment plans and generous benefits the INvestEd Student Loan offers. Apply to see if the INvestEd Student Loan is the answer to your education funding needs.

Choose interest and repayment terms that work for you

  • Earn a 2.00% principal reduction reward after graduation 7***
  • No application, origination or disbursement fees
  • Get a 0.25 percentage point interest rate reduction while enrolled to make scheduled monthly payments by automatic debit 8***
  • Competitive variable interest rates — 4.16% APR to 11.01% APR 1***, 2*** (Competitive fixed interest rates also available)
  • Flexible repayment options
  • A co-signer release option is available after the initial 48 consecutive on-time monthly payments and is subject to credit approval 9***
  • Tools, information and additional help limiting student loan debt from financial aid experts at INvestEdIndiana.org

 

INvestEd Student Loan full terms and information

  • More opportunities for approval with Ascent's broad credit tiers5
  • Flexible plans to postpone payments until after graduation2,3,4
  • Competitive rates & no application fees1
  • Learn more »

Ascent Health Student Loan

Ascent Health is built around one guiding principle: Your student loan should expand your possibilities, not limit them. That’s why Ascent uses broad credit tiers to help more students in health care programs (i.e. nursing, physical therapy, etc.) get approved for an Ascent Health Loan. APPLY NOW!

Finally a Loan Designed With You in Mind

  • Competitive variable interest rates1
  • Check your eligibility in just minutes
  • No application, origination or disbursement fees
  • No penalty fee if you pay off your loan early
  • Three flexible plans with an option to postpone payments until after graduation2,3,4
  • Automatic debit discount5
  • Cover your college tuition and living expenses5 with a minimum loan amount of $2,500 and up to $100,000 (or total cost of attendance less aid received)
  • Cosigner release option after making 48, consecutive on-time payments

Tools for Financial Success

It's wrong to lose your financial freedom before you've even had a chance to earn it! As your financial partner, we want to set you up for future financial success. Ascent offers you free financial literacy tools as part of the application process.

Your Support Team

Our team of trusted advisors is 100% U.S.-based and committed to you. From your application to your final payment, we'll be with you every step of the way.

Eligibility

  • We consider several factors including: other financial aid, creditworthiness, school, program, graduation date, major, cost of attendance, income and other factors.
  • Ascent Health loans are for undergraduate and graduate college students that are at least half-time enrolled in a degree program at an eligible institution.
  • Solo student applicants and cosigners must be U.S. citizens or permanent residents.

Loan Forgiveness & Forbearance

The Ascent Health loan includes deferment and forbearance options: Active Duty Military Deferment, In-School Deferment, Residency / Internship Deferment and Temporary Hardship Forbearance. The loan is forgiven if the student dies or becomes totally and permanently disabled.

Ascent Health Tuition Loan full terms and information

PrivateStudentLoans.com always recommends that students explore all of their financial aid options, from scholarships and grants to federal student loans, in addition to learning more about private student loans.

Edvisors cannot guarantee financial aid and loan eligibility for site users. Please check with your school or your lender directly for information related to your personal eligibility. Lenders that participate may not offer products to every school.

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What are my private student loan options?