Bridge the Gap to Your Dream College

When scholarships, savings, and federal aid aren't enough, our undergraduate loans cover up to 100% of your remaining school-certified costs with flexible repayment options.

Repayment Options Built for Students

We understand that you might not have a full-time income while studying. Choose a repayment plan that fits your current budget and helps you build credit responsibly.

Deferred Repayment

Focus entirely on your studies. Make absolutely no payments while you are enrolled in school at least half-time, plus an additional 6-month grace period after graduation.

Note: Interest will accrue and be capitalized (added to your principal balance) when full repayment begins.

Fixed Repayment

Pay a small, fixed amount (e.g., $25 per month) while you are in school and during your 6-month grace period.

Benefit: Builds good repayment habits and slightly reduces the total amount of interest capitalized at graduation compared to fully deferred.

Interest-Only

Pay only the interest that accrues on your loan each month while you are in school and during your 6-month grace period.

Benefit: Prevents your loan balance from growing while you are in school, saving you money over the life of the loan.

Full Repayment

Begin making full principal and interest payments immediately after the loan is disbursed to your school.

Benefit: This option yields the lowest total loan cost over time, ideal if you or your cosigner have steady income now.

Are you a parent, relative, or other creditworthy individual helping a student pay for college? We have loan types for your needs as well.

Taking Your Studies Global?

Standard undergraduate loans are perfect for domestic study. But if your educational journey crosses borders, you need funding that travels with you. Explore our specialized international programs.

Study Abroad Loans

For US citizens enrolled at a US institution who are participating in a semester or year-long study abroad program.

International Student Loans

For non-US citizens studying at an eligible US college or university. An eligible US cosigner is typically required.

Ready to secure your college funding?

Find out if you qualify in minutes. Applying with a creditworthy cosigner, like a parent or guardian, may help you secure a lower rate.