Undergraduate Student Loans

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Help make college a success with a private student loan.

When federal aid, scholarships and grants aren't enough, a private student loan can cover college expenses such as tuition, books, housing and meals.

  • Borrow up to $15,000 per school year for a lifetime maximum of $50,000.
  • Fixed-rate and variable-rate loan options available.
    • Variable rates are capped at 15%
  • Take up to 15 years to repay once repayments begin.
  • Get a 0.25% rate reduction with automatic payments.1
  • No hidden fees, annual fees or prepayment penalties.
  • Easy application process - see what to expect.
  • For parents looking to support students, explore our family loans.

Repay your way:

  • Pay right away - You can start making payments as soon as you want to help save on interest.
  • Pay after school - Defer payments for up to 5 years, as long as you are enrolled in school at least half-time.
  • Get settled before repayment - Enjoy a 6-month grace period after graduating or dropping below half-time status before payments begin.
  • Take a break - Over the life of your loan, you can request up to two 3-month occurrences of interest-only payments and up to two 3-month occurrences of forbearance (skip a payment).2

Our friendly experts are always on your side. They’ll make sure your college costs are covered so you don’t borrow more than you need.

Learn more about student loans and refinancing in our FAQs. And, check out our simple application process.

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Do You Need a Cosigner?

If you're just starting out and have limited income or credit history, you may need a trusted friend or family member to cosign for your student loan. A cosigner guarantees they will pay back your loan if you cannot do so. We will tell you during the application process if you need a cosigner. A cosigner release is available upon request after you've made the first 36 consecutive, on-time payments once you are in repayment.3

Young woman sitting cross-legged while using a laptop to apply for a student loan

Undergraduate - Variable Rate

Rates as Low as
APR * 15-Year

Undergraduate - Fixed Rate

Rates as Low as
APR * 15-Year

Take an additional 0.25% off your rate with automatic payments!1

Get in Touch

Understanding your loan shouldn't feel like studying for a thermodynamics final. That's why our local experts help simplify your options, so you can focus your studies on the future.

Phone Number

(800) 533-6773- ext. 2950

Already started an application? Pick up where you left off.

Need to cosign a loan? Apply now.