Borrow
Student Loans
Education financing for undergraduate, graduate and parent borrowers, with repayment options that begin after graduation.
In school deferral
Make no payments while you are enrolled at least half time.
Flexible terms
Repay over 5, 10 or 15 years.
Co-signer release
Release a co-signer after 36 on-time payments.
At a glance
- Who can borrow
- Undergraduate, graduate and parent borrowers
- Terms
- 5, 10 or 15 years
- Deferral
- No payments while you are enrolled at least half time
- First payment
- Six months after you leave school or drop below half time
- Co-signer release
- After 36 on-time payments
- Prepayment penalty
- None
Borrow only what you need
We show the full cost of the loan, including interest that accrues during school, before you accept. You can reduce the amount at any time before disbursement.
- Payments sent directly to your school
- Interest only payments while in school are optional
- No prepayment penalty
Repayment support
If your financial situation changes, our team can review options such as a temporary reduction, extended term or forbearance.
- Autopay discount available
- Change your due date once a year
- Speak with a loan specialist
During school
You do not need to make payments while you are enrolled at least half time. Interest accrues, and you can choose to pay it as you go.
- Interest only payments in school are optional
- Payments are sent directly to your school
- You can reduce the amount before disbursement
After school
Repayment starts six months after you leave school or drop below half time. If your situation changes, our team can review options.
- Change your due date once a year
- Temporary reduction, extended term or forbearance may be available
- Autopay discount available
Borrow for school
- 1
Estimate what you need
Add up tuition, fees, books and living costs, then subtract other aid.
- 2
Apply online
A co-signer is optional but can improve your rate.
- 3
Review the full cost
We show the total cost, including interest that accrues during school, before you accept.
- 4
Funds go to your school
Payments are sent directly to your school.
Frequently asked questions
Quick answers about student loans.
Do I need a co-signer?
When do I start paying?
Can I refinance later?
Can I pay interest while I am in school?
When can a co-signer be released?
Can a parent borrow for a student?
Ready to get started?
Open an account online in about ten minutes, or talk to us first. You will need your address, date of birth and an email address.