Direct to Student – Private Student Loan Application

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A co-signer is required if the borrower has minimal or no credit history.

We encourage all borrowers to apply with a creditworthy co-signer to increase their chances of approval and of obtaining a lower interest rate and/or fee. A co-signer release [a] request is available to borrowers who make 36 on-time monthly payments.

To be eligible for a private student loan, you must:

  • Be enrolled at least half-time at an eligible institution;
  • Be making satisfactory academic progress;
  • Be at least 18 years of age (19 in Nebraska and Alabama, 21 in Puerto Rico and Mississippi. Mississippi residents between the ages of 18 and 20 may borrow with written consent from a parent or guardian);
  • Be a U.S. citizen or an eligible non-citizen holding a valid unexpired Alien Registration Receipt Card (INS form I-151 or I-551); and
  • Meet lender underwriting criteria. A co-signer is required if the borrower has minimal or no credit history. The co-signer may be a parent, or any other eligible person who meets lender underwriting requirements.

[a] At all times co-signer release terms are subject to change. Co-signer release is contingent upon the borrower's credit profile which will be reviewed by the Lender prior to release. Loan delinquency, default, or the use of forbearance may result in the revocation of all borrower benefits.