Undergraduate Student Loans
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See list of eligible schools1
$1,000/year minimum credit
Terms
- 20 years if balance is less than $40,000
- 25 years if balance is or is greater than $40,000
Line of credit, instead of multiple loans, makes new funding easy
Variable interest rate
Funds disbursed directly to school at the time(s) the school specifies
Deferment of principal and interest while in school
Flexible repayment terms, including graduated repayment for two years
No origination fee
Line limits:
- Cost of Attendance (COA) less other financial aid received (as certified by the school)
- $75,000 maximum over college career
Co-borrower release: After 48 consecutive months of automated, on time payments, co-borrower may request to be released. However, the primary borrower must be credit worthy with the following:
- 690 minimum FICO
- $30,000 minimum annual salary ($2,500 monthly gross income)
- 45% debt-to-income ratio maximum
- No bankruptcies, judgments, or student loan defaults