Maximize your lowest-cost funds first.  Check college.gov for all your federal financial aid options.

Current Rate:  6.99% fixed for up to a 10 year term.

Origination Fee: 3%

Up to $15,000 per student per year.

Do You Qualify? (checklist)

• You are enrolled with at least 4 courses in a degree-granting program at an eligible school.

• You (or a co-borrower) have a current credit report that shows no active delinquencies $300 or greater that is over 90 days delinquent.

• You (or a co-borrower) have a current credit report that shows no active real estate loan delinquency that is over 30 days delinquent.

• You (or a co-borrower) have a current credit report that shows no record of debt discharged through bankruptcy in the most recent 5 years.

• You (or a co-borrower) have a debt to income ratio of no more than 45%

• You (or a co-borrower) can provide a copy of paystub(s) received in the most recent 30 days preceding the date of the loan application

• Or if self-employed, 2 most recent years of tax returns with the appropriate Schedule C.

• You (and your co-borrower) are US citizens or permanent residents

• You are borrowing a minimum of $2,000.

• Your school will certify your eligibility for this loan.

• You qualify for credit union membership.

FEATURES:

No pre-payment penalties ever.