{"id":38944,"date":"2020-01-27T09:25:15","date_gmt":"2020-01-27T17:25:15","guid":{"rendered":"https:\/\/www.credible.com\/blog\/?p=38944"},"modified":"2022-07-01T08:36:02","modified_gmt":"2022-07-01T15:36:02","slug":"student-loan-requirements-how-to-qualify-for-a-student-loan-3","status":"publish","type":"post","link":"https:\/\/www.credible.com\/blog\/student-loans\/student-loan-requirements\/","title":{"rendered":"Student Loan Requirements: How to Qualify for a Student Loan"},"content":{"rendered":"<p>If scholarships and grants don\u2019t fully cover your college costs, student loans could help you take care of your remaining expenses. Many students rely on loans to pay for school \u2014 in fact, as of 2021, 43.2 million U.S. adults have student loans, according to <a href=\"https:\/\/educationdata.org\/student-loan-debt-statistics\">EducationData.org<\/a>.<\/p>\n<p>However, if you need to borrow for school, it\u2019s important to understand the requirements for federal and private student loans first.<\/p>\n<p><b>Here\u2019s how to get a student loan (and the requirements you should know about):<\/b><\/p>\n<ul>\n<li><a href=\"#how-to-apply\">How to apply for a student loan<\/a><\/li>\n<li><a href=\"#federal-vs-private\">Federal vs. private student loan requirements<\/a><\/li>\n<li><a href=\"#when-to-apply\">When to apply for student loans<\/a><\/li>\n<\/ul>\n<p><a name=\"how-to-apply\"><\/a><\/p>\n<h2>How to apply for a student loan<\/h2>\n<p>If you\u2019re ready to apply for a student loan, follow these three steps:<\/p>\n<ol>\n<li><a href=\"#fafsa\">Fill out and submit the FAFSA<\/a><\/li>\n<li><a href=\"#scholarships-and-grants\">Apply for scholarships and grants<\/a><\/li>\n<li><a href=\"#federal-loans\">Take out federal student loans<\/a><\/li>\n<\/ol>\n<p><a name=\"fafsa\"><\/a><\/p>\n<h3>1. Fill out and submit the FAFSA<\/h3>\n<p>If you need to pay for college, your first step should be completing the <a href=\"https:\/\/www.credible.com\/blog\/student-loans\/applying-for-fafsa\/\">Free Application for Federal Student Aid (FAFSA)<\/a>. Your school will use your FAFSA results to determine what federal student loans and other federal financial aid you qualify for.<\/p>\n<div class=\"basic-box\" style=\"border: 1px solid #E2E4E6;\"><div class=\"basic-box__inside\"><strong>Tip:<\/strong> Be sure to submit the FAFSA before the deadline so you don&#8217;t miss out on any aid you&#8217;re entitled to. For the 2023-2024 academic year, you have until June 30, 2024.<\/p>\n<p>Also keep in mind that some aid is given on a first-come, first-served basis \u2014 so it&#8217;s a good idea to complete the FAFSA as early as possible, especially if you have high financial need.<\/div><\/div>\n<p><img fetchpriority=\"high\" decoding=\"async\" class=\"alignnone size-medium wp-image-57569\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2020\/07\/How-to-fill-out-the-FAFSA-600x600.png\" alt=\"\" width=\"600\" height=\"600\" srcset=\"https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2020\/07\/How-to-fill-out-the-FAFSA-600x600.png 600w, https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2020\/07\/How-to-fill-out-the-FAFSA-1200x1200.png 1200w, https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2020\/07\/How-to-fill-out-the-FAFSA-200x200.png 200w, https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2020\/07\/How-to-fill-out-the-FAFSA-768x768.png 768w, https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2020\/07\/How-to-fill-out-the-FAFSA-300x300.png 300w, https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2020\/07\/How-to-fill-out-the-FAFSA-150x150.png 150w, https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2020\/07\/How-to-fill-out-the-FAFSA.png 1500w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/><\/p>\n<p><a name=\"scholarships-and-grants\"><\/a><\/p>\n<h3>2. Apply for scholarships and grants<\/h3>\n<p>Unlike student loans, <a href=\"https:\/\/www.credible.com\/blog\/student-loans\/college-scholarships\/\">college scholarships<\/a> and <a href=\"https:\/\/www.credible.com\/blog\/student-loans\/college-grants\/\">grants<\/a> don\u2019t have to be repaid \u2014 which makes them a great way to pay for school. There\u2019s no limit to how many scholarships and grants you can get, so it\u2019s a good idea to apply for as many as you can.<\/p>\n<div class=\"basic-box\" style=\"border: 1px solid #E2E4E6;\"><div class=\"basic-box__inside\"><b>Some organizations that might offer scholarships and grants include:<\/b><\/p>\n<ul>\n<li>Nonprofit organizations<\/li>\n<li>Local and national businesses<\/li>\n<li>Professional associations in your field<\/li>\n<\/ul>\n<p>Additionally, you can use sites like <a href=\"https:\/\/www.fastweb.com\/\">Fastweb<\/a> and <a href=\"https:\/\/www.scholarships.com\/\">Scholarships.com<\/a> to easily search for scholarships that you might qualify for. You might also be eligible for school-based scholarships depending on your FAFSA results. <\/div><\/div>\n<p><a name=\"federal-loans\"><\/a><\/p>\n<h3>3. Take out federal student loans<\/h3>\n<p>If you need to borrow for school, it\u2019s usually best to take out <a href=\"https:\/\/www.credible.com\/blog\/student-loans\/federal-student-loans-guide\/\">federal student loans<\/a> first. This is because these loans come with federal benefits and protections \u2014 such as access to income-driven repayment plans and student loan forgiveness programs.<\/p>\n<p>Here are the three main types of federal student loans that you might be eligible for:<\/p>\n<ul>\n<li><b>Direct Subsidized Loans: <\/b>These are available to undergraduate students with financial need. The government will cover the interest on subsidized loans while you\u2019re in school.<\/li>\n<li><b><a href=\"https:\/\/www.credible.com\/blog\/student-loans\/what-is-a-federal-direct-unsubsidized-loan\/\">Direct Unsubsidized Loans<\/a>:<\/b> These loans are available to both undergraduate and graduate students regardless of financial need. Unlike with subsidized loans, you\u2019re responsible for all the interest that accrues on unsubsidized loans.<\/li>\n<li><b>Direct PLUS Loans: <\/b>There are two categories of PLUS Loan \u2014 Grad PLUS Loans that can be used by graduate students and Parent PLUS Loans that can be used by parents who want to cover their child\u2019s education costs. Unlike <a href=\"https:\/\/www.credible.com\/blog\/student-loans\/subsidized-vs-unsubsidized-student-loans-which-is-for-you\/\">Direct Subsidized and Unsubsidized Loans<\/a>, Direct PLUS Loans require a credit check. They also typically come with higher interest rates.<\/li>\n<\/ul>\n<div class=\"basic-box\" style=\"border: 1px solid #E2E4E6;\"><div class=\"basic-box__inside\"><b>Tip: <\/b>After you submit the FAFSA, your school will send you a financial aid award letter detailing which federal student loans and other federal financial aid that you qualify for. You can then decide what aid you\u2019d like to accept. <\/div><\/div>\n<p><em><strong>Also see: <a href=\"https:\/\/www.credible.com\/blog\/student-loans\/graduate-school-fafsa\/\">FAFSA for Graduate School: What You Should Know<\/a><\/strong><\/em><\/p>\n<h3>4. Consider private student loans<\/h3>\n<p>After you\u2019ve exhausted your scholarship, grant, and federal student loan options, private student loans could help fill any financial gaps left over. While these loans don\u2019t come with federal protections, they do provide some benefits of their own \u2014 for example, you can apply at any time, and you might be able to borrow more than you\u2019d get with a federal loan.<\/p>\n<p>If you decide to take out a private student loan, be sure to consider as many lenders as possible to find the right loan for your needs. Credible makes this easy \u2014 you can compare your prequalified rates from our partner lenders in the table below in just two minutes.<\/p>\n\n<table id=\"tablepress-551\" class=\"tablepress tablepress-id-551 table table-border-top table-rounded table-no-img-margin table-capitalized-column-titles tbody-has-connected-cells\">\n<thead>\n<tr class=\"row-1\">\n\t<th class=\"column-1\"><strong>Lender<\/strong><\/th><th class=\"column-2\"><strong>Fixed rates from (APR)<\/strong><\/th><th class=\"column-3\"><strong>Variable rates from (APR)<\/strong><\/th><th class=\"column-4\"><strong>Loan amounts<\/strong><\/th><th class=\"column-5\"><strong>Loan terms (years)<\/strong><\/th><th class=\"column-6\"><strong>Cosigners allowed<\/strong><\/th>\n<\/tr>\n<\/thead>\n<tbody class=\"row-hover\">\n<tr class=\"row-2\">\n\t<td class=\"column-1\"><center><br \/>\n<br \/>\n        <div class=\"tablepress-rating-shortcode\">\n            <div class=\"heading__container\">\n                <span class=\"heading\">\n                                            <a href=\"https:\/\/www.credible.com\/lenders\/ascent\/\">Credible Rating<\/a>\n                                    <\/span>\n                                    <div class=\"even\" data-toggle=\"tip\" data-placement=\"top left\">\n                        <img decoding=\"async\" class=\"icon-help\" alt=\"Question mark icon to show more information\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/icon-help-dark.svg\">\n                        <span class=\"tip\">\n                            <span class=\"tip-content\">Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. <a href=\"https:\/\/www.credible.com\/blog\/credible-rating-lender-methodology\/\">Read our full methodology.<\/a><\/span>\n                            <span class=\"tip-arrow\"><\/span>\n                        <\/span>\n                    <\/div>\n                            <\/div>\n            <div class=\"star-rating__container\" role=\"img\" aria-label=\"4 star rating\">\n                            <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                    <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                    <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                    <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                            <img decoding=\"async\" class=\"star-light\" alt=\"A three-quarter star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-three-quarter.svg\">\n                    <\/div>\n            <div class=\"details-link\">\n                <a href=\"#\" class=\"collapsed\" data-target=\"#ascent-psl\" data-toggle=\"collapse\" role=\"button\">View details<\/a>\n            <\/div>\n        <\/div>\n        <\/td><td class=\"column-2\">  <span>\n    2.69%+<sup>10<\/sup>\n  <\/span>\n<\/td><td class=\"column-3\">  <span>\n    3.68%+<sup>10<\/sup>\n  <\/span>\n<\/td><td class=\"column-4\">$2,001* to $400,000<\/td><td class=\"column-5\">5, 7, 10, 12, 15, 20<br \/>\n<small>(depending on loan type)<\/small><\/td><td class=\"column-6\">Yes<\/td>\n<\/tr>\n<tr class=\"row-3\">\n\t<td colspan=\"6\" class=\"column-1\">            <div id=\"ascent-psl\" class=\"collapse tablepress-lender-details__container\">\n                <ul>\n                                                <li><span class=\"font-weight-bold\">Fixed APR:<\/span>\n                                  <span>\n    2.69%+<sup>10<\/sup>\n  <\/span>\n<\/li>\n                                                <li><span class=\"font-weight-bold\">Variable APR:<\/span>\n                                  <span>\n    3.68%+<sup>10<\/sup>\n  <\/span>\n<\/li>\n                                                <li><span class=\"font-weight-bold\">Min. credit score:<\/span>\n                                Does not disclose<\/li>\n                                                <li><span class=\"font-weight-bold\">Loan amount:<\/span>\n                                $2,001* to $400,000 <\/li>\n                                                <li><span class=\"font-weight-bold\">Loan terms (years):<\/span>\n                                5, 7, 10, 12, 15, 20<\/li>\n                                                <li><span class=\"font-weight-bold\">Repayment options:<\/span>\n                                Full deferral, fixed\/flat repayment, interest only, academic deferment, military deferment, forbearance, loans discharged upon death or disability<\/li>\n                                                <li><span class=\"font-weight-bold\">Fees:<\/span>\n                                None<\/li>\n                                                <li><span class=\"font-weight-bold\">Discounts:<\/span>\n                                0.25% to 1.00% automatic payment discount, 1% cash back graduation reward<\/li>\n                                                <li><span class=\"font-weight-bold\">Eligibility:<\/span>\n                                Must be a U.S. citizen or permanent resident or DACA student enrolled at least half-time in a degree-seeking program<\/li>\n                                                <li><span class=\"font-weight-bold\">Customer service:<\/span>\n                                Email, phone<\/li>\n                                                <li><span class=\"font-weight-bold\">Prequalified rates with a soft credit check:<\/span>\n                                Yes<\/li>\n                                                <li><span class=\"font-weight-bold\">Cosigner release:<\/span>\n                                After 12 on-time principal and interest payments<\/li>\n                                                <li><span class=\"font-weight-bold\">Loan servicer:<\/span>\n                                Launch Servicing, LLC<\/li>\n                                    <\/ul>\n                            <\/div>\n        <\/td>\n<\/tr>\n<tr class=\"row-4\">\n\t<td class=\"column-1\"><center><br \/>\n<br \/>\n        <div class=\"tablepress-rating-shortcode\">\n            <div class=\"heading__container\">\n                <span class=\"heading\">\n                                            <a href=\"https:\/\/www.credible.com\/lenders\/citizens-bank\/#citizens-bank-private-student-loans\">Credible Rating<\/a>\n                                    <\/span>\n                                    <div class=\"even\" data-toggle=\"tip\" data-placement=\"top left\">\n                        <img decoding=\"async\" class=\"icon-help\" alt=\"Question mark icon to show more information\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/icon-help-dark.svg\">\n                        <span class=\"tip\">\n                            <span class=\"tip-content\">Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. <a href=\"https:\/\/www.credible.com\/blog\/credible-rating-lender-methodology\/\">Read our full methodology.<\/a><\/span>\n                            <span class=\"tip-arrow\"><\/span>\n                        <\/span>\n                    <\/div>\n                            <\/div>\n            <div class=\"star-rating__container\" role=\"img\" aria-label=\"4 star rating\">\n                            <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                    <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                    <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                    <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                            <img decoding=\"async\" class=\"star-light\" alt=\"A three-quarter star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-three-quarter.svg\">\n                    <\/div>\n            <div class=\"details-link\">\n                <a href=\"#\" class=\"collapsed\" data-target=\"#citizens-bank-psl\" data-toggle=\"collapse\" role=\"button\">View details<\/a>\n            <\/div>\n        <\/div>\n        <\/td><td class=\"column-2\">  <span>\n    3.24%+<sup>1<\/sup>\n  <\/span>\n<\/td><td class=\"column-3\">  <span>\n    4.99%+<sup><\/sup>\n  <\/span>\n<\/td><td class=\"column-4\">$1,000 to $350,000<br \/>\n<small>(depending on degree)<\/small><\/td><td class=\"column-5\">5, 10, 15<\/td><td class=\"column-6\">Yes<\/td>\n<\/tr>\n<tr class=\"row-5\">\n\t<td colspan=\"6\" class=\"column-1\">            <div id=\"citizens-bank-psl\" class=\"collapse tablepress-lender-details__container\">\n                <ul>\n                                                <li><span class=\"font-weight-bold\">Fixed APR:<\/span>\n                                  <span>\n    3.24%+<sup>1<\/sup>\n  <\/span>\n<\/li>\n                                                <li><span class=\"font-weight-bold\">Variable APR:<\/span>\n                                  <span>\n    4.99%+<sup><\/sup>\n  <\/span>\n<\/li>\n                                                <li><span class=\"font-weight-bold\">Min. credit score:<\/span>\n                                720<\/li>\n                                                <li><span class=\"font-weight-bold\">Loan amount:<\/span>\n                                $1,000 to $350,000<\/li>\n                                                <li><span class=\"font-weight-bold\">Loan terms (years):<\/span>\n                                5, 10, 15<\/li>\n                                                <li><span class=\"font-weight-bold\">Loan types:<\/span>\n                                Any private or federal student loan<\/li>\n                                                <li><span class=\"font-weight-bold\">Repayment options:<\/span>\n                                Full deferral, full monthly payment, interest only, immediate repayment, academic deferment, military deferment, forbearance, loans discharged upon death or disability<\/li>\n                                                <li><span class=\"font-weight-bold\">Fees:<\/span>\n                                Late fee<\/li>\n                                                <li><span class=\"font-weight-bold\">Discounts:<\/span>\n                                Autopay, loyalty<\/li>\n                                                <li><span class=\"font-weight-bold\">Eligibility:<\/span>\n                                Available in all 50 states (international students can apply with a creditworthy U.S. citizen or permanent resident cosigner)<\/li>\n                                                <li><span class=\"font-weight-bold\">Customer service:<\/span>\n                                Email, phone, chat<\/li>\n                                                <li><span class=\"font-weight-bold\">Soft credit check:<\/span>\n                                Yes<\/li>\n                                                <li><span class=\"font-weight-bold\">Cosigner release:<\/span>\n                                After 36 months<\/li>\n                                                <li><span class=\"font-weight-bold\">Loan servicer:<\/span>\n                                Firstmark Services<\/li>\n                                    <\/ul>\n                            <\/div>\n        <\/td>\n<\/tr>\n<tr class=\"row-6\">\n\t<td class=\"column-1\"><center><br \/>\n<br \/>\n        <div class=\"tablepress-rating-shortcode\">\n            <div class=\"heading__container\">\n                <span class=\"heading\">\n                                            <a href=\"https:\/\/www.credible.com\/lenders\/college-ave\/#college-ave-private-student-loans\">Credible Rating<\/a>\n                                    <\/span>\n                                    <div class=\"even\" data-toggle=\"tip\" data-placement=\"top left\">\n                        <img decoding=\"async\" class=\"icon-help\" alt=\"Question mark icon to show more information\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/icon-help-dark.svg\">\n                        <span class=\"tip\">\n                            <span class=\"tip-content\">Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. <a href=\"https:\/\/www.credible.com\/blog\/credible-rating-lender-methodology\/\">Read our full methodology.<\/a><\/span>\n                            <span class=\"tip-arrow\"><\/span>\n                        <\/span>\n                    <\/div>\n                            <\/div>\n            <div class=\"star-rating__container\" role=\"img\" aria-label=\"4 star rating\">\n                            <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                    <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                    <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                    <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                            <img decoding=\"async\" class=\"star-light\" alt=\"A three-quarter star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-three-quarter.svg\">\n                    <\/div>\n            <div class=\"details-link\">\n                <a href=\"#\" class=\"collapsed\" data-target=\"#college-ave-psl\" data-toggle=\"collapse\" role=\"button\">View details<\/a>\n            <\/div>\n        <\/div>\n        <\/td><td class=\"column-2\">  <span>\n    2.84%+<sup>2,3<\/sup>\n  <\/span>\n<br \/>\n<\/td><td class=\"column-3\">  <span>\n    3.89%+<sup>2,3<\/sup>\n  <\/span>\n<\/td><td class=\"column-4\">$1,000 up to 100% of the school-certified cost of attendance<\/td><td class=\"column-5\">5, 8, 10, 15, 20<\/td><td class=\"column-6\">Yes<\/td>\n<\/tr>\n<tr class=\"row-7\">\n\t<td colspan=\"6\" class=\"column-1\">            <div id=\"college-ave-psl\" class=\"collapse tablepress-lender-details__container\">\n                <ul>\n                                                <li><span class=\"font-weight-bold\">Fixed APR:<\/span>\n                                  <span>\n    2.84%+<sup>2,3<\/sup>\n  <\/span>\n<\/li>\n                                                <li><span class=\"font-weight-bold\">Variable APR:<\/span>\n                                  <span>\n    3.89%+<sup>2,3<\/sup>\n  <\/span>\n<\/li>\n                                                <li><span class=\"font-weight-bold\">Min. credit score:<\/span>\n                                Does not disclose<\/li>\n                                                <li><span class=\"font-weight-bold\">Loan amount:<\/span>\n                                $1,000 up to cost of attendance<\/li>\n                                                <li><span class=\"font-weight-bold\">Loan terms (years):<\/span>\n                                5, 8, 10, 15, 20<\/li>\n                                                <li><span class=\"font-weight-bold\">Repayment options:<\/span>\n                                Full deferral, full monthly payment, fixed\/flat repayment, interest only, immediate repayment, academic deferment, forbearance, loans discharged upon death or disability<\/li>\n                                                <li><span class=\"font-weight-bold\">Fees:<\/span>\n                                Late fee<\/li>\n                                                <li><span class=\"font-weight-bold\">Discounts:<\/span>\n                                Autopay<\/li>\n                                                <li><span class=\"font-weight-bold\">Eligibility:<\/span>\n                                Must be a U.S. citizen or permanent resident and be making satisfactory academic progress.<\/li>\n                                                <li><span class=\"font-weight-bold\">Customer service:<\/span>\n                                Email, phone<\/li>\n                                                <li><span class=\"font-weight-bold\">Prequalified rates with a soft credit check:<\/span>\n                                Yes<\/li>\n                                                <li><span class=\"font-weight-bold\">Cosigner release:<\/span>\n                                After half of the scheduled repayment term has been completed<\/li>\n                                                <li><span class=\"font-weight-bold\">Loan servicer:<\/span>\n                                College Ave Servicing LLC\r\n<p><i><sup>Learn more about<a href=\"https:\/\/help.collegeavestudentloans.com\/hc\/en-us\/articles\/5560603133079-Can-a-cosigner-be-released-from-a-loan-\"> cosigner release requirements.<\/a> Requesting prequalified rates on Credible is free and doesn't affect your credit score. However, applying for or closing a loan will involve a hard credit pull that impacts your credit score and closing a loan will result in costs to you.<\/p><\/i><\/sup><\/li>\n                                    <\/ul>\n                            <\/div>\n        <\/td>\n<\/tr>\n<tr class=\"row-8\">\n\t<td class=\"column-1\"><center><br \/>\n<br \/>\n        <div class=\"tablepress-rating-shortcode\">\n            <div class=\"heading__container\">\n                <span class=\"heading\">\n                                            <a href=\"https:\/\/www.credible.com\/lenders\/custom-choice\/\">Credible Rating<\/a>\n                                    <\/span>\n                                    <div class=\"even\" data-toggle=\"tip\" data-placement=\"top left\">\n                        <img decoding=\"async\" class=\"icon-help\" alt=\"Question mark icon to show more information\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/icon-help-dark.svg\">\n                        <span class=\"tip\">\n                            <span class=\"tip-content\">Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. <a href=\"https:\/\/www.credible.com\/blog\/credible-rating-lender-methodology\/\">Read our full methodology.<\/a><\/span>\n                            <span class=\"tip-arrow\"><\/span>\n                        <\/span>\n                    <\/div>\n                            <\/div>\n            <div class=\"star-rating__container\" role=\"img\" aria-label=\"4 star rating\">\n                            <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                    <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                    <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                    <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                            <img decoding=\"async\" class=\"star-light\" alt=\"A half star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-half.svg\">\n                    <\/div>\n            <div class=\"details-link\">\n                <a href=\"#\" class=\"collapsed\" data-target=\"#custom-choice-psl\" data-toggle=\"collapse\" role=\"button\">View details<\/a>\n            <\/div>\n        <\/div>\n        <\/td><td class=\"column-2\">  <span>\n    3.35%+<sup><\/sup>\n  <\/span>\n<\/td><td class=\"column-3\">  <span>\n    3.5%+<sup><\/sup>\n  <\/span>\n<\/td><td class=\"column-4\">$1,000 to $99,999 annually <br \/>\n<small>($180,000 aggregate limit)<\/small><\/td><td class=\"column-5\">7, 10, 15<\/td><td class=\"column-6\">Yes<\/td>\n<\/tr>\n<tr class=\"row-9\">\n\t<td colspan=\"6\" class=\"column-1\">            <div id=\"custom-choice-psl\" class=\"collapse tablepress-lender-details__container\">\n                <ul>\n                                                <li><span class=\"font-weight-bold\">Fixed APR:<\/span>\n                                  <span>\n    3.35%+<sup><\/sup>\n  <\/span>\n<a href=\"https:\/\/www.credible.com\/a\/cogfin-disclosures\"><sup>11<\/sup><\/a><\/li>\n                                                <li><span class=\"font-weight-bold\">Variable APR:<\/span>\n                                  <span>\n    3.5%+<sup><\/sup>\n  <\/span>\n<a href=\"https:\/\/www.credible.com\/a\/cogfin-disclosures\"><sup>11<\/sup><\/a><\/li>\n                                                <li><span class=\"font-weight-bold\">Loan amount:<\/span>\n                                $1,000 to $99,999 annually\r\n<small>($180,000 aggregate limit)<a href=\"https:\/\/www.credible.com\/a\/cogfin-disclosures\"><sup>11<\/sup><\/a><\/small><\/li>\n                                                <li><span class=\"font-weight-bold\">Loan terms (years):<\/span>\n                                7, 10, 15<a href=\"https:\/\/www.credible.com\/a\/cogfin-disclosures\"><sup>11<\/sup><\/a><\/li>\n                                                <li><span class=\"font-weight-bold\">Repayment options:<\/span>\n                                Full deferral, immediate repayment, interest-only repayment, flat\/full repayment, academic deferment, military deferment, forbearance, loans discharged upon death or disability<\/li>\n                                                <li><span class=\"font-weight-bold\">Fees:<\/span>\n                                None<\/li>\n                                                <li><span class=\"font-weight-bold\">Discounts:<\/span>\n                                Autopay<a href=\"https:\/\/www.credible.com\/a\/cogfin-disclosures\"><sup>11<\/sup><\/a><\/li>\n                                                <li><span class=\"font-weight-bold\">Eligibility:<\/span>\n                                Available to borrowers in all 50 states. Must be a U.S. citizen or permanent resident.<\/li>\n                                                <li><span class=\"font-weight-bold\">Customer service:<\/span>\n                                Phone, email<\/li>\n                                                <li><span class=\"font-weight-bold\">Prequalified rates with a soft credit check:<\/span>\n                                Yes<\/li>\n                                                <li><span class=\"font-weight-bold\">Cosigner release:<\/span>\n                                After 36 months<a href=\"https:\/\/www.credible.com\/a\/cogfin-disclosures\"><sup>11<\/sup><\/a><\/li>\n                                                <li><span class=\"font-weight-bold\">Loan servicer:<\/span>\n                                American Education Services<\/li>\n                                                <li><span class=\"font-weight-bold\">Min. income:<\/span>\n                                $1<\/li>\n                                    <\/ul>\n                            <\/div>\n        <\/td>\n<\/tr>\n<tr class=\"row-10\">\n\t<td class=\"column-1\"><center><br \/>\n<br \/>\n        <div class=\"tablepress-rating-shortcode\">\n            <div class=\"heading__container\">\n                <span class=\"heading\">\n                                            <a href=\"https:\/\/www.credible.com\/lenders\/invested\/#invested-private-student-loans\">Credible Rating<\/a>\n                                    <\/span>\n                                    <div class=\"even\" data-toggle=\"tip\" data-placement=\"top left\">\n                        <img decoding=\"async\" class=\"icon-help\" alt=\"Question mark icon to show more information\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/icon-help-dark.svg\">\n                        <span class=\"tip\">\n                            <span class=\"tip-content\">Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. <a href=\"https:\/\/www.credible.com\/blog\/credible-rating-lender-methodology\/\">Read our full methodology.<\/a><\/span>\n                            <span class=\"tip-arrow\"><\/span>\n                        <\/span>\n                    <\/div>\n                            <\/div>\n            <div class=\"star-rating__container\" role=\"img\" aria-label=\"4 star rating\">\n                            <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                    <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                    <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                    <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                            <img decoding=\"async\" class=\"star-light\" alt=\"A half star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-half.svg\">\n                    <\/div>\n            <div class=\"details-link\">\n                <a href=\"#\" class=\"collapsed\" data-target=\"#invested-psl\" data-toggle=\"collapse\" role=\"button\">View details<\/a>\n            <\/div>\n        <\/div>\n        <\/td><td class=\"column-2\">  <span>\n    4.5%+<sup>8<\/sup>\n  <\/span>\n<\/td><td class=\"column-3\">  <span>\n    6.47%+<sup>8<\/sup>\n  <\/span>\n<\/td><td class=\"column-4\">$1,001 up to 100% of school certified cost of attendance<\/td><td class=\"column-5\">5, 10, 15<\/td><td class=\"column-6\">Yes<\/td>\n<\/tr>\n<tr class=\"row-11\">\n\t<td colspan=\"6\" class=\"column-1\">            <div id=\"invested-psl\" class=\"collapse tablepress-lender-details__container\">\n                <ul>\n                                                <li><span class=\"font-weight-bold\">Fixed APR:<\/span>\n                                  <span>\n    4.5%+<sup>8<\/sup>\n  <\/span>\n<\/li>\n                                                <li><span class=\"font-weight-bold\">Variable APR:<\/span>\n                                  <span>\n    6.47%+<sup>8<\/sup>\n  <\/span>\n<\/li>\n                                                <li><span class=\"font-weight-bold\">Min. credit score:<\/span>\n                                670<\/li>\n                                                <li><span class=\"font-weight-bold\">Loan amount:<\/span>\n                                $1,001 up to cost of attendance<\/li>\n                                                <li><span class=\"font-weight-bold\">Loan terms (years):<\/span>\n                                5, 10, 15<\/li>\n                                                <li><span class=\"font-weight-bold\">Repayment options:<\/span>\n                                Full deferral, full monthly payment, interest only, immediate repayment, academic deferment, forbearance<\/li>\n                                                <li><span class=\"font-weight-bold\">Fees:<\/span>\n                                Late fee<\/li>\n                                                <li><span class=\"font-weight-bold\">Discounts:<\/span>\n                                Autopay, reward for on-time graduation<\/li>\n                                                <li><span class=\"font-weight-bold\">Eligibility:<\/span>\n                                Must be an Indiana resident or a U.S. citizen attending an eligible Indiana school<\/li>\n                                                <li><span class=\"font-weight-bold\">Customer service:<\/span>\n                                Email, phone, chat<\/li>\n                                                <li><span class=\"font-weight-bold\">Prequalified rates with a soft credit check:<\/span>\n                                Yes<\/li>\n                                                <li><span class=\"font-weight-bold\">Cosigner release:<\/span>\n                                After 12 months<\/li>\n                                                <li><span class=\"font-weight-bold\">Loan servicer:<\/span>\n                                American Education Services<\/li>\n                                    <\/ul>\n                            <\/div>\n        <\/td>\n<\/tr>\n<tr class=\"row-12\">\n\t<td class=\"column-1\"><center><br \/>\n<br \/>\n        <div class=\"tablepress-rating-shortcode\">\n            <div class=\"heading__container\">\n                <span class=\"heading\">\n                                            <a href=\"https:\/\/www.credible.com\/lenders\/mefa\/#mefa-private-student-loans\">Credible Rating<\/a>\n                                    <\/span>\n                                    <div class=\"even\" data-toggle=\"tip\" data-placement=\"top left\">\n                        <img decoding=\"async\" class=\"icon-help\" alt=\"Question mark icon to show more information\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/icon-help-dark.svg\">\n                        <span class=\"tip\">\n                            <span class=\"tip-content\">Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. <a href=\"https:\/\/www.credible.com\/blog\/credible-rating-lender-methodology\/\">Read our full methodology.<\/a><\/span>\n                            <span class=\"tip-arrow\"><\/span>\n                        <\/span>\n                    <\/div>\n                            <\/div>\n            <div class=\"star-rating__container\" role=\"img\" aria-label=\"4 star rating\">\n                            <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                    <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                    <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                    <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                            <img decoding=\"async\" class=\"star-light\" alt=\"A half star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-half.svg\">\n                    <\/div>\n            <div class=\"details-link\">\n                <a href=\"#\" class=\"collapsed\" data-target=\"#mefa-psl\" data-toggle=\"collapse\" role=\"button\">View details<\/a>\n            <\/div>\n        <\/div>\n        <\/td><td class=\"column-2\">  <span>\n    3.29%+<sup><\/sup>\n  <\/span>\n<\/td><td class=\"column-3\">N\/A<\/td><td class=\"column-4\">$1,500 or $2,000 up to school\u2019s certified cost of attendance <br \/>\n<small>(depending on school type and minus other aid received)<\/small><\/td><td class=\"column-5\">10, 15<\/td><td class=\"column-6\">Yes<\/td>\n<\/tr>\n<tr class=\"row-13\">\n\t<td colspan=\"6\" class=\"column-1\">            <div id=\"mefa-psl\" class=\"collapse tablepress-lender-details__container\">\n                <ul>\n                                                <li><span class=\"font-weight-bold\">Fixed APR:<\/span>\n                                  <span>\n    3.29%+<sup><\/sup>\n  <\/span>\n<\/li>\n                                                <li><span class=\"font-weight-bold\">Variable APR:<\/span>\n                                N\/A<\/li>\n                                                <li><span class=\"font-weight-bold\">Min. credit score:<\/span>\n                                670<\/li>\n                                                <li><span class=\"font-weight-bold\">Loan amount:<\/span>\n                                $1,500 up to cost of attendance less aid<\/li>\n                                                <li><span class=\"font-weight-bold\">Loan terms (years):<\/span>\n                                10, 15<\/li>\n                                                <li><span class=\"font-weight-bold\">Repayment options:<\/span>\n                                Full deferral, interest only, immediate repayment, academic deferral, forbearance<\/li>\n                                                <li><span class=\"font-weight-bold\">Fees:<\/span>\n                                None<\/li>\n                                                <li><span class=\"font-weight-bold\">Discounts:<\/span>\n                                None<\/li>\n                                                <li><span class=\"font-weight-bold\">Eligibility:<\/span>\n                                Must be a U.S. citizen or permanent resident and be making satisfactory academic progress.<\/li>\n                                                <li><span class=\"font-weight-bold\">Customer service:<\/span>\n                                Email, phone<\/li>\n                                                <li><span class=\"font-weight-bold\">Prequalified rates with a soft credit check:<\/span>\n                                Yes<\/li>\n                                                <li><span class=\"font-weight-bold\">Cosigner release:<\/span>\n                                After 48 months<\/li>\n                                                <li><span class=\"font-weight-bold\">Loan servicer:<\/span>\n                                American Education Services (AES)<\/li>\n                                    <\/ul>\n                            <\/div>\n        <\/td>\n<\/tr>\n<tr class=\"row-14\">\n\t<td class=\"column-1\"><center><br \/>\n<br \/>\n        <div class=\"tablepress-rating-shortcode\">\n            <div class=\"heading__container\">\n                <span class=\"heading\">\n                                            <a href=\"https:\/\/www.credible.com\/lenders\/sallie-mae\/\">Credible Rating<\/a>\n                                    <\/span>\n                                    <div class=\"even\" data-toggle=\"tip\" data-placement=\"top left\">\n                        <img decoding=\"async\" class=\"icon-help\" alt=\"Question mark icon to show more information\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/icon-help-dark.svg\">\n                        <span class=\"tip\">\n                            <span class=\"tip-content\">Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. <a href=\"https:\/\/www.credible.com\/blog\/credible-rating-lender-methodology\/\">Read our full methodology.<\/a><\/span>\n                            <span class=\"tip-arrow\"><\/span>\n                        <\/span>\n                    <\/div>\n                            <\/div>\n            <div class=\"star-rating__container\" role=\"img\" aria-label=\"4 star rating\">\n                            <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                    <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                    <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                    <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                            <img decoding=\"async\" class=\"star-light\" alt=\"A one-quarter star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-quarter.svg\">\n                        <\/div>\n            <div class=\"details-link\">\n                <a href=\"#\" class=\"collapsed\" data-target=\"#sallie-mae-psl\" data-toggle=\"collapse\" role=\"button\">View details<\/a>\n            <\/div>\n        <\/div>\n        <\/td><td class=\"column-2\"><span style=\"font-weight: 400;\">  <span>\n    2.890%<sup>9<\/sup>\n  <\/span>\n -   <span>\n    17.49%<sup>9<\/sup>\n  <\/span>\n<\/span><\/td><td class=\"column-3\"><span style=\"font-weight: 400;\">  <span>\n    3.75%<sup>9<\/sup>\n  <\/span>\n -   <span>\n    16.370%<sup>9<\/sup>\n  <\/span>\n<\/span><\/td><td class=\"column-4\">$1,000 up to 100% of school-certified cost of attendance<\/td><td class=\"column-5\">10 to 20<\/td><td class=\"column-6\">Yes<\/td>\n<\/tr>\n<tr class=\"row-15\">\n\t<td colspan=\"6\" class=\"column-1\">            <div id=\"sallie-mae-psl\" class=\"collapse tablepress-lender-details__container\">\n                <ul>\n                                                <li><span class=\"font-weight-bold\">Fixed APR:<\/span>\n                                <span style=\"font-weight: 400;\">  <span>\n    2.890%<sup>9<\/sup>\n  <\/span>\n -   <span>\n    17.49%<sup>9<\/sup>\n  <\/span>\n<\/span><\/li>\n                                                <li><span class=\"font-weight-bold\">Variable APR:<\/span>\n                                <span style=\"font-weight: 400;\">  <span>\n    3.75%<sup>9<\/sup>\n  <\/span>\n -   <span>\n    16.370%<sup>9<\/sup>\n  <\/span>\n<\/span><\/li>\n                                                <li><span class=\"font-weight-bold\">Min. credit score:<\/span>\n                                Does not disclose<\/li>\n                                                <li><span class=\"font-weight-bold\">Loan amount:<\/span>\n                                $1,000 up to 100% of school-certified cost of attendance<\/li>\n                                                <li><span class=\"font-weight-bold\">Loan terms (years):<\/span>\n                                10 to 20<sup>9<\/sup><\/li>\n                                                <li><span class=\"font-weight-bold\">Repayment options:<\/span>\n                                Full deferral, fixed\/flat repayment, interest only, academic deferment, forbearance, loans discharged upon death or disability<\/li>\n                                                <li><span class=\"font-weight-bold\">Fees:<\/span>\n                                Late fee, non-sufficient funds (NSF) fee<\/li>\n                                                <li><span class=\"font-weight-bold\">Discounts:<\/span>\n                                Autopay<\/li>\n                                                <li><span class=\"font-weight-bold\">Eligibility:<\/span>\n                                Must be a U.S. citizen or permanent resident. Also available to non-U.S. citizen students (including DACA students) attending a school located in the U.S. who apply with a qualifying cosigner.<\/li>\n                                                <li><span class=\"font-weight-bold\">Customer service:<\/span>\n                                Phone, chat<\/li>\n                                                <li><span class=\"font-weight-bold\">Prequalified rates with a soft credit check:<\/span>\n                                Yes<\/li>\n                                                <li><span class=\"font-weight-bold\">Cosigner release:<\/span>\n                                Borrowers can apply after graduation, 12 consecutive on-time principal and interest payments, and meeting certain credit requirements.<\/li>\n                                                <li><span class=\"font-weight-bold\">Loan servicer:<\/span>\n                                Sallie Mae<\/li>\n                                    <\/ul>\n                            <\/div>\n        <\/td>\n<\/tr>\n<tr class=\"row-16\">\n\t<td colspan=\"6\" class=\"column-1\"><center><b>Compare rates without affecting<br> your credit score. 100% free!<\/b><br><br \/>\n<a class=\"btn btn-warning\" href=\"https:\/\/www.credible.com\/student-loans\/start\">Compare Now<\/a><\/center><br><\/td>\n<\/tr>\n<tr class=\"row-17\">\n\t<td colspan=\"6\" class=\"column-1\"><p style=\"text-align: center;\"><small>Lowest APRs reflect autopay, loyalty, and interest-only repayment discounts where available | <a href=\"https:\/\/www.credible.com\/blog\/credible-rating-lender-methodology\/\">Read our full methodology<\/a> | <sup>10<\/sup><a href=\"https:\/\/www.credible.com\/a\/ascent-student-loan-disclosure\/\" target=\"_blank\" rel=\"noopener noreferrer\">Ascent Disclosures<\/a> | <sup>1<\/sup><a href=\"https:\/\/www.citizensbank.com\/student-lending\/DisclosureHub.aspx#rate-lowest\" target=\"_blank\" rel=\"noopener noreferrer\">Citizens Disclosures <\/a> | <sup>2,3<\/sup><a href=\"https:\/\/www.credible.com\/a\/college-ave-disclosures\/\" target=\"_blank\" rel=\"noopener noreferrer\">College Ave Disclosures<\/a> | <sup>11<\/sup><a href=\"https:\/\/www.credible.com\/a\/cogfin-disclosures\" target=\"_blank\" rel=\"noopener noreferrer\">Custom Choice Disclosures<\/a> | <sup>7<\/sup><a href=\"https:\/\/www.credible.com\/a\/edvestinu-apr-details-inschool\" target=\"_blank\" rel=\"noopener noreferrer\">EDvestinU Disclosures<\/a> | <sup>8<\/sup><a href=\"https:\/\/www.credible.com\/a\/invested-disclosures\" target=\"_blank\" rel=\"noopener noreferrer\">INvestEd Disclosures<\/a> | <sup>9<\/sup><a href=\"https:\/\/www.credible.com\/a\/sallie-mae-homepage-disclosures\/\" target=\"_blank\" rel=\"noopener noreferrer\">Sallie Mae Disclosures<\/a><\/small><\/p><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n\n<p><a name=\"federal-vs-private\"><\/a><\/p>\n<h2>Federal vs. private student loan requirements<\/h2>\n<p>While federal and private student loans can both help you <a href=\"https:\/\/www.credible.com\/blog\/student-loans\/how-student-loans-can-be-used\/\">cover your college expenses<\/a>, they each come with their own requirements. Here\u2019s what you should keep in mind as you consider your student loan options:<\/p>\n\n<table id=\"tablepress-836\" class=\"tablepress tablepress-id-836\">\n<thead>\n<tr class=\"row-1\">\n\t<td class=\"column-1\"><\/td><th class=\"column-2\"><strong>Federal student loans<\/strong><\/th><th class=\"column-3\"><strong>Private student loans<\/strong<\/th>\n<\/tr>\n<\/thead>\n<tbody class=\"row-striping row-hover\">\n<tr class=\"row-2\">\n\t<td class=\"column-1\"><strong>Be a U.S. citizen or eligible noncitizen?<\/strong><\/td><td class=\"column-2\">Yes<\/td><td class=\"column-3\">Yes<\/td>\n<\/tr>\n<tr class=\"row-3\">\n\t<td class=\"column-1\"><strong>Have financial need?<\/strong><\/td><td class=\"column-2\">Yes, for Direct Subsidized Loans<\/td><td class=\"column-3\">No<\/td>\n<\/tr>\n<tr class=\"row-4\">\n\t<td class=\"column-1\"><strong>Be enrolled in an eligible degree or certificate program?<\/strong><\/td><td class=\"column-2\">Yes<\/td><td class=\"column-3\">Yes<\/td>\n<\/tr>\n<tr class=\"row-5\">\n\t<td class=\"column-1\"><strong>Be enrolled at least half time?<\/strong><\/td><td class=\"column-2\">Yes<\/td><td class=\"column-3\">Depends on the lender<\/td>\n<\/tr>\n<tr class=\"row-6\">\n\t<td class=\"column-1\"><strong>Make satisfactory academic progress?<\/strong><\/td><td class=\"column-2\">Yes<\/td><td class=\"column-3\">Typically yes<\/td>\n<\/tr>\n<tr class=\"row-7\">\n\t<td class=\"column-1\"><strong>Complete the FAFSA?<\/strong><\/td><td class=\"column-2\">Yes<\/td><td class=\"column-3\">No<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n\n<h3>Federal student loan requirements<\/h3>\n<p>If you\u2019ve maxed out your scholarship and grant options (or don\u2019t qualify), federal student loans could be a good alternative to pay for college.<\/p>\n<p>Here are the main requirements for federal student loans:<\/p>\n<ul>\n<li><b>Demonstrate financial need. <\/b>Financial need is calculated when you complete the FAFSA and is required to qualify for Direct Subsidized Loans. However, you might be able to qualify for Direct Unsubsidized or PLUS Loans regardless of financial need.<\/li>\n<li><b>Be a U.S. citizen or eligible noncitizen. <\/b>Some legal U.S. residents without citizenship might still qualify.<\/li>\n<li><b>Have a Social Security number. <\/b>Outside of residents from a few U.S. territories, you must have a valid Social Security number.<\/li>\n<li><b>Enroll in an eligible degree or certificate program. <\/b>You can\u2019t use federal student loans unless you\u2019re attending an accredited or recognized program.<\/li>\n<li><b>Make satisfactory academic progress.<\/b> Each school sets its own academic standards. If you don\u2019t maintain the minimum grades your school requires, you risk getting cut off from federal aid programs.<\/li>\n<li><b>Register with Selective Service.<\/b> Men between ages 18 and 25 must sign up for the draft through Selective Service.<\/li>\n<li><b>Enroll at least half time for Federal Direct Loans. <\/b>For most student loan programs, you must sign up for at least a <a href=\"https:\/\/www.credible.com\/blog\/student-loans\/part-time-student-loans\/\">half-time course load<\/a>.<\/li>\n<li><b>Complete and sign the FAFSA.<\/b> Your FAFSA information is used to calculate your financial need, which is the difference between what your family is expected to contribute and your estimated cost of attendance.<\/li>\n<li><b>Have qualifications needed for your program:<\/b> A high school diploma, <a href=\"https:\/\/www.credible.com\/blog\/student-loans\/college-for-geds\/\">GED<\/a>, homeschool program, or equivalent is required.<\/li>\n<\/ul>\n<div class=\"basic-box\" style=\"border: 1px solid #E2E4E6;\"><div class=\"basic-box__inside\"><b>Tip:<\/b> If you don\u2019t qualify for a federal student loan, consider searching for more scholarships and grants or applying for a private student loan instead.<\/div><\/div>\n<p><b><i>Learn More: <\/i><\/b><a href=\"https:\/\/www.credible.com\/blog\/student-loans\/how-student-loans-work\/\"><b><i>How Do Federal and Private Student Loans Work?<\/i><\/b><\/a><\/p>\n<h3>Private student loan requirements<\/h3>\n<p>Unlike federal loans, there isn\u2019t just one set of private student loan requirements. Instead, each lender has its own rules.<\/p>\n<p>However, there are some common requirements to qualify for <a href=\"https:\/\/www.credible.com\/student-loans\">private student loans<\/a> that you\u2019ll likely come across, including:<\/p>\n<ul>\n<li><b>Enroll in an eligible program. <\/b>You can\u2019t use private student loans if you aren\u2019t a student, and you must be enrolled in an eligible program.<\/li>\n<li><b>Meet demographic requirements. <\/b>Most lenders require you to be a U.S. citizen or legal resident with a Social Security number. You\u2019ll also generally need to be at least 18 years old and hold a high school diploma or equivalent.<\/li>\n<li><b>Use the loan for education purposes. <\/b>While lenders won\u2019t watch where you spend every dollar, you should plan to use your loans only for school expenses \u2014 mainly because you\u2019ll have to pay everything back in the future, including any extra funds left over after paying tuition, fees, and other direct costs.<\/li>\n<li><b>Have a good credit history. <\/b>Unlike most federal loans, private loans require a credit check. You\u2019ll typically need good to excellent credit to qualify \u2014 a good credit score is usually considered to be 700 or higher. If you have poor or fair credit (or even no credit), you might need to apply with a creditworthy cosigner to increase your approval odds.<\/li>\n<li><b>Have verifiable income.<\/b> Lenders will review your income and debt-to-income ratio to determine if you\u2019re able to repay what you borrow.<\/li>\n<\/ul>\n<div class=\"basic-box\" style=\"border: 1px solid #E2E4E6;\"><div class=\"basic-box__inside\"><b>Tip:<\/b> Most of these requirements are firm. But in some cases, you might be able to get around a lender\u2019s minimum credit score or income requirement if you can <a href=\"https:\/\/www.credible.com\/blog\/student-loans\/cosigner-explained\/\">find a cosigner<\/a> with good credit. Because most undergraduate students haven\u2019t yet established a good credit history, over 93% of student loans are taken out with a cosigner.<\/p>\n<p>Even if you don\u2019t need a cosigner to qualify, having one could get you a lower interest rate than you\u2019d get on your own. Just remember your cosigner will share responsibility for the loan \u2014 which means they\u2019ll be on the hook if you can\u2019t make your payments.<\/div><\/div>\n<p><b><i>Check Out: <\/i><\/b><a href=\"https:\/\/www.credible.com\/blog\/student-loans\/small-student-loans\/\"><b><i>Best Small Student Loans<\/i><\/b><\/a><\/p>\n<div id=\"loan-score-tool\">\n  Loading widget - loan-score-tool\n<\/div>\n\n<h2>When to apply for student loans<\/h2>\n<p>If you\u2019re eligible for student loans, it\u2019s important to apply well in advance of when you\u2019ll need the funds. Here when you should generally plan to apply for student loans:<\/p>\n<ul>\n<li><b>Federal student loans: <\/b>You\u2019ll need to complete the FAFSA to apply for student loans, which means you\u2019ll have to meet the FAFSA deadline. For the 2023-2024 academic year, you have until June 30, 2024, to fill out the FAFSA. Keep in mind that some financial aid is given on a first-come, first-serve basis \u2014 so it\u2019s a good idea to submit the FAFSA as early as possible, especially if you have high financial need.<\/li>\n<li><b>Private student loans:<\/b> Unlike federal student loans, private loans don\u2019t have an application deadline. But even if you\u2019re approved, it could take around three weeks from the time you submit your application until you get your funds \u2014 and sometimes up to two or three months if there are any delays. Because of this, it\u2019s wise to apply for a private student loan as soon as you know you\u2019ll need one so you\u2019ll have plenty of time.<\/li>\n<\/ul>\n<p>If you decide to take out a private student loan, remember to shop around and consider as many lenders as you can. This way, you can find the right loan for your situation.<\/p>\n<p>This is easy with Credible: You can compare your prequalified rates from multiple lenders in two minutes \u2014 without affecting your credit.<\/p>\n<div class=\"basic-box\" style=\"border: 1px solid #E2E4E6;\"><div class=\"basic-box__inside\"><span style=\"font-size: x-large;\"><strong>Compare student loan rates from top lenders<\/strong><\/span><\/p>\n<ul class=\"list--iconArrow accent--isGreen\">\n<li>Multiple lenders compete to get you the best rate<\/li>\n<li>Get actual rates, not estimated ones<\/li>\n<li>Finance almost any degree<\/li>\n<\/ul>\n<p style=\"text-align: center;\"><a class=\"btn btn-warning\" href=\"https:\/\/www.credible.com\/student-loans\">See Your Rates<\/a><br \/>\n<small>Checking rates will not affect your credit<\/small><\/p>\n<p><!-- TrustBox widget - Micro Combo --><\/p>\n<div class=\"trustpilot-widget\" data-locale=\"en-US\" data-template-id=\"5419b6ffb0d04a076446a9af\" data-businessunit-id=\"5536ec090000ff00057eebe7\" data-style-height=\"20px\" data-style-width=\"100%\" data-theme=\"light\"><a href=\"https:\/\/www.trustpilot.com\/review\/www.credible.com\" target=\"_blank\" rel=\"noopener noreferrer\">Trustpilot<\/a><\/div>\n<p><!-- End TrustBox widget --><\/p>\n<\/div><\/div>\n<p><b><i>Learn More: <\/i><\/b><a href=\"https:\/\/www.credible.com\/blog\/student-loans\/when-to-apply-for-student-loans\/\"><b><i>When You Should Apply for a Student Loan<\/i><\/b><\/a><\/p>\n<h2>Frequently asked questions<\/h2>\n<p>Here are the answers to a few commonly asked questions about getting student loans:<\/p>\n<h3>How long does it take to get a student loan disbursement?<\/h3>\n<p>This depends on the type of student loan you apply for.<\/p>\n<ul>\n<li><b>Federal student loans<\/b> are typically disbursed at the start of each term. If there are any funds left over after paying for your tuition and fees, they\u2019ll be refunded to you \u2014 usually within a couple of weeks of receiving your loan funds.<\/li>\n<li><b>Private student loans<\/b> are usually disbursed within a few weeks of your application being approved, depending on the lender and your school\u2019s certification process. Like with federal loans, any funds left over after paying for your tuition and fees will be refunded to you.<\/li>\n<\/ul>\n<p><b><i>Check Out: <\/i><\/b><a href=\"https:\/\/www.credible.com\/blog\/student-loans\/student-loan-limits\/\"><b><i>Student Loan Limits: How Much in Student Loans You Can Get<\/i><\/b><\/a><\/p>\n<h3>Is there an age minimum to get a student loan?<\/h3>\n<p>This depends on the type of loan you want to get.<\/p>\n<ul>\n<li><b>Federal student loans: <\/b>There\u2019s no minimum age requirement for federal loans. However, you must have the qualifications needed for your program \u2014 meaning a high school diploma, GED, homeschool program, or equivalent.<\/li>\n<li><b>Private student loans:<\/b> Most private lenders require borrowers to be at least 18 to take out a loan.<\/li>\n<\/ul>\n<p><b><i>Learn More: <\/i><\/b><a href=\"https:\/\/www.credible.com\/blog\/calculators\/student-loan-calculator\/\"><b><i>Student Loan Interest Calculator: Estimate Payments<\/i><\/b><\/a><\/p>\n<h3>What is a student loan cosigner?<\/h3>\n<p>A student loan cosigner can be anyone with good credit \u2014 such as a parent, another relative, or trusted friend \u2014 who is willing to share responsibility for a private student loan with you. Having a creditworthy cosigner could help you get approved for a loan if you have poor or no credit.<\/p>\n<p>Even if you don\u2019t need a cosigner to qualify, having one might get you a lower interest rate than you\u2019d get alone. However, remember that because your cosigner is equally responsible for the loan, they\u2019ll be liable if you don\u2019t make your payments.<\/p>\n<p><b><i>Keep Reading: <\/i><\/b><a href=\"https:\/\/www.credible.com\/blog\/student-loans\/student-loans-without-cosigner\/\"><b><i>Taking Out Student Loans Without a Cosigner<\/i><\/b><\/a><\/p>\n<p><i><a href=\"https:\/\/www.credible.com\/blog\/author\/eric-rosenberg\/\">Eric Rosenberg<\/a> contributed to the reporting of this article.<\/i><\/p>\n","protected":false},"excerpt":{"rendered":"<p>If scholarships and grants don\u2019t fully cover your college costs, student loans could help you take care of your remaining expenses. Many students rely on loans to pay for school \u2014 in fact, as of&hellip; <a class=\"more \" href=\"https:\/\/www.credible.com\/blog\/student-loans\/student-loan-requirements\/\">Continue reading<\/a><\/p>\n","protected":false},"author":90,"featured_media":38950,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"om_disable_all_campaigns":false,"inline_featured_image":false,"footnotes":""},"categories":[2],"tags":[1464],"class_list":["post-38944","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-refinance-student-loans","tag-no-sidebar","student-loan-requirements-how-to-qualify-for-a-student-loan-3","post_tag-no-sidebar"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Student Loan Requirements: How to Qualify for a Student Loan<\/title>\n<meta name=\"description\" content=\"Federal and private student loans both come with their own requirements. 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