{"id":39264,"date":"2020-02-13T11:09:37","date_gmt":"2020-02-13T19:09:37","guid":{"rendered":"https:\/\/www.credible.com\/blog\/?p=39264"},"modified":"2023-10-10T11:55:23","modified_gmt":"2023-10-10T18:55:23","slug":"best-parent-student-loans-private-and-plus-loans","status":"publish","type":"post","link":"https:\/\/www.credible.com\/blog\/student-loans\/best-parent-plus-student-loans\/","title":{"rendered":"Best Parent Student Loans: Choosing Private or PLUS Loans"},"content":{"rendered":"<p>The cost of higher education continues to rise, and many students need help meeting education expenses. Since 1980, the price for tuition, fees, and room and board at four-year colleges has increased by nearly 175%, according to the National Center for Education Statistics. In the 2020-21 school year, students paid an average of $29,033 for their education.<\/p>\n<p>If your child\u2019s scholarship and grants aren\u2019t enough to cover their full college costs, you may consider parent student loans.<\/p>\n<p>Most students turn to federal student loans first, as they offer stable interest rates and unique benefits. But most federal student loans have borrowing limits, and your child may still face a funding shortfall. At that point, you may consider taking out a loan in your own name to help them out.<\/p>\n<p><b>Here\u2019s what you should know about parent student loans:<\/b><\/p>\n<ul>\n<li><a href=\"#parent-student-loans-explained\">What are parent student loans?<\/a><\/li>\n<li><a href=\"#federal-parent-plus-loan-explained\">What is a federal Parent PLUS Loan?<\/a><\/li>\n<li><a href=\"#best-parent-student-loans\">2 of the best parent student loans<\/a><\/li>\n<li><a href=\"#best-parent-cosigner-student-loans\">7 of the best parent cosigner student loans<\/a><\/li>\n<li><a href=\"#other-private-student-loans-to-consider\">Other private student loans for parents to consider<\/a><\/li>\n<li><a href=\"#parent-loans-private-loans-cosigned-loans\">Parent PLUS Loans vs. private parent loans vs. cosigned loans<\/a><\/li>\n<li><a href=\"#parent-or-student-private-student-loan\">Should a parent or a student take out a private student loan?<\/a><\/li>\n<li><a href=\"#qualify-private-loan\">How to qualify for a private student loan<\/a><\/li>\n<li><a href=\"#how-to-apply-student-loan-for-school-and-living-expenses\">How to apply for a private student loan to cover school and living expenses<\/a><\/li>\n<li><a href=\"#get-the-best-parent-student-loan-rate\">How to get the best parent student loan rate<\/a><\/li>\n<li><a href=\"#parent-student-loan-faqs\">Parent student loan FAQs<\/a><\/li>\n<\/ul>\n<p><a name=\"parent-student-loans-explained\"><\/a><\/p>\n<h2>What are parent student loans?<\/h2>\n<p>A parent student loan is a loan for which a parent is the primary borrower, and the borrower uses the funds to help pay for their child\u2019s education. You can choose from two types of parent student loans:<\/p>\n<ul>\n<li>Federal Parent PLUS Loans<\/li>\n<li>Private student loans<\/li>\n<\/ul>\n<p><a href=\"https:\/\/www.credible.com\/blog\/student-loans\/parent-cosigner-student-loans\/\">Cosigning a loan<\/a> for your child may also be an option, especially if you have good credit. With a cosigned loan, your child is the primary borrower. You only become responsible for making payments if your child fails to do so.<\/p>\n<p><a name=\"federal-parent-plus-loan-explained\"><\/a><\/p>\n<h2>What is a federal Parent PLUS Loan?<\/h2>\n<p>A <a href=\"https:\/\/www.credible.com\/blog\/student-loans\/what-are-parent-plus-loans\/\">Parent PLUS Loan<\/a> is a type of federal student loan available to parents who want to help pay for their child\u2019s education expenses. PLUS Loans have higher interest rates in comparison to other federal loans.<\/p>\n<p>Unlike other federal loans that come with lower <a href=\"https:\/\/www.credible.com\/blog\/student-loans\/student-loan-limits\/\">student loan limits<\/a>, you can borrow up to your child\u2019s certified cost of attendance (minus any other financial aid they\u2019ve received) with a PLUS Loan.<\/p>\n<div class=\"basic-box\" style=\"border: 1px solid #E2E4E6;\"><div class=\"basic-box__inside\"><b>Keep in mind:<\/b> PLUS Loans require a credit check. If you have an adverse credit history \u2014 such as a recent credit default or bankruptcy \u2014 you might be denied without an endorser.<\/div><\/div>\n<p>Here are several important points to note if you\u2019re considering a Parent PLUS Loan:<\/p>\n\n<table id=\"tablepress-689\" class=\"tablepress tablepress-id-689 table table-border-top table-striped table-rounded table-no-img-margin\">\n<tbody class=\"row-striping row-hover\">\n<tr class=\"row-1\">\n\t<td class=\"column-1\"><strong>Interest rate<\/strong><\/td><td class=\"column-2\"><span data-sheets-value=\"{&quot;1&quot;:3,&quot;3&quot;:0.0805}\" data-sheets-userformat=\"{&quot;2&quot;:577,&quot;3&quot;:{&quot;1&quot;:3,&quot;2&quot;:&quot;0.00%&quot;,&quot;3&quot;:1},&quot;9&quot;:0,&quot;12&quot;:0}\">8.05%<\/span><\/td>\n<\/tr>\n<tr class=\"row-2\">\n\t<td class=\"column-1\"><strong>Loan amount<\/strong><\/td><td class=\"column-2\">Cost of attendance, minus any other financial aid received<\/td>\n<\/tr>\n<tr class=\"row-3\">\n\t<td class=\"column-1\"><strong>Origination fee<\/strong><\/td><td class=\"column-2\"><span data-sheets-value=\"{&quot;1&quot;:3,&quot;3&quot;:0.04228}\" data-sheets-userformat=\"{&quot;2&quot;:577,&quot;3&quot;:{&quot;1&quot;:3,&quot;2&quot;:&quot;0.000%&quot;,&quot;3&quot;:1},&quot;9&quot;:0,&quot;12&quot;:0}\">4.228%<\/span><\/small><\/td>\n<\/tr>\n<tr class=\"row-4\">\n\t<td class=\"column-1\"><strong>Loan terms<\/strong><\/td><td class=\"column-2\"><div style=\"text-align: left; padding:0px 15px;\"><ul><li>10 years under standard repayment plan<\/li><li>Up to 25 years under other repayment plans <small>(extended, graduated, income-driven)<\/small><\/li><li>Up to 30 years through federal consolidation<\/li><\/ul><\/div><\/td>\n<\/tr>\n<tr class=\"row-5\">\n\t<td class=\"column-1\"><strong>Credit check required?<\/strong><\/td><td class=\"column-2\">Yes<\/td>\n<\/tr>\n<tr class=\"row-6\">\n\t<td class=\"column-1\"><strong>Deferment period<\/strong><\/td><td class=\"column-2\">Until the student is no longer enrolled at least half-time<\/td>\n<\/tr>\n<tr class=\"row-7\">\n\t<td class=\"column-1\"><strong>Grace period<\/strong><\/td><td class=\"column-2\">6 months<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n\n<p><b><i>Also see:<\/i><\/b> <a href=\"https:\/\/www.credible.com\/blog\/student-loans\/denied-parent-plus-loan\/\">What to Do if Your Parent Plus Loan is Denied<\/a><\/p>\n<p><a name=\"best-parent-student-loans\"><\/a><\/p>\n<h2>2 of the best parent student loans<\/h2>\n<p>These two Credible partner lenders offer private student loans for parents:<\/p>\n\n<table id=\"tablepress-1009\" class=\"tablepress tablepress-id-1009 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<td class=\"column-1\"><\/td><th class=\"column-2\"><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 m-a-0\" 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><div class=\"star-rating__container\">\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>        <\/div>\n        <\/th><th class=\"column-3\"><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 m-a-0\" 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><div class=\"star-rating__container\">\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>        <\/div>\n        <\/th>\n<\/tr>\n<\/thead>\n<tbody class=\"row-striping row-hover\">\n<tr class=\"row-2\">\n\t<td class=\"column-1\"><b>Rates from (APR)<\/b><\/td><td class=\"column-2\"><ul><li><b>Fixed:<\/b>   <span>\n    3.24%+<sup>1<\/sup>\n  <\/span>\n<\/li><li><b>Variable:<\/b>   <span>\n    4.99%+<sup><\/sup>\n  <\/span>\n<\/li><\/ul><\/td><td class=\"column-3\"><ul><li><b>Fixed:<\/b>   <span>\n    2.84%+<sup>2,3<\/sup>\n  <\/span>\n<\/li><li><b>Variable:<\/b>   <span>\n    3.89%+<sup>2,3<\/sup>\n  <\/span>\n<\/li><\/ul><\/td>\n<\/tr>\n<tr class=\"row-3\">\n\t<td class=\"column-1\"><b>Eligibility<\/b><\/td><td class=\"column-2\">All states<\/td><td class=\"column-3\">All states<\/td>\n<\/tr>\n<tr class=\"row-4\">\n\t<td class=\"column-1\"><b>Origination fee<\/b><\/td><td class=\"column-2\">None<\/td><td class=\"column-3\">None<\/td>\n<\/tr>\n<tr class=\"row-5\">\n\t<td class=\"column-1\"><b>Loan amounts<\/b><\/td><td class=\"column-2\">$1,000 to $350,000 <small>(depending on degree)<\/small><\/td><td class=\"column-3\">$1,000 up to 100% of the school-certified cost of attendance<\/td>\n<\/tr>\n<tr class=\"row-6\">\n\t<td class=\"column-1\"><b>Loan terms (years)<\/b><\/td><td class=\"column-2\">5, 10, 15<\/td><td class=\"column-3\">5, 8, 10, 15, 20<\/td>\n<\/tr>\n<tr class=\"row-7\">\n\t<td colspan=\"3\" class=\"column-1\"><center><b>Compare private student loan rates without affecting<br> your credit score. 100% free!<\/b><br><br \/>\n<center><a class=\"btn btn-warning\" href=\"https:\/\/www.credible.com\/student-loans\/start\">Compare Private Loans Now<\/a><\/center><br><\/center><br \/>\n<!-- TrustBox widget - Micro Combo --><br \/>\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><br \/>\n<!-- End TrustBox widget --><\/td>\n<\/tr>\n<tr class=\"row-8\">\n\t<td colspan=\"3\" 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=\"best-parent-cosigner-student-loans\"><\/a><\/p>\n<h2>7 of the best parent cosigner student loans<\/h2>\n<p>Parent borrowers have a few options to help pay for their child\u2019s college education, including both federal and private student loans. You might also be able to get a private student loan by cosigning a loan taken out by your child.<\/p>\n<div class=\"basic-box\" style=\"border: 1px solid #E2E4E6;\"><div class=\"basic-box__inside\"><b>Tip:<\/b> It\u2019s usually a good idea to take out federal student loans before private student loans. This is mainly because federal loans offer federal protections, including access to income-driven repayment plans and student loan forgiveness programs.<\/div><\/div>\n<p>However, depending on your credit, you might get a lower interest rate on a private student loan compared to a federal Parent PLUS Loan. Just keep in mind that a private loan won\u2019t offer the same benefits of a PLUS Loan.<\/p>\n<p>If you decide to take out a private student loan, it\u2019s important to consider as many lenders as you can to find a loan that suits the needs of both you and your child. Here are Credible\u2019s partner lenders that offer private student loans to parents \u2014 either directly or through cosigning:<\/p>\n\n<table id=\"tablepress-686\" class=\"tablepress tablepress-id-686 table table-border-top table-rounded table-no-img-margin table-capitalized-column-titles table-align-center tbody-has-connected-cells\">\n<thead>\n<tr class=\"row-1\">\n\t<th class=\"column-1\">Lender<\/th><th class=\"column-2\">Fixed APRs From<\/th><th class=\"column-3\">Variable APR From<\/th><th class=\"column-4\">Loan terms (years)<\/th><th class=\"column-5\">Cosigner release?<\/th><th class=\"column-6\">Offers parent student loans?<\/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\">5, 7, 10, 12, 15, 20 <\/td><td class=\"column-5\">After 12 months<\/td><td class=\"column-6\">No, but parents can cosign<\/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\">5, 10, 15<\/td><td class=\"column-5\">After 36 months<\/td><td class=\"column-6\">Yes (or parents can cosign)<\/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\">5, 8, 10, 15<\/td><td class=\"column-5\">After half your repayment term has passed<\/td><td class=\"column-6\">Yes (or parents can cosign)<\/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\/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\">5, 10, 15<\/td><td class=\"column-5\">After 48 months<\/td><td class=\"column-6\">Yes (or parents can cosign)<\/td>\n<\/tr>\n<tr class=\"row-9\">\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-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\/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\">10, 15<\/td><td class=\"column-5\">After 48 months<\/td><td class=\"column-6\">No, but parents can cosign<\/td>\n<\/tr>\n<tr class=\"row-11\">\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-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\/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\">10 to 20<sup>9<\/sup><\/td><td class=\"column-5\">Borrowers can apply after graduation, 12 payments, and meeting certain credit requirements<\/td><td class=\"column-6\">No, but parents can cosign<\/td>\n<\/tr>\n<tr class=\"row-13\">\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-14\">\n\t<td colspan=\"6\" class=\"column-1\"><center><b>Compare private student loan rates without affecting<br> your credit score. 100% free!<\/b><br><br \/>\n<center><a class=\"btn btn-warning\" href=\"https:\/\/www.credible.com\/student-loans\/start\">Compare Private Loans Now<\/a><\/center><br><\/center><br \/>\n<!-- TrustBox widget - Micro Combo --><br \/>\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><br \/>\n<!-- End TrustBox widget --><\/td>\n<\/tr>\n<tr class=\"row-15\">\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<h3>Ascent<\/h3>\n<p>While parents can\u2019t borrow directly through <a href=\"https:\/\/www.credible.com\/lenders\/ascent\/\">Ascent<\/a>, they can cosign a loan taken out by an undergraduate student. Ascent cosigned loans are available from $2,001* to $400,000 (aggregate limit).<\/p>\n<p>Potential discounts include a 0.25% autopay discount and a 1% cashback graduation reward.<\/p>\n<div class=\"lender-rating__container-width\">\n    <div class=\"lender-rating__divider\"><\/div>\n    <div class=\"lender-rating__container\">\n        <div class=\"left-rating-col__wrap\">\n            <div class=\"lender-rating__ratings\">\n    <div class=\"logo__container\">\n                    <div class=\"logo__heading\">\n                <span>Ascent &#8211; PSL<\/span>\n            <\/div>\n            <\/div>\n    <div class=\"editorial__container\">\n        <div class=\"number-rating__container\">\n            <span class=\"feat-branch\"><\/span>\n            <span class=\"feat-number\">4.9<\/span>\n            <span class=\"feat-branch right\"><\/span>\n        <\/div>\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 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\">\n            <div class=\"star-rating__background\">\n                <div class=\"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>\n        <\/div>\n    <\/div>\n    <div class=\"star-rating-list__container\">\n        <div class=\"star-rating-group\">\n            <div class=\"star-rating-row\">\n                <span class=\"heading\">Rates and terms<\/span>\n                <div>\n                                <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                    <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                    <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                    <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                            <img decoding=\"async\" class=\"dark-star\" alt=\"A half star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-half.svg\">\n                        <\/div>\n            <\/div>\n        <\/div>\n        <div class=\"star-rating-group\">\n            <div class=\"star-rating-row\">\n                <span class=\"heading\">Fees and Discounts<\/span>\n                <div>\n                                <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                    <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                    <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                    <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                    <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                                <\/div>\n            <\/div>\n        <\/div>\n        <div class=\"star-rating-group\">\n            <div class=\"star-rating-row\">\n                <span class=\"heading\">Customer Experience<\/span>\n                <div>\n                                <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                    <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                    <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                    <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                    <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                                <\/div>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/div>        <\/div>\n        <div class=\"right-rating-col__wrap\">\n                <div class=\"at-glance__container\">\n        <div class=\"heading\">\n            <span>Ascent Private Student Loans<\/span>\n        <\/div>\n        <div class=\"categories__container\">\n                                <div class=\"col-md-6 col-xs-6 item__container p-x-0\">\n                        <img decoding=\"async\" class=\"glance-icon\" role=\"presentation\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2017\/11\/fixed-rates-icon.svg\">\n                        <div class=\"item__details\">\n                            <span class=\"item-label--bold icon\">\n                                Fixed APR                                                                    <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.svg\">\n                                        <span class=\"tip\">\n                                            <span class=\"tip-content\">Lowest fixed rate available from this lender <\/span>\n                                            <span class=\"tip-arrow\"><\/span>\n                                        <\/span>\n                                    <\/div>\n                                                            <\/span>\n                            <div class=\"item-label\">  <span>\n    2.69%+<sup>10<\/sup>\n  <\/span>\n<\/div>\n                        <\/div>\n                    <\/div>\n                                <div class=\"col-md-6 col-xs-6 item__container p-x-0\">\n                        <img decoding=\"async\" class=\"glance-icon\" role=\"presentation\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2017\/11\/variable-rates-icon.svg\">\n                        <div class=\"item__details\">\n                            <span class=\"item-label--bold icon\">\n                                Variable APR                                                                    <div class=\"odd\" 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.svg\">\n                                        <span class=\"tip\">\n                                            <span class=\"tip-content\">Lowest variable rate available from this lender<\/span>\n                                            <span class=\"tip-arrow\"><\/span>\n                                        <\/span>\n                                    <\/div>\n                                                            <\/span>\n                            <div class=\"item-label\">  <span>\n    3.68%+<sup>10<\/sup>\n  <\/span>\n<\/div>\n                        <\/div>\n                    <\/div>\n                                <div class=\"col-md-6 col-xs-6 item__container p-x-0\">\n                        <img decoding=\"async\" class=\"glance-icon\" role=\"presentation\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2017\/11\/loan-amount-icon.svg\">\n                        <div class=\"item__details\">\n                            <span class=\"item-label--bold icon\">\n                                Loan amount                                                                    <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.svg\">\n                                        <span class=\"tip\">\n                                            <span class=\"tip-content\">Total amount you can borrow from this lender<\/span>\n                                            <span class=\"tip-arrow\"><\/span>\n                                        <\/span>\n                                    <\/div>\n                                                            <\/span>\n                            <div class=\"item-label\">$2,001* to $400,000 <\/div>\n                        <\/div>\n                    <\/div>\n                                <div class=\"col-md-6 col-xs-6 item__container p-x-0\">\n                        <img decoding=\"async\" class=\"glance-icon\" role=\"presentation\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2017\/11\/term-length-icon.svg\">\n                        <div class=\"item__details\">\n                            <span class=\"item-label--bold icon\">\n                                Loan terms (years)                                                                    <div class=\"odd\" 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.svg\">\n                                        <span class=\"tip\">\n                                            <span class=\"tip-content\">How many years you have to repay the loan<\/span>\n                                            <span class=\"tip-arrow\"><\/span>\n                                        <\/span>\n                                    <\/div>\n                                                            <\/span>\n                            <div class=\"item-label\">5, 7, 10, 12, 15, 20<\/div>\n                        <\/div>\n                    <\/div>\n                    <\/div>\n    <\/div>\n            <div class=\"cta__container\">\n    <div class=\"cta__text\">\n        <p><b data-stringify-type=\"bold\">Ready to find a student loan?<\/b><br \/>\nCompare rates from top private lenders to find the right student loan for you.<\/p>\n    <\/div>\n    <a href=\"https:\/\/www.credible.com\/private-student-loans\/get-started\" class=\"cta_btn\">Check Personalized Rates<\/a>\n    <div class=\"disclaimer-text\">\n        <span>Checking rates won't affect your credit score<\/span>\n    <\/div>\n<\/div>        <\/div>\n    <\/div>\n            <div class=\"lender-rating-details__container\">\n    <div class=\"details-heading\">\n        <a role=\"button\" class=\"details-toggle collapsed\" data-toggle=\"collapse\" data-target=\"#lender_details_46554\" aria-expanded=\"false\" aria-controls=\"collapseExample\">\n            <span>View Details<\/span>\n        <\/a>\n    <\/div>\n    <div class=\"collapse collapse__section\" id=\"lender_details_46554\">\n        <div class=\"intro-paragraph\">\n            <span><\/span>\n        <\/div>\n        <div class=\"details__list row\">\n            <div class=\"col-md-6 p-a-0\">\n                <ul>\n                                            <li><span class=\"font-weight-bold\">Fixed APR:<\/span>   <span>\n    2.69%+<sup>10<\/sup>\n  <\/span>\n<\/li>\n                                            <li><span class=\"font-weight-bold\">Variable APR:<\/span>   <span>\n    3.68%+<sup>10<\/sup>\n  <\/span>\n<\/li>\n                                            <li><span class=\"font-weight-bold\">Min. credit score:<\/span> Does not disclose<\/li>\n                                            <li><span class=\"font-weight-bold\">Loan amount:<\/span> $2,001* to $400,000 <\/li>\n                                            <li><span class=\"font-weight-bold\">Loan terms (years):<\/span> 5, 7, 10, 12, 15, 20<\/li>\n                                            <li><span class=\"font-weight-bold\">Repayment options:<\/span> Full deferral, fixed\/flat repayment, interest only, academic deferment, military deferment, forbearance, loans discharged upon death or disability<\/li>\n                                    <\/ul>\n            <\/div>\n            <div class=\"col-md-6 p-a-0\">\n                <ul>\n                                            <li><span class=\"font-weight-bold\">Fees:<\/span> None<\/li>\n                                            <li><span class=\"font-weight-bold\">Discounts:<\/span> 0.25% to 1.00% automatic payment discount, 1% cash back graduation reward<\/li>\n                                            <li><span class=\"font-weight-bold\">Eligibility:<\/span> 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> Email, phone<\/li>\n                                            <li><span class=\"font-weight-bold\">Prequalified rates with a soft credit check:<\/span> Yes<\/li>\n                                            <li><span class=\"font-weight-bold\">Cosigner release:<\/span> After 12 on-time principal and interest payments<\/li>\n                                            <li><span class=\"font-weight-bold\">Loan servicer:<\/span> Launch Servicing, LLC<\/li>\n                                    <\/ul>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/div>    <\/div>\n<h4>Pros<\/h4>\n<ul>\n<li>1% cashback graduation reward<\/li>\n<li>0.25% autopay discount<\/li>\n<li>Cosigner release offered after 12 months of on-time consecutive payments<\/li>\n<\/ul>\n<h4>Cons<\/h4>\n<ul>\n<li>Doesn\u2019t offer student loans directly to parents (only cosigned loans)<\/li>\n<li>Lower autopay discount compared to non-cosigned loans<\/li>\n<li>15-year term not available for fixed-rate loans<\/li>\n<\/ul>\n<h3>Citizens<\/h3>\n<p><a href=\"https:\/\/www.credible.com\/lenders\/citizens-bank\/#citizens-private-student-loans\">Citizens<\/a> offers parent student loans from $1,000 to $350,000 with five- or 10-year terms. You also have the option to cosign a student loan for your child.<\/p>\n<p>If you already have an account with Citizens, you might qualify for a 0.25% loyalty discount \u2014 and you could get another 0.25% off your rate by signing up for automatic payments.<\/p>\n<div class=\"lender-rating__container-width\">\n    <div class=\"lender-rating__divider\"><\/div>\n    <div class=\"lender-rating__container\">\n        <div class=\"left-rating-col__wrap\">\n            <div class=\"lender-rating__ratings\">\n    <div class=\"logo__container\">\n                    <div class=\"logo__heading\">\n                <span>Citizens &#8211; PSL<\/span>\n            <\/div>\n            <\/div>\n    <div class=\"editorial__container\">\n        <div class=\"number-rating__container\">\n            <span class=\"feat-branch\"><\/span>\n            <span class=\"feat-number\">4.8<\/span>\n            <span class=\"feat-branch right\"><\/span>\n        <\/div>\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 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\">\n            <div class=\"star-rating__background\">\n                <div class=\"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>\n        <\/div>\n    <\/div>\n    <div class=\"star-rating-list__container\">\n        <div class=\"star-rating-group\">\n            <div class=\"star-rating-row\">\n                <span class=\"heading\">Rates and terms<\/span>\n                <div>\n                                <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                    <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                    <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                    <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                            <img decoding=\"async\" class=\"dark-star\" alt=\"A three-quarter star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-three-quarter.svg\">\n                        <\/div>\n            <\/div>\n        <\/div>\n        <div class=\"star-rating-group\">\n            <div class=\"star-rating-row\">\n                <span class=\"heading\">Fees and Discounts<\/span>\n                <div>\n                                <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                    <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                    <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                    <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                            <img decoding=\"async\" class=\"dark-star\" alt=\"A half star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-half.svg\">\n                        <\/div>\n            <\/div>\n        <\/div>\n        <div class=\"star-rating-group\">\n            <div class=\"star-rating-row\">\n                <span class=\"heading\">Customer Experience<\/span>\n                <div>\n                                <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                    <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                    <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                    <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                    <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                                <\/div>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/div>        <\/div>\n        <div class=\"right-rating-col__wrap\">\n                <div class=\"at-glance__container\">\n        <div class=\"heading\">\n            <span>Citizens Private Student Loans<\/span>\n        <\/div>\n        <div class=\"categories__container\">\n                                <div class=\"col-md-6 col-xs-6 item__container p-x-0\">\n                        <img decoding=\"async\" class=\"glance-icon\" role=\"presentation\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2017\/11\/fixed-rates-icon.svg\">\n                        <div class=\"item__details\">\n                            <span class=\"item-label--bold icon\">\n                                Fixed APR                                                                    <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.svg\">\n                                        <span class=\"tip\">\n                                            <span class=\"tip-content\">Lowest fixed rate available from this lender<\/span>\n                                            <span class=\"tip-arrow\"><\/span>\n                                        <\/span>\n                                    <\/div>\n                                                            <\/span>\n                            <div class=\"item-label\">  <span>\n    3.24%+<sup>1<\/sup>\n  <\/span>\n<\/div>\n                        <\/div>\n                    <\/div>\n                                <div class=\"col-md-6 col-xs-6 item__container p-x-0\">\n                        <img decoding=\"async\" class=\"glance-icon\" role=\"presentation\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2017\/11\/variable-rates-icon.svg\">\n                        <div class=\"item__details\">\n                            <span class=\"item-label--bold icon\">\n                                Variable APR                                                                    <div class=\"odd\" 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.svg\">\n                                        <span class=\"tip\">\n                                            <span class=\"tip-content\">Lowest variable rate available from this lender<\/span>\n                                            <span class=\"tip-arrow\"><\/span>\n                                        <\/span>\n                                    <\/div>\n                                                            <\/span>\n                            <div class=\"item-label\">  <span>\n    4.99%+<sup><\/sup>\n  <\/span>\n<\/div>\n                        <\/div>\n                    <\/div>\n                                <div class=\"col-md-6 col-xs-6 item__container p-x-0\">\n                        <img decoding=\"async\" class=\"glance-icon\" role=\"presentation\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2017\/11\/loan-amount-icon.svg\">\n                        <div class=\"item__details\">\n                            <span class=\"item-label--bold icon\">\n                                Loan amount                                                                    <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.svg\">\n                                        <span class=\"tip\">\n                                            <span class=\"tip-content\">Total amount you can borrow from this lender<\/span>\n                                            <span class=\"tip-arrow\"><\/span>\n                                        <\/span>\n                                    <\/div>\n                                                            <\/span>\n                            <div class=\"item-label\">$1,000 to $350,000<\/div>\n                        <\/div>\n                    <\/div>\n                                <div class=\"col-md-6 col-xs-6 item__container p-x-0\">\n                        <img decoding=\"async\" class=\"glance-icon\" role=\"presentation\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2017\/11\/loan-terms-icon.svg\">\n                        <div class=\"item__details\">\n                            <span class=\"item-label--bold icon\">\n                                Loan terms (years)                                                                    <div class=\"odd\" 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.svg\">\n                                        <span class=\"tip\">\n                                            <span class=\"tip-content\">How many years you have to repay the loan<\/span>\n                                            <span class=\"tip-arrow\"><\/span>\n                                        <\/span>\n                                    <\/div>\n                                                            <\/span>\n                            <div class=\"item-label\">5, 10, 15<\/div>\n                        <\/div>\n                    <\/div>\n                    <\/div>\n    <\/div>\n            <div class=\"cta__container\">\n    <div class=\"cta__text\">\n        <p><b data-stringify-type=\"bold\">Ready to find a student loan?<\/b><br \/>\nCompare rates from top private lenders to find the right student loan for you.<\/p>\n    <\/div>\n    <a href=\"https:\/\/www.credible.com\/private-student-loans\/get-started\" class=\"cta_btn\">Check Personalized Rates<\/a>\n    <div class=\"disclaimer-text\">\n        <span>Checking rates won't affect your credit score<\/span>\n    <\/div>\n<\/div>        <\/div>\n    <\/div>\n            <div class=\"lender-rating-details__container\">\n    <div class=\"details-heading\">\n        <a role=\"button\" class=\"details-toggle collapsed\" data-toggle=\"collapse\" data-target=\"#lender_details_46540\" aria-expanded=\"false\" aria-controls=\"collapseExample\">\n            <span>View Details<\/span>\n        <\/a>\n    <\/div>\n    <div class=\"collapse collapse__section\" id=\"lender_details_46540\">\n        <div class=\"intro-paragraph\">\n            <span><\/span>\n        <\/div>\n        <div class=\"details__list row\">\n            <div class=\"col-md-6 p-a-0\">\n                <ul>\n                                            <li><span class=\"font-weight-bold\">Fixed APR:<\/span>   <span>\n    3.24%+<sup>1<\/sup>\n  <\/span>\n<\/li>\n                                            <li><span class=\"font-weight-bold\">Variable APR:<\/span>   <span>\n    4.99%+<sup><\/sup>\n  <\/span>\n<\/li>\n                                            <li><span class=\"font-weight-bold\">Min. credit score:<\/span> 720<\/li>\n                                            <li><span class=\"font-weight-bold\">Loan amount:<\/span> $1,000 to $350,000<\/li>\n                                            <li><span class=\"font-weight-bold\">Loan terms (years):<\/span> 5, 10, 15<\/li>\n                                            <li><span class=\"font-weight-bold\">Loan types:<\/span> Any private or federal student loan<\/li>\n                                            <li><span class=\"font-weight-bold\">Repayment options:<\/span> Full deferral, full monthly payment, interest only, immediate repayment, academic deferment, military deferment, forbearance, loans discharged upon death or disability<\/li>\n                                    <\/ul>\n            <\/div>\n            <div class=\"col-md-6 p-a-0\">\n                <ul>\n                                            <li><span class=\"font-weight-bold\">Fees:<\/span> Late fee<\/li>\n                                            <li><span class=\"font-weight-bold\">Discounts:<\/span> Autopay, loyalty<\/li>\n                                            <li><span class=\"font-weight-bold\">Eligibility:<\/span> 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> Email, phone, chat<\/li>\n                                            <li><span class=\"font-weight-bold\">Soft credit check:<\/span> Yes<\/li>\n                                            <li><span class=\"font-weight-bold\">Cosigner release:<\/span> After 36 months<\/li>\n                                            <li><span class=\"font-weight-bold\">Loan servicer:<\/span> Firstmark Services<\/li>\n                                    <\/ul>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/div>    <\/div>\n<h4>Pros<\/h4>\n<ul>\n<li>0.25% autopay discount<\/li>\n<li>0.25% loyalty discount<\/li>\n<li>No application, origination, or disbursement fees<\/li>\n<\/ul>\n<h4>Cons<\/h4>\n<ul>\n<li>15-year term not available for parent loans<\/li>\n<li>Might be hard to qualify if you don\u2019t have good credit<\/li>\n<li>Doesn\u2019t disclose minimum income requirements<\/li>\n<\/ul>\n<h3>College Ave<\/h3>\n<p><a href=\"https:\/\/www.credible.com\/lenders\/college-ave\/#college-ave-private-student-loans\">College Ave<\/a> offers student loans from $1,000 up to your child\u2019s school-certified cost of attendance (minus other financial aid your child has received). Parents can also choose to have $2,500 of the loan sent to them so they can control spending for additional expenses like textbooks or electronics.<\/p>\n<div class=\"lender-rating__container-width\">\n    <div class=\"lender-rating__divider\"><\/div>\n    <div class=\"lender-rating__container\">\n        <div class=\"left-rating-col__wrap\">\n            <div class=\"lender-rating__ratings\">\n    <div class=\"logo__container\">\n                    <div class=\"logo__heading\">\n                <span>College Ave &#8211; PSL<\/span>\n            <\/div>\n            <\/div>\n    <div class=\"editorial__container\">\n        <div class=\"number-rating__container\">\n            <span class=\"feat-branch\"><\/span>\n            <span class=\"feat-number\">4.9<\/span>\n            <span class=\"feat-branch right\"><\/span>\n        <\/div>\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 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\">\n            <div class=\"star-rating__background\">\n                <div class=\"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>\n        <\/div>\n    <\/div>\n    <div class=\"star-rating-list__container\">\n        <div class=\"star-rating-group\">\n            <div class=\"star-rating-row\">\n                <span class=\"heading\">Rates and terms<\/span>\n                <div>\n                                <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                    <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                    <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                    <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                    <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                                <\/div>\n            <\/div>\n        <\/div>\n        <div class=\"star-rating-group\">\n            <div class=\"star-rating-row\">\n                <span class=\"heading\">Fees and Discounts<\/span>\n                <div>\n                                <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                    <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                    <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                    <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                            <img decoding=\"async\" class=\"dark-star\" alt=\"A half star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-half.svg\">\n                        <\/div>\n            <\/div>\n        <\/div>\n        <div class=\"star-rating-group\">\n            <div class=\"star-rating-row\">\n                <span class=\"heading\">Customer Experience<\/span>\n                <div>\n                                <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                    <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                    <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                    <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                    <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                                <\/div>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/div>        <\/div>\n        <div class=\"right-rating-col__wrap\">\n                <div class=\"at-glance__container\">\n        <div class=\"heading\">\n            <span>College Ave Private Student Loans<\/span>\n        <\/div>\n        <div class=\"categories__container\">\n                                <div class=\"col-md-6 col-xs-6 item__container p-x-0\">\n                        <img decoding=\"async\" class=\"glance-icon\" role=\"presentation\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2017\/11\/fixed-rates-icon.svg\">\n                        <div class=\"item__details\">\n                            <span class=\"item-label--bold icon\">\n                                Fixed APR                                                                    <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.svg\">\n                                        <span class=\"tip\">\n                                            <span class=\"tip-content\">Lowest fixed rate available from this lender<\/span>\n                                            <span class=\"tip-arrow\"><\/span>\n                                        <\/span>\n                                    <\/div>\n                                                            <\/span>\n                            <div class=\"item-label\">  <span>\n    2.84%+<sup>2,3<\/sup>\n  <\/span>\n<\/div>\n                        <\/div>\n                    <\/div>\n                                <div class=\"col-md-6 col-xs-6 item__container p-x-0\">\n                        <img decoding=\"async\" class=\"glance-icon\" role=\"presentation\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2017\/11\/variable-rates-icon.svg\">\n                        <div class=\"item__details\">\n                            <span class=\"item-label--bold icon\">\n                                Variable APR                                                                    <div class=\"odd\" 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.svg\">\n                                        <span class=\"tip\">\n                                            <span class=\"tip-content\">Lowest variable rate available from this lender<\/span>\n                                            <span class=\"tip-arrow\"><\/span>\n                                        <\/span>\n                                    <\/div>\n                                                            <\/span>\n                            <div class=\"item-label\">  <span>\n    3.89%+<sup>2,3<\/sup>\n  <\/span>\n<\/div>\n                        <\/div>\n                    <\/div>\n                                <div class=\"col-md-6 col-xs-6 item__container p-x-0\">\n                        <img decoding=\"async\" class=\"glance-icon\" role=\"presentation\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2017\/11\/loan-amount-icon.svg\">\n                        <div class=\"item__details\">\n                            <span class=\"item-label--bold icon\">\n                                Loan amount                                                                    <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.svg\">\n                                        <span class=\"tip\">\n                                            <span class=\"tip-content\">Total amount you can borrow from this lender<\/span>\n                                            <span class=\"tip-arrow\"><\/span>\n                                        <\/span>\n                                    <\/div>\n                                                            <\/span>\n                            <div class=\"item-label\">$1,000 up to cost of attendance<\/div>\n                        <\/div>\n                    <\/div>\n                                <div class=\"col-md-6 col-xs-6 item__container p-x-0\">\n                        <img decoding=\"async\" class=\"glance-icon\" role=\"presentation\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2017\/11\/term-length-icon.svg\">\n                        <div class=\"item__details\">\n                            <span class=\"item-label--bold icon\">\n                                Loan terms (years)                                                                    <div class=\"odd\" 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.svg\">\n                                        <span class=\"tip\">\n                                            <span class=\"tip-content\">How many years you have to repay the loan<\/span>\n                                            <span class=\"tip-arrow\"><\/span>\n                                        <\/span>\n                                    <\/div>\n                                                            <\/span>\n                            <div class=\"item-label\">5, 8, 10, 15, 20<\/div>\n                        <\/div>\n                    <\/div>\n                    <\/div>\n    <\/div>\n            <div class=\"cta__container\">\n    <div class=\"cta__text\">\n        <p><b data-stringify-type=\"bold\">Ready to find a student loan?<\/b><br \/>\nCompare rates from top private lenders to find the right student loan for you.<\/p>\n    <\/div>\n    <a href=\"https:\/\/www.credible.com\/private-student-loans\/get-started\" class=\"cta_btn\">Check Personalized Rates<\/a>\n    <div class=\"disclaimer-text\">\n        <span>Checking rates won't affect your credit score<\/span>\n    <\/div>\n<\/div>        <\/div>\n    <\/div>\n            <div class=\"lender-rating-details__container\">\n    <div class=\"details-heading\">\n        <a role=\"button\" class=\"details-toggle collapsed\" data-toggle=\"collapse\" data-target=\"#lender_details_46542\" aria-expanded=\"false\" aria-controls=\"collapseExample\">\n            <span>View Details<\/span>\n        <\/a>\n    <\/div>\n    <div class=\"collapse collapse__section\" id=\"lender_details_46542\">\n        <div class=\"intro-paragraph\">\n            <span><\/span>\n        <\/div>\n        <div class=\"details__list row\">\n            <div class=\"col-md-6 p-a-0\">\n                <ul>\n                                            <li><span class=\"font-weight-bold\">Fixed APR:<\/span>   <span>\n    2.84%+<sup>2,3<\/sup>\n  <\/span>\n<\/li>\n                                            <li><span class=\"font-weight-bold\">Variable APR:<\/span>   <span>\n    3.89%+<sup>2,3<\/sup>\n  <\/span>\n<\/li>\n                                            <li><span class=\"font-weight-bold\">Min. credit score:<\/span> Does not disclose<\/li>\n                                            <li><span class=\"font-weight-bold\">Loan amount:<\/span> $1,000 up to cost of attendance<\/li>\n                                            <li><span class=\"font-weight-bold\">Loan terms (years):<\/span> 5, 8, 10, 15, 20<\/li>\n                                            <li><span class=\"font-weight-bold\">Repayment options:<\/span> Full deferral, full monthly payment, fixed\/flat repayment, interest only, immediate repayment, academic deferment, forbearance, loans discharged upon death or disability<\/li>\n                                    <\/ul>\n            <\/div>\n            <div class=\"col-md-6 p-a-0\">\n                <ul>\n                                            <li><span class=\"font-weight-bold\">Fees:<\/span> Late fee<\/li>\n                                            <li><span class=\"font-weight-bold\">Discounts:<\/span> Autopay<\/li>\n                                            <li><span class=\"font-weight-bold\">Eligibility:<\/span> 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> Email, phone<\/li>\n                                            <li><span class=\"font-weight-bold\">Prequalified rates with a soft credit check:<\/span> Yes<\/li>\n                                            <li><span class=\"font-weight-bold\">Cosigner release:<\/span> After half of the scheduled repayment term has been completed<\/li>\n                                            <li><span class=\"font-weight-bold\">Loan servicer:<\/span> 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        <\/div>\n    <\/div>\n<\/div>    <\/div>\n<h4>Pros<\/h4>\n<ul>\n<li>Can borrow up to 100% of your child\u2019s school-certified cost of attendance<\/li>\n<li>Can have up to $2,500 of parent loan sent directly to you<\/li>\n<li>0.25% autopay discount<\/li>\n<\/ul>\n<h4>Cons<\/h4>\n<ul>\n<li>Doesn\u2019t disclose minimum income or credit requirements<\/li>\n<li>If you cosign your child\u2019s loan, you can\u2019t apply for cosigner release until more than half of the repayment period has elapsed<\/li>\n<li>Might not qualify if you\u2019ve previously filed for bankruptcy<\/li>\n<\/ul>\n<h3>EdvestinU<\/h3>\n<p>While <a href=\"https:\/\/www.credible.com\/lenders\/edvestinu\/#edvestinu-student-loans\">EdvestinU<\/a> doesn\u2019t offer parent loans, it does allow parents to cosign. EdvestinU loans are available starting at $1,000 up to 100% of your child\u2019s cost of attendance ($200,000 aggregate limit).<\/p>\n<div class=\"lender-rating__container-width\">\n    <div class=\"lender-rating__divider\"><\/div>\n    <div class=\"lender-rating__container\">\n        <div class=\"left-rating-col__wrap\">\n            <div class=\"lender-rating__ratings\">\n    <div class=\"logo__container\">\n                    <div class=\"logo__heading\">\n                <span>EDvestinU &#8211; PSL<\/span>\n            <\/div>\n            <\/div>\n    <div class=\"editorial__container\">\n        <div class=\"number-rating__container\">\n            <span class=\"feat-branch\"><\/span>\n            <span class=\"feat-number\">4.8<\/span>\n            <span class=\"feat-branch right\"><\/span>\n        <\/div>\n        <div class=\"heading__container\">\n            <span class=\"heading\">\n                                    <a href=\"https:\/\/www.credible.com\/lenders\/edvestinu\/#edvestinu-student-loans\">Credible rating<\/a>\n                            <\/span>\n                            <div 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\">\n            <div class=\"star-rating__background\">\n                <div class=\"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>\n        <\/div>\n    <\/div>\n    <div class=\"star-rating-list__container\">\n        <div class=\"star-rating-group\">\n            <div class=\"star-rating-row\">\n                <span class=\"heading\">Rates and terms<\/span>\n                <div>\n                                <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                    <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                    <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                    <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                            <img decoding=\"async\" class=\"dark-star\" alt=\"A three-quarter star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-three-quarter.svg\">\n                        <\/div>\n            <\/div>\n        <\/div>\n        <div class=\"star-rating-group\">\n            <div class=\"star-rating-row\">\n                <span class=\"heading\">Fees and Discounts<\/span>\n                <div>\n                                <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                    <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                    <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                    <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                            <img decoding=\"async\" class=\"dark-star\" alt=\"A half star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-half.svg\">\n                        <\/div>\n            <\/div>\n        <\/div>\n        <div class=\"star-rating-group\">\n            <div class=\"star-rating-row\">\n                <span class=\"heading\">Customer Experience<\/span>\n                <div>\n                                <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                    <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                    <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                    <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                    <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                                <\/div>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/div>        <\/div>\n        <div class=\"right-rating-col__wrap\">\n                <div class=\"at-glance__container\">\n        <div class=\"heading\">\n            <span>EdvestinU Private Student Loans<\/span>\n        <\/div>\n        <div class=\"categories__container\">\n                                <div class=\"col-md-6 col-xs-6 item__container p-x-0\">\n                        <img decoding=\"async\" class=\"glance-icon\" role=\"presentation\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2017\/11\/fixed-rates-icon.svg\">\n                        <div class=\"item__details\">\n                            <span class=\"item-label--bold icon\">\n                                Fixed APR                                                                    <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.svg\">\n                                        <span class=\"tip\">\n                                            <span class=\"tip-content\">Lowest fixed rate available from this lender<\/span>\n                                            <span class=\"tip-arrow\"><\/span>\n                                        <\/span>\n                                    <\/div>\n                                                            <\/span>\n                            <div class=\"item-label\">  <span>\n    6.0%+<sup>7<\/sup>\n  <\/span>\n<\/div>\n                        <\/div>\n                    <\/div>\n                                <div class=\"col-md-6 col-xs-6 item__container p-x-0\">\n                        <img decoding=\"async\" class=\"glance-icon\" role=\"presentation\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2017\/11\/variable-rates-icon.svg\">\n                        <div class=\"item__details\">\n                            <span class=\"item-label--bold icon\">\n                                Variable APR                                                                    <div class=\"odd\" 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.svg\">\n                                        <span class=\"tip\">\n                                            <span class=\"tip-content\">Lowest variable rate available from this lender<\/span>\n                                            <span class=\"tip-arrow\"><\/span>\n                                        <\/span>\n                                    <\/div>\n                                                            <\/span>\n                            <div class=\"item-label\">  <span>\n    7.34%+<sup>7<\/sup>\n  <\/span>\n<\/div>\n                        <\/div>\n                    <\/div>\n                                <div class=\"col-md-6 col-xs-6 item__container p-x-0\">\n                        <img decoding=\"async\" class=\"glance-icon\" role=\"presentation\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2017\/11\/loan-amount-icon.svg\">\n                        <div class=\"item__details\">\n                            <span class=\"item-label--bold icon\">\n                                Loan amount                                                                    <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.svg\">\n                                        <span class=\"tip\">\n                                            <span class=\"tip-content\">Total amount you can borrow from this lender<\/span>\n                                            <span class=\"tip-arrow\"><\/span>\n                                        <\/span>\n                                    <\/div>\n                                                            <\/span>\n                            <div class=\"item-label\">$1,000 to $200,000<\/div>\n                        <\/div>\n                    <\/div>\n                                <div class=\"col-md-6 col-xs-6 item__container p-x-0\">\n                        <img decoding=\"async\" class=\"glance-icon\" role=\"presentation\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2017\/11\/term-length-icon.svg\">\n                        <div class=\"item__details\">\n                            <span class=\"item-label--bold icon\">\n                                Loan terms (years)                                                                    <div class=\"odd\" 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.svg\">\n                                        <span class=\"tip\">\n                                            <span class=\"tip-content\">How many years you have to repay the loan<\/span>\n                                            <span class=\"tip-arrow\"><\/span>\n                                        <\/span>\n                                    <\/div>\n                                                            <\/span>\n                            <div class=\"item-label\">7, 10, 15<\/div>\n                        <\/div>\n                    <\/div>\n                    <\/div>\n    <\/div>\n            <div class=\"cta__container\">\n    <div class=\"cta__text\">\n        <p><b data-stringify-type=\"bold\">Ready to find a student loan?<\/b><br \/>\nCompare rates from top private lenders to find the right student loan for you.<\/p>\n    <\/div>\n    <a href=\"https:\/\/www.credible.com\/private-student-loans\/get-started\" class=\"cta_btn\">Check Personalized Rates<\/a>\n    <div class=\"disclaimer-text\">\n        <span>Checking rates won't affect your credit score<\/span>\n    <\/div>\n<\/div>        <\/div>\n    <\/div>\n            <div class=\"lender-rating-details__container\">\n    <div class=\"details-heading\">\n        <a role=\"button\" class=\"details-toggle collapsed\" data-toggle=\"collapse\" data-target=\"#lender_details_46556\" aria-expanded=\"false\" aria-controls=\"collapseExample\">\n            <span>View Details<\/span>\n        <\/a>\n    <\/div>\n    <div class=\"collapse collapse__section\" id=\"lender_details_46556\">\n        <div class=\"intro-paragraph\">\n            <span><\/span>\n        <\/div>\n        <div class=\"details__list row\">\n            <div class=\"col-md-6 p-a-0\">\n                <ul>\n                                            <li><span class=\"font-weight-bold\">Fixed APR:<\/span>   <span>\n    6.0%+<sup>7<\/sup>\n  <\/span>\n<\/li>\n                                            <li><span class=\"font-weight-bold\">Variable APR:<\/span>   <span>\n    7.34%+<sup>7<\/sup>\n  <\/span>\n<\/li>\n                                            <li><span class=\"font-weight-bold\">Min. credit score:<\/span> 750<\/li>\n                                            <li><span class=\"font-weight-bold\">Loan amount:<\/span> $1,000 to $200,000<\/li>\n                                            <li><span class=\"font-weight-bold\">Loan terms (years):<\/span> 7, 10, 15<\/li>\n                                            <li><span class=\"font-weight-bold\">Repayment options:<\/span> Full deferral, full monthly payment, interest only, immediate repayment, academic deferment, loans discharged upon death or disability<\/li>\n                                    <\/ul>\n            <\/div>\n            <div class=\"col-md-6 p-a-0\">\n                <ul>\n                                            <li><span class=\"font-weight-bold\">Fees:<\/span> Late fee<\/li>\n                                            <li><span class=\"font-weight-bold\">Discounts:<\/span> Autopay<\/li>\n                                            <li><span class=\"font-weight-bold\">Eligibility:<\/span> Must be a U.S. citizen or permanent resident and have a minimum income of $30,000.<\/li>\n                                            <li><span class=\"font-weight-bold\">Customer service:<\/span> Email, phone<\/li>\n                                            <li><span class=\"font-weight-bold\">Soft credit check:<\/span> Yes<\/li>\n                                            <li><span class=\"font-weight-bold\">Cosigner release:<\/span> After 24 months<\/li>\n                                            <li><span class=\"font-weight-bold\">Loan servicer:<\/span> Firstmark Services<\/li>\n                                    <\/ul>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/div>    <\/div>\n<h4>Pros<\/h4>\n<ul>\n<li>Can borrow up to school\u2019s cost of attendance<\/li>\n<li>0.25% autopay discount<\/li>\n<li>Up to a 1.5% interest rate reduction for New Hampshire students<\/li>\n<\/ul>\n<h4>Cons<\/h4>\n<ul>\n<li>Doesn\u2019t offer student loans directly to parents (only cosigned loans)<\/li>\n<li>Long cosigner release period (36 months)<\/li>\n<li>Might be hard to qualify if you don\u2019t have very good credit<\/li>\n<\/ul>\n<h3>INvestEd<\/h3>\n<p>If you live in Indiana, then you might qualify for a parent student loan from <a href=\"https:\/\/www.credible.com\/lenders\/invested\/#invested-private-student-loans\">INvestEd<\/a>. You also have the option to cosign on a student loan from INvestEd if your child lives or attends school in Indiana.<\/p>\n<p>INvestEd loans range from $1,001 up to 100% of your child\u2019s cost of attendance (minus any other aid they\u2019ve received).<\/p>\n<div class=\"lender-rating__container-width\">\n    <div class=\"lender-rating__divider\"><\/div>\n    <div class=\"lender-rating__container\">\n        <div class=\"left-rating-col__wrap\">\n            <div class=\"lender-rating__ratings\">\n    <div class=\"logo__container\">\n                    <div class=\"logo__heading\">\n                <span>InvestED &#8211; PSL<\/span>\n            <\/div>\n            <\/div>\n    <div class=\"editorial__container\">\n        <div class=\"number-rating__container\">\n            <span class=\"feat-branch\"><\/span>\n            <span class=\"feat-number\">4.6<\/span>\n            <span class=\"feat-branch right\"><\/span>\n        <\/div>\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 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\">\n            <div class=\"star-rating__background\">\n                <div class=\"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>\n        <\/div>\n    <\/div>\n    <div class=\"star-rating-list__container\">\n        <div class=\"star-rating-group\">\n            <div class=\"star-rating-row\">\n                <span class=\"heading\">Rates and terms<\/span>\n                <div>\n                                <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                    <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                    <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                    <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                            <img decoding=\"async\" class=\"dark-star\" alt=\"A half star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-half.svg\">\n                        <\/div>\n            <\/div>\n        <\/div>\n        <div class=\"star-rating-group\">\n            <div class=\"star-rating-row\">\n                <span class=\"heading\">Fees and Discounts<\/span>\n                <div>\n                                <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                    <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                    <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                    <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                            <img decoding=\"async\" class=\"dark-star\" alt=\"A three-quarter star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-three-quarter.svg\">\n                        <\/div>\n            <\/div>\n        <\/div>\n        <div class=\"star-rating-group\">\n            <div class=\"star-rating-row\">\n                <span class=\"heading\">Customer Experience<\/span>\n                <div>\n                                <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                    <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                    <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                    <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                    <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                                <\/div>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/div>        <\/div>\n        <div class=\"right-rating-col__wrap\">\n                <div class=\"at-glance__container\">\n        <div class=\"heading\">\n            <span>INvestEd Private Student Loans<\/span>\n        <\/div>\n        <div class=\"categories__container\">\n                                <div class=\"col-md-6 col-xs-6 item__container p-x-0\">\n                        <img decoding=\"async\" class=\"glance-icon\" role=\"presentation\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2017\/11\/fixed-rates-icon.svg\">\n                        <div class=\"item__details\">\n                            <span class=\"item-label--bold icon\">\n                                Fixed APR                                                                    <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.svg\">\n                                        <span class=\"tip\">\n                                            <span class=\"tip-content\">Lowest fixed rate available from this lender<\/span>\n                                            <span class=\"tip-arrow\"><\/span>\n                                        <\/span>\n                                    <\/div>\n                                                            <\/span>\n                            <div class=\"item-label\">  <span>\n    4.5%+<sup>8<\/sup>\n  <\/span>\n<\/div>\n                        <\/div>\n                    <\/div>\n                                <div class=\"col-md-6 col-xs-6 item__container p-x-0\">\n                        <img decoding=\"async\" class=\"glance-icon\" role=\"presentation\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2017\/11\/variable-rates-icon.svg\">\n                        <div class=\"item__details\">\n                            <span class=\"item-label--bold icon\">\n                                Variable APR                                                                    <div class=\"odd\" 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.svg\">\n                                        <span class=\"tip\">\n                                            <span class=\"tip-content\">Lowest variable rate available from this lender<\/span>\n                                            <span class=\"tip-arrow\"><\/span>\n                                        <\/span>\n                                    <\/div>\n                                                            <\/span>\n                            <div class=\"item-label\">  <span>\n    6.47%+<sup>8<\/sup>\n  <\/span>\n<\/div>\n                        <\/div>\n                    <\/div>\n                                <div class=\"col-md-6 col-xs-6 item__container p-x-0\">\n                        <img decoding=\"async\" class=\"glance-icon\" role=\"presentation\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2017\/11\/loan-amount-icon.svg\">\n                        <div class=\"item__details\">\n                            <span class=\"item-label--bold icon\">\n                                Loan amount                                                                    <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.svg\">\n                                        <span class=\"tip\">\n                                            <span class=\"tip-content\">Total amount you can borrow from this lender<\/span>\n                                            <span class=\"tip-arrow\"><\/span>\n                                        <\/span>\n                                    <\/div>\n                                                            <\/span>\n                            <div class=\"item-label\">$1,001 up to cost of attendance<\/div>\n                        <\/div>\n                    <\/div>\n                                <div class=\"col-md-6 col-xs-6 item__container p-x-0\">\n                        <img decoding=\"async\" class=\"glance-icon\" role=\"presentation\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2017\/11\/term-length-icon.svg\">\n                        <div class=\"item__details\">\n                            <span class=\"item-label--bold icon\">\n                                Loan terms (years)                                                                    <div class=\"odd\" 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.svg\">\n                                        <span class=\"tip\">\n                                            <span class=\"tip-content\">How many years you have to repay the loan<\/span>\n                                            <span class=\"tip-arrow\"><\/span>\n                                        <\/span>\n                                    <\/div>\n                                                            <\/span>\n                            <div class=\"item-label\">5, 10, 15<\/div>\n                        <\/div>\n                    <\/div>\n                    <\/div>\n    <\/div>\n            <div class=\"cta__container\">\n    <div class=\"cta__text\">\n        <p><b data-stringify-type=\"bold\">Ready to find a student loan?<\/b><br \/>\nCompare rates from top private lenders to find the right student loan for you.<\/p>\n    <\/div>\n    <a href=\"https:\/\/www.credible.com\/private-student-loans\/get-started\" class=\"cta_btn\">Check Personalized Rates<\/a>\n    <div class=\"disclaimer-text\">\n        <span>Checking rates won't affect your credit score<\/span>\n    <\/div>\n<\/div>        <\/div>\n    <\/div>\n            <div class=\"lender-rating-details__container\">\n    <div class=\"details-heading\">\n        <a role=\"button\" class=\"details-toggle collapsed\" data-toggle=\"collapse\" data-target=\"#lender_details_46558\" aria-expanded=\"false\" aria-controls=\"collapseExample\">\n            <span>View Details<\/span>\n        <\/a>\n    <\/div>\n    <div class=\"collapse collapse__section\" id=\"lender_details_46558\">\n        <div class=\"intro-paragraph\">\n            <span><\/span>\n        <\/div>\n        <div class=\"details__list row\">\n            <div class=\"col-md-6 p-a-0\">\n                <ul>\n                                            <li><span class=\"font-weight-bold\">Fixed APR:<\/span>   <span>\n    4.5%+<sup>8<\/sup>\n  <\/span>\n<\/li>\n                                            <li><span class=\"font-weight-bold\">Variable APR:<\/span>   <span>\n    6.47%+<sup>8<\/sup>\n  <\/span>\n<\/li>\n                                            <li><span class=\"font-weight-bold\">Min. credit score:<\/span> 670<\/li>\n                                            <li><span class=\"font-weight-bold\">Loan amount:<\/span> $1,001 up to cost of attendance<\/li>\n                                            <li><span class=\"font-weight-bold\">Loan terms (years):<\/span> 5, 10, 15<\/li>\n                                            <li><span class=\"font-weight-bold\">Repayment options:<\/span> Full deferral, full monthly payment, interest only, immediate repayment, academic deferment, forbearance<\/li>\n                                    <\/ul>\n            <\/div>\n            <div class=\"col-md-6 p-a-0\">\n                <ul>\n                                            <li><span class=\"font-weight-bold\">Fees:<\/span> Late fee<\/li>\n                                            <li><span class=\"font-weight-bold\">Discounts:<\/span> Autopay, reward for on-time graduation<\/li>\n                                            <li><span class=\"font-weight-bold\">Eligibility:<\/span> 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> Email, phone, chat<\/li>\n                                            <li><span class=\"font-weight-bold\">Prequalified rates with a soft credit check:<\/span> Yes<\/li>\n                                            <li><span class=\"font-weight-bold\">Cosigner release:<\/span> After 12 months<\/li>\n                                            <li><span class=\"font-weight-bold\">Loan servicer:<\/span> American Education Services<\/li>\n                                    <\/ul>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/div>    <\/div>\n<h4>Pros<\/h4>\n<ul>\n<li>0.25% autopay discount<\/li>\n<li>Can get a 2% principal discount if child graduates within six years (not available on parent loans)<\/li>\n<li>Up to 24 months of forbearance during the life of the loan (one to three months duration per forbearance)<\/li>\n<\/ul>\n<h4><b>Cons<\/b><\/h4>\n<ul>\n<li>Must be an Indiana resident (or have a child attending school in Indiana)<\/li>\n<li>Can\u2019t have debt-to-income ratio higher than 30%<\/li>\n<li>Long cosigner release period (48 months)<\/li>\n<\/ul>\n<h3>MEFA<\/h3>\n<p>With <a href=\"https:\/\/www.credible.com\/lenders\/mefa\/#mefa-private-student-loans\">MEFA<\/a>, parents can cosign on student loans. MEFA loans range from $1,500 for public schools or $2,000 for private schools up to 100% of your child\u2019s cost of attendance (minus any other financial aid they\u2019ve received).<\/p>\n<div class=\"lender-rating__container-width\">\n    <div class=\"lender-rating__divider\"><\/div>\n    <div class=\"lender-rating__container\">\n        <div class=\"left-rating-col__wrap\">\n            <div class=\"lender-rating__ratings\">\n    <div class=\"logo__container\">\n                    <div class=\"logo__heading\">\n                <span>MEFA &#8211; PSL<\/span>\n            <\/div>\n            <\/div>\n    <div class=\"editorial__container\">\n        <div class=\"number-rating__container\">\n            <span class=\"feat-branch\"><\/span>\n            <span class=\"feat-number\">4.4<\/span>\n            <span class=\"feat-branch right\"><\/span>\n        <\/div>\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 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\">\n            <div class=\"star-rating__background\">\n                <div class=\"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>\n        <\/div>\n    <\/div>\n    <div class=\"star-rating-list__container\">\n        <div class=\"star-rating-group\">\n            <div class=\"star-rating-row\">\n                <span class=\"heading\">Rates and terms<\/span>\n                <div>\n                                <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                    <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                    <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                    <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                            <img decoding=\"async\" class=\"dark-star\" alt=\"A one-quarter star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-quarter.svg\">\n                            <\/div>\n            <\/div>\n        <\/div>\n        <div class=\"star-rating-group\">\n            <div class=\"star-rating-row\">\n                <span class=\"heading\">Fees and Discounts<\/span>\n                <div>\n                                <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                    <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                    <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                    <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                            <img decoding=\"async\" class=\"dark-star\" alt=\"A one-quarter star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-quarter.svg\">\n                            <\/div>\n            <\/div>\n        <\/div>\n        <div class=\"star-rating-group\">\n            <div class=\"star-rating-row\">\n                <span class=\"heading\">Customer Experience<\/span>\n                <div>\n                                <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                    <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                    <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                    <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                    <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                                <\/div>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/div>        <\/div>\n        <div class=\"right-rating-col__wrap\">\n                <div class=\"at-glance__container\">\n        <div class=\"heading\">\n            <span>MEFA Private Student Loans<\/span>\n        <\/div>\n        <div class=\"categories__container\">\n                                <div class=\"col-md-6 col-xs-6 item__container p-x-0\">\n                        <img decoding=\"async\" class=\"glance-icon\" role=\"presentation\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2017\/11\/fixed-rates-icon.svg\">\n                        <div class=\"item__details\">\n                            <span class=\"item-label--bold icon\">\n                                Fixed APR                                                                    <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.svg\">\n                                        <span class=\"tip\">\n                                            <span class=\"tip-content\">Lowest fixed rate available from this lender <\/span>\n                                            <span class=\"tip-arrow\"><\/span>\n                                        <\/span>\n                                    <\/div>\n                                                            <\/span>\n                            <div class=\"item-label\">  <span>\n    3.29%+<sup><\/sup>\n  <\/span>\n<\/div>\n                        <\/div>\n                    <\/div>\n                                <div class=\"col-md-6 col-xs-6 item__container p-x-0\">\n                        <img decoding=\"async\" class=\"glance-icon\" role=\"presentation\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2017\/11\/variable-rates-icon.svg\">\n                        <div class=\"item__details\">\n                            <span class=\"item-label--bold icon\">\n                                Variable APR                                                                    <div class=\"odd\" 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.svg\">\n                                        <span class=\"tip\">\n                                            <span class=\"tip-content\">Lowest variable rate available from this lender<\/span>\n                                            <span class=\"tip-arrow\"><\/span>\n                                        <\/span>\n                                    <\/div>\n                                                            <\/span>\n                            <div class=\"item-label\">N\/A<\/div>\n                        <\/div>\n                    <\/div>\n                                <div class=\"col-md-6 col-xs-6 item__container p-x-0\">\n                        <img decoding=\"async\" class=\"glance-icon\" role=\"presentation\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2017\/11\/loan-amount-icon.svg\">\n                        <div class=\"item__details\">\n                            <span class=\"item-label--bold icon\">\n                                Loan amount                                                                    <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.svg\">\n                                        <span class=\"tip\">\n                                            <span class=\"tip-content\">Total amount you can borrow from this lender<\/span>\n                                            <span class=\"tip-arrow\"><\/span>\n                                        <\/span>\n                                    <\/div>\n                                                            <\/span>\n                            <div class=\"item-label\">$1,500 up to cost of attendance less aid<\/div>\n                        <\/div>\n                    <\/div>\n                                <div class=\"col-md-6 col-xs-6 item__container p-x-0\">\n                        <img decoding=\"async\" class=\"glance-icon\" role=\"presentation\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2017\/11\/term-length-icon.svg\">\n                        <div class=\"item__details\">\n                            <span class=\"item-label--bold icon\">\n                                Loan terms (years)                                                                    <div class=\"odd\" 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.svg\">\n                                        <span class=\"tip\">\n                                            <span class=\"tip-content\">How many years you have to repay the loan<\/span>\n                                            <span class=\"tip-arrow\"><\/span>\n                                        <\/span>\n                                    <\/div>\n                                                            <\/span>\n                            <div class=\"item-label\">10, 15<\/div>\n                        <\/div>\n                    <\/div>\n                    <\/div>\n    <\/div>\n            <div class=\"cta__container\">\n    <div class=\"cta__text\">\n        <p><b data-stringify-type=\"bold\">Ready to find a student loan?<\/b><br \/>\nCompare rates from top private lenders to find the right student loan for you.<\/p>\n    <\/div>\n    <a href=\"https:\/\/www.credible.com\/private-student-loans\/get-started\" class=\"cta_btn\">Check Personalized Rates<\/a>\n    <div class=\"disclaimer-text\">\n        <span>Checking rates won't affect your credit score<\/span>\n    <\/div>\n<\/div>        <\/div>\n    <\/div>\n            <div class=\"lender-rating-details__container\">\n    <div class=\"details-heading\">\n        <a role=\"button\" class=\"details-toggle collapsed\" data-toggle=\"collapse\" data-target=\"#lender_details_46560\" aria-expanded=\"false\" aria-controls=\"collapseExample\">\n            <span>View Details<\/span>\n        <\/a>\n    <\/div>\n    <div class=\"collapse collapse__section\" id=\"lender_details_46560\">\n        <div class=\"intro-paragraph\">\n            <span><\/span>\n        <\/div>\n        <div class=\"details__list row\">\n            <div class=\"col-md-6 p-a-0\">\n                <ul>\n                                            <li><span class=\"font-weight-bold\">Fixed APR:<\/span>   <span>\n    3.29%+<sup><\/sup>\n  <\/span>\n<\/li>\n                                            <li><span class=\"font-weight-bold\">Variable APR:<\/span> N\/A<\/li>\n                                            <li><span class=\"font-weight-bold\">Min. credit score:<\/span> 670<\/li>\n                                            <li><span class=\"font-weight-bold\">Loan amount:<\/span> $1,500 up to cost of attendance less aid<\/li>\n                                            <li><span class=\"font-weight-bold\">Loan terms (years):<\/span> 10, 15<\/li>\n                                            <li><span class=\"font-weight-bold\">Repayment options:<\/span> Full deferral, interest only, immediate repayment, academic deferral, forbearance<\/li>\n                                    <\/ul>\n            <\/div>\n            <div class=\"col-md-6 p-a-0\">\n                <ul>\n                                            <li><span class=\"font-weight-bold\">Fees:<\/span> None<\/li>\n                                            <li><span class=\"font-weight-bold\">Discounts:<\/span> None<\/li>\n                                            <li><span class=\"font-weight-bold\">Eligibility:<\/span> 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> Email, phone<\/li>\n                                            <li><span class=\"font-weight-bold\">Prequalified rates with a soft credit check:<\/span> Yes<\/li>\n                                            <li><span class=\"font-weight-bold\">Cosigner release:<\/span> After 48 months<\/li>\n                                            <li><span class=\"font-weight-bold\">Loan servicer:<\/span> American Education Services (AES)<\/li>\n                                    <\/ul>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/div>    <\/div>\n<h4><b>Pros<\/b><\/h4>\n<ul>\n<li>Can borrow up to 100% of school\u2019s cost of attendance (minus any other financial aid your child has received)<\/li>\n<li>Can defer payments for up to five years<\/li>\n<li>No application, origination, or disbursement fees<\/li>\n<\/ul>\n<h4><b>Cons<\/b><\/h4>\n<ul>\n<li>Doesn\u2019t offer student loans directly to parents (only cosigned loans)<\/li>\n<li>No discounts offered<\/li>\n<li>Long cosigner release period (48 months)<\/li>\n<\/ul>\n<h3>Sallie Mae<\/h3>\n<p><a href=\"https:\/\/www.credible.com\/lenders\/sallie-mae\/\">Sallie Mae<\/a> parent student loans range from $1,000 up to 100% of school-certified cost of attendance. If you\u2019d rather cosign a Sallie Mae loan for your child, cosigner release is offered after just 12 months of consecutive on-time payments.<\/p>\n<div class=\"lender-rating__container-width\">\n    <div class=\"lender-rating__divider\"><\/div>\n    <div class=\"lender-rating__container\">\n        <div class=\"left-rating-col__wrap\">\n            <div class=\"lender-rating__ratings\">\n    <div class=\"logo__container\">\n                    <div class=\"logo__heading\">\n                <span>Sallie Mae &#8211; PSL<\/span>\n            <\/div>\n            <\/div>\n    <div class=\"editorial__container\">\n        <div class=\"number-rating__container\">\n            <span class=\"feat-branch\"><\/span>\n            <span class=\"feat-number\">4.3<\/span>\n            <span class=\"feat-branch right\"><\/span>\n        <\/div>\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 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\">\n            <div class=\"star-rating__background\">\n                <div class=\"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>\n        <\/div>\n    <\/div>\n    <div class=\"star-rating-list__container\">\n        <div class=\"star-rating-group\">\n            <div class=\"star-rating-row\">\n                <span class=\"heading\">Rates and terms<\/span>\n                <div>\n                                <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                    <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                    <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                    <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                            <img decoding=\"async\" class=\"dark-star\" alt=\"A one-quarter star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-quarter.svg\">\n                            <\/div>\n            <\/div>\n        <\/div>\n        <div class=\"star-rating-group\">\n            <div class=\"star-rating-row\">\n                <span class=\"heading\">Fees and Discounts<\/span>\n                <div>\n                                <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                    <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                    <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                    <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                            <img decoding=\"async\" class=\"dark-star\" alt=\"A half star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-half.svg\">\n                        <\/div>\n            <\/div>\n        <\/div>\n        <div class=\"star-rating-group\">\n            <div class=\"star-rating-row\">\n                <span class=\"heading\">Customer Experience<\/span>\n                <div>\n                                <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                    <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                    <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                    <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                    <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                                <\/div>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/div>        <\/div>\n        <div class=\"right-rating-col__wrap\">\n                <div class=\"at-glance__container\">\n        <div class=\"heading\">\n            <span>Sallie Mae Private Student Loans<\/span>\n        <\/div>\n        <div class=\"categories__container\">\n                                <div class=\"col-md-6 col-xs-6 item__container p-x-0\">\n                        <img decoding=\"async\" class=\"glance-icon\" role=\"presentation\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2017\/11\/fixed-rates-icon.svg\">\n                        <div class=\"item__details\">\n                            <span class=\"item-label--bold icon\">\n                                Fixed APR                                                                    <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.svg\">\n                                        <span class=\"tip\">\n                                            <span class=\"tip-content\">Lowest fixed rate available from this lender <\/span>\n                                            <span class=\"tip-arrow\"><\/span>\n                                        <\/span>\n                                    <\/div>\n                                                            <\/span>\n                            <div class=\"item-label\"><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><\/div>\n                        <\/div>\n                    <\/div>\n                                <div class=\"col-md-6 col-xs-6 item__container p-x-0\">\n                        <img decoding=\"async\" class=\"glance-icon\" role=\"presentation\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2017\/11\/variable-rates-icon.svg\">\n                        <div class=\"item__details\">\n                            <span class=\"item-label--bold icon\">\n                                Variable APR                                                                    <div class=\"odd\" 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.svg\">\n                                        <span class=\"tip\">\n                                            <span class=\"tip-content\">Lowest variable rate available from this lender<\/span>\n                                            <span class=\"tip-arrow\"><\/span>\n                                        <\/span>\n                                    <\/div>\n                                                            <\/span>\n                            <div class=\"item-label\"><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><\/div>\n                        <\/div>\n                    <\/div>\n                                <div class=\"col-md-6 col-xs-6 item__container p-x-0\">\n                        <img decoding=\"async\" class=\"glance-icon\" role=\"presentation\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2017\/11\/loan-amount-icon.svg\">\n                        <div class=\"item__details\">\n                            <span class=\"item-label--bold icon\">\n                                Loan amount                                                                    <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.svg\">\n                                        <span class=\"tip\">\n                                            <span class=\"tip-content\">Total amount you can borrow from this lender<\/span>\n                                            <span class=\"tip-arrow\"><\/span>\n                                        <\/span>\n                                    <\/div>\n                                                            <\/span>\n                            <div class=\"item-label\">$1,000 up to 100% of school-certified cost of attendance<\/div>\n                        <\/div>\n                    <\/div>\n                                <div class=\"col-md-6 col-xs-6 item__container p-x-0\">\n                        <img decoding=\"async\" class=\"glance-icon\" role=\"presentation\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2017\/11\/term-length-icon.svg\">\n                        <div class=\"item__details\">\n                            <span class=\"item-label--bold icon\">\n                                Loan terms (years)                                                                    <div class=\"odd\" 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.svg\">\n                                        <span class=\"tip\">\n                                            <span class=\"tip-content\">How many years you have to repay the loan<\/span>\n                                            <span class=\"tip-arrow\"><\/span>\n                                        <\/span>\n                                    <\/div>\n                                                            <\/span>\n                            <div class=\"item-label\">10 to 20<sup>9<\/sup><\/div>\n                        <\/div>\n                    <\/div>\n                    <\/div>\n    <\/div>\n            <div class=\"cta__container\">\n    <div class=\"cta__text\">\n        <p><b data-stringify-type=\"bold\">Ready to find a student loan?<\/b><br \/>\nCompare rates from top private lenders to find the right student loan for you.<\/p>\n    <\/div>\n    <a href=\"https:\/\/www.credible.com\/private-student-loans\/get-started\" class=\"cta_btn\">Check Personalized Rates<\/a>\n    <div class=\"disclaimer-text\">\n        <span>Checking rates won't affect your credit score<\/span>\n    <\/div>\n<\/div>        <\/div>\n    <\/div>\n            <div class=\"lender-rating-details__container\">\n    <div class=\"details-heading\">\n        <a role=\"button\" class=\"details-toggle collapsed\" data-toggle=\"collapse\" data-target=\"#lender_details_46562\" aria-expanded=\"false\" aria-controls=\"collapseExample\">\n            <span>View Details<\/span>\n        <\/a>\n    <\/div>\n    <div class=\"collapse collapse__section\" id=\"lender_details_46562\">\n        <div class=\"intro-paragraph\">\n            <span><\/span>\n        <\/div>\n        <div class=\"details__list row\">\n            <div class=\"col-md-6 p-a-0\">\n                <ul>\n                                            <li><span class=\"font-weight-bold\">Fixed APR:<\/span> <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> <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> Does not disclose<\/li>\n                                            <li><span class=\"font-weight-bold\">Loan amount:<\/span> $1,000 up to 100% of school-certified cost of attendance<\/li>\n                                            <li><span class=\"font-weight-bold\">Loan terms (years):<\/span> 10 to 20<sup>9<\/sup><\/li>\n                                            <li><span class=\"font-weight-bold\">Repayment options:<\/span> Full deferral, fixed\/flat repayment, interest only, academic deferment, forbearance, loans discharged upon death or disability<\/li>\n                                    <\/ul>\n            <\/div>\n            <div class=\"col-md-6 p-a-0\">\n                <ul>\n                                            <li><span class=\"font-weight-bold\">Fees:<\/span> Late fee, non-sufficient funds (NSF) fee<\/li>\n                                            <li><span class=\"font-weight-bold\">Discounts:<\/span> Autopay<\/li>\n                                            <li><span class=\"font-weight-bold\">Eligibility:<\/span> 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> Phone, chat<\/li>\n                                            <li><span class=\"font-weight-bold\">Prequalified rates with a soft credit check:<\/span> Yes<\/li>\n                                            <li><span class=\"font-weight-bold\">Cosigner release:<\/span> 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> Sallie Mae<\/li>\n                                    <\/ul>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/div>    <\/div>\n<h4><b>Pros<\/b><\/h4>\n<ul>\n<li>Cosigner release offered after just 12 months<\/li>\n<li>0.25% autopay discount<\/li>\n<\/ul>\n<h4><b>Cons<\/b><\/h4>\n<ul>\n<li>Doesn\u2019t disclose minimum income or credit requirements<\/li>\n<li>Doesn\u2019t provide personalized rates without a hard credit check<\/li>\n<\/ul>\n<p><b><i>Learn More: <\/i><\/b><a href=\"https:\/\/www.credible.com\/blog\/student-loans\/best-private-student-loans\/\"><i>Best Private Student Loans<\/i><\/a><\/p>\n<p><a name=\"other-private-student-loans-to-consider\"><\/a><\/p>\n<h2>Other private student loans for parents to consider<\/h2>\n<p>Other private lenders also offer parent student loans or allow parents to cosign on student loans.<\/p>\n<div class=\"basic-box\" style=\"border: 1px solid #E2E4E6;\"><div class=\"basic-box__inside\"><b>Keep in mind: <\/b>Since many students don\u2019t yet have the credit or income to qualify for private student loans, most private loans are cosigned.<\/div><\/div>\n<p>Here are more private student loan companies that offer parent student loans.<\/p>\n\n<table id=\"tablepress-687\" class=\"tablepress tablepress-id-687 table table-border-top table-rounded table-no-img-margin table-capitalized-column-titles table-align-center\">\n<thead>\n<tr class=\"row-1\">\n\t<th class=\"column-1\">Lender<\/th><th class=\"column-2\">Loan terms (years)<\/th><th class=\"column-3\">Loan Amounts<\/th><th class=\"column-4\">Cosigner?<\/th><th class=\"column-5\">Offers parent student loans?<\/th>\n<\/tr>\n<\/thead>\n<tbody class=\"row-hover\">\n<tr class=\"row-2\">\n\t<td class=\"column-1\"><img decoding=\"async\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2018\/10\/elfi-logo.png\" alt=\"elfi\" width=\"100\" class=\"alignnone size-full wp-image-2614\" \/><\/td><td class=\"column-2\">5, 7, 10, 15<br \/>\n<small>(15-year term not offered for parent loans)<\/small><\/td><td class=\"column-3\">$10,000 to $250,000<\/td><td class=\"column-4\">No<\/td><td class=\"column-5\">Yes (parents can also cosign)<\/td>\n<\/tr>\n<tr class=\"row-3\">\n\t<td class=\"column-1\"><img decoding=\"async\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2017\/01\/risla.png\" alt=\"risla\" width=\"100\" class=\"alignnone size-full wp-image-2614\" \/><\/td><td class=\"column-2\">10, 15<\/td><td class=\"column-3\">$1,500 to $45,000<\/td><td class=\"column-4\">Yes, after 24 months<\/td><td class=\"column-5\">Yes (parents can also cosign)<\/td>\n<\/tr>\n<tr class=\"row-4\">\n\t<td class=\"column-1\"><img decoding=\"async\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2020\/05\/SoFi_horz_RGB_Turquoise_CircleR_Upwardcropped.png\" alt=\"sofi\" width=\"100\" class=\"alignnone size-full wp-image-2614\" \/><\/td><td class=\"column-2\">5, 10, 15<\/td><td class=\"column-3\">$5,000 to 100% of school-certified costs<\/td><td class=\"column-4\">Yes, after 24 months<\/td><td class=\"column-5\">Yes (parents can also cosign)<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n\n<div class=\"basic-box\" style=\"border: 1px solid #E2E4E6;background: #F7F9F9;\"><div class=\"basic-box__inside\">\n<h2>Methodology<\/h2>\n<p>To find the \u201cbest companies,\u201d Credible looked at loan and lender data points from 10 categories to give you a well-rounded perspective on each of our partner lenders. Here\u2019s what we considered:<\/p>\n<ul>\n<li>Interest rates<\/li>\n<li>Repayment terms<\/li>\n<li>Repayment options<\/li>\n<li>Fees<\/li>\n<li>Discounts<\/li>\n<li>Customer service availability<\/li>\n<li>Eligibility criteria<\/li>\n<li>Cosigner release options<\/li>\n<li>Whether the minimum credit score is available publicly<\/li>\n<li>Whether consumers could request rates with a soft credit check<\/li>\n<\/ul>\n<p>Our hope is that this will be a win-win situation for you and us \u2014 we only want to get paid if you find a loan that works for you, not by selling your data. This means Credible will only get paid by the lender if you finish the loan process and a loan is disbursed. Additionally, Credible charges you no fees of any kind to compare your loan options.<\/div><\/div>\n<p><em><strong>Also see:<\/strong> <a href=\"https:\/\/www.credible.com\/blog\/student-loans\/cosigner-release-student-loans\/\">7 Student Loans with Cosigner Release<\/a><\/em><\/p>\n<p><a name=\"parent-loans-private-loans-cosigned-loans\"><\/a><\/p>\n<h2>Parent PLUS Loans vs. private parent loans vs. cosigned loans<\/h2>\n<p>Here are a few factors to keep in mind while comparing Parent PLUS Loans, private parent loans, and cosigned loans.<\/p>\n\n<table id=\"tablepress-688\" class=\"tablepress tablepress-id-688 table table-border-top table-rounded table-no-img-margin table-capitalized-column-titles\">\n<thead>\n<tr class=\"row-1\">\n\t<td class=\"column-1\"><\/td><th class=\"column-2\"><strong>Parent PLUS Loans<\/strong><\/th><th class=\"column-3\"><strong>Private student loans<\/strong><\/th><th class=\"column-4\"><strong>Cosigned 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>Fees<\/strong><\/td><td class=\"column-2\"><span data-sheets-value=\"{&quot;1&quot;:3,&quot;3&quot;:0.04228}\" data-sheets-userformat=\"{&quot;2&quot;:577,&quot;3&quot;:{&quot;1&quot;:3,&quot;2&quot;:&quot;0.000%&quot;,&quot;3&quot;:1},&quot;9&quot;:0,&quot;12&quot;:0}\">4.228%<\/span><\/td><td class=\"column-3\">Varies by lender<\/td><td class=\"column-4\">Varies by lender<\/td>\n<\/tr>\n<tr class=\"row-3\">\n\t<td class=\"column-1\"><strong>Terms<\/strong><\/td><td class=\"column-2\">10 years<br \/>\n<small>(up to 25 or 30 years with other repayment plans or through consolidation)<\/small><\/td><td class=\"column-3\">5 to 15 years<br \/>\n<small>(with Credible partner lenders)<\/small><\/td><td class=\"column-4\">5 to 20 years<br \/>\n<small>(with Credible partner lenders)<\/small><\/td>\n<\/tr>\n<tr class=\"row-4\">\n\t<td class=\"column-1\"><strong>Who's responsible for payment?<\/strong><\/td><td class=\"column-2\">Parent<\/td><td class=\"column-3\">Parent<\/td><td class=\"column-4\">Student<br \/>\n<small>(if student can\u2019t make payments, cosigner is responsible)<\/small><\/td>\n<\/tr>\n<tr class=\"row-5\">\n\t<td class=\"column-1\"><strong>Cosigner release offered?<\/strong><\/td><td class=\"column-2\">No<\/td><td class=\"column-3\">Depends on the lender<\/td><td class=\"column-4\">Depends on the lender<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n\n<p>You can apply for a Parent PLUS Loan on the <a href=\"https:\/\/studentaid.gov\/plus-app\/parent\/landing\">StudentAid.gov website<\/a>. Before you apply, make sure your child has already completed the Free Application for Federal Student Aid (FAFSA). For private parent loans, you can apply online with the lender you choose.<\/p>\n<div class=\"basic-box\" style=\"border: 1px solid #E2E4E6;\"><div class=\"basic-box__inside\"><b>Tip: <\/b>No matter which type of student loan you choose, it\u2019s important to consider how much that loan will cost you in the future. This way, you can prepare for any added expenses. You can find out how much you\u2019ll owe over the life of your federal or private student loans using our <a href=\"https:\/\/www.credible.com\/blog\/calculators\/student-loan-calculator\/\">student loan calculator<\/a>.<\/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\/\"><i>When You Should Apply for a Student Loan<\/i><\/a><\/p>\n<p><a name=\"parent-or-student-private-student-loan\"><\/a><\/p>\n<h2>Should a parent or a student take out a private student loan?<\/h2>\n<p>This depends on your individual circumstances. In some cases, it could be a good idea for the student to apply for a loan with you as a <a href=\"https:\/\/www.credible.com\/blog\/student-loans\/cosigner-explained\/\">cosigner<\/a> \u2014 though keep in mind that you\u2019re equally responsible for the loan if they can\u2019t make payments.<\/p>\n<p>In other situations, taking out a parent loan yourself might be the better choice. In this scenario, you could ask your child to help make payments \u2014 but if they can\u2019t afford to do so or stop for any reason, you\u2019ll have no recourse.<\/p>\n<p>Here are several reasons why a parent student loan could be the better option:<\/p>\n<ul>\n<li><b>The student isn\u2019t responsible for payments. <\/b>If the parent plans on paying the entire loan balance, a parent loan could be more convenient. You can work directly with the lender to choose a repayment plan that suits your needs.<\/li>\n<li><b>The student avoids debt. <\/b>Taking out a parent loan could help prevent the student from going into debt as well as help them focus on other goals.<\/li>\n<li><b>Parents might qualify for better rates. <\/b>Parents are generally able to meet credit and income requirements more easily than students. This could help you qualify for a good interest rate.<\/li>\n<\/ul>\n<p>And here are a few advantages for a student to take out a loan with a parent cosigner:<\/p>\n<ul>\n<li><b>The student might qualify for more discounts. <\/b>Some lenders provide exclusive rate discounts to students. For example, <a href=\"https:\/\/www.credible.com\/lenders\/ascent\/\">Ascent<\/a> offers a 1% cash back graduation reward.<\/li>\n<li><b>The student is responsible for loan payments. <\/b>Because the student is responsible for making monthly loan payments, parents can focus on saving for retirement and other financial priorities. However, remember that if your child can\u2019t keep up with payments, the cosigner will be on the hook.<\/li>\n<li><b>More repayment options available to student borrowers. <\/b>Student borrowers sometimes have more repayment options, such as longer repayment terms or deferred payments while in school.<\/li>\n<\/ul>\n<p><b><i>Check Out: <\/i><\/b><a href=\"https:\/\/www.credible.com\/blog\/student-loans\/private-student-loans-covid\/\"><i>Private Student Loans and COVID-19: What You Need to Know<\/i><\/a><\/p>\n<p><a name=\"qualify-private-loan\"><\/a><\/p>\n<h2>How to qualify for a private student loan<\/h2>\n<p>Eligibility criteria for private student loans vary by lender. But there are a few common requirements you\u2019ll likely come across, including:<\/p>\n<ul>\n<li><b>Good credit: <\/b>You\u2019ll typically need good to excellent credit to qualify for a private student loan. Having good credit could also help you secure a better interest rate. While some lenders offer <a href=\"https:\/\/www.credible.com\/blog\/student-loans\/bad-credit\/\">student loans for bad credit<\/a>, these typically come with higher interest rates compared to good-credit loans.<\/li>\n<li><b>Verifiable income:<\/b> Lenders want to see that you\u2019ll be able to repay the loan. Some lenders have specific minimum income requirements while others don\u2019t \u2014 but in either case, the lender will generally ask to see proof of income.<\/li>\n<li><b>Low debt-to-income ratio: <\/b>Your debt-to-income (DTI) ratio is the amount of debt you owe compared to your income. You\u2019ll generally need a DTI ratio lower than 50% \u2014 though some lenders might require lower percentages.<\/li>\n<\/ul>\n<p><b><i>Learn More:<\/i><\/b> <a href=\"https:\/\/www.credible.com\/blog\/student-loans\/choosing-fixed-or-variable-rate-student-loan\/\">Fixed- or Variable-Rate Student Loan: Which Is Right for You?<\/a><\/p>\n<p><a name=\"how-to-apply-student-loan-for-school-and-living-expenses\"><\/a><\/p>\n<h2>How to apply for a private student loan to cover school and living expenses<\/h2>\n<p>If you\u2019re ready to apply for a private student loan, follow these four steps:<\/p>\n<ol>\n<li><b>Complete the FAFSA. <\/b>Your first step should be filling out the <a href=\"https:\/\/www.credible.com\/blog\/student-loans\/applying-for-fafsa\/\">Free Application for Federal Student Aid (FAFSA)<\/a>. The school will use the student\u2019s FAFSA results to determine what federal student loans and other federal <a href=\"https:\/\/www.credible.com\/blog\/student-loans\/qualifying-for-financial-aid\/\">financial aid<\/a> they qualify for.<\/li>\n<li><b>Apply for grants and scholarships. <\/b>Unlike student loans, grants and scholarships don\u2019t have to be repaid \u2014 which essentially makes them free money for school. There\u2019s no limit on how many <a href=\"https:\/\/www.credible.com\/blog\/student-loans\/college-grants\/\">college grants<\/a> and <a href=\"https:\/\/www.credible.com\/blog\/student-loans\/college-scholarships\/\">scholarships<\/a> you can get, so it\u2019s a good idea for students to apply for as many as they possibly can.<\/li>\n<li><b>Accept federal student loans. <\/b>If you need to borrow for school, it\u2019s usually a good idea to start with federal student loans so you\u2019ll have access to federal benefits and protections. There are several types of federal student loans that students might qualify for. Additionally, parents can apply for Parent PLUS Loans to fund their child\u2019s education.<\/li>\n<li><b>Use private student loans to fill any gaps. <\/b>After exhausting grant, scholarship, and federal student loan options, private student loans could fill any financial gaps left over. For example, private student loans could help cover education costs like tuition, <a href=\"https:\/\/www.credible.com\/blog\/student-loans\/how-to-pay-for-college-textbooks\/\">textbooks<\/a>, or living expenses.<\/li>\n<\/ol>\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 you \u2014 whether it\u2019s a parent loan or a cosigned loan. This is easy with Credible. You can compare your prequalified rates from multiple lenders in two minutes.<\/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><a name=\"get-the-best-parent-student-loan-rate\"><\/a><\/p>\n<h2>How to get the best parent student loan rate<\/h2>\n<p>Congress sets federal student loan rates each year. Here are the rates you can expect for the current academic year:<\/p>\n<ul>\n<li><b>Parent PLUS Loans:<\/b> <span data-sheets-value=\"{&quot;1&quot;:3,&quot;3&quot;:0.0805}\" data-sheets-userformat=\"{&quot;2&quot;:577,&quot;3&quot;:{&quot;1&quot;:3,&quot;2&quot;:&quot;0.00%&quot;,&quot;3&quot;:1},&quot;9&quot;:0,&quot;12&quot;:0}\">8.05%<\/span><\/li>\n<\/ul>\n<p>On the other hand, individual lenders set private student loan rates based on market conditions. Also keep in mind that other factors will affect the actual rates you\u2019re offered, such as your credit score and the repayment term you choose.<\/p>\n<p>Here are the starting rates on private student loans from Credible\u2019s partner lenders:<\/p>\n<ul>\n<li><b>Fixed rates starting at:<\/b> <span data-sheets-value=\"{&quot;1&quot;:2,&quot;2&quot;:&quot;  &lt;span&gt;\n    2.65%+&lt;sup&gt;&lt;\/sup&gt;\n  &lt;\/span&gt;\n&quot;}\" data-sheets-userformat=\"{&quot;2&quot;:513,&quot;3&quot;:{&quot;1&quot;:0},&quot;12&quot;:0}\">  <span>\n    2.65%+<sup><\/sup>\n  <\/span>\n<\/span><\/li>\n<li><b>Variable rates starting at:<\/b> <span data-sheets-value=\"{&quot;1&quot;:2,&quot;2&quot;:&quot;  &lt;span&gt;\n    3.5%+&lt;sup&gt;&lt;\/sup&gt;\n  &lt;\/span&gt;\n&quot;}\" data-sheets-userformat=\"{&quot;2&quot;:513,&quot;3&quot;:{&quot;1&quot;:0},&quot;12&quot;:0}\">  <span>\n    3.5%+<sup><\/sup>\n  <\/span>\n<\/span><\/li>\n<\/ul>\n<p>A couple strategies might help you qualify for a better rate on a private loan, including:<\/p>\n<ul>\n<li><b>Apply with a cosigner.<\/b> If you have poor or fair credit, applying with a cosigner with good credit could improve your chances of getting approved. Even if you don\u2019t need a cosigner to qualify, having one might get you a lower rate than you\u2019d get on your own.<\/li>\n<li><b>Compare lenders.<\/b> Shopping around and <a href=\"https:\/\/www.credible.com\/student-loans\">comparing your options<\/a> from as many lenders as possible can help you find a loan with the most optimal rate for your needs.<\/li>\n<\/ul>\n<p><a name=\"parent-student-loan-faqs\"><\/a><\/p>\n<h2>Parent student loan FAQs<\/h2>\n<p>Here are answers to some frequently asked questions about student loans for parents:<\/p>\n<h3>Can you claim a parent PLUS loan on taxes?<\/h3>\n<p>If you\u2019re a parent PLUS loan borrower, you can claim your student loan interest payments on your taxes. The student loan interest tax deduction lets you claim up to $2,500 per year, but only borrowers who earn a modified adjusted gross income of $85,000 or less are eligible. If filing taxes jointly, only families with an income of $175,000 or less qualify.<\/p>\n<p>Any interest payments you made on qualifying federal or private student loans you borrowed on behalf of a dependent are eligible for this deduction. However, you can\u2019t claim deductions for interest paid on loans in the student\u2019s name.<\/p>\n<p><i><b>Check Out: <\/b><\/i><a href=\"https:\/\/www.credible.com\/blog\/student-loans\/taxable-income\/#tax-benefits-and-deductions\"><em>Do Student Loans Count as Income on My Taxes?<\/em><\/a><\/p>\n<h3>Does cosigning a student loan hurt my credit?<\/h3>\n<p>Cosigning a student loan can impact your credit, but the impact doesn\u2019t have to be harmful. Late or missed payments will hurt your credit, but on-time payments could boost your credit score over time.<\/p>\n<p>You may see a temporary dip in your score at first, since the lender will run a hard credit inquiry to check your credit. This decrease may be five points or less, and you should see your score bounce back within a few months.<\/p>\n<p><em><strong>Also see:<\/strong> <a href=\"https:\/\/www.credible.com\/blog\/student-loans\/parents-with-bad-credit\/\">2 Student Loan Options For Parents With Bad Credit<\/a><\/em><\/p>\n<h3>Can a student take over a parent PLUS loan?<\/h3>\n<p>A student can\u2019t take over a parent PLUS loan, since the parent borrower is legally obligated to manage the loan and make payments.<\/p>\n<p>However, some private lenders let students refinance parent PLUS loans in their own name if they can meet credit and income requirements. Refinancing a PLUS loan makes it private, meaning the loan would no longer be eligible for federal repayment plans, forgiveness programs, or other protections.<\/p>\n<p><em><strong>Also see:<\/strong> <a href=\"https:\/\/www.credible.com\/blog\/refinance-student-loans\/parent-plus-loans\/\">Best Companies to Refinance Parent PLUS Loans<\/a><\/em><\/p>\n<h3>Are both parents responsible for Parent PLUS loans?<\/h3>\n<p>Both parents are not responsible for the parent PLUS loan unless both parents\u2019 names are on the loan agreement. If one parent can qualify for the loan on their own, then that parent is solely responsible for paying the loan back.<\/p>\n<p>However, if the first parent has adverse credit and needs the other parent to sign onto the loan as an endorser (similar to a cosigner), then both parents are responsible for the loan.<\/p>\n<h3>Do I have to be the student\u2019s parent to take out a parent student loan for them?<\/h3>\n<p>Whether or not you must be the student\u2019s parent to take out a student loan on their behalf depends on the type of loan. For federal parent PLUS loans, you must be the biological parent, adoptive parent, or in some cases, stepparent of the student to borrow. A student\u2019s legal guardian, grandparent, or other family member cannot borrow a parent PLUS loan unless they formally adopted the student.<\/p>\n<p>Private lenders, however, tend to be more flexible. Each lender sets its own rules, but many don\u2019t require you to be the parent or guardian to borrow a student loan on behalf of a student. It\u2019s worth checking with each individual lender about its specific guidelines.<\/p>\n<h3>What is the maximum amount parents can borrow for their student?<\/h3>\n<p><span style=\"font-weight: 400;\">The maximum amount parents can borrow for their student depends on the type of loan they choose. With federal parent PLUS loans, the maximum amount is the student\u2019s school-certified cost of attendance, minus any other financial aid they\u2019ve already received.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">With private parent loans, the maximum amount will vary by lender. Many lenders let you borrow up to the school\u2019s cost of attendance, while others set lower limits.\u00a0<\/span><\/p>\n<h3>Can parent PLUS loans be forgiven?<\/h3>\n<p>Parent PLUS loans are eligible for some federal forgiveness programs, but generally have fewer options than students with their own debt.<\/p>\n<p>For example, parent PLUS loans can be forgiven through the <a href=\"https:\/\/www.credible.com\/blog\/refinance-student-loans\/public-service-loan-forgiveness\/\">Public Service Loan Forgiveness (PSLF) Program<\/a>, which requires 10 years of public service and 120 qualifying loan payments. You might also qualify for parent PLUS loan forgiveness if you still have a balance after 25 years on the Income-Contingent Repayment (ICR) Plan. However, you must consolidate your loans before they\u2019re eligible for either of these options.<\/p>\n<p>Parent PLUS loans were also included in President Joe Biden\u2019s plan for student loan forgiveness of up to $20,000 per borrower who met income guidelines. However, that plan was stuck down by the Supreme Court.<\/p>\n<p><em><strong>See more:<\/strong> <a href=\"https:\/\/www.credible.com\/blog\/refinance-student-loans\/parent-student-loan-forgiveness\/\">How to Get Parent Student Loan Forgiveness<\/a><\/em><\/p>\n<h3>What are the benefits of a parent PLUS loan?<\/h3>\n<p>Parent PLUS loans allow parents to help their children cover the costs of their undergraduate education. They have several benefits, such as:<\/p>\n<ul>\n<li><strong>Lenient qualification requirements:<\/strong> While private lenders look for a good credit score and reliable income, PLUS loans only ask that you don\u2019t have adverse credit. If you do, you could still qualify by applying with an endorser and completing credit counseling.<\/li>\n<li><strong>Can borrow as much as you need:<\/strong> PLUS loans let you borrow up to the school\u2019s cost of attendance, minus any other other financial aid your child has already received.<\/li>\n<li><strong>Fixed interest rates:<\/strong> You won\u2019t have to worry about your interest rate changing over the life of your loan.<\/li>\n<li><strong>Eligible for federal programs:<\/strong> Parent PLUS loans qualify for a variety of federal repayment plans and protections, including Income-Contingent Repayment, PSLF, deferment, and forbearance.<\/li>\n<li><strong>Option to defer payments:<\/strong> If you\u2019re not ready to make payments on your parent PLUS loan right away, you can apply to defer them while your child is enrolled in school and for six months after they graduate.<\/li>\n<\/ul>\n<h3>What are the drawbacks of a parent PLUS loan?<\/h3>\n<p>Along with the benefits, parent PLUS loans also come with some potential drawbacks:<\/p>\n<ul>\n<li><strong>Relatively high interest rates and fees:<\/strong> PLUS loans have the highest rates and fees among all federal student loans. Currently, there\u2019s an interest rate of <span data-sheets-value=\"{&quot;1&quot;:3,&quot;3&quot;:0.0805}\" data-sheets-userformat=\"{&quot;2&quot;:577,&quot;3&quot;:{&quot;1&quot;:3,&quot;2&quot;:&quot;0.00%&quot;,&quot;3&quot;:1},&quot;9&quot;:0,&quot;12&quot;:0}\">8.05%<\/span> and a loan fee of <span data-sheets-value=\"{&quot;1&quot;:3,&quot;3&quot;:0.04228}\" data-sheets-userformat=\"{&quot;2&quot;:577,&quot;3&quot;:{&quot;1&quot;:3,&quot;2&quot;:&quot;0.000%&quot;,&quot;3&quot;:1},&quot;9&quot;:0,&quot;12&quot;:0}\">4.228%<\/span>.<\/li>\n<li><strong>Only eligible for one income-driven repayment plan:<\/strong> Parent PLUS loans only qualify for <a href=\"https:\/\/www.credible.com\/blog\/refinance-student-loans\/income-contingent-repayment\/\">Income-Contingent Repayment<\/a>, which has the least borrower-friendly terms of all income-driven repayment plans. Plus, you have to consolidate your parent PLUS loan before you can apply for ICR.<\/li>\n<li><strong>May require an endorser:<\/strong> If you have adverse credit, such as a recent default or bankruptcy, you\u2019ll need to apply with an endorser who will become equally responsible for the debt. With this option, you\u2019ll also have to complete online credit counseling.<\/li>\n<li><strong>Accrue interest right away:<\/strong> Interest will start accruing on your parent PLUS loan from the date of disbursement, causing your balance to grow if you choose not to make payments while your child is in school.<\/li>\n<\/ul>\n<p><i><a href=\"https:\/\/www.credible.com\/blog\/author\/josh-patoka\/\">Josh Patoka<\/a> contributed to the reporting for this article.<\/i><\/p>\n","protected":false},"excerpt":{"rendered":"<p>The cost of higher education continues to rise, and many students need help meeting education expenses. Since 1980, the price for tuition, fees, and room and board at four-year colleges has increased by nearly 175%,&hellip; <a class=\"more \" href=\"https:\/\/www.credible.com\/blog\/student-loans\/best-parent-plus-student-loans\/\">Continue reading<\/a><\/p>\n","protected":false},"author":126,"featured_media":39296,"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":[1511],"class_list":["post-39264","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-refinance-student-loans","tag-parents-college","best-parent-student-loans-private-and-plus-loans","post_tag-parents-college"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Best Parent Student Loans: Choosing Private or PLUS Loans | Credible<\/title>\n<meta name=\"description\" content=\"The best parent student loans offer competitive rates, a selection of repayment terms, and inclusive eligibility requirements. 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