{"id":47058,"date":"2021-01-12T09:21:13","date_gmt":"2021-01-12T17:21:13","guid":{"rendered":"https:\/\/www.credible.com\/blog\/?p=47058"},"modified":"2022-10-26T11:39:42","modified_gmt":"2022-10-26T18:39:42","slug":"how-to-pay-for-college-with-no-money-saved","status":"publish","type":"post","link":"https:\/\/www.credible.com\/blog\/student-loans\/pay-for-college-no-money\/","title":{"rendered":"How to Pay for College With No Money Saved"},"content":{"rendered":"<p>The average cost of college ranges from $22,690 per year for in-state students at a public school and up to $51,690 per year for private colleges, according to the College Board.<\/p>\n<p>If you don\u2019t have this kind of money saved for college, paying for it might feel impossible. But don\u2019t worry \u2014 you have plenty of options that could help.<\/p>\n<p><b>Here are nine ways to pay for college with no money:<\/b><\/p>\n<ol>\n<li><a href=\"#apply-scholarships\">Apply for scholarships<\/a><\/li>\n<li><a href=\"#apply-financial-aid-grants\">Apply for financial aid and grants<\/a><\/li>\n<li><a href=\"#community-college-trade-school\">Consider going to community college or trade school first<\/a><\/li>\n<li><a href=\"#negotiate-financial-aid\">Negotiate with the college for more financial aid<\/a><\/li>\n<li><a href=\"#work-study-job\">Get a work-study job<\/a><\/li>\n<li><a href=\"#trim-expenses\">Trim your expenses<\/a><\/li>\n<li><a href=\"#take-federal-student-loans\">Take out federal student loans<\/a><\/li>\n<li><a href=\"#alternative-funding\">Find alternative funding sources<\/a><\/li>\n<li><a href=\"#consider-private-student-loans\">Consider private student loans<\/a><\/li>\n<\/ol>\n<p><a name=\"apply-scholarships\"><\/a><\/p>\n<h2>1. Apply for scholarships<\/h2>\n<ul class=\"accent--isGreen list--iconArrow\">\n<li><b>Potential savings: <\/b>$100 up to a full ride<\/li>\n<\/ul>\n<p><a href=\"https:\/\/www.credible.com\/blog\/student-loans\/college-scholarships\/\">Scholarships<\/a> are a great place to start when it comes to paying for college, mainly because they don\u2019t have to be paid back.<\/p>\n<p>A wide variety of scholarships are available for almost every type of student, ranging from $100 to a full ride that could cover most or even all of your college expenses.<\/p>\n<div class=\"basic-box\" style=\"border: 1px solid #E2E4E6;\"><div class=\"basic-box__inside\"><b>How can I score a full-ride scholarship? <\/b>The requirements for getting a full-ride scholarship will vary depending on who is offering it. But most scholarships consider the following:<\/p>\n<ul>\n<li>Test scores (such as the ACT or SAT)<\/li>\n<li>Interests and skills (such as showing leadership or having volunteer experience)<\/li>\n<li>Letters of recommendation (from a teacher, manager, or other mentor)<\/li>\n<li>Personal essay that illustrates your interests and goals for the future<\/li>\n<li>Grades or class ranking (possibly both)<\/li>\n<\/ul>\n<\/div><\/div>\n<p>You might find scholarships offered by local and national businesses, nonprofit organizations, and even your own school.<\/p>\n<p>Students may qualify for a scholarship for merit, athletics, demonstrating financial need, joining a specific program, or other criteria. Most scholarships will require an application, which may include essays among other requirements.<\/p>\n<div class=\"basic-box\" style=\"border: 1px solid #E2E4E6;\"><div class=\"basic-box__inside\"><b>Tip: <\/b>You can find scholarships for just about anything. For example, you can find need-based and merit-based scholarships, as well as scholarships geared toward minorities, special interests, and certain majors.<\/p>\n<p>There\u2019s no limit to how many scholarships you can get, so it\u2019s a good idea to apply for as many as you possibly can.<\/div><\/div>\n<p>If you qualify for scholarships but don\u2019t have enough to cover your full cost of school, student loans could help fill the gap. But be sure to consider how much student loans will cost you in the future so you can budget for the added expense. See what your estimated monthly payment will be using our student loan calculator below.<\/p>\n<div class=\"calculator loan\">\n<div class=\"inputs container\">\n\n\t<p>Enter your loan information<span class=\"hidden-md-up\"> to calculate how much you could pay<\/span><\/p>\n\n  <div class=\"row form-groups\">\n  <div class=\"col-xs-8 col-lg\">\n    <div class=\"form-group\">\n  \t\t<label for=\"loan-amount\">Loan amount<\/label>\n  \t\t<span class=\"badge badge-pill\" data-toggle=\"tip\" data-placement=\"top left\">\n  \t\t\t?\t<span class=\"tip \">\n\t\t<span class=\"tip-content\">Enter the total amount borrowed<\/span>\n\t\t<span class=\"tip-arrow\"><\/span>\n\t<\/span>\n\t  \t\t<\/span>\n  \t\t<span class=\"input-group loan-amount\">\n  \t\t\t<span class=\"input-group-addon\">$<\/span>\n  \t\t\t<input type=\"number\" value=\"20000\" step=\"1000\" name=\"loan-amount\" id=\"loan-amount\" aria-label=\"Loan amount\" class=\"form-control\" inputmode=\"numeric\" pattern=\"[0-9]*\">\n  \t\t<\/span>\n    <\/div>\n  <\/div>\n  <div class=\"col-xs-6 col-lg\">\n    <div class=\"form-group\">\n  \t\t<label for=\"interest-rate\">Interest rate<\/label>\n  \t\t<span class=\"badge badge-pill\" data-toggle=\"tip\" data-placement=\"top left\">\n  \t\t\t?\t<span class=\"tip \">\n\t\t<span class=\"tip-content\">Enter your annual interest rate<\/span>\n\t\t<span class=\"tip-arrow\"><\/span>\n\t<\/span>\n\t  \t\t<\/span>\n  \t\t<span class=\"input-group interest-rate\">\n  \t\t\t<input type=\"number\" value=\"4\" step=\".01\" min=\".01\" max=\"100\" name=\"interest-rate\" id=\"interest-rate\" aria-label=\"Interest rate\" class=\"form-control\">\n  \t\t\t<span class=\"input-group-addon\">%<\/span>\n  \t\t<\/span>\n    <\/div>\n\t\t<span class=\"between\">or<\/span>\n  <\/div>\n  <div class=\"col-xs-6 col-lg\">\n    <div class=\"form-group\">\n  \t\t<label for=\"loan-term\">Loan term<\/label>\n  \t\t<span class=\"badge badge-pill\" data-toggle=\"tip\" data-placement=\"top left\">\n  \t\t\t?\t<span class=\"tip \">\n\t\t<span class=\"tip-content\">Enter the amount of time you have to repay your loan<\/span>\n\t\t<span class=\"tip-arrow\"><\/span>\n\t<\/span>\n\t  \t\t<\/span>\n  \t\t<span class=\"input-group loan-term\">\n  \t\t\t<input name=\"loan-term\" value=\"10\" step=\"1\" min=\"1\" max=\"50\" id=\"loan-term\" aria-label=\"Loan term\" type=\"number\" class=\"form-control\" inputmode=\"numeric\" pattern=\"[0-9]*\">\n  \t\t\t<span class=\"input-group-addon\">years<\/span>\n  \t\t<\/span>\n    <\/div>\n\t<\/div>\n\t<\/div>\n\n<\/div>\n<div class=\"outputs container\">\n\n  <div class=\"results row\">\n  <div class=\"col-xs-6 col-sm-4 col-md-6 col-lg-4\">\n  \tTotal Payment\n  \t<big>$<span class=\"total-payment\"><\/span><\/big>\n  <\/div>\n  <div class=\"col-xs-6 col-sm-4 col-md-6 col-lg-4\">\n  \tTotal Interest\n  \t<big>$<span class=\"total-interest\"><\/span><\/big>\n  <\/div>\n  <div class=\"col-xs-12 col-sm-4 col-md-12 col-lg-4\">\n  \tMonthly Payment\n  \t<big>$<span class=\"monthly-payment\"><\/span><\/big>\n  <\/div>\n  <\/div>\n\n  <p class=\"results-sentence\">\n    With a\n    <strong>$<span class=\"output-loan-amount\"><\/span><\/strong>\n        loan, you will pay\n    <strong>$<span class=\"monthly-payment\"><\/span><\/strong>\n    monthly and a total of\n    <strong>$<span class=\"total-interest\"><\/span><\/strong>\n    in interest over the life of your loan. You will pay a total of\n    <strong>$<span class=\"total-payment\"><\/span><\/strong>\n    over the life of the\n    loan, assuming you're making full payments while in school.\n  <\/p>\n\n  <hr \/>\n  <div class=\"cta\">\n    \n<p><strong>Need a student loan?<\/strong><br \/>\nCompare rates without affecting your credit score. 100% free!<\/p>\n<p><a class=\"btn btn-lg btn-warning\" href=\"\/student-loans\/start\">Check Personalized Rates<\/a><\/p>\n<p><small>Checking rates won&#8217;t affect your credit score.<\/small><\/p>\n  <\/div>\n\n<\/div>\n<\/div>\n\n<p><em><strong>Also See:<\/strong> <a href=\"https:\/\/www.credible.com\/blog\/student-loans\/paying-for-college-without-parents\/\">8 Steps If Your Parents Won\u2019t Help Pay for College<\/a><\/em><\/p>\n<p><a name=\"apply-financial-aid-grants\"><\/a><\/p>\n<h2>2. Apply for financial aid and grants<\/h2>\n<ul class=\"accent--isGreen list--iconArrow\">\n<li><b>Potential savings: <\/b>Varies (but could cover all college costs)<\/li>\n<\/ul>\n<p>If you\u2019ve exhausted your scholarship search, applying for federal financial aid and <a href=\"https:\/\/www.credible.com\/blog\/student-loans\/college-grants\/\">college grants<\/a> should be your next step. Like with scholarships, grants don\u2019t have to be repaid.<\/p>\n<p>Depending on the cost of the school you attend, your total financial aid and grants could add up to the full cost of attendance.<\/p>\n<div class=\"basic-box\" style=\"border: 1px solid #E2E4E6;\"><div class=\"basic-box__inside\"><b>What grants could I get?<\/b> Several types of federal grants are available that you might be eligible for.<\/p>\n<p>For example, if you\u2019re an undergraduate student with financial need, you might qualify for a <a href=\"https:\/\/www.credible.com\/blog\/student-loans\/pell-grant-calculator-and-eligibility\/\">Pell Grant<\/a>. For the 2022-23 academic year, the maximum you could be awarded with a Pell Grant is $6,895.<\/div><\/div>\n<p>To apply for federal aid and determine your eligibility, you\u2019ll need to fill out the <a href=\"https:\/\/www.credible.com\/blog\/student-loans\/applying-for-fafsa\/\">Free Application for Federal Student Aid (FAFSA)<\/a>. The information you provide in the FAFSA is used to calculate your Expected Family Contribution (EFC), which is the amount your family is expected to contribute to your education costs.<\/p>\n<p>Your <a href=\"https:\/\/www.credible.com\/blog\/student-loans\/how-to-calculate-your-student-loan-expected-family-contribution-efc\/\">EFC<\/a>, year in school, enrollment status, dependency status, and school\u2019s cost of attendance will determine the aid you qualify for.<\/p>\n<p>After you submit the FAFSA, your school will send you a financial aid award letter detailing what financial aid is available to you. You can then choose which aid you\u2019d like to accept, such as grants and federal student loans.<br \/>\n<a name=\"negotiate-financial-aid\"><\/a><\/p>\n<p><em><strong>Learn More:<\/strong> <a href=\"https:\/\/www.credible.com\/blog\/student-loans\/cant-afford-college\/\">5 Steps to Take if You Can\u2019t Afford College<\/a><\/em><\/p>\n<p><a name=\"community-college-trade-school\"><\/a><\/p>\n<h2>3. Consider going to community college or trade school first<\/h2>\n<ul class=\"accent--isGreen list--iconArrow\">\n<li><b>Potential savings:<\/b> Varies<\/li>\n<\/ul>\n<p>You might want to consider going to a community college or trade school before attending a public university. For starters, you can take general education courses that will transfer over, allowing you to pay less for courses that you might take at a larger college. Also, trade schools typically cost less and take less time than a traditional four-year college degree.<\/p>\n<p><i><b>Read More:<\/b> <a href=\"https:\/\/www.credible.com\/blog\/student-loans\/is-college-worth-it\/\">Is Going to College Worth It? How to Decide<\/a><\/i><\/p>\n<p><a name=\"negotiate-financial-aid\"><\/a><\/p>\n<h2>4. Negotiate with the college for more financial aid<\/h2>\n<ul class=\"accent--isGreen list--iconArrow\">\n<li><b>Potential savings: <\/b>Varies (potentially up to $120,000 or more)<\/li>\n<\/ul>\n<p>If you don\u2019t have enough financial aid to cover your education costs, you might be able to negotiate with your school for more.<\/p>\n<p>For example, if you have financial need, have a unique background, or can show larger financial aid offers from other schools, your school could be willing to increase your financial aid.<\/p>\n<div class=\"basic-box\" style=\"border: 1px solid #E2E4E6;\"><div class=\"basic-box__inside\"><b>How much can I ask for?<\/b> The amount you might negotiate for will come down to what aid you\u2019re eligible for as well as your school\u2019s cost of attendance. Make sure you do the math beforehand so you can ask for a reasonable number.<\/p>\n<p>This will also ultimately depend on how much aid money your school has to give out. For example, while some schools have increased students\u2019 aid, others might not be able to provide as much.<\/div><\/div>\n<p>While your school might not be willing or able to offer you more aid, it\u2019s always worth asking. After all, the worst they can say is no.<\/p>\n<div class=\"basic-box\" style=\"border: 1px solid #E2E4E6;\"><div class=\"basic-box__inside\"><b>Tip:<\/b> Consider asking your parents or other close relatives for help. For example, they might be able to cover your textbook costs or incidental expenses. You can also see if your parents ever opened a <a href=\"https:\/\/www.credible.com\/blog\/student-loans\/529-plan\/\">529 plan<\/a> for you. Every little bit helps.<\/div><\/div>\n<p><em><strong>See:<\/strong> <a href=\"https:\/\/www.credible.com\/blog\/student-loans\/adult-student-loans\/\">How to Get Student Loans, Grants, and More for Adult Learners<\/a><\/em><\/p>\n<p><a name=\"work-study-job\"><\/a><\/p>\n<h2>5. Get a work-study job<\/h2>\n<ul class=\"accent--isGreen list--iconArrow\">\n<li><b>Potential savings:<\/b> Depends on pay and hours worked<\/li>\n<\/ul>\n<p><a href=\"https:\/\/www.credible.com\/blog\/student-loans\/work-study\/\">Federal work study<\/a> is a type of financial aid where you work a part-time job while enrolled in school to help pay for your education.<\/p>\n<p>If you\u2019re a part-time or full-time undergraduate, graduate, or professional student with financial need, you could be eligible for a work-study job. You\u2019ll need to fill out the FAFSA to apply.<\/p>\n<div class=\"basic-box\" style=\"border: 1px solid #E2E4E6;\"><div class=\"basic-box__inside\"><b>Keep in mind: <\/b>Although a work-study position might not pay much, every dollar helps when it comes to <a href=\"https:\/\/www.credible.com\/blog\/student-loans\/pay-for-college\/\">paying for college<\/a>. Work-study jobs pay at least the federal minimum wage, though some schools might offer more.<\/div><\/div>\n<p>If a work-study job doesn\u2019t fully cover your costs, student loans could help fill any leftover financial gaps. <a href=\"https:\/\/www.credible.com\/blog\/student-loans\/federal-student-loans-guide\/\">Federal student loans<\/a> are typically a good place to start, but if you need more funding, private student loans might be another option.<\/p>\n<p>Before taking out a private student loan, be sure to consider as many lenders as possible to find the right loan for you. Credible makes this easy \u2014 you can compare your prequalified rates from multiple private student loan 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><b><i>Learn More:<\/i><\/b> <a href=\"https:\/\/www.credible.com\/blog\/student-loans\/bad-credit\/\">Bad Credit Student Loans<\/a><\/p>\n<p><a name=\"trim-expenses\"><\/a><\/p>\n<h2>6. Trim your expenses<\/h2>\n<ul class=\"accent--isGreen list--iconArrow\">\n<li><b>Potential savings: <\/b>Varies<\/li>\n<\/ul>\n<p>On top of tuition and fees, you might have to cover several other expenses while attending school, such as housing, transportation, groceries, and more. But you can also find ways to trim or even avoid these costs.<\/p>\n<div class=\"basic-box\" style=\"border: 1px solid #E2E4E6;\"><div class=\"basic-box__inside\"><b>For example: <\/b>The average cost for on-campus living during the 2019-20 academic year was $11,510 for four-year public schools and $12,990 for four-year private schools, according to <a href=\"https:\/\/research.collegeboard.org\/pdf\/trends-college-pricing-student-aid-2020.pdf\">The College Board<\/a>. If you\u2019re able to live at home, you could save thousands of dollars on your living expenses.<\/p>\n<p>Or if you can attend a <a href=\"https:\/\/www.credible.com\/blog\/student-loans\/community-college-student-loans\/\">community college<\/a> before transferring to a four-year school, you could save on your overall cost of attendance.<\/p>\n<p>The total cost of attendance at a community college was $12,690 during the 2019-20 academic school year \u2014 which is much less than $25,980 per year for a four-year public school or $52,570 per year for a four-year private school.<\/div><\/div>\n<p>Just keep in mind that if you live at home or off-campus, you might need to pay for transportation or other expenses.<\/p>\n<p><b><i>Learn More:<\/i><\/b> <a href=\"https:\/\/www.credible.com\/blog\/student-loans\/on-campus-vs-off-campus-costs\/\">On-Campus vs. Off-Campus Costs<\/a><\/p>\n<p><a name=\"take-federal-student-loans\"><\/a><\/p>\n<h2>7. Take out federal student loans<\/h2>\n<ul class=\"accent--isGreen list--iconArrow\">\n<li><b>Potential coverage: <\/b>Up to your school\u2019s cost of attendance minus other financial aid (depending on financial need, year in school, and type of loan)<\/li>\n<\/ul>\n<p>If you need to borrow money for school, federal student loans are generally a good place to start.<\/p>\n<p>This is mainly because they come with <a href=\"https:\/\/www.credible.com\/blog\/student-loans\/federal-student-loan-benefits\/\">federal student loan benefits<\/a> and protections, such as access to income-driven repayment plans and student loan forgiveness programs. You\u2019ll need to fill out the FAFSA to apply for federal student loans.<\/p>\n<p>Here are the main types of student loans you might be eligible for:<\/p>\n<ul>\n<li><b>Direct Subsidized Loans<\/b> are available to undergraduate students with financial need. The government covers the interest on these loans while you\u2019re in school, leaving you with less to pay off after graduation.<\/li>\n<li><b>Direct Unsubsidized Loans<\/b> are available to both undergraduate and graduate students, regardless of financial need. Unlike subsidized loans, you\u2019ll be responsible for the interest that accrues while you\u2019re in school.<\/li>\n<li><b>Direct PLUS Loans<\/b> are available to both graduate students and parents paying for their child\u2019s education. Unlike other federal student loans, PLUS Loans require a credit check. They also generally come with higher interest rates compared to subsidized and unsubsidized loans.<\/li>\n<\/ul>\n<div class=\"basic-box\" style=\"border: 1px solid #E2E4E6;\"><div class=\"basic-box__inside\"><b>Keep in mind:<\/b> Most student loans come with a six-month grace period \u2014 meaning you won\u2019t have to start repaying them until six months after you leave or graduate school.<\/div><\/div>\n<p><b><i>Check Out:<\/i><\/b> <a href=\"https:\/\/www.credible.com\/blog\/student-loans\/cosmetology-student-loans\/\">Cosmetology School Student Loans and Financial Aid<\/a><\/p>\n<p><a name=\"alternative-funding\"><\/a><\/p>\n<h2>8. Find alternative funding sources<\/h2>\n<ul class=\"accent--isGreen list--iconArrow\">\n<li><b>Potential savings:<\/b> Varies<\/li>\n<\/ul>\n<p>You might want to also consider alternative funding sources for your education, including employer assistance programs and tuition assistance from the military if you\u2019re on active duty.<\/p>\n<ul>\n<li><b>Employer assistance:<\/b> If you\u2019re planning to go to graduate school, you might want to consider tapping into an employer assistance program. Some employers offer tuition reimbursement while you\u2019re attending graduate school, which could be a great benefit to take advantage of.<\/li>\n<li><b>Military tuition assistance:<\/b> Some colleges offer tuition assistance to active-duty, Reservist, and members of the National Guard. Before seeking this benefit from your college, it\u2019s best to explore your options from your arm of the military. Each one has its own eligibility criteria, required obligations, and application process.<\/li>\n<\/ul>\n<p><i><b>See More:<\/b> <a href=\"https:\/\/www.credible.com\/blog\/student-loans\/no-credit-check-student-loans\/\">Student Loans Without a Credit Check<\/a><\/i><\/p>\n<div id=\"loan-score-tool\">\n  Loading widget - loan-score-tool\n<\/div>\n\n<p><a name=\"consider-private-student-loans\"><\/a><\/p>\n<h2>9. Consider private student loans<\/h2>\n<ul class=\"accent--isGreen list--iconArrow\">\n<li><b>Potential savings:<\/b> Up to your school\u2019s cost of attendance (depending on the lender)<\/li>\n<\/ul>\n<p>Once you\u2019ve exhausted your scholarship, grant, and federal student loan options, private <a href=\"https:\/\/www.credible.com\/student-loans\">college loans<\/a> could be a good choice if you need additional funds. You can use private student loans for a variety of expenses, including tuition, books, housing, and more.<\/p>\n<p>Keep in mind that unlike most federal student loans, you\u2019ll need to pass a credit check to potentially qualify for a private student loan.<\/p>\n<p>If you aren\u2019t eligible on your own, adding a <a href=\"https:\/\/www.credible.com\/blog\/student-loans\/cosigner-explained\/\">student loan cosigner<\/a> with good credit to your application could help you get approved.<\/p>\n<div class=\"basic-box\" style=\"border: 1px solid #E2E4E6;\"><div class=\"basic-box__inside\"><b>Tip: <\/b>Even if you don\u2019t need a cosigner to qualify for a private student loan, having one could get you a lower interest rate than you\u2019d get on your own.<\/div><\/div>\n<p>If you decide to take out a private student loan, be sure to consider as many lenders as you can to find a loan that fits your needs. Credible makes this easy \u2014 you can compare your prequalified rates from our partner lenders in the table below in two minutes.<\/p>\n\n<table id=\"tablepress-507\" class=\"tablepress tablepress-id-507 table table-border-top table-rounded table-no-img-margin table-capitalized-column-titles tbody-has-connected-cells\">\n<thead>\n<tr class=\"row-1\">\n\t<th class=\"column-1\"><strong>Lender<\/strong><\/th><th class=\"column-2\"><strong>Fixed rates from (APR)<\/strong><\/th><th class=\"column-3\"><strong>Variable rates from (APR)<\/strong><\/th><th class=\"column-4\"><strong>Loan terms (years)<\/strong><\/th><th class=\"column-5\"><strong>Loan amount<\/strong><\/th>\n<\/tr>\n<\/thead>\n<tbody class=\"row-hover\">\n<tr class=\"row-2\">\n\t<td class=\"column-1\"><center><br \/>\n<br \/>\n        <div class=\"tablepress-rating-shortcode\">\n            <div class=\"heading__container\">\n                <span class=\"heading\">\n                                            <a href=\"https:\/\/www.credible.com\/lenders\/ascent\/\">Credible Rating<\/a>\n                                    <\/span>\n                                    <div class=\"even\" data-toggle=\"tip\" data-placement=\"top left\">\n                        <img decoding=\"async\" class=\"icon-help\" alt=\"Question mark icon to show more information\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/icon-help-dark.svg\">\n                        <span class=\"tip\">\n                            <span class=\"tip-content\">Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. <a href=\"https:\/\/www.credible.com\/blog\/credible-rating-lender-methodology\/\">Read our full methodology.<\/a><\/span>\n                            <span class=\"tip-arrow\"><\/span>\n                        <\/span>\n                    <\/div>\n                            <\/div>\n            <div class=\"star-rating__container\" role=\"img\" aria-label=\"4 star rating\">\n                            <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                    <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                    <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                    <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                            <img decoding=\"async\" class=\"star-light\" alt=\"A three-quarter star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-three-quarter.svg\">\n                    <\/div>\n            <div class=\"details-link\">\n                <a href=\"#\" class=\"collapsed\" data-target=\"#ascent-psl\" data-toggle=\"collapse\" role=\"button\">View details<\/a>\n            <\/div>\n        <\/div>\n        <\/td><td class=\"column-2\">  <span>\n    2.69%+<sup>10<\/sup>\n  <\/span>\n<\/td><td class=\"column-3\">  <span>\n    3.68%+<sup>10<\/sup>\n  <\/span>\n<\/td><td class=\"column-4\">5, 7, 10, 12, 15, 20<br \/>\n<small>(depending on loan type)<\/small><\/td><td class=\"column-5\">$2,001* - $400,000<\/td>\n<\/tr>\n<tr class=\"row-3\">\n\t<td colspan=\"5\" 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\">$1,000 - $350,000<br \/>\n<small>(depending on degree)<\/small><\/td>\n<\/tr>\n<tr class=\"row-5\">\n\t<td colspan=\"5\" 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\">$1,000 up to 100% of school-certified cost of attendance<\/td>\n<\/tr>\n<tr class=\"row-7\">\n\t<td colspan=\"5\" class=\"column-1\">            <div id=\"college-ave-psl\" class=\"collapse tablepress-lender-details__container\">\n                <ul>\n                                                <li><span class=\"font-weight-bold\">Fixed APR:<\/span>\n                                  <span>\n    2.84%+<sup>2,3<\/sup>\n  <\/span>\n<\/li>\n                                                <li><span class=\"font-weight-bold\">Variable APR:<\/span>\n                                  <span>\n    3.89%+<sup>2,3<\/sup>\n  <\/span>\n<\/li>\n                                                <li><span class=\"font-weight-bold\">Min. credit score:<\/span>\n                                Does not disclose<\/li>\n                                                <li><span class=\"font-weight-bold\">Loan amount:<\/span>\n                                $1,000 up to cost of attendance<\/li>\n                                                <li><span class=\"font-weight-bold\">Loan terms (years):<\/span>\n                                5, 8, 10, 15, 20<\/li>\n                                                <li><span class=\"font-weight-bold\">Repayment options:<\/span>\n                                Full deferral, full monthly payment, fixed\/flat repayment, interest only, immediate repayment, academic deferment, forbearance, loans discharged upon death or disability<\/li>\n                                                <li><span class=\"font-weight-bold\">Fees:<\/span>\n                                Late fee<\/li>\n                                                <li><span class=\"font-weight-bold\">Discounts:<\/span>\n                                Autopay<\/li>\n                                                <li><span class=\"font-weight-bold\">Eligibility:<\/span>\n                                Must be a U.S. citizen or permanent resident and be making satisfactory academic progress.<\/li>\n                                                <li><span class=\"font-weight-bold\">Customer service:<\/span>\n                                Email, phone<\/li>\n                                                <li><span class=\"font-weight-bold\">Prequalified rates with a soft credit check:<\/span>\n                                Yes<\/li>\n                                                <li><span class=\"font-weight-bold\">Cosigner release:<\/span>\n                                After half of the scheduled repayment term has been completed<\/li>\n                                                <li><span class=\"font-weight-bold\">Loan servicer:<\/span>\n                                College Ave Servicing LLC\r\n<p><i><sup>Learn more about<a href=\"https:\/\/help.collegeavestudentloans.com\/hc\/en-us\/articles\/5560603133079-Can-a-cosigner-be-released-from-a-loan-\"> cosigner release requirements.<\/a> Requesting prequalified rates on Credible is free and doesn't affect your credit score. However, applying for or closing a loan will involve a hard credit pull that impacts your credit score and closing a loan will result in costs to you.<\/p><\/i><\/sup><\/li>\n                                    <\/ul>\n                            <\/div>\n        <\/td>\n<\/tr>\n<tr class=\"row-8\">\n\t<td class=\"column-1\"><center><br \/>\n<br \/>\n        <div class=\"tablepress-rating-shortcode\">\n            <div class=\"heading__container\">\n                <span class=\"heading\">\n                                            <a href=\"https:\/\/www.credible.com\/lenders\/custom-choice\/\">Credible Rating<\/a>\n                                    <\/span>\n                                    <div class=\"even\" data-toggle=\"tip\" data-placement=\"top left\">\n                        <img decoding=\"async\" class=\"icon-help\" alt=\"Question mark icon to show more information\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/icon-help-dark.svg\">\n                        <span class=\"tip\">\n                            <span class=\"tip-content\">Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. <a href=\"https:\/\/www.credible.com\/blog\/credible-rating-lender-methodology\/\">Read our full methodology.<\/a><\/span>\n                            <span class=\"tip-arrow\"><\/span>\n                        <\/span>\n                    <\/div>\n                            <\/div>\n            <div class=\"star-rating__container\" role=\"img\" aria-label=\"4 star rating\">\n                            <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                    <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                    <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                    <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                            <img decoding=\"async\" class=\"star-light\" alt=\"A half star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-half.svg\">\n                    <\/div>\n            <div class=\"details-link\">\n                <a href=\"#\" class=\"collapsed\" data-target=\"#custom-choice-psl\" data-toggle=\"collapse\" role=\"button\">View details<\/a>\n            <\/div>\n        <\/div>\n        <\/td><td class=\"column-2\">  <span>\n    3.35%+<sup><\/sup>\n  <\/span>\n<\/td><td class=\"column-3\">  <span>\n    3.5%+<sup><\/sup>\n  <\/span>\n<\/td><td class=\"column-4\">7, 10, 15<\/td><td class=\"column-5\">$1,000 to $99,999 annually <br \/>\n<small>($180,000 aggregate limit)<\/small><\/td>\n<\/tr>\n<tr class=\"row-9\">\n\t<td colspan=\"5\" class=\"column-1\">            <div id=\"custom-choice-psl\" class=\"collapse tablepress-lender-details__container\">\n                <ul>\n                                                <li><span class=\"font-weight-bold\">Fixed APR:<\/span>\n                                  <span>\n    3.35%+<sup><\/sup>\n  <\/span>\n<a href=\"https:\/\/www.credible.com\/a\/cogfin-disclosures\"><sup>11<\/sup><\/a><\/li>\n                                                <li><span class=\"font-weight-bold\">Variable APR:<\/span>\n                                  <span>\n    3.5%+<sup><\/sup>\n  <\/span>\n<a href=\"https:\/\/www.credible.com\/a\/cogfin-disclosures\"><sup>11<\/sup><\/a><\/li>\n                                                <li><span class=\"font-weight-bold\">Loan amount:<\/span>\n                                $1,000 to $99,999 annually\r\n<small>($180,000 aggregate limit)<a href=\"https:\/\/www.credible.com\/a\/cogfin-disclosures\"><sup>11<\/sup><\/a><\/small><\/li>\n                                                <li><span class=\"font-weight-bold\">Loan terms (years):<\/span>\n                                7, 10, 15<a href=\"https:\/\/www.credible.com\/a\/cogfin-disclosures\"><sup>11<\/sup><\/a><\/li>\n                                                <li><span class=\"font-weight-bold\">Repayment options:<\/span>\n                                Full deferral, immediate repayment, interest-only repayment, flat\/full repayment, academic deferment, military deferment, forbearance, loans discharged upon death or disability<\/li>\n                                                <li><span class=\"font-weight-bold\">Fees:<\/span>\n                                None<\/li>\n                                                <li><span class=\"font-weight-bold\">Discounts:<\/span>\n                                Autopay<a href=\"https:\/\/www.credible.com\/a\/cogfin-disclosures\"><sup>11<\/sup><\/a><\/li>\n                                                <li><span class=\"font-weight-bold\">Eligibility:<\/span>\n                                Available to borrowers in all 50 states. Must be a U.S. citizen or permanent resident.<\/li>\n                                                <li><span class=\"font-weight-bold\">Customer service:<\/span>\n                                Phone, email<\/li>\n                                                <li><span class=\"font-weight-bold\">Prequalified rates with a soft credit check:<\/span>\n                                Yes<\/li>\n                                                <li><span class=\"font-weight-bold\">Cosigner release:<\/span>\n                                After 36 months<a href=\"https:\/\/www.credible.com\/a\/cogfin-disclosures\"><sup>11<\/sup><\/a><\/li>\n                                                <li><span class=\"font-weight-bold\">Loan servicer:<\/span>\n                                American Education Services<\/li>\n                                                <li><span class=\"font-weight-bold\">Min. income:<\/span>\n                                $1<\/li>\n                                    <\/ul>\n                            <\/div>\n        <\/td>\n<\/tr>\n<tr class=\"row-10\">\n\t<td class=\"column-1\"><center><br \/>\n<br \/>\n        <div class=\"tablepress-rating-shortcode\">\n            <div class=\"heading__container\">\n                <span class=\"heading\">\n                                            <a href=\"https:\/\/www.credible.com\/lenders\/edvestinu\/#edvestinu-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=\"#edvestinu-psl\" data-toggle=\"collapse\" role=\"button\">View details<\/a>\n            <\/div>\n        <\/div>\n        <\/td><td class=\"column-2\">  <span>\n    6.0%+<sup>7<\/sup>\n  <\/span>\n<\/td><td class=\"column-3\">  <span>\n    7.34%+<sup>7<\/sup>\n  <\/span>\n<\/td><td class=\"column-4\">7, 10, 15<\/td><td class=\"column-5\">$1,000 - $200,000<\/td>\n<\/tr>\n<tr class=\"row-11\">\n\t<td colspan=\"5\" class=\"column-1\">            <div id=\"edvestinu-psl\" class=\"collapse tablepress-lender-details__container\">\n                <ul>\n                                                <li><span class=\"font-weight-bold\">Fixed APR:<\/span>\n                                  <span>\n    6.0%+<sup>7<\/sup>\n  <\/span>\n<\/li>\n                                                <li><span class=\"font-weight-bold\">Variable APR:<\/span>\n                                  <span>\n    7.34%+<sup>7<\/sup>\n  <\/span>\n<\/li>\n                                                <li><span class=\"font-weight-bold\">Min. credit score:<\/span>\n                                750<\/li>\n                                                <li><span class=\"font-weight-bold\">Loan amount:<\/span>\n                                $1,000 to $200,000<\/li>\n                                                <li><span class=\"font-weight-bold\">Loan terms (years):<\/span>\n                                7, 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, 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 have a minimum income of $30,000.<\/li>\n                                                <li><span class=\"font-weight-bold\">Customer service:<\/span>\n                                Email, phone<\/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 24 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-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\/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\">$1,001 up to 100% of school-certified cost of attendance<\/td>\n<\/tr>\n<tr class=\"row-13\">\n\t<td colspan=\"5\" 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-14\">\n\t<td class=\"column-1\"><center><br \/>\n<br \/>\n        <div class=\"tablepress-rating-shortcode\">\n            <div class=\"heading__container\">\n                <span class=\"heading\">\n                                            <a href=\"https:\/\/www.credible.com\/lenders\/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\">$1,500 or $2,000 up to school-certified cost of attendance<br \/>\n<small>(depending on school type and minus other aid received)<\/small><\/td>\n<\/tr>\n<tr class=\"row-15\">\n\t<td colspan=\"5\" 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-16\">\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<\/td><td class=\"column-5\">$1,000 up to 100% of school-certified cost of attendance<\/td>\n<\/tr>\n<tr class=\"row-17\">\n\t<td colspan=\"5\" 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-18\">\n\t<td colspan=\"5\" class=\"column-1\"><center><b>Compare rates without affecting<br> your credit score. 100% free!<\/b><br><br \/>\n<a class=\"btn btn-warning\" href=\"https:\/\/www.credible.com\/student-loans\/start\">Compare Now<\/a><\/center><br><\/td>\n<\/tr>\n<tr class=\"row-19\">\n\t<td colspan=\"5\" 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><em><strong>Read more:<\/strong> <a href=\"https:\/\/www.credible.com\/blog\/student-loans\/pros-and-cons-student-loans\/\">The Pros and Cons of Student Loans: Are They Worth It?<\/a><\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>The average cost of college ranges from $22,690 per year for in-state students at a public school and up to $51,690 per year for private colleges, according to the College Board. If you don\u2019t have&hellip; <a class=\"more \" href=\"https:\/\/www.credible.com\/blog\/student-loans\/pay-for-college-no-money\/\">Continue reading<\/a><\/p>\n","protected":false},"author":96,"featured_media":47059,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"om_disable_all_campaigns":false,"inline_featured_image":false,"footnotes":""},"categories":[2],"tags":[1464],"class_list":["post-47058","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-refinance-student-loans","tag-no-sidebar","how-to-pay-for-college-with-no-money-saved","post_tag-no-sidebar"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>How to Pay for College With No Money Saved | Credible<\/title>\n<meta name=\"description\" content=\"Paying for college isn\u2019t easy \u2014 especially if you have no savings for it. Here\u2019s how to pay for college with no money.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.credible.com\/blog\/student-loans\/pay-for-college-no-money\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"How to Pay for College With No Money Saved | Credible\" \/>\n<meta property=\"og:description\" content=\"Paying for college isn\u2019t easy \u2014 especially if you have no savings for it. Here\u2019s how to pay for college with no money.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.credible.com\/blog\/student-loans\/pay-for-college-no-money\/\" \/>\n<meta property=\"og:site_name\" content=\"Credible\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/crediblelabs\/\" \/>\n<meta property=\"article:published_time\" content=\"2021-01-12T17:21:13+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2022-10-26T18:39:42+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2021\/01\/Pay-for-college-with-no-money.png\" \/>\n\t<meta property=\"og:image:width\" content=\"1476\" \/>\n\t<meta property=\"og:image:height\" content=\"591\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"Eric Rosenberg\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@EricProfits\" \/>\n<meta name=\"twitter:site\" content=\"@credible\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Eric Rosenberg\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"9 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.credible.com\\\/blog\\\/student-loans\\\/pay-for-college-no-money\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.credible.com\\\/blog\\\/student-loans\\\/pay-for-college-no-money\\\/\"},\"author\":{\"name\":\"Eric Rosenberg\",\"@id\":\"https:\\\/\\\/www.credible.com\\\/blog\\\/#\\\/schema\\\/person\\\/0895f8905dc32cf64b90090176ad601a\"},\"headline\":\"How to Pay for College With No Money Saved\",\"datePublished\":\"2021-01-12T17:21:13+00:00\",\"dateModified\":\"2022-10-26T18:39:42+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.credible.com\\\/blog\\\/student-loans\\\/pay-for-college-no-money\\\/\"},\"wordCount\":2111,\"publisher\":{\"@id\":\"https:\\\/\\\/www.credible.com\\\/blog\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/www.credible.com\\\/blog\\\/student-loans\\\/pay-for-college-no-money\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.credible.com\\\/blog\\\/wp-content\\\/uploads\\\/2021\\\/01\\\/Pay-for-college-with-no-money.png\",\"keywords\":[\"no-sidebar\"],\"articleSection\":[\"Student Loan Refinancing\"],\"inLanguage\":\"en-US\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.credible.com\\\/blog\\\/student-loans\\\/pay-for-college-no-money\\\/\",\"url\":\"https:\\\/\\\/www.credible.com\\\/blog\\\/student-loans\\\/pay-for-college-no-money\\\/\",\"name\":\"How to Pay for College With No Money Saved | Credible\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.credible.com\\\/blog\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/www.credible.com\\\/blog\\\/student-loans\\\/pay-for-college-no-money\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/www.credible.com\\\/blog\\\/student-loans\\\/pay-for-college-no-money\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.credible.com\\\/blog\\\/wp-content\\\/uploads\\\/2021\\\/01\\\/Pay-for-college-with-no-money.png\",\"datePublished\":\"2021-01-12T17:21:13+00:00\",\"dateModified\":\"2022-10-26T18:39:42+00:00\",\"description\":\"Paying for college isn\u2019t easy \u2014 especially if you have no savings for it. Here\u2019s how to pay for college with no money.\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/www.credible.com\\\/blog\\\/student-loans\\\/pay-for-college-no-money\\\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/www.credible.com\\\/blog\\\/student-loans\\\/pay-for-college-no-money\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/www.credible.com\\\/blog\\\/student-loans\\\/pay-for-college-no-money\\\/#primaryimage\",\"url\":\"https:\\\/\\\/www.credible.com\\\/blog\\\/wp-content\\\/uploads\\\/2021\\\/01\\\/Pay-for-college-with-no-money.png\",\"contentUrl\":\"https:\\\/\\\/www.credible.com\\\/blog\\\/wp-content\\\/uploads\\\/2021\\\/01\\\/Pay-for-college-with-no-money.png\",\"width\":1476,\"height\":591,\"caption\":\"Pay for college with no money\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/www.credible.com\\\/blog\\\/student-loans\\\/pay-for-college-no-money\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/www.credible.com\\\/blog\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"How to Pay for College With No Money Saved\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/www.credible.com\\\/blog\\\/#website\",\"url\":\"https:\\\/\\\/www.credible.com\\\/blog\\\/\",\"name\":\"Credible\",\"description\":\"Getting borrowers connected to the right information for student loan refinancing, student loans, and personal loans.\",\"publisher\":{\"@id\":\"https:\\\/\\\/www.credible.com\\\/blog\\\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/www.credible.com\\\/blog\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/www.credible.com\\\/blog\\\/#organization\",\"name\":\"Credible\",\"url\":\"https:\\\/\\\/www.credible.com\\\/blog\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/www.credible.com\\\/blog\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/www.credible.com\\\/blog\\\/wp-content\\\/uploads\\\/2017\\\/01\\\/Picture1.png\",\"contentUrl\":\"https:\\\/\\\/www.credible.com\\\/blog\\\/wp-content\\\/uploads\\\/2017\\\/01\\\/Picture1.png\",\"width\":901,\"height\":196,\"caption\":\"Credible\"},\"image\":{\"@id\":\"https:\\\/\\\/www.credible.com\\\/blog\\\/#\\\/schema\\\/logo\\\/image\\\/\"},\"sameAs\":[\"https:\\\/\\\/www.facebook.com\\\/crediblelabs\\\/\",\"https:\\\/\\\/x.com\\\/credible\",\"https:\\\/\\\/www.instagram.com\\\/credible\\\/\",\"https:\\\/\\\/www.linkedin.com\\\/company\\\/crediblelabs\"]},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/www.credible.com\\\/blog\\\/#\\\/schema\\\/person\\\/0895f8905dc32cf64b90090176ad601a\",\"name\":\"Eric Rosenberg\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/www.credible.com\\\/blog\\\/wp-content\\\/uploads\\\/2019\\\/02\\\/c2e3dbd7207faf78a8670d8cab746862-150x150.png\",\"url\":\"https:\\\/\\\/www.credible.com\\\/blog\\\/wp-content\\\/uploads\\\/2019\\\/02\\\/c2e3dbd7207faf78a8670d8cab746862-150x150.png\",\"contentUrl\":\"https:\\\/\\\/www.credible.com\\\/blog\\\/wp-content\\\/uploads\\\/2019\\\/02\\\/c2e3dbd7207faf78a8670d8cab746862-150x150.png\",\"caption\":\"Eric Rosenberg\"},\"description\":\"Eric Rosenberg is an expert on personal finance. His work has been featured at Business Insider, Investopedia, The Balance, The Huffington Post, MSN Money, Yahoo Finance, Mint.com and more.\",\"sameAs\":[\"https:\\\/\\\/www.credible.com\\\/\",\"https:\\\/\\\/www.linkedin.com\\\/in\\\/ericrosenberg\\\/\",\"https:\\\/\\\/x.com\\\/EricProfits\"],\"url\":\"https:\\\/\\\/www.credible.com\\\/blog\\\/author\\\/eric-rosenberg\\\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"How to Pay for College With No Money Saved | Credible","description":"Paying for college isn\u2019t easy \u2014 especially if you have no savings for it. Here\u2019s how to pay for college with no money.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.credible.com\/blog\/student-loans\/pay-for-college-no-money\/","og_locale":"en_US","og_type":"article","og_title":"How to Pay for College With No Money Saved | Credible","og_description":"Paying for college isn\u2019t easy \u2014 especially if you have no savings for it. Here\u2019s how to pay for college with no money.","og_url":"https:\/\/www.credible.com\/blog\/student-loans\/pay-for-college-no-money\/","og_site_name":"Credible","article_publisher":"https:\/\/www.facebook.com\/crediblelabs\/","article_published_time":"2021-01-12T17:21:13+00:00","article_modified_time":"2022-10-26T18:39:42+00:00","og_image":[{"width":1476,"height":591,"url":"https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2021\/01\/Pay-for-college-with-no-money.png","type":"image\/png"}],"author":"Eric Rosenberg","twitter_card":"summary_large_image","twitter_creator":"@EricProfits","twitter_site":"@credible","twitter_misc":{"Written by":"Eric Rosenberg","Est. reading time":"9 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.credible.com\/blog\/student-loans\/pay-for-college-no-money\/#article","isPartOf":{"@id":"https:\/\/www.credible.com\/blog\/student-loans\/pay-for-college-no-money\/"},"author":{"name":"Eric Rosenberg","@id":"https:\/\/www.credible.com\/blog\/#\/schema\/person\/0895f8905dc32cf64b90090176ad601a"},"headline":"How to Pay for College With No Money Saved","datePublished":"2021-01-12T17:21:13+00:00","dateModified":"2022-10-26T18:39:42+00:00","mainEntityOfPage":{"@id":"https:\/\/www.credible.com\/blog\/student-loans\/pay-for-college-no-money\/"},"wordCount":2111,"publisher":{"@id":"https:\/\/www.credible.com\/blog\/#organization"},"image":{"@id":"https:\/\/www.credible.com\/blog\/student-loans\/pay-for-college-no-money\/#primaryimage"},"thumbnailUrl":"https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2021\/01\/Pay-for-college-with-no-money.png","keywords":["no-sidebar"],"articleSection":["Student Loan Refinancing"],"inLanguage":"en-US"},{"@type":"WebPage","@id":"https:\/\/www.credible.com\/blog\/student-loans\/pay-for-college-no-money\/","url":"https:\/\/www.credible.com\/blog\/student-loans\/pay-for-college-no-money\/","name":"How to Pay for College With No Money Saved | Credible","isPartOf":{"@id":"https:\/\/www.credible.com\/blog\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.credible.com\/blog\/student-loans\/pay-for-college-no-money\/#primaryimage"},"image":{"@id":"https:\/\/www.credible.com\/blog\/student-loans\/pay-for-college-no-money\/#primaryimage"},"thumbnailUrl":"https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2021\/01\/Pay-for-college-with-no-money.png","datePublished":"2021-01-12T17:21:13+00:00","dateModified":"2022-10-26T18:39:42+00:00","description":"Paying for college isn\u2019t easy \u2014 especially if you have no savings for it. Here\u2019s how to pay for college with no money.","breadcrumb":{"@id":"https:\/\/www.credible.com\/blog\/student-loans\/pay-for-college-no-money\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.credible.com\/blog\/student-loans\/pay-for-college-no-money\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.credible.com\/blog\/student-loans\/pay-for-college-no-money\/#primaryimage","url":"https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2021\/01\/Pay-for-college-with-no-money.png","contentUrl":"https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2021\/01\/Pay-for-college-with-no-money.png","width":1476,"height":591,"caption":"Pay for college with no money"},{"@type":"BreadcrumbList","@id":"https:\/\/www.credible.com\/blog\/student-loans\/pay-for-college-no-money\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.credible.com\/blog\/"},{"@type":"ListItem","position":2,"name":"How to Pay for College With No Money Saved"}]},{"@type":"WebSite","@id":"https:\/\/www.credible.com\/blog\/#website","url":"https:\/\/www.credible.com\/blog\/","name":"Credible","description":"Getting borrowers connected to the right information for student loan refinancing, student loans, and personal loans.","publisher":{"@id":"https:\/\/www.credible.com\/blog\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.credible.com\/blog\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/www.credible.com\/blog\/#organization","name":"Credible","url":"https:\/\/www.credible.com\/blog\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.credible.com\/blog\/#\/schema\/logo\/image\/","url":"https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2017\/01\/Picture1.png","contentUrl":"https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2017\/01\/Picture1.png","width":901,"height":196,"caption":"Credible"},"image":{"@id":"https:\/\/www.credible.com\/blog\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.facebook.com\/crediblelabs\/","https:\/\/x.com\/credible","https:\/\/www.instagram.com\/credible\/","https:\/\/www.linkedin.com\/company\/crediblelabs"]},{"@type":"Person","@id":"https:\/\/www.credible.com\/blog\/#\/schema\/person\/0895f8905dc32cf64b90090176ad601a","name":"Eric Rosenberg","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2019\/02\/c2e3dbd7207faf78a8670d8cab746862-150x150.png","url":"https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2019\/02\/c2e3dbd7207faf78a8670d8cab746862-150x150.png","contentUrl":"https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2019\/02\/c2e3dbd7207faf78a8670d8cab746862-150x150.png","caption":"Eric Rosenberg"},"description":"Eric Rosenberg is an expert on personal finance. His work has been featured at Business Insider, Investopedia, The Balance, The Huffington Post, MSN Money, Yahoo Finance, Mint.com and more.","sameAs":["https:\/\/www.credible.com\/","https:\/\/www.linkedin.com\/in\/ericrosenberg\/","https:\/\/x.com\/EricProfits"],"url":"https:\/\/www.credible.com\/blog\/author\/eric-rosenberg\/"}]}},"_links":{"self":[{"href":"https:\/\/www.credible.com\/blog\/wp-json\/wp\/v2\/posts\/47058","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.credible.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.credible.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.credible.com\/blog\/wp-json\/wp\/v2\/users\/96"}],"replies":[{"embeddable":true,"href":"https:\/\/www.credible.com\/blog\/wp-json\/wp\/v2\/comments?post=47058"}],"version-history":[{"count":24,"href":"https:\/\/www.credible.com\/blog\/wp-json\/wp\/v2\/posts\/47058\/revisions"}],"predecessor-version":[{"id":65151,"href":"https:\/\/www.credible.com\/blog\/wp-json\/wp\/v2\/posts\/47058\/revisions\/65151"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.credible.com\/blog\/wp-json\/wp\/v2\/media\/47059"}],"wp:attachment":[{"href":"https:\/\/www.credible.com\/blog\/wp-json\/wp\/v2\/media?parent=47058"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.credible.com\/blog\/wp-json\/wp\/v2\/categories?post=47058"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.credible.com\/blog\/wp-json\/wp\/v2\/tags?post=47058"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}