{"id":48213,"date":"2021-02-10T10:02:57","date_gmt":"2021-02-10T18:02:57","guid":{"rendered":"https:\/\/www.credible.com\/blog\/?p=48213"},"modified":"2023-06-14T11:03:32","modified_gmt":"2023-06-14T18:03:32","slug":"8-student-loans-for-part-time-learners","status":"publish","type":"post","link":"https:\/\/www.credible.com\/blog\/student-loans\/part-time-student-loans\/","title":{"rendered":"8 Student Loans for Part-time Learners"},"content":{"rendered":"<p>To qualify for student loans, you typically need to be enrolled at least half time at your school. This often means taking at least six credits per semester.<\/p>\n<p>So if you\u2019re a part-time student, you might still be eligible for part-time student loans depending on how many credits you\u2019ve signed up for and what type of loan you want to take out.<\/p>\n<p><b>Here\u2019s what you should know about part-time student loans: <\/b><\/p>\n<ul>\n<li><a href=\"#part-time-loans-consider\">8 part-time student loans to consider<\/a><\/li>\n<li><a href=\"#take-out-loans-as-student\">How to take out student loans as a part-time student<\/a><\/li>\n<li><a href=\"#federal-loans-part-time\">Federal student loans as a part-time student<\/a><\/li>\n<li><a href=\"#part-time-full-time-student\">What is the difference between a part-time and full-time student?<\/a><\/li>\n<li><a href=\"#loans-below-half-time\">What happens to your student loans if you drop below half-time?<\/a><\/li>\n<\/ul>\n<p><a name=\"part-time-loans-consider\"><\/a><\/p>\n<h2>8 part-time student loans to consider<\/h2>\n<p>If you\u2019re enrolled at least half time, you might be eligible for federal student loans or private <a href=\"https:\/\/www.credible.com\/student-loans\">student loans<\/a> \u2014 though keep in mind that you\u2019ll typically need to meet other qualifying criteria, too.<\/p>\n<p>Here are Credible\u2019s partner lenders that offer private student loans to part-time students:<\/p>\n\n<table id=\"tablepress-551\" class=\"tablepress tablepress-id-551 table table-border-top table-rounded table-no-img-margin table-capitalized-column-titles tbody-has-connected-cells\">\n<thead>\n<tr class=\"row-1\">\n\t<th class=\"column-1\"><strong>Lender<\/strong><\/th><th class=\"column-2\"><strong>Fixed rates from (APR)<\/strong><\/th><th class=\"column-3\"><strong>Variable rates from (APR)<\/strong><\/th><th class=\"column-4\"><strong>Loan amounts<\/strong><\/th><th class=\"column-5\"><strong>Loan terms (years)<\/strong><\/th><th class=\"column-6\"><strong>Cosigners allowed<\/strong><\/th>\n<\/tr>\n<\/thead>\n<tbody class=\"row-hover\">\n<tr class=\"row-2\">\n\t<td class=\"column-1\"><center><br \/>\n<br \/>\n        <div class=\"tablepress-rating-shortcode\">\n            <div class=\"heading__container\">\n                <span class=\"heading\">\n                                            <a href=\"https:\/\/www.credible.com\/lenders\/ascent\/\">Credible Rating<\/a>\n                                    <\/span>\n                                    <div class=\"even\" data-toggle=\"tip\" data-placement=\"top left\">\n                        <img decoding=\"async\" class=\"icon-help\" alt=\"Question mark icon to show more information\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/icon-help-dark.svg\">\n                        <span class=\"tip\">\n                            <span class=\"tip-content\">Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. <a href=\"https:\/\/www.credible.com\/blog\/credible-rating-lender-methodology\/\">Read our full methodology.<\/a><\/span>\n                            <span class=\"tip-arrow\"><\/span>\n                        <\/span>\n                    <\/div>\n                            <\/div>\n            <div class=\"star-rating__container\" role=\"img\" aria-label=\"4 star rating\">\n                            <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                    <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                    <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                    <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                            <img decoding=\"async\" class=\"star-light\" alt=\"A three-quarter star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-three-quarter.svg\">\n                    <\/div>\n            <div class=\"details-link\">\n                <a href=\"#\" class=\"collapsed\" data-target=\"#ascent-psl\" data-toggle=\"collapse\" role=\"button\">View details<\/a>\n            <\/div>\n        <\/div>\n        <\/td><td class=\"column-2\">  <span>\n    2.69%+<sup>10<\/sup>\n  <\/span>\n<\/td><td class=\"column-3\">  <span>\n    3.65%+<sup>10<\/sup>\n  <\/span>\n<\/td><td class=\"column-4\">$2,001* to $400,000<\/td><td class=\"column-5\">5, 7, 10, 12, 15, 20<br \/>\n<small>(depending on loan type)<\/small><\/td><td class=\"column-6\">Yes<\/td>\n<\/tr>\n<tr class=\"row-3\">\n\t<td colspan=\"6\" class=\"column-1\">            <div id=\"ascent-psl\" class=\"collapse tablepress-lender-details__container\">\n                <ul>\n                                                <li><span class=\"font-weight-bold\">Fixed APR:<\/span>\n                                  <span>\n    2.69%+<sup>10<\/sup>\n  <\/span>\n<\/li>\n                                                <li><span class=\"font-weight-bold\">Variable APR:<\/span>\n                                  <span>\n    3.65%+<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    4.98%+<sup><\/sup>\n  <\/span>\n<\/td><td class=\"column-4\">$1,000 to $350,000<br \/>\n<small>(depending on degree)<\/small><\/td><td class=\"column-5\">5, 10, 15<\/td><td class=\"column-6\">Yes<\/td>\n<\/tr>\n<tr class=\"row-5\">\n\t<td colspan=\"6\" class=\"column-1\">            <div id=\"citizens-bank-psl\" class=\"collapse tablepress-lender-details__container\">\n                <ul>\n                                                <li><span class=\"font-weight-bold\">Fixed APR:<\/span>\n                                  <span>\n    3.24%+<sup>1<\/sup>\n  <\/span>\n<\/li>\n                                                <li><span class=\"font-weight-bold\">Variable APR:<\/span>\n                                  <span>\n    4.98%+<sup><\/sup>\n  <\/span>\n<\/li>\n                                                <li><span class=\"font-weight-bold\">Min. credit score:<\/span>\n                                720<\/li>\n                                                <li><span class=\"font-weight-bold\">Loan amount:<\/span>\n                                $1,000 to $350,000<\/li>\n                                                <li><span class=\"font-weight-bold\">Loan terms (years):<\/span>\n                                5, 10, 15<\/li>\n                                                <li><span class=\"font-weight-bold\">Loan types:<\/span>\n                                Any private or federal student loan<\/li>\n                                                <li><span class=\"font-weight-bold\">Repayment options:<\/span>\n                                Full deferral, full monthly payment, interest only, immediate repayment, academic deferment, military deferment, forbearance, loans discharged upon death or disability<\/li>\n                                                <li><span class=\"font-weight-bold\">Fees:<\/span>\n                                Late fee<\/li>\n                                                <li><span class=\"font-weight-bold\">Discounts:<\/span>\n                                Autopay, loyalty<\/li>\n                                                <li><span class=\"font-weight-bold\">Eligibility:<\/span>\n                                Available in all 50 states (international students can apply with a creditworthy U.S. citizen or permanent resident cosigner)<\/li>\n                                                <li><span class=\"font-weight-bold\">Customer service:<\/span>\n                                Email, phone, chat<\/li>\n                                                <li><span class=\"font-weight-bold\">Soft credit check:<\/span>\n                                Yes<\/li>\n                                                <li><span class=\"font-weight-bold\">Cosigner release:<\/span>\n                                After 36 months<\/li>\n                                                <li><span class=\"font-weight-bold\">Loan servicer:<\/span>\n                                Firstmark Services<\/li>\n                                    <\/ul>\n                            <\/div>\n        <\/td>\n<\/tr>\n<tr class=\"row-6\">\n\t<td class=\"column-1\"><center><br \/>\n<br \/>\n        <div class=\"tablepress-rating-shortcode\">\n            <div class=\"heading__container\">\n                <span class=\"heading\">\n                                            <a href=\"https:\/\/www.credible.com\/lenders\/college-ave\/#college-ave-private-student-loans\">Credible Rating<\/a>\n                                    <\/span>\n                                    <div class=\"even\" data-toggle=\"tip\" data-placement=\"top left\">\n                        <img decoding=\"async\" class=\"icon-help\" alt=\"Question mark icon to show more information\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/icon-help-dark.svg\">\n                        <span class=\"tip\">\n                            <span class=\"tip-content\">Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. <a href=\"https:\/\/www.credible.com\/blog\/credible-rating-lender-methodology\/\">Read our full methodology.<\/a><\/span>\n                            <span class=\"tip-arrow\"><\/span>\n                        <\/span>\n                    <\/div>\n                            <\/div>\n            <div class=\"star-rating__container\" role=\"img\" aria-label=\"4 star rating\">\n                            <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                    <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                    <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                    <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                            <img decoding=\"async\" class=\"star-light\" alt=\"A three-quarter star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-three-quarter.svg\">\n                    <\/div>\n            <div class=\"details-link\">\n                <a href=\"#\" class=\"collapsed\" data-target=\"#college-ave-psl\" data-toggle=\"collapse\" role=\"button\">View details<\/a>\n            <\/div>\n        <\/div>\n        <\/td><td class=\"column-2\">  <span>\n    2.84%+<sup>2,3<\/sup>\n  <\/span>\n<br \/>\n<\/td><td class=\"column-3\">  <span>\n    3.89%+<sup>2,3<\/sup>\n  <\/span>\n<\/td><td class=\"column-4\">$1,000 up to 100% of the school-certified cost of attendance<\/td><td class=\"column-5\">5, 8, 10, 15, 20<\/td><td class=\"column-6\">Yes<\/td>\n<\/tr>\n<tr class=\"row-7\">\n\t<td colspan=\"6\" class=\"column-1\">            <div id=\"college-ave-psl\" class=\"collapse tablepress-lender-details__container\">\n                <ul>\n                                                <li><span class=\"font-weight-bold\">Fixed APR:<\/span>\n                                  <span>\n    2.84%+<sup>2,3<\/sup>\n  <\/span>\n<\/li>\n                                                <li><span class=\"font-weight-bold\">Variable APR:<\/span>\n                                  <span>\n    3.89%+<sup>2,3<\/sup>\n  <\/span>\n<\/li>\n                                                <li><span class=\"font-weight-bold\">Min. credit score:<\/span>\n                                Does not disclose<\/li>\n                                                <li><span class=\"font-weight-bold\">Loan amount:<\/span>\n                                $1,000 up to cost of attendance<\/li>\n                                                <li><span class=\"font-weight-bold\">Loan terms (years):<\/span>\n                                5, 8, 10, 15, 20<\/li>\n                                                <li><span class=\"font-weight-bold\">Repayment options:<\/span>\n                                Full deferral, full monthly payment, fixed\/flat repayment, interest only, immediate repayment, academic deferment, forbearance, loans discharged upon death or disability<\/li>\n                                                <li><span class=\"font-weight-bold\">Fees:<\/span>\n                                Late fee<\/li>\n                                                <li><span class=\"font-weight-bold\">Discounts:<\/span>\n                                Autopay<\/li>\n                                                <li><span class=\"font-weight-bold\">Eligibility:<\/span>\n                                Must be a U.S. citizen or permanent resident and be making satisfactory academic progress.<\/li>\n                                                <li><span class=\"font-weight-bold\">Customer service:<\/span>\n                                Email, phone<\/li>\n                                                <li><span class=\"font-weight-bold\">Prequalified rates with a soft credit check:<\/span>\n                                Yes<\/li>\n                                                <li><span class=\"font-weight-bold\">Cosigner release:<\/span>\n                                After half of the scheduled repayment term has been completed<\/li>\n                                                <li><span class=\"font-weight-bold\">Loan servicer:<\/span>\n                                College Ave Servicing LLC\r\n<p><i><sup>Learn more about<a href=\"https:\/\/help.collegeavestudentloans.com\/hc\/en-us\/articles\/5560603133079-Can-a-cosigner-be-released-from-a-loan-\"> cosigner release requirements.<\/a> Requesting prequalified rates on Credible is free and doesn't affect your credit score. However, applying for or closing a loan will involve a hard credit pull that impacts your credit score and closing a loan will result in costs to you.<\/p><\/i><\/sup><\/li>\n                                    <\/ul>\n                            <\/div>\n        <\/td>\n<\/tr>\n<tr class=\"row-8\">\n\t<td class=\"column-1\"><center><br \/>\n<br \/>\n        <div class=\"tablepress-rating-shortcode\">\n            <div class=\"heading__container\">\n                <span class=\"heading\">\n                                            <a href=\"https:\/\/www.credible.com\/lenders\/custom-choice\/\">Credible Rating<\/a>\n                                    <\/span>\n                                    <div class=\"even\" data-toggle=\"tip\" data-placement=\"top left\">\n                        <img decoding=\"async\" class=\"icon-help\" alt=\"Question mark icon to show more information\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/icon-help-dark.svg\">\n                        <span class=\"tip\">\n                            <span class=\"tip-content\">Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. <a href=\"https:\/\/www.credible.com\/blog\/credible-rating-lender-methodology\/\">Read our full methodology.<\/a><\/span>\n                            <span class=\"tip-arrow\"><\/span>\n                        <\/span>\n                    <\/div>\n                            <\/div>\n            <div class=\"star-rating__container\" role=\"img\" aria-label=\"4 star rating\">\n                            <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                    <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                    <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                    <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                            <img decoding=\"async\" class=\"star-light\" alt=\"A half star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-half.svg\">\n                    <\/div>\n            <div class=\"details-link\">\n                <a href=\"#\" class=\"collapsed\" data-target=\"#custom-choice-psl\" data-toggle=\"collapse\" role=\"button\">View details<\/a>\n            <\/div>\n        <\/div>\n        <\/td><td class=\"column-2\">  <span>\n    3.35%+<sup><\/sup>\n  <\/span>\n<\/td><td class=\"column-3\">  <span>\n    3.68%+<sup><\/sup>\n  <\/span>\n<\/td><td class=\"column-4\">$1,000 to $99,999 annually <br \/>\n<small>($180,000 aggregate limit)<\/small><\/td><td class=\"column-5\">7, 10, 15<\/td><td class=\"column-6\">Yes<\/td>\n<\/tr>\n<tr class=\"row-9\">\n\t<td colspan=\"6\" class=\"column-1\">            <div id=\"custom-choice-psl\" class=\"collapse tablepress-lender-details__container\">\n                <ul>\n                                                <li><span class=\"font-weight-bold\">Fixed APR:<\/span>\n                                  <span>\n    3.35%+<sup><\/sup>\n  <\/span>\n<a href=\"https:\/\/www.credible.com\/a\/cogfin-disclosures\"><sup>11<\/sup><\/a><\/li>\n                                                <li><span class=\"font-weight-bold\">Variable APR:<\/span>\n                                  <span>\n    3.68%+<sup><\/sup>\n  <\/span>\n<a href=\"https:\/\/www.credible.com\/a\/cogfin-disclosures\"><sup>11<\/sup><\/a><\/li>\n                                                <li><span class=\"font-weight-bold\">Loan amount:<\/span>\n                                $1,000 to $99,999 annually\r\n<small>($180,000 aggregate limit)<a href=\"https:\/\/www.credible.com\/a\/cogfin-disclosures\"><sup>11<\/sup><\/a><\/small><\/li>\n                                                <li><span class=\"font-weight-bold\">Loan terms (years):<\/span>\n                                7, 10, 15<a href=\"https:\/\/www.credible.com\/a\/cogfin-disclosures\"><sup>11<\/sup><\/a><\/li>\n                                                <li><span class=\"font-weight-bold\">Repayment options:<\/span>\n                                Full deferral, immediate repayment, interest-only repayment, flat\/full repayment, academic deferment, military deferment, forbearance, loans discharged upon death or disability<\/li>\n                                                <li><span class=\"font-weight-bold\">Fees:<\/span>\n                                None<\/li>\n                                                <li><span class=\"font-weight-bold\">Discounts:<\/span>\n                                Autopay<a href=\"https:\/\/www.credible.com\/a\/cogfin-disclosures\"><sup>11<\/sup><\/a><\/li>\n                                                <li><span class=\"font-weight-bold\">Eligibility:<\/span>\n                                Available to borrowers in all 50 states. Must be a U.S. citizen or permanent resident.<\/li>\n                                                <li><span class=\"font-weight-bold\">Customer service:<\/span>\n                                Phone, email<\/li>\n                                                <li><span class=\"font-weight-bold\">Prequalified rates with a soft credit check:<\/span>\n                                Yes<\/li>\n                                                <li><span class=\"font-weight-bold\">Cosigner release:<\/span>\n                                After 36 months<a href=\"https:\/\/www.credible.com\/a\/cogfin-disclosures\"><sup>11<\/sup><\/a><\/li>\n                                                <li><span class=\"font-weight-bold\">Loan servicer:<\/span>\n                                American Education Services<\/li>\n                                                <li><span class=\"font-weight-bold\">Min. income:<\/span>\n                                $1<\/li>\n                                    <\/ul>\n                            <\/div>\n        <\/td>\n<\/tr>\n<tr class=\"row-10\">\n\t<td class=\"column-1\"><center><br \/>\n<br \/>\n        <div class=\"tablepress-rating-shortcode\">\n            <div class=\"heading__container\">\n                <span class=\"heading\">\n                                            <a href=\"https:\/\/www.credible.com\/lenders\/invested\/#invested-private-student-loans\">Credible Rating<\/a>\n                                    <\/span>\n                                    <div class=\"even\" data-toggle=\"tip\" data-placement=\"top left\">\n                        <img decoding=\"async\" class=\"icon-help\" alt=\"Question mark icon to show more information\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/icon-help-dark.svg\">\n                        <span class=\"tip\">\n                            <span class=\"tip-content\">Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. <a href=\"https:\/\/www.credible.com\/blog\/credible-rating-lender-methodology\/\">Read our full methodology.<\/a><\/span>\n                            <span class=\"tip-arrow\"><\/span>\n                        <\/span>\n                    <\/div>\n                            <\/div>\n            <div class=\"star-rating__container\" role=\"img\" aria-label=\"4 star rating\">\n                            <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                    <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                    <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                    <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                            <img decoding=\"async\" class=\"star-light\" alt=\"A half star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-half.svg\">\n                    <\/div>\n            <div class=\"details-link\">\n                <a href=\"#\" class=\"collapsed\" data-target=\"#invested-psl\" data-toggle=\"collapse\" role=\"button\">View details<\/a>\n            <\/div>\n        <\/div>\n        <\/td><td class=\"column-2\">  <span>\n    4.5%+<sup>8<\/sup>\n  <\/span>\n<\/td><td class=\"column-3\">  <span>\n    6.08%+<sup>8<\/sup>\n  <\/span>\n<\/td><td class=\"column-4\">$1,001 up to 100% of school certified cost of attendance<\/td><td class=\"column-5\">5, 10, 15<\/td><td class=\"column-6\">Yes<\/td>\n<\/tr>\n<tr class=\"row-11\">\n\t<td colspan=\"6\" class=\"column-1\">            <div id=\"invested-psl\" class=\"collapse tablepress-lender-details__container\">\n                <ul>\n                                                <li><span class=\"font-weight-bold\">Fixed APR:<\/span>\n                                  <span>\n    4.5%+<sup>8<\/sup>\n  <\/span>\n<\/li>\n                                                <li><span class=\"font-weight-bold\">Variable APR:<\/span>\n                                  <span>\n    6.08%+<sup>8<\/sup>\n  <\/span>\n<\/li>\n                                                <li><span class=\"font-weight-bold\">Min. credit score:<\/span>\n                                670<\/li>\n                                                <li><span class=\"font-weight-bold\">Loan amount:<\/span>\n                                $1,001 up to cost of attendance<\/li>\n                                                <li><span class=\"font-weight-bold\">Loan terms (years):<\/span>\n                                5, 10, 15<\/li>\n                                                <li><span class=\"font-weight-bold\">Repayment options:<\/span>\n                                Full deferral, full monthly payment, interest only, immediate repayment, academic deferment, forbearance<\/li>\n                                                <li><span class=\"font-weight-bold\">Fees:<\/span>\n                                Late fee<\/li>\n                                                <li><span class=\"font-weight-bold\">Discounts:<\/span>\n                                Autopay, reward for on-time graduation<\/li>\n                                                <li><span class=\"font-weight-bold\">Eligibility:<\/span>\n                                Must be an Indiana resident or a U.S. citizen attending an eligible Indiana school<\/li>\n                                                <li><span class=\"font-weight-bold\">Customer service:<\/span>\n                                Email, phone, chat<\/li>\n                                                <li><span class=\"font-weight-bold\">Prequalified rates with a soft credit check:<\/span>\n                                Yes<\/li>\n                                                <li><span class=\"font-weight-bold\">Cosigner release:<\/span>\n                                After 12 months<\/li>\n                                                <li><span class=\"font-weight-bold\">Loan servicer:<\/span>\n                                American Education Services<\/li>\n                                    <\/ul>\n                            <\/div>\n        <\/td>\n<\/tr>\n<tr class=\"row-12\">\n\t<td class=\"column-1\"><center><br \/>\n<br \/>\n        <div class=\"tablepress-rating-shortcode\">\n            <div class=\"heading__container\">\n                <span class=\"heading\">\n                                            <a href=\"https:\/\/www.credible.com\/lenders\/mefa\/#mefa-private-student-loans\">Credible Rating<\/a>\n                                    <\/span>\n                                    <div class=\"even\" data-toggle=\"tip\" data-placement=\"top left\">\n                        <img decoding=\"async\" class=\"icon-help\" alt=\"Question mark icon to show more information\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/icon-help-dark.svg\">\n                        <span class=\"tip\">\n                            <span class=\"tip-content\">Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. <a href=\"https:\/\/www.credible.com\/blog\/credible-rating-lender-methodology\/\">Read our full methodology.<\/a><\/span>\n                            <span class=\"tip-arrow\"><\/span>\n                        <\/span>\n                    <\/div>\n                            <\/div>\n            <div class=\"star-rating__container\" role=\"img\" aria-label=\"4 star rating\">\n                            <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                    <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                    <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                    <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                            <img decoding=\"async\" class=\"star-light\" alt=\"A half star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-half.svg\">\n                    <\/div>\n            <div class=\"details-link\">\n                <a href=\"#\" class=\"collapsed\" data-target=\"#mefa-psl\" data-toggle=\"collapse\" role=\"button\">View details<\/a>\n            <\/div>\n        <\/div>\n        <\/td><td class=\"column-2\">  <span>\n    3.29%+<sup><\/sup>\n  <\/span>\n<\/td><td class=\"column-3\">N\/A<\/td><td class=\"column-4\">$1,500 or $2,000 up to school\u2019s certified cost of attendance <br \/>\n<small>(depending on school type and minus other aid received)<\/small><\/td><td class=\"column-5\">10, 15<\/td><td class=\"column-6\">Yes<\/td>\n<\/tr>\n<tr class=\"row-13\">\n\t<td colspan=\"6\" class=\"column-1\">            <div id=\"mefa-psl\" class=\"collapse tablepress-lender-details__container\">\n                <ul>\n                                                <li><span class=\"font-weight-bold\">Fixed APR:<\/span>\n                                  <span>\n    3.29%+<sup><\/sup>\n  <\/span>\n<\/li>\n                                                <li><span class=\"font-weight-bold\">Variable APR:<\/span>\n                                N\/A<\/li>\n                                                <li><span class=\"font-weight-bold\">Min. credit score:<\/span>\n                                670<\/li>\n                                                <li><span class=\"font-weight-bold\">Loan amount:<\/span>\n                                $1,500 up to cost of attendance less aid<\/li>\n                                                <li><span class=\"font-weight-bold\">Loan terms (years):<\/span>\n                                10, 15<\/li>\n                                                <li><span class=\"font-weight-bold\">Repayment options:<\/span>\n                                Full deferral, interest only, immediate repayment, academic deferral, forbearance<\/li>\n                                                <li><span class=\"font-weight-bold\">Fees:<\/span>\n                                None<\/li>\n                                                <li><span class=\"font-weight-bold\">Discounts:<\/span>\n                                None<\/li>\n                                                <li><span class=\"font-weight-bold\">Eligibility:<\/span>\n                                Must be a U.S. citizen or permanent resident and be making satisfactory academic progress.<\/li>\n                                                <li><span class=\"font-weight-bold\">Customer service:<\/span>\n                                Email, phone<\/li>\n                                                <li><span class=\"font-weight-bold\">Prequalified rates with a soft credit check:<\/span>\n                                Yes<\/li>\n                                                <li><span class=\"font-weight-bold\">Cosigner release:<\/span>\n                                After 48 months<\/li>\n                                                <li><span class=\"font-weight-bold\">Loan servicer:<\/span>\n                                American Education Services (AES)<\/li>\n                                    <\/ul>\n                            <\/div>\n        <\/td>\n<\/tr>\n<tr class=\"row-14\">\n\t<td class=\"column-1\"><center><br \/>\n<br \/>\n        <div class=\"tablepress-rating-shortcode\">\n            <div class=\"heading__container\">\n                <span class=\"heading\">\n                                            <a href=\"https:\/\/www.credible.com\/lenders\/sallie-mae\/\">Credible Rating<\/a>\n                                    <\/span>\n                                    <div class=\"even\" data-toggle=\"tip\" data-placement=\"top left\">\n                        <img decoding=\"async\" class=\"icon-help\" alt=\"Question mark icon to show more information\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/icon-help-dark.svg\">\n                        <span class=\"tip\">\n                            <span class=\"tip-content\">Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. <a href=\"https:\/\/www.credible.com\/blog\/credible-rating-lender-methodology\/\">Read our full methodology.<\/a><\/span>\n                            <span class=\"tip-arrow\"><\/span>\n                        <\/span>\n                    <\/div>\n                            <\/div>\n            <div class=\"star-rating__container\" role=\"img\" aria-label=\"4 star rating\">\n                            <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                    <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                    <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                    <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                            <img decoding=\"async\" class=\"star-light\" alt=\"A one-quarter star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-quarter.svg\">\n                        <\/div>\n            <div class=\"details-link\">\n                <a href=\"#\" class=\"collapsed\" data-target=\"#sallie-mae-psl\" data-toggle=\"collapse\" role=\"button\">View details<\/a>\n            <\/div>\n        <\/div>\n        <\/td><td class=\"column-2\"><span style=\"font-weight: 400;\">  <span>\n    2.890%<sup>9<\/sup>\n  <\/span>\n -   <span>\n    17.49%<sup>9<\/sup>\n  <\/span>\n<\/span><\/td><td class=\"column-3\"><span style=\"font-weight: 400;\">  <span>\n    3.75%<sup>9<\/sup>\n  <\/span>\n -   <span>\n    16.370%<sup>9<\/sup>\n  <\/span>\n<\/span><\/td><td class=\"column-4\">$1,000 up to 100% of school-certified cost of attendance<\/td><td class=\"column-5\">10 to 20<\/td><td class=\"column-6\">Yes<\/td>\n<\/tr>\n<tr class=\"row-15\">\n\t<td colspan=\"6\" class=\"column-1\">            <div id=\"sallie-mae-psl\" class=\"collapse tablepress-lender-details__container\">\n                <ul>\n                                                <li><span class=\"font-weight-bold\">Fixed APR:<\/span>\n                                <span style=\"font-weight: 400;\">  <span>\n    2.890%<sup>9<\/sup>\n  <\/span>\n -   <span>\n    17.49%<sup>9<\/sup>\n  <\/span>\n<\/span><\/li>\n                                                <li><span class=\"font-weight-bold\">Variable APR:<\/span>\n                                <span style=\"font-weight: 400;\">  <span>\n    3.75%<sup>9<\/sup>\n  <\/span>\n -   <span>\n    16.370%<sup>9<\/sup>\n  <\/span>\n<\/span><\/li>\n                                                <li><span class=\"font-weight-bold\">Min. credit score:<\/span>\n                                Does not disclose<\/li>\n                                                <li><span class=\"font-weight-bold\">Loan amount:<\/span>\n                                $1,000 up to 100% of school-certified cost of attendance<\/li>\n                                                <li><span class=\"font-weight-bold\">Loan terms (years):<\/span>\n                                10 to 20<sup>9<\/sup><\/li>\n                                                <li><span class=\"font-weight-bold\">Repayment options:<\/span>\n                                Full deferral, fixed\/flat repayment, interest only, academic deferment, forbearance, loans discharged upon death or disability<\/li>\n                                                <li><span class=\"font-weight-bold\">Fees:<\/span>\n                                Late fee, non-sufficient funds (NSF) fee<\/li>\n                                                <li><span class=\"font-weight-bold\">Discounts:<\/span>\n                                Autopay<\/li>\n                                                <li><span class=\"font-weight-bold\">Eligibility:<\/span>\n                                Must be a U.S. citizen or permanent resident. Also available to non-U.S. citizen students (including DACA students) attending a school located in the U.S. who apply with a qualifying cosigner.<\/li>\n                                                <li><span class=\"font-weight-bold\">Customer service:<\/span>\n                                Phone, chat<\/li>\n                                                <li><span class=\"font-weight-bold\">Prequalified rates with a soft credit check:<\/span>\n                                Yes<\/li>\n                                                <li><span class=\"font-weight-bold\">Cosigner release:<\/span>\n                                Borrowers can apply after graduation, 12 consecutive on-time principal and interest payments, and meeting certain credit requirements.<\/li>\n                                                <li><span class=\"font-weight-bold\">Loan servicer:<\/span>\n                                Sallie Mae<\/li>\n                                    <\/ul>\n                            <\/div>\n        <\/td>\n<\/tr>\n<tr class=\"row-16\">\n\t<td colspan=\"6\" class=\"column-1\"><center><b>Compare rates without affecting<br> your credit score. 100% free!<\/b><br><br \/>\n<a class=\"btn btn-warning\" href=\"https:\/\/www.credible.com\/student-loans\/start\">Compare Now<\/a><\/center><br><\/td>\n<\/tr>\n<tr class=\"row-17\">\n\t<td colspan=\"6\" class=\"column-1\"><p style=\"text-align: center;\"><small>Lowest APRs reflect autopay, loyalty, and interest-only repayment discounts where available | <a href=\"https:\/\/www.credible.com\/blog\/credible-rating-lender-methodology\/\">Read our full methodology<\/a> | <sup>10<\/sup><a href=\"https:\/\/www.credible.com\/a\/ascent-student-loan-disclosure\/\" target=\"_blank\" rel=\"noopener noreferrer\">Ascent Disclosures<\/a> | <sup>1<\/sup><a href=\"https:\/\/www.citizensbank.com\/student-lending\/DisclosureHub.aspx#rate-lowest\" target=\"_blank\" rel=\"noopener noreferrer\">Citizens Disclosures <\/a> | <sup>2,3<\/sup><a href=\"https:\/\/www.credible.com\/a\/college-ave-disclosures\/\" target=\"_blank\" rel=\"noopener noreferrer\">College Ave Disclosures<\/a> | <sup>11<\/sup><a href=\"https:\/\/www.credible.com\/a\/cogfin-disclosures\" target=\"_blank\" rel=\"noopener noreferrer\">Custom Choice Disclosures<\/a> | <sup>7<\/sup><a href=\"https:\/\/www.credible.com\/a\/edvestinu-apr-details-inschool\" target=\"_blank\" rel=\"noopener noreferrer\">EDvestinU Disclosures<\/a> | <sup>8<\/sup><a href=\"https:\/\/www.credible.com\/a\/invested-disclosures\" target=\"_blank\" rel=\"noopener noreferrer\">INvestEd Disclosures<\/a> | <sup>9<\/sup><a href=\"https:\/\/www.credible.com\/a\/sallie-mae-homepage-disclosures\/\" target=\"_blank\" rel=\"noopener noreferrer\">Sallie Mae Disclosures<\/a><\/small><\/p><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n\n<h3>Ascent<\/h3>\n<p><a href=\"https:\/\/www.credible.com\/lenders\/ascent\/\">Ascent<\/a> offers part-time student loans only for its credit-based loans. If you\u2019re enrolled at least half time and have either good credit or a creditworthy cosigner, you might be able to borrow $2,001* to $400,000 with Ascent.<\/p>\n<h3>Citizens<\/h3>\n<p><a href=\"https:\/\/www.credible.com\/lenders\/citizens-bank\/#citizens-bank-private-student-loans-review\">Citizens<\/a> offers student loans from $10,000 to $50,000, depending on the degree and loan type.<\/p>\n<p>You could also qualify for a 0.25% loyalty rate discount if you already have an account with Citizens \u2014 and could get another 0.25% off your rate if you sign up for autopay.<\/p>\n<h3>College Ave<\/h3>\n<p><a href=\"https:\/\/www.credible.com\/lenders\/college-ave\/#college-ave-private-student-loans\">College Ave<\/a> is one of the few private lenders that will work with borrowers who are enrolled at less-than-half-time status. It also has a low minimum borrowing requirement of $1,000, which means you can likely borrow only what you need to cover one or two classes.<\/p>\n<h3>Custom Choice<\/h3>\n<p>The <a href=\"https:\/\/www.credible.com\/lenders\/custom-choice\/\">Custom Choice<\/a> Loan is available from $1,000 to $99,999 annually ($180,000 aggregate limit) with a three- or five-year term. You can use funds to cover past due balances.<\/p>\n<p>Plus, if you graduate with at least a bachelor\u2019s degree, you could get a 2% principal reduction on your loan.<\/p>\n<h3>EdvestinU<\/h3>\n<p>You\u2019ll typically need very good to excellent credit (or a cosigner with this type of credit) to qualify for a student loan from <a href=\"https:\/\/www.credible.com\/lenders\/edvestinu\/#edvestinu-private-student-loans-review\">EdvestinU<\/a>.<\/p>\n<p>If you\u2019re enrolled at least half time and meet EdvestinU\u2019s other requirements, you might be able to borrow $1,000 up to your school\u2019s cost of attendance. Plus, you could get 0.25% off your rate if you sign up for autopay.<\/p>\n<h3>INvestED<\/h3>\n<p><a href=\"https:\/\/www.credible.com\/lenders\/invested\/#invested-private-student-loans\">INvestED<\/a> loans are available only to students enrolled at least half time who are living or going to college in Indiana.<\/p>\n<p>There are mo application, origination, or disbursement fees if you take out a student loan with INvestEd \u2014 but there is a 0.25% rate discount if you sign up for automatic payments.<\/p>\n<h3>MEFA<\/h3>\n<p><a href=\"https:\/\/www.credible.com\/lenders\/mefa\/#mefa-private-student-loans\">MEFA<\/a> could be a good choice if you\u2019re partway through your degree or plan to start attending school full time later on. This is because MEFA allows borrowers to defer their loans for up to five years while they\u2019re still in school.<\/p>\n<h3>Sallie Mae<\/h3>\n<p><a href=\"https:\/\/www.credible.com\/lenders\/sallie-mae\/\">Sallie Mae<\/a> is another lender that allows borrowers to be enrolled less than half time.<\/p>\n<p>However, keep in mind that you\u2019ll need to be enrolled at least half time if you want to use a Sallie Mae loan to cover personal expenses on top of school tuition and fees. With Sallie Mae, you can borrow $1,000 up to 100% of school-certified cost of attendance.<\/p>\n<p><b><i>Learn More: <\/i><\/b><a href=\"https:\/\/www.credible.com\/blog\/student-loans\/online-college-student-loans\/\"><b><i>How to Get a Student Loan for Online College<\/i><\/b><\/a><br \/>\n<a name=\"take-out-loans-as-student\"><\/a><\/p>\n<h2>How to take out student loans as a part-time student<\/h2>\n<p>If you decide to <a href=\"https:\/\/www.credible.com\/blog\/student-loans\/how-to-take-out-a-student-loan\/\">take out student loans<\/a> as a part-time student, follow these four steps:<\/p>\n<ol>\n<li><b>Fill out the FAFSA.<\/b> To apply for federal student loans and other federal aid, you\u2019ll need to complete the<a href=\"https:\/\/www.credible.com\/blog\/student-loans\/applying-for-fafsa\/\">Free Application For Federal Student Aid (FAFSA)<\/a>. How much you qualify for in federal student loans will depend on your financial information, enrollment status, dependency status, and what year you are in school.<\/li>\n<li><b>Take any scholarships or grants first.<\/b> You might qualify for school-specific <a href=\"https:\/\/www.credible.com\/blog\/student-loans\/college-scholarships\/\">college scholarships<\/a> or <a href=\"https:\/\/www.credible.com\/blog\/student-loans\/college-grants\/\">grants<\/a> through the FAFSA. Unlike student loans, you won\u2019t have to worry about repaying these types of financial aid. You can also find scholarships and grants elsewhere \u2014 such as through local or national businesses or nonprofit organizations.<\/li>\n<li><b>Opt for federal loans next.<\/b> If you still need to borrow money to cover your school expenses, federal student loans are usually a good place to start. This is because federal student loans come with federal benefits and protections, including access to income-driven repayment plans and student loan forgiveness programs. Your school will let you know what federal student loans you\u2019re eligible for after you submit the FAFSA.<\/li>\n<li><b>Use private loans to fill the gaps.<\/b> If you\u2019ve exhausted your scholarship, grant, and federal student loan options, private student loans could help fill any financial gaps left over. A private student loan is also likely your only student loan option if you\u2019re enrolled less than half time.<\/li>\n<\/ol>\n<div class=\"basic-box\" style=\"border: 1px solid #E2E4E6;\"><div class=\"basic-box__inside\"><b>Tip: <\/b>You\u2019ll generally need good to excellent credit to qualify for a private student loan. Some lenders offer private <a href=\"https:\/\/www.credible.com\/blog\/student-loans\/bad-credit\/\">student loans for bad credit<\/a>, but these loans generally come with higher interest rates compared to the rates offered to borrowers with good credit.<\/p>\n<p>If you\u2019re struggling to get approved, another option is to apply with a <a href=\"https:\/\/www.credible.com\/blog\/student-loans\/cosigner-explained\/\">cosigner<\/a>. Even if you don\u2019t need a cosigner to qualify, having one could get you a lower interest rate than you\u2019d get on your own.<\/div><\/div>\n<p>No matter if you take out federal or private student loans, be sure to consider how much the loans will cost you over time. This way, you can plan 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 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<b><i>Check Out: <\/i><\/b><\/p>\n<ul>\n<li><em><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><\/strong><\/em><\/li>\n<li><a href=\"https:\/\/www.credible.com\/blog\/student-loans\/graduate-student-loans\/\"><b><i>Graduate Student Loans<\/i><\/b><\/a><br \/>\n<a name=\"federal-loans-part-time\"><\/a><\/li>\n<\/ul>\n<h2>Federal student loans as a part-time student<\/h2>\n<p>If you\u2019re attending school on at least a half-time basis, you might be eligible for <a href=\"https:\/\/www.credible.com\/blog\/student-loans\/federal-student-loans-guide\/\">federal student loans<\/a>.<\/p>\n<p>This generally means signing up for at least six credits per semester, though your school might have its own definition of half time.<\/p>\n<p>Your school will use your enrollment status to calculate your cost of attendance, which helps determine how much you might be able to borrow in federal loans.<\/p>\n<div class=\"basic-box\" style=\"border: 1px solid #E2E4E6;\"><div class=\"basic-box__inside\"><b>Tip: <\/b>Even if you\u2019re only a part-time student, federal student loans could help you cover the cost of <a href=\"https:\/\/www.credible.com\/blog\/student-loans\/community-college-student-loans\/\">community college<\/a> courses, <a href=\"https:\/\/www.credible.com\/blog\/student-loans\/pay-for-grad-school\/\">pay for grad school<\/a>, and more.<\/p>\n<p>Just keep in mind that if you drop below half-time status, you\u2019ll no longer be eligible for federal student loans.<\/div><\/div>\n<p><b><i>Learn More: <\/i><\/b><a href=\"https:\/\/www.credible.com\/blog\/student-loans\/summer-school-student-loans\/\"><b><i>Summer Financial Aid and Student Loans for Summer School<\/i><\/b><\/a><br \/>\n<a name=\"part-time-full-time-student\"><\/a><\/p>\n<h2>What is the difference between a part-time and full-time student?<\/h2>\n<p>Whether you\u2019re a part-time or full-time student generally depends on how many credits you\u2019ve signed up for. Here\u2019s how students are usually classified:<\/p>\n<ul>\n<li><b>Full-time students:<\/b>Typically means you\u2019ve signed up for at least 12 credit hours<\/li>\n<li><b>Half-time students:<\/b> Typically means you\u2019ve signed up for at least six credit hours<\/li>\n<li><b>Less-than-half-time students:<\/b> Usually means you\u2019ve signed up for five or fewer credit hours<\/li>\n<\/ul>\n<div class=\"basic-box\" style=\"border: 1px solid #E2E4E6;\"><div class=\"basic-box__inside\"><b>Keep in mind:<\/b> In most cases, full-time and half-time students might qualify for both federal and private student loans.<\/p>\n<p>Less-than-half-time students generally have fewer student loan options in comparison, as they aren\u2019t eligible for federal student loans and most private student loans.<\/div><\/div>\n<p>While being a part-time student might limit your student loan or financial aid options, it also comes with its own benefits. For example:<\/p>\n<ul>\n<li>You\u2019ll likely have more time for family, which can be important for <a href=\"https:\/\/www.credible.com\/blog\/student-loans\/adult-student-loans\/\">adult learners<\/a>.<\/li>\n<li>You might have more time for a part-time or even full-time job.<\/li>\n<li>You won\u2019t need as much money to pay for school.<\/li>\n<li>A part-time course load can be more sustainable for your physical and mental well-being, especially if schoolwork isn\u2019t your forte.<\/li>\n<\/ul>\n<p><b><i>Check Out: <\/i><\/b><a href=\"https:\/\/www.credible.com\/blog\/student-loans\/no-credit-check-student-loans\/\"><b><i>How to Get a Student Loan With No Credit Check<\/i><\/b><\/a><\/p>\n<div id=\"loan-score-tool\">\n  Loading widget - loan-score-tool\n<\/div>\n\n<h2>What happens to your student loans if you drop below half-time?<\/h2>\n<p>For most federal and private student loans, dropping below half-time status generally means you\u2019ll have to begin repaying your loans.<\/p>\n<p>Before you drop any classes, make sure to double-check how it will affect your enrollment status and whether you\u2019ll need to start making student loan payments.<\/p>\n<div class=\"basic-box\" style=\"border: 1px solid #E2E4E6;\"><div class=\"basic-box__inside\"><b>Tip: <\/b>If your student loans have a grace period (typically six months), you\u2019ll have that much time before you must start making payments if you drop below half time.<\/p>\n<p>Also keep in mind that some student loans don\u2019t offer a grace period, which means you might have to start making payments right away.<\/p>\n<p>Make sure to check with your school to see what counts as half-time status. Then contact your servicer or lender so you know when to begin repayment.<\/div><\/div>\n<p>If you decide to take out private student loans to pay for school as a part-time student, 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 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>\n<li style=\"list-style-type: none;\">\n<ul>\n<li style=\"list-style-type: none;\">\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<\/li>\n<\/ul>\n<\/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>Keep Reading: <\/i><\/b><a href=\"https:\/\/www.credible.com\/blog\/student-loans\/low-interest-student-loans\/\"><b><i>Low-Interest Student Loans<\/i><\/b><\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>To qualify for student loans, you typically need to be enrolled at least half time at your school. This often means taking at least six credits per semester. So if you\u2019re a part-time student, you&hellip; <a class=\"more \" href=\"https:\/\/www.credible.com\/blog\/student-loans\/part-time-student-loans\/\">Continue reading<\/a><\/p>\n","protected":false},"author":110,"featured_media":48214,"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-48213","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-refinance-student-loans","tag-no-sidebar","8-student-loans-for-part-time-learners","post_tag-no-sidebar"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>8 Student Loans for Part-time Learners for May 2026 - Credible<\/title>\n<meta name=\"description\" content=\"While part-time student loans are available, you\u2019ll typically need to be enrolled at least half time to potentially qualify. Learn more here.\" \/>\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\/part-time-student-loans\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"8 Student Loans for Part-time Learners for May 2026 - Credible\" \/>\n<meta property=\"og:description\" content=\"While part-time student loans are available, you\u2019ll typically need to be enrolled at least half time to potentially qualify. Learn more here.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.credible.com\/blog\/student-loans\/part-time-student-loans\/\" \/>\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=\"2021-02-10T18:02:57+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2023-06-14T18:03:32+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2021\/02\/Part-time-student-loans.png\" \/>\n\t<meta property=\"og:image:width\" content=\"1416\" \/>\n\t<meta property=\"og:image:height\" content=\"566\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"Lindsay VanSomeren\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@FiSciLindsay\" \/>\n<meta name=\"twitter:site\" content=\"@credible\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Lindsay VanSomeren\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"8 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\\\/part-time-student-loans\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.credible.com\\\/blog\\\/student-loans\\\/part-time-student-loans\\\/\"},\"author\":{\"name\":\"Lindsay VanSomeren\",\"@id\":\"https:\\\/\\\/www.credible.com\\\/blog\\\/#\\\/schema\\\/person\\\/958c3d22979d68a4b1aa81b0ca2e8f90\"},\"headline\":\"8 Student Loans for Part-time Learners\",\"datePublished\":\"2021-02-10T18:02:57+00:00\",\"dateModified\":\"2023-06-14T18:03:32+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.credible.com\\\/blog\\\/student-loans\\\/part-time-student-loans\\\/\"},\"wordCount\":1654,\"publisher\":{\"@id\":\"https:\\\/\\\/www.credible.com\\\/blog\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/www.credible.com\\\/blog\\\/student-loans\\\/part-time-student-loans\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.credible.com\\\/blog\\\/wp-content\\\/uploads\\\/2021\\\/02\\\/Part-time-student-loans.png\",\"keywords\":[\"no-sidebar\"],\"articleSection\":[\"Student Loan Refinancing\"],\"inLanguage\":\"en-US\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.credible.com\\\/blog\\\/student-loans\\\/part-time-student-loans\\\/\",\"url\":\"https:\\\/\\\/www.credible.com\\\/blog\\\/student-loans\\\/part-time-student-loans\\\/\",\"name\":\"8 Student Loans for Part-time Learners for May 2026 - Credible\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.credible.com\\\/blog\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/www.credible.com\\\/blog\\\/student-loans\\\/part-time-student-loans\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/www.credible.com\\\/blog\\\/student-loans\\\/part-time-student-loans\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.credible.com\\\/blog\\\/wp-content\\\/uploads\\\/2021\\\/02\\\/Part-time-student-loans.png\",\"datePublished\":\"2021-02-10T18:02:57+00:00\",\"dateModified\":\"2023-06-14T18:03:32+00:00\",\"description\":\"While part-time student loans are available, you\u2019ll typically need to be enrolled at least half time to potentially qualify. Learn more here.\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/www.credible.com\\\/blog\\\/student-loans\\\/part-time-student-loans\\\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/www.credible.com\\\/blog\\\/student-loans\\\/part-time-student-loans\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/www.credible.com\\\/blog\\\/student-loans\\\/part-time-student-loans\\\/#primaryimage\",\"url\":\"https:\\\/\\\/www.credible.com\\\/blog\\\/wp-content\\\/uploads\\\/2021\\\/02\\\/Part-time-student-loans.png\",\"contentUrl\":\"https:\\\/\\\/www.credible.com\\\/blog\\\/wp-content\\\/uploads\\\/2021\\\/02\\\/Part-time-student-loans.png\",\"width\":1416,\"height\":566,\"caption\":\"image of school books and money bag for part time student loans\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/www.credible.com\\\/blog\\\/student-loans\\\/part-time-student-loans\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/www.credible.com\\\/blog\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"8 Student Loans for Part-time Learners\"}]},{\"@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\\\/958c3d22979d68a4b1aa81b0ca2e8f90\",\"name\":\"Lindsay VanSomeren\",\"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\":\"Lindsay VanSomeren\"},\"sameAs\":[\"https:\\\/\\\/www.linkedin.com\\\/in\\\/lindsayvansomeren\\\/\",\"https:\\\/\\\/x.com\\\/FiSciLindsay\"],\"url\":\"https:\\\/\\\/www.credible.com\\\/blog\\\/author\\\/lindsay-vansomeren\\\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"8 Student Loans for Part-time Learners for May 2026 - Credible","description":"While part-time student loans are available, you\u2019ll typically need to be enrolled at least half time to potentially qualify. Learn more here.","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\/part-time-student-loans\/","og_locale":"en_US","og_type":"article","og_title":"8 Student Loans for Part-time Learners for May 2026 - Credible","og_description":"While part-time student loans are available, you\u2019ll typically need to be enrolled at least half time to potentially qualify. Learn more here.","og_url":"https:\/\/www.credible.com\/blog\/student-loans\/part-time-student-loans\/","og_site_name":"Credible","article_publisher":"https:\/\/www.facebook.com\/crediblelabs\/","article_published_time":"2021-02-10T18:02:57+00:00","article_modified_time":"2023-06-14T18:03:32+00:00","og_image":[{"width":1416,"height":566,"url":"https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2021\/02\/Part-time-student-loans.png","type":"image\/png"}],"author":"Lindsay VanSomeren","twitter_card":"summary_large_image","twitter_creator":"@FiSciLindsay","twitter_site":"@credible","twitter_misc":{"Written by":"Lindsay VanSomeren","Est. reading time":"8 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.credible.com\/blog\/student-loans\/part-time-student-loans\/#article","isPartOf":{"@id":"https:\/\/www.credible.com\/blog\/student-loans\/part-time-student-loans\/"},"author":{"name":"Lindsay VanSomeren","@id":"https:\/\/www.credible.com\/blog\/#\/schema\/person\/958c3d22979d68a4b1aa81b0ca2e8f90"},"headline":"8 Student Loans for Part-time Learners","datePublished":"2021-02-10T18:02:57+00:00","dateModified":"2023-06-14T18:03:32+00:00","mainEntityOfPage":{"@id":"https:\/\/www.credible.com\/blog\/student-loans\/part-time-student-loans\/"},"wordCount":1654,"publisher":{"@id":"https:\/\/www.credible.com\/blog\/#organization"},"image":{"@id":"https:\/\/www.credible.com\/blog\/student-loans\/part-time-student-loans\/#primaryimage"},"thumbnailUrl":"https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2021\/02\/Part-time-student-loans.png","keywords":["no-sidebar"],"articleSection":["Student Loan Refinancing"],"inLanguage":"en-US"},{"@type":"WebPage","@id":"https:\/\/www.credible.com\/blog\/student-loans\/part-time-student-loans\/","url":"https:\/\/www.credible.com\/blog\/student-loans\/part-time-student-loans\/","name":"8 Student Loans for Part-time Learners for May 2026 - Credible","isPartOf":{"@id":"https:\/\/www.credible.com\/blog\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.credible.com\/blog\/student-loans\/part-time-student-loans\/#primaryimage"},"image":{"@id":"https:\/\/www.credible.com\/blog\/student-loans\/part-time-student-loans\/#primaryimage"},"thumbnailUrl":"https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2021\/02\/Part-time-student-loans.png","datePublished":"2021-02-10T18:02:57+00:00","dateModified":"2023-06-14T18:03:32+00:00","description":"While part-time student loans are available, you\u2019ll typically need to be enrolled at least half time to potentially qualify. Learn more here.","breadcrumb":{"@id":"https:\/\/www.credible.com\/blog\/student-loans\/part-time-student-loans\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.credible.com\/blog\/student-loans\/part-time-student-loans\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.credible.com\/blog\/student-loans\/part-time-student-loans\/#primaryimage","url":"https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2021\/02\/Part-time-student-loans.png","contentUrl":"https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2021\/02\/Part-time-student-loans.png","width":1416,"height":566,"caption":"image of school books and money bag for part time student loans"},{"@type":"BreadcrumbList","@id":"https:\/\/www.credible.com\/blog\/student-loans\/part-time-student-loans\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.credible.com\/blog\/"},{"@type":"ListItem","position":2,"name":"8 Student Loans for Part-time Learners"}]},{"@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\/958c3d22979d68a4b1aa81b0ca2e8f90","name":"Lindsay VanSomeren","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":"Lindsay VanSomeren"},"sameAs":["https:\/\/www.linkedin.com\/in\/lindsayvansomeren\/","https:\/\/x.com\/FiSciLindsay"],"url":"https:\/\/www.credible.com\/blog\/author\/lindsay-vansomeren\/"}]}},"_links":{"self":[{"href":"https:\/\/www.credible.com\/blog\/wp-json\/wp\/v2\/posts\/48213","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\/110"}],"replies":[{"embeddable":true,"href":"https:\/\/www.credible.com\/blog\/wp-json\/wp\/v2\/comments?post=48213"}],"version-history":[{"count":24,"href":"https:\/\/www.credible.com\/blog\/wp-json\/wp\/v2\/posts\/48213\/revisions"}],"predecessor-version":[{"id":68488,"href":"https:\/\/www.credible.com\/blog\/wp-json\/wp\/v2\/posts\/48213\/revisions\/68488"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.credible.com\/blog\/wp-json\/wp\/v2\/media\/48214"}],"wp:attachment":[{"href":"https:\/\/www.credible.com\/blog\/wp-json\/wp\/v2\/media?parent=48213"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.credible.com\/blog\/wp-json\/wp\/v2\/categories?post=48213"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.credible.com\/blog\/wp-json\/wp\/v2\/tags?post=48213"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}