iHelp Student Loan Lender Profile


20 year loan


Variable rates only


As low as 3.89%*

iHelp offers a private student loan program through a network of community banks. Partnered with the Student Loan Finance Corporation (SLFC), and the Independent Community Bankers of America (ICBA), iHelp is committed to helping students finance their education. iHelp offers long-term variable rate loans to borrowers that need to partially fund or fully fund an undergraduate or graduate education.

Credit Check: Borrower or cosigner must have at least 2 years of positive credit history and annual income of $24,000 or greater.

Graduate Loan Amounts: Minimum loan amount is $1,000 ($3,000 for Georgia residents) and maximum of $150,000

Citizenship: Borrower or cosigner must be U.S. citizen or permanent resident

Limited School Eligibility: Must be enrolled at least half time in an iHELP eligible school

Undergraduate Loan Amounts: Minimum loan amount of $1,000 ($3,000 for Georgia residents) and maximum of $100,000


Rates valid as of February 1, 2018

Variable Term

3.89% - 9.32%

*APRs discounts and all repayment options where available

Rate (APR)


Term (Years)


  • Three repayment options available while in school:  Full deferment, interest only payments, and principal and interest payments
  • 0.30% interest rate reduction for borrowers that qualified for the LIBOR + 7.50% interest rate after 24 months of on-time payments
  • Co-signer release available after 24 months of on-time payments

Key Benefits

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Additional Information

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