Summary Loan Chart

Loan:
must be repaid

You may consolidate your loans after school for extended repayment terms that lower your monthly payment.

Subsidized:
The Federal Government pays the interest while the student is in school and during grace and deferment periods.

Limited Requirements

• no co-borrower
• no credit check
• no collateral

Rates:
view rates

Amounts:
$3,500 to $5,500 annually, depending on grade level

Maximum Limit:
see loan chart

Direct Loans:
The federal government provides funds to schools.

The school then disburses funds to the student after payment of tuition and other school expenses.

You may consolidate your loans after school for extended repayment terms that lower your monthly payments

Unsubsidized:
The borrower is responsible for interest during the life of the loan

Limited Requirements

• no co-borrower
• no credit check
• no collateral

Rates:
view rates

Amounts:
$5,500 to $20,500 annually, depending on grade level (minus any unsubsidized loans)

Maximum Limit:
see loan chart

You may consolidate your loans after school for extended repayment terms that lower your monthly payments

Limited Requirements

• no co-borrower
• yes credit check
• no collateral

Rates:
view rates

* Borrower must have a satisfactory credit. Parents who don't have satisfactory credit should apply with a credit-worthy co-borrower.

Amounts:
Cost of attendance minus any other financial aid received

You may consolidate your loans after school for extended repayment terms that lower your monthly payments

Limited Requirements

• no co-borrower
• yes credit check
• no collateral

Rates:
view rates

* Borrower must have a satisfactory credit. Students who don't have satisfactory credit should apply with a credit-worthy co-borrower.

You may consolidate your private student loans after school for extended repayment terms that lower your monthly payments

Qualifications:
Available to undergraduate, graduate, and continuing ed students enrolled in a degree or certificate program at an approved college or university

Limited Requirements*

• no co-borrower
• yes credit check
• no collateral

* Borrower must have at least 21 months credit experience and a satisfactory credit history. Borrowers who don't meet these credit requirements should apply with a credit-worthy co-borrower.

Qualifications:
Available to homeowners with an equity position at qualified LTV ratios:

calculate your equity value

Limited Requirements*

• no co-borrower
• yes credit check
• yes collateral

* Borrower must have a satisfactory credit. Borrowers who don't have satisfactory credit should apply with a credit-worthy co-borrower.

Home equity lines:
funds available whenever needed upon writing a check or transferring funds using your online connection.

Banker line of credit:
use as your primary money account to pay education costs.

Home equity loans:
total funds disbursed to the homeowner upon closing.