Here are 5 options for you Qualifications Typical credit score of approved borrowers or co-signers: 760. Loan amounts: $5,000 to $500,000. Must have a degree: No, but must be within six months of graduation and have income or a job. Available Term Lengths Pros Customizable payments and loan terms. Eligible borrowers can skip one payment every 12 months. You can see if you’ll qualify and what rate you’ll get without a hard credit check. Cons Won’t allow you to transfer parent loans to your name. Qualifications Typical credit score of approved borrowers or co-signers: 760. Loan amounts: $5,000 to $500,000. Must have a degree: No, but must be within six months of graduation and have income or a job. Available Term Lengths Pros Customizable payments and loan terms. Eligible borrowers can skip one payment every 12 months. You can see if you’ll qualify and what rate you’ll get without a hard credit check. Cons Won’t allow you to transfer parent loans to your name. Qualifications Typical credit score of approved borrowers or co-signers: 700+. Loan amounts: $5,000, up to your total outstanding loan balance. Must have a degree: Yes, an associate degree or higher. Available Term Lengths Pros You can see if you’ll qualify and what rate you’ll get without a hard credit check. Dedicated Student Loan Debt Specialist available for borrowers. Cons No co-signer release available. Loan size minimum is higher than most lenders. Qualifications Typical credit score of approved borrowers or co-signers: 700+. Loan amounts: $5,000, up to your total outstanding loan balance. Must have a degree: Yes, an associate degree or higher. Available Term Lengths Pros You can see if you’ll qualify and what rate you’ll get without a hard credit check. Dedicated Student Loan Debt Specialist available for borrowers. Cons No co-signer release available. Loan size minimum is higher than most lenders. Qualifications Typical credit score of approved borrowers or co-signers: 751. Loan amounts: $5,000 to $300,000, depending on the higest degree earned. Must have a degree: Yes, at least an associate degree. Available Term Lengths Pros Forbearance of 18 months for 15- and 20-year loan terms is longer than many lenders. You can see if you’ll qualify and what rate you’ll get without a hard credit check. Cons Loans aren't available in Maine, Nevada, North Dakota, Rhode Island or West Virginia. Qualifications Typical credit score of approved borrowers or co-signers: 751. Loan amounts: $5,000 to $300,000, depending on the higest degree earned. Must have a degree: Yes, at least an associate degree. Available Term Lengths Pros Forbearance of 18 months for 15- and 20-year loan terms is longer than many lenders. You can see if you’ll qualify and what rate you’ll get without a hard credit check. Cons Loans aren't available in Maine, Nevada, North Dakota, Rhode Island or West Virginia.
Best for faster repayment options Qualifications Typical credit score of approved borrowers or co-signers: 774. Loan amounts: $10,000 up to your total outstanding loan balance. Must have a degree: Yes, at least a bachelor’s degree. Available Term Lengths Pros You are assigned a student loan advisor. You can refinance parent PLUS loans in your name. Cons Payment postponement isn’t available for borrowers who return to school. The minimum amount to refinance is more than many lenders require. No co-signer release available.
Best for faster repayment options Qualifications Typical credit score of approved borrowers or co-signers: 774. Loan amounts: $10,000 up to your total outstanding loan balance. Must have a degree: Yes, at least a bachelor’s degree. Available Term Lengths Pros You are assigned a student loan advisor. You can refinance parent PLUS loans in your name. Cons Payment postponement isn’t available for borrowers who return to school. The minimum amount to refinance is more than many lenders require. No co-signer release available. on Splash Financial's website on Splash Financial's website
See details Qualifications Typical credit score of approved borrowers or co-signers: Did not disclose. Loan amounts: $5,000 to $500,000. Must have a degree: Yes, a bachelor’s degree or higher. Available Term Lengths Pros Select from multiple repayment options. You can see if you’ll qualify and what rate you’ll get without a hard credit check. Cons Loan features vary by lender. Forbearance and death discharge may not be available. You may need to become a member of a credit union to qualify. on Splash Financial's website on Splash Financial's website
Qualifications Typical credit score of approved borrowers or co-signers: Did not disclose. Loan amounts: $5,000 to $500,000. Must have a degree: Yes, a bachelor’s degree or higher. Available Term Lengths Pros Select from multiple repayment options. You can see if you’ll qualify and what rate you’ll get without a hard credit check. Cons Loan features vary by lender. Forbearance and death discharge may not be available. You may need to become a member of a credit union to qualify. Disclaimers Annual Percentage Rates (APR), loan term and monthly payments are estimated based on analysis of information provided by you, data provided by lenders, and publicly available information. All loan information is presented without warranty, and the estimated APR and other terms are not binding in any way. Lenders provide loans with a range of APRs depending on borrowers' credit and other factors. Keep in mind that only borrowers with excellent credit will qualify for the lowest rate available. Your actual APR will depend on factors like credit score, requested loan amount, loan term, and credit history. All loans are subject to credit review and approval.
