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Loan Choices – Select the loan you're applying for:

Federal Loan Consolidation

This loan is available to any borrower (both students and parents) who wants to combine his or her outstanding government guaranteed student loans into a single loan with a single monthly payment. By applying for a Consolidation loan prior to July 1, 2006, you can lock in a low fixed interest rate for the life of the loan. The base consolidation interest rate is determined by taking the weighted average of the current interest rates on the existing/underlying loans that are consolidated. All federal education lenders determine the base consolidation interest rate using this formula. In addition, a Consolidation Loan may have a longer repayment term and lower monthly payments—making repayment easier and more manageable. Learn More >

Apply for a Federal Consolidation Loan >


Private Loan Consolidation

This consolidation loan has been created to help the recent graduate manage repayment of any private education loans taken out during his or her studies. This loan can include up to $7500 of federal student loans to make debt repayment easier. The borrower must be creditworthy or must obtain a creditworthy co-borrower. Learn More >

Apply for a Private Consolidation Loan >


Private Student Loans

A Private Education Loan is an unsecured consumer loan made by lenders to students and/or their parents to cover the cost of education. These loans may be used to cover costs not met by the federal, government-guaranteed student loans available. This type of loan is playing a growing role in allowing students to attend the college of their choice. Learn More >

Apply for an Undergraduate Private Education Loan >

Apply for a Graduate Private Education Loan >


Federal Parent Loan for Undergraduate Students (PLUS) Loan

PLUS loans are available to an eligible parent of a dependent undergraduate student attending a participating post-secondary school. Parents can borrower amounts covering the total cost of education minus financial aid received. A PLUS Loan borrower must pass a basic credit check (credit score and income are not factored in) and is responsible for repaying principal and interest from the time the loan is funded. The interest rate is set annually by the U.S. Department of Education. Learn More >

Apply for a Federal PLUS Loan >


Federal Stafford Loans

This loan is available to students attending an eligible post-secondary school. There is no credit-worthiness requirement, but each loan must be certified by the school attended. There are two types of Stafford Loans – unsubsidized and subsidized. A student who demonstrates financial need is eligible to have the federal government pay the interest on the loan until repayment of the loan begins. A student may have a combination of subsidized and unsubsidized loans. Learn More >

Apply for an Undergraduate Federal Stafford Loan > (Coming Soon)

Apply for a Graduate Federal Stafford Loan >