when you need money
for college ... FAST!
That is when your —
- government student loans,
- scholarships,
- grants,
- and savings — don't add up to pay the
full cost.
And tuition
- school supplies - costs for room and board are all due!
Have your money in as little as 5 business days
- get an immediate decision
- money sent directly to you and your co-signer
Turn
to private student loans to help fund
the remaining portion of education related expenses. You
can get your money in as little as 5 business
days.
You can borrow up to $45,000 and make no payments until after you graduate or leave school: see footnotes below
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graduation reward — $300 principal reduction per loan at graduation more information-(3)
- Upon graduation, you will receive a $300 principal reduction on your loan as a gift for graduation (proof of graduation will be required). Get a SayStudent Private Student Loan each year for four years and receive a $1,200 principal reduction with proof of graduation!
That is a nice graduation gift by applying now with SayStudent.com. Compare this savings with other loan providers.
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no upfront or origination fees — that is more additional savings when you apply with us more information-(4)
- No upfront or origination fees when you apply for your SayStudent Private Student Loan. That is another great benefit.
Many other providers will charge a fee on the loan amount you borrow. The fee can range from 3-7% of the loan amount. That means that if you borrow $10,000, they will add an additional $300-$700 to your loan amount as an orginiation fee.
With SayStudent.com, you will pay zero upfront fees. So your total loan is the amount that you borrow. Nothing more. Apply Now for a SayStudent Private Student Loan. Compare this benefit with other loan providers.
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0.25% interest rate deduction for automatic payment when you enter repayment more information-(5)
- The 0.25% rate reduction is available to borrowers who arrange to automatically deduct monthly payments from their bank account.
The interest rate repayment will begin when automatic principal and interest loan payment start, and will remain in effect as long as automatic payments continue without interruption. The reduced interest rate will return to the contract rate if automatic payments are cancelled, rejected, or returned for any reason.
This benefit applies to all loans disbused on or after 10/13/2006.
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co-signer release after 48 consecutive on-time paymentsmore information-(6)
- Since many first-time students will need a co-signer such as a parent or another to qualify for the loan, you can request a co-signer release when you submit your SayStudent private student loan application.
Then after meeting certain qualifications after 48 months, the co-signer can be released from the private student loan agreement.
Apply Now! with SayStudent.com.
Compare this benefit with other loan providers.
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rates as low as LIBOR + 2.50%,
currently 4.4160% APR† more information- † LIBOR stands for London Interbank Offered Rate. The one-month LIBOR is the Current Index, as published in the "Money Rates" section of the Wall Street Journal (Eastern Edition). Your variable interest rate and Annual Percentage Rate (APR) may be higher depending upon your credit history and will increase or decrease if the one-month LIBOR index changes.
Your variable interest rate is calculated by adding the current one-month LIBOR index (captured on the 25th business day of each month and rounded up to the nearest 1/8th of one percent) to your margin.
The current one-month LIBOR index was 2.500% on 6/1/08. This APR example assumes a $6,500 undergraduate, cosigned, loan disbursed over two transactions with a deferment period of 45 months upon initial disbursement and a six month grace period upon graduation, a 20 year repayment term with no repayment fees, and a 2.50% margin.
Margins can range from 2.5% to 8.00% and repayment fees can range from 0% to 4% both depending upon your or your cosigner's credit history.
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use this FREE tally sheet to track your aid needs - benefits |
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| start by estimating how much you need |
| Use your SayStudent loan to pay tuition, room and board, books, laptop, travel home, study abroad and other education-related expenses. |
| make sure you borrow the right amount so that you will have enough for the entire year |
| use our calculator at right to estimate how much |
we have a budget planning worksheet that can help budget aid and expenses needs:
FREE download |
| get up to $45,000 1 in as little as 5 business days. |
| you will not have to pay one cent on the loan until after your graduate 2 |
| get qualified before you apply |
| This is a credit-based, private student loan. So many first-time students
will need a qualified co-signer in order to qualify |
| it is recommended that you have a qualified co-signer such as a parent or another creditworthy adult in order to qualify for the loan and to get a better rate |
| student must be the legal age of majority or at least 17 years of age with a Cosigner who is legal age of majority 8 |
| link to our how best to qualify page to determine whether you qualify without a co-signer |
| ready - submit your application |
| Use our easy, no hassle application with no out-of-pocket
or upfront fees. You can apply online |
| you can start your application online, save it, and return later to finish and submit. |
| get a preliminary approval instantly. |
| whether
you've just graduated from high school or are starting a graduate program,
the SayStudent Loan can provide the money you need. |
One More Important Item
don't wait another minute!
finance your college needs now!
1 Undergraduate and graduate borrowers may borrow annually up to the lesser of the cost of attendance or $45,000.
2 Undergraduates and graduates may defer repayment until six months after graduation or ceasing to be enrolled at least half-time. Immediate and interest only repayment options are also available.
3 $300 principal reduction is applied to unpaid principal balance when proof of graduation is received. If outstanding balance is less than $300, balance will be reduced to $0.
4 A repayment fee may apply based on credit history.
5 The 0.25% rate reduction is available to borrowers who arrange to automatically deduct monthly payments from their bank account. The interest rate repayment will begin when automatic principal and interest loan payment start, and will remain in effect as long as automatic payments continue without interruption. The reduced interest rate will return to the contract rate if automatic payments are cancelled, rejected, or returned for any reason. This benefit applies to all loans disbused on or after 10/13/2006.
6 LIBOR stands for London
Interbank Offered Rate. The one-month LIBOR is the Current Index, as published
in the "Money Rates" section of the Wall Street Journal (Eastern
Edition). Your variable interest rate and Annual Percentage Rate (APR) may be
higher depending upon your credit history and will increase or decrease if the
one-month LIBOR index changes. Your variable interest rate is calculated by
adding the current one-month LIBOR index (captured on the 25th business day of
each month and rounded up to the nearest 1/8th of one percent) to your margin.
The current one-month LIBOR index was 2.500% on 6/1/08. This APR example assumes
a $6,500 undergraduate, cosigned, loan disbursed over two transactions with a
deferment period of 45 months upon initial disbursement and a six month grace
period upon graduation, a 20 year repayment term with no repayment fees, and a
2.50% margin. Margins can range from 2.5% to 8.00% and repayment fees can range
from 0% to 4% both depending upon your or your cosigner's credit history.
7 Borrowers must meet credit
guidelines at the time the cosigner release is requested.
8 The legal age for entering into contracts (the age of majority) is 18 years of age in every state in the United States except the following: Alabama and Nebraska 19 years old, and Mississippi and Puerto Rico 21 years old.
