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Our free college planning resources may help you find more ways to pay for college. Your school's financial aid office may also be able to help.
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Tip for borrowers
You can apply only once and get the money you need for the entire school year. Funds will be sent for each term as requested by your school.
Learn about how much to borrow
Understand your interest rate and repayment options
Select a variable or fixed interest rate
A variable interest rate can rise or fall as the market index changes, so your loan payments may vary over time.
Get predictable monthly payments with a rate that doesn’t change over time.
You may pay more for your total loan cost because a fixed interest rate is usually higher than a starting variable interest rate.
Choose how you'd like to repay your loan
Pay a little and save
Fixed repayment option: Pay $25 every month while you're in school and in grace for a budget-friendly way to help lower your total loan cost.
Your total loan cost will likely be higher than with the interest repayment option because the interest rate is higher and unpaid interest is added to the principal amount at the end of the grace period.
Pay interest and save even more
Interest repayment option: Pay interest every month you’re in school and in grace (six months after leaving school) and you can lower your total student loan cost more than with our fixed repayment option.
Your loan payments will likely be larger while you’re in school and in grace than with our fixed repayment option.
Applying is easy
Provide some basic info
Give some details about yourself and your school. Consider adding a cosigner: Students are 4X more likely to be approved when a parent, relative, or other creditworthy individual cosigns for your student loan.
Choose your repayment option
After you’re approved, pick the interest rate and repayment option that suits your budget.
Accept your loan
Review, sign, and accept your loan documents; we’ll take care of the rest with your school.
Tip for borrowers
A career training student loan can help you build credit, and we'll help you track it with free access to your FICO® Scores, updated quarterly.
Learn more about FICO® Scores
Have questions or need help applying?