Private Student Loan Lenders

¹Interest rates for Fixed and Deferred Repayment Options are higher than interest rates tor the Interest Repayment Option. You 're charged interest starting at disbursement, while in school and during your six-month separation or grace period. When you enter principal and interest repayment, Unpaid Interest will be added to your loan's Current Principal. Variable rates may increase over the life of the loan. Advertised APRs assume a $10,000 loan to a freshman with no other Sallie Mae loans.

²Sallie Mae reserves the right to approve a lower loan amount than the school-certified amount.

³This promotional benefit is provided at no cost to undergraduate borrowers with loans that first disburse between May 8, 2017 and June 30, 2018. Borrowers who reside in or attend school in Maine are not eligible for this benefit. No cash value. Terms and Conditions apply. Please visit chegg.com/salliemaettermsandconditions for complete details. This offer expires one year after issuance.

This information is for borrowers attending degree-granting institutions only. You must be attending or have attended a participating school located in the U.S. during an eligible prior enrollment period. You must be a U.S. citizen or a permanent resident or a Non-U.S. citizen borrower with a creditworthy cosigner (who must be a U.S. citizen or permanent resident) and required U.S. Citizenship and Immigration Service (USCIS) documentation. [Non-U.S. citizen students, including DACA students, will need to submit proper documentation to prove citizenship/identity; this can include an unexpired foreign passport, an unexpired student visa, an alien registration card, or an employment authorization document. All documentation must be unexpired at the time of the application, government-issued, and include a photograph.] U.S. citizens and permanent residents enrolled in eligible study abroad programs or who are attending or have attended schools located outside the U.S. are also eligible. Applications are subject to a requested minimum loan amount of $1,000. Current credit and other eligibility criteria apply.

SALLIE MAE RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS, SERVICES, AND BENEFITS AT ANY TIME WITHOUT NOTICE.

The Sallie Mae partner referenced is not the creditor for these loans and is compensated by Sallie Mae for the referral of Smart Option Student Loan^® customers.

Sixup Loan Terms

¹ Rates based primarily on academic record and financial need. Fixed Rates range from 6.29%-9.67% APR; Variable Rates (which can go up and down during the life of loan) range from 5.11%-9.36% APR (Rates subject to change; Variable Rates based on LIBOR).

² 1% origination fee

³ Repayment Example: For a $10,000 loan, assuming you make 54 payments of $20 a month for an academic deferment period of 48 months of school plus 6 months, you will then make 120 monthly payments of $173.34, paying a total of $21,880.80, assuming the highest possible rate of 9.49%. Additional terms and conditions provided in disclosure and agreements.

https://sixup.com/loans/details/

Student Benefits

• Low rates, free to apply, and no disbursement fees
• Borrow up to 100% of the school-certified cost of attendance (minimum $2,000)^{1^}
• The most repayment choices - and help making sense of them
• 0.25% interest rate reduction when you make payments by automatic debit^{2^}
• No penalty for early repayment

Eligibility

• You (and your cosigner, if applicable) must be a U.S. Citizen or permanent resident.
• You must be enrolled at least half-time as a student at an eligible degree-granting school.
• Students must meet the minimum age of majority for their state of residence if applying alone.

College Ave Student Loans products are made available through either Firstrust Bank, member FDIC or M.Y. Safra Bank, FSB, member FDIC. All loans are subject to individual approval and adherence to underwriting guidelines. Program restrictions, other terms, and conditions apply.

^{1^} As certified by your school and less any other financial aid you might receive.

^{2^} The 0.25% auto-pay interest rate reduction applies as long as a valid bank account is designated for required monthly payments.

¹Aggregate loan limits apply.

²The Terms and Conditions have been updated effective January, 2017. These Terms and Conditions describe the eligibility and redemption policy for the 1% cash reward for good grades. "You" refers to the borrower. "We" refers to Discover Bank. Note: If you are eligible for both the Discover Student Loans Rewards for Good Grades and Discover it for Students credit card, you must apply separately for each reward.

³The Terms and Conditions have been updated effective January, 2017. These Terms and Conditions describe the eligibility and policies for the Auto Debit Reward. "You" refers to the borrower. "We" refers to Discover Bank.

Before taking out private student loans, you should explore and compare all financial aid alternatives, including grants, scholarships, and federal student loans and consider your future monthly payments and income. Applying with a cosigner may improve your chance of getting approved and could help you qualify for a lower interest rate.  The Ascent Program for Funding Education may be funded by Richland State Bank (RSB) or Turnstile Capital Management, LLC (TCM), which are not affiliated entities. Certain restrictions and limitations may apply. The Ascent Program for Funding Education products are subject to credit qualification, completion of a loan application, verification of application information and certification of loan amount by a participating school. All loan products may not be available in certain jurisdictions. Other terms and conditions apply. The Ascent Program for Funding Education is a federally registered trademark of TCM and may be used by RSB under limited license. Richland State Bank is a federally registered service mark of Richland State Bank.

¹Ascent rates are effective as of 04/01/2018. The current LIBOR is 1.861%, which may adjust monthly. Your interest rate may increase or decrease, based on LIBOR monthly changes. Competitive rates calculated monthly at the time of loan approval.  Ascent Tuition cosigned loan: Variable rate loans are based on a margin between 2.25% and 9.00% plus the 1-Month London Interbank Offered Rate (LIBOR) rounded to the nearest 1/100th of a percent resulting in an APR range between 4.11% - 10.36% APR.  Fixed rate loans have an APR range between 5.85% - 12.19%. Click here for Ascent Tuition cosigned loan current rates and repayment examples.

² Payments may be deferred. Subject to lender discretion, forbearance and/or deferment options may be available for borrowers who are encountering financial distress.

³ Making interest only or partial interest payments while in school will not reduce the principal balance of the loan. There are three (3) flexible in-school repayment options that include fully deferred, interest only and $25 minimum repayment. Click here for Ascent Tuition cosigned loan current rates and repayment examples.

⁴ Flexible repayment plans may be offered with up to a fifteen (15) year repayment term. *Ascent borrowers who choose a fixed rate option may ONLY select a loan term of five (5) or twelve (12) years (60 or 144 months, respectively). For certain loans with low balances, the minimum monthly payment amount may cause the loan amortization schedule to be less than the selected term. Click here for Ascent Tuition cosigned loan current rates and repayment examples.

⁵ Interest rate reduction of 0.25% for enrollment in automatic debit applies only when the borrower and/or cosigner signs up for automatic payments and the regularly scheduled, current amount due (including full, flat, or interest only payments, as applicable) is successfully deducted from the designated bank account each month. Interest rate reduction(s) will not apply during periods when no payment is due, including periods of In-School, Deferment, Grace or Forbearance. If you have two (2) returned payments for Nonsufficient Funds, we may cancel your automatic debit enrollment and you will lose the 0.25% interest rate reduction. You will then need to requalify and re-enroll in automatic debit payments in order to receive the 0.25% interest rate reduction.

⁶ All applicants (individual and cosigner) are required to complete a brief online financial literacy course as part of the application process to be eligible for funding.

⁷ Eligibility, loan amount and other loan terms are dependent on a number of factors, including: loan product, other financial aid, creditworthiness, school, program, graduation date, major, cost of attendance and other factors. Aggregate loan limits may apply. The cost of attendance is determined and certified by the educational institution.

⁸ The legal age for entering into contracts is eighteen (18) years of age in every state except Alabama where it is nineteen (19) years old, Nebraska where it is nineteen (19) years old (only for wards of the state), and Mississippi and Puerto Rico where it is twenty-one (21) years old.

¹⁺⁺⁺The Annual Percentage Rate (APR) is based on a $10,000 loan and reflects the accruing interest, the effect of capitalized interest, a 2% origination fee, the full deferment payment plan option (in which there is a 21-month in-school deferment and a six-month grace period), and a monthly principal and interest payment of $125.13 for 10 years (120 periods) and $97.28 for 15 years (180 months), with the first payment due 45 days after the completion of the grace period.

²⁺⁺⁺Savings calculation of $10,805 is based on an assumed $100,000 loan amount and a fixed product with a 5.78% APR and deferred repayment until after graduation and six-month grace period. Loan is assumed to be taken out for the borrower's first year of business school. Please note that you forego certain federal loan program benefits if you use private student loans. Savings is calculated as the difference between a borrower's estimated future payments for $20,500 in Direct Unsubsidized Stafford Loans and $79,500 in Direct Grad PLUS Loans and their future expected payments with CommonBond. The calculation assumes no change in interest rates, on-time payments, and no pre-payment of loans.

Offered terms are subject to change. Loans are offered by CommonBond Lending, LLC (NMLS # 1175900). The following table displays the estimated monthly payment, total interest, and Annual Percentage Rates (APR) for a $10,000 loan. The Annual Percentage Rate (APR) shown for each in-school loan product reflects the accruing interest, the effect of one-time capitalization of interest at the end of a deferment period, a 2% origination fee, and the applicable Repayment Plan. All loans are eligible for a 0.25% reduction in interest rate (ACH discount) by agreeing to automatic payment withdrawals once in repayment, which is reflected in the APR shown for Full Principal and Interest Repayment Plan loans. Variable rates may increase after consummation. All variable rates are based on a 1-month LIBOR assumption of 0.99 as of April 25, 2017.

Under the Full Deferment Repayment Plan option, interest and principal may be deferred while a borrower is enrolled in school on at least a half time basis, and for an additional six month grace period (up to a maximum of 60 consecutive months) following (i) graduation, (ii) termination of enrollment, or (iii) if a borrower ceases enrollment on at least a half-time basis, at which time interest is capitalized and a 60-month repayment period (5-year term), a 120-month repayment period (10-year term) or a 180-month repayment period (15-year term) begins. There are three other Repayment Plan options available, an Interest Only Repayment plan, in which principal will be deferred and payments made on interest only during the same period described above after which payments will increase to full principal and interest payments, a Flat Repayment plan, in which payments of $25 will be made during the same period described above after which payments will increase to full principal and interest payments, and a Full Principal and Interest Repayment plan, in which payments will begin immediately after disbursement. A borrower's actual APR may vary depending on the repayment option selected by the borrower. The dollar amount of the origination fee is based on the amount borrowed and will be added to the outstanding loan balance upon disbursement. Loans are not offered or endorsed by the educational institution that you are attending. CommonBond is not affiliated with any educational institution.

For more information, visit https://commonbond.co/disclaimers#note3.

See terms & conditions for important information and additional details.

^1***Interest rate based on credit score.

^2***The rate is subject to increase after consummation. The three-month Libor index is defined as the daily average of the three-month London Interbank Offered Rate (Libor) (currency in U.S. dollars) that was published on the Wall Street Journal's website (or any generally recognized successor method or means of publication) on each business day during the 91-day period ending on the 20th day of March, June, September and December. The three-month Libor index for the quarter April 1–June 30, 2017, is 1.048%.

^3***The rate will not exceed 21.00%.

^4***Borrowers with delinquencies during the principal and interest repayment period or interest-only repayment period may have future disbursements and/or loans suspended or canceled.

^5***The in-school period cannot exceed 48 months.

^6***Annual percentage rate (APR), finance charges and monthly payments are based on borrowing $10,000 in a single disbursement. Immediate Payment — Fixed is based on a fixed interest rate of 4.24% to 8.88% during the 60, 120, or 180 month principal and interest repayment period. Interest-Only Payment — Fixed is based on deferring principal and maintaining a constant interest rate on a fixed rate loan of 4.39% to 9.03% during the 48-month interest-only and the 60, 120, or 180 month principal and interest repayment periods. Deferred Payment — Fixed is based on deferring interest and principal and a fixed interest rate of 4.54% to 9.18% during the 48-month in-school and separation and the 60, 120, or 180 month principal and interest repayment periods. Immediate Payment — Variable is based on maintaining a constant interest rate on a variable rate loan of 2.18% to 6.61% during the 60, 120, or 180 month principal and interest repayment period. Interest-Only Payment — Variable is based on deferring principal and maintaining a constant interest rate on a variable rate loan of 2.33% to 6.76% during the 48-month interest-only and the 60, 120, or 180 month principal and interest repayment periods. Deferred Payment — Variable is based on deferring interest and principal and maintaining a constant interest rate on a variable rate loan of 2.48% to 6.91% during the 48-month in-school and separation and the 60, 120, or 180 month principal and interest repayment periods. APR examples are based on the quarterly interest rates April 1–June 30, 2017

^7***Earn a 2.00% principal reduction reward after graduation if you graduate from the degree program that the loan was used to fund and your graduation date is more than 90 days and less than six years after the date of the loan's first disbursement.

To receive the graduation benefit, you must:

• Request the 2% reward.
• Provide adequate documentation to verify proof of your graduation.
• Be current on any INvestEd Student Loan you have borrowed. To be current, your loans may not be more than 30 days delinquent or in a default status as of your graduation date and until any graduation reward principal reduction is applied.

^8***Earn a 0.25% interest rate reduction by making auto-debit payments when you begin principal and interest repayment.

^9***You may apply to have your cosigner(s) released from their obligation after the first 48 consecutive monthly principal and interest payments are received on time as long as you meet the underwriting and credit criteria at the time the cosigner release is requested.

¹⁺ PNC Solution Loans™ are subject to credit approval.

²⁺ If automatic payment is discontinued, you will no longer receive an automatic payment discount. A federal regulation limits the number of transfers that may be made from a savings or money market account. Please contact your financial institution for more information on transfer limitations on savings accounts.

³⁺ Students may choose to defer repayment until six months after graduation or ceasing to be enrolled at least half time in school. Interest-only and immediate repayment options are also available. Interest will accumulate while the student is enrolled in school if payments are deferred. If interest is not paid, the accumulated interest will be added to the principal at repayment.

⁴⁺ Effective 4/1/2018, variable loan interest rates range from 4.90% to 11.85% and APRs range from 4.77% to 11.85%. Fixed loan interest rates range from 6.49% to 12.99% and APRs range from 6.26% to 12.99%. The monthly payment for the immediate repayment option at a variable rate range of 4.90% to 11.85% for 180 months on a $10,000 loan means you would make 180 payments which may range from $78.72 to $119.62 based on 30 days to first payment due date. The monthly payment for the immediate repayment option at a fixed rate of 6.49% to 12.99% for 180 months on a $10,000 loan means you would make 180 payments which may range from $87.29 to $127.12 based on 30 days to first payment due date. Monthly payments may vary for the interest only and fully deferred repayment options. All figures are for PNC Solution Loan for Undergraduates. Other terms and conditions may apply to other PNC Solution Loan programs.

⁵⁺A request to release a co-signer requires that, as of the date of the request, you have made at least forty-eight (48) consecutive timely payments of principal and interest with no periods of forbearance or deferment within the forty-eight (48) month timeframe. “Timely payment” means each payment is made no later than the 15th day after the scheduled due date of the payment. “Consecutive payment” means the regularly scheduled monthly payment must be made for the most recent forty-eight (48) months straight without any interruption. To qualify for a co-signer release, the borrower must submit a request, meet the consecutive, timely payment requirements, provide proof of income and pass a credit check.

Please note: PNC reserves the right to modify or discontinue the terms of this program at any time without notice. Visit pnconcampus.com for additional information, terms and conditions about our loan programs. You are encouraged to explore all scholarship, grant and federal borrowing options before applying for a private loan.

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