Skip Navigation
Edvisors Star Logo
Edvisors Logo
  • Compare Lenders
      • Compare Lenders
      • Best Private Student Loans in March 2023
      • Student Loan Comparison: Federal Loans vs Private Loans
      • Parent PLUS Loans vs Private Student Loans
      • How Does Interest on Student Loans Work?
      • Private Student Loan Cosigner: Everything you Need to Know
      • View All Articles >
      College ave student loans apply now

      This is an advertisement.

      • Compare Lenders
      • Best Student Loan Refinance Companies for March 2023
      • Federal Student Loan Repayment Plans
      • Student Loan Forgiveness: How to Get Student Loans Forgiven
      • Repayment Plans for Private Student Loans
      • Parent PLUS Loan Forgiveness
      • View All Articles >
      refinance student loans with college ave get started

      This is an advertisement.

    • Private Student Loans
    • Refinance Student Loans
  • Plan for College
      • Best Job Search Sites
      • Resumes That Get Noticed
      • High Paying Careers
      • STEM Careers
      • View All Articles >
      Win Scholarships - Join ScholarshipPoints.com

      This is an advertisement.

      • Measuring Academic Fit: Reach, Match and Safety Schools
      • Need-Blind Admissions
      • How Long is a College Essay
      • When are College Applications Due
      • How to Write a Good College Essay
      • View All Articles >
      Win Scholarships - Join ScholarshipPoints.com

      This is an advertisement.

      • Filing the FAFSA 2023-24: A Simple Guide for Students
      • FAFSA Deadlines for 2023-2024
      • FAFSA FAQ - Your FAFSA Questions Answered
      • View All Articles >
      Win Scholarships - Join ScholarshipPoints.com

      This is an advertisement.

      • Most Popular Scholarships for College Students in 2023
      • Apply for Free Scholarships for College
      • College Scholarships for Kids
      • Most Prestigious Undergraduate Scholarships
      • Las mejores becas para estudiantes hispanos y latinos
      • View All Articles >
      Win Scholarships - Join ScholarshipPoints.com

      This is an advertisement.

      • How to Pay for College
      • Tuition Payment Plans
      • Pros and Cons: Borrowing From My 401K to Pay for College
      • Paying College Tuition with a Credit Card
      • Best Ways to Pay for College Without Financial Aid
      • View All Articles >
      Win Scholarships - Join ScholarshipPoints.com

      This is an advertisement.

      • Financial Aid Disbursement: When and How You Will Get It
      • Should I Pay Off My Student Loans Right Now
      • How to Minimize Student Loan Debt
      • View All Articles >
      Win Scholarships - Join ScholarshipPoints.com

      This is an advertisement.

    • Careers
    • College Admissions
    • FAFSA
    • Scholarships
    • Paying for College
    • Student LIFE Blog
  • Student Loans
      • Filing the FAFSA 2023-24: A Simple Guide for Students
      • FAFSA FAQ - Your FAFSA Questions Answered
      • FAFSA Deadlines for 2023-2024
      • FAFSA School Codes
      • FAFSA 2023-2024 Guide & Resources
      • View All Articles >
      College ave student loans apply now

      This is an advertisement.

      • Best Private Student Loans in March 2023
      • Student Loan Comparison: Federal Loans vs Private Loans
      • Parent PLUS Loans vs Private Student Loans
      • How Does Interest on Student Loans Work?
      • Private Student Loan Cosigner: Everything you Need to Know
      • View All Articles >
      College ave student loans apply now

      This is an advertisement.

      • Filing the FAFSA 2023-24: A Simple Guide for Students
      • FAFSA FAQ - Your FAFSA Questions Answered
      • The complete guide to federal undergraduate student loans
      • What are Federal Parent PLUS Loans and How to Apply?
      • Financial Aid for Graduate School
      • Compare Subsidized and Unsubsidized Student Loans
      • View All Articles >
      College ave student loans apply now

      This is an advertisement.

      • Best Student Loan Refinance Companies for March 2023
      • Federal Student Loan Repayment Plans
      • Student Loan Forgiveness: How to Get Student Loans Forgiven
      • Repayment Plans for Private Student Loans
      • Should You Refinance Federal Student Loans?
      • Parent PLUS Loan Forgiveness
      • View All Articles >
      • Sallie Mae Student Loan Review
      • College Ave Student Loan Review
      • SoFi Student Loan Review
      • Ascent Student Loan Review
      • View All Articles >
      College ave student loans apply now

      This is an advertisement.

    • FAFSA
    • Private Student Loans
    • Federal Student Loans
    • Repay Student Loans
    • Lender Reviews
  • Credit Cards
      • Petal® 2 Visa® Credit Card Review
      • SoFi Credit Card Review
      Win Scholarships - Join ScholarshipPoints.com

      This is an advertisement.

      • Best Credit Cards for 2023
      • Best Cash Back Credit Cards
      • Best 0% Introductory APR Credit Cards
      • Best Secured Credit Cards for 2023
      • Best Balance Transfer Credit Cards
      Win Scholarships - Join ScholarshipPoints.com

      This is an advertisement.

      • How to Build Credit?
      • What Age Can You Get a Credit Card?
      • What is a Secured Credit Card?
      • What is an Unsecured Credit Card?
      Win Scholarships - Join ScholarshipPoints.com

      This is an advertisement.

    • Card Reviews
    • Best Credit Cards
    • Credit Card FAQs
  • Money Management
      • Best Budgeting Apps
      • Budgeting Tips
      • Budgeting for Beginners
      Win Scholarships - Join ScholarshipPoints.com

      This is an advertisement.

      • Financial Goals
      • How to Save Money as a College Student
      • What is an Emergency Fund
      Win Scholarships - Join ScholarshipPoints.com

      This is an advertisement.

      • How to Pay Off Debt
      • Debt Relief
      • What is a Debt Management Plan
      Win Scholarships - Join ScholarshipPoints.com

      This is an advertisement.

      • How to Check Your Credit Score
      • Best Credit Building Apps
      • What is Credit?
      Self Credit Builder: Build Credit. Build Savings. Build Dreams.

      Sponsored Ad

      • Investing for Beginners
      • Best Investment Apps
      • Understanding the Stock Market
      Win Scholarships - Join ScholarshipPoints.com

      This is an advertisement.

      • What is Risk Management
      • How to Prevent Identity Theft
      • What is Insurance
      Info compromised in a breach? Don't compromise on identity theft protection.

      Sponsored Ad

    • Budgeting
    • Saving
    • Debt Management
    • Credit
    • Investing
    • Risk Management
Search Box Form
Advertisement Disclosure
Advertisement Disclosure
×

Edvisors (“Edvisors Network, Inc.”) provides independent advertising-supported platforms for consumers to search compare and apply for private student loans. Loan offers from participating lenders that appear on our websites are not affiliated with any college and/or universities, and there are no colleges and/or universities which endorse Edvisors’ products or services. Lender search results do not constitute an official college preferred lender list. Edvisors receives compensation from lenders that appear on this site. This compensation may impact the placement of where lenders appear on this site, for example, the order in which the lenders appear when included in a list. Not all lenders participate in our sites and lenders that do participate may not offer loans to every school.

Edvisors is not a lender and makes no representations or warranties about your eligibility for a particular loan or financial aid. Lenders are solely responsible for any and all credit decisions, loan approval and rates, terms and other costs of the loan offered and may vary based upon the lender you select. Please check with your school or lender directly for information related to your personal eligibility.

Edvisors has endeavored to provide accurate information. However, the results provided by lenders are for illustrative purposes only and accuracy is not guaranteed, as such, Edvisors assumes no responsibility for errors or omission in the information provided.

×
Get Your Free Guide to Filing the FAFSA Today!

Thank you for your interest in Edvisors' 2020-2021 Guide to Filing the FAFSA.

Please complete the form below to access your free copy.

Thank you! Click here to download your free FAFSA Guide.

I am a:

×
College knowledge starts here!

Enter your email below to receive your Student Loan Handbook from Edvisors.

Please check your email for the Student Loan Handbook.

After Navigation
Home Student Loans
Need a student loan? We can help
Compare Lenders
girl holding a chalkboard that say student loan because on edvisors.com you can learn about and compare student loans girl holding a chalkboard that say student loan because on edvisors.com you can learn about and compare student loans
Compare Lenders
Questions about the FAFSA?
Let Us Guide You
wooden sign that says fafsa help here - fafsa stands for free application for federal student aid wooden sign that says fafsa help here - fafsa stands for free application for federal student aid
Let Us Guide You
Thinking about a Refi for your Student Loan?
Check Today's Rates
piggy banks on a teeter totter comparing rates for a  Student Loan Refinance piggy banks on a teeter totter comparing rates for a  Student Loan Refinance
Check Today's Rates
Looking for Free Money for School?
Find Scholarships
student holding a piggy bank and cash she got from a Student Loan to help pay for college student holding a piggy bank and cash she got from a Student Loan to help pay for college
Find Scholarships
FAFSA icon (Notepad)
FAFSA
Federal Student Loans icon ()
Federal Student Loans
Private Student Loans icon (Bag Of Money)
Private Student Loans
Student Loan Refinance icon (Money Grows)
Student Loan Refinance
Lender Reviews icon (Greek Building)
Lender Reviews
Credit Unions icon (Star Fast)
Credit Unions
Loan Calculator icon (Calculator)
Loan Calculator

Student Loans

Editor's Picks for Student Loans

Street sign with Deadline Ahead written on it to bring attention to the upcoming FAFSA Deadline
Elaine Rubin

FAFSA Deadlines for 2023-2024

By Elaine Rubin
FAFSA deadlines can vary. The FAFSA for the 2023-2024 academic year opens on October 1st and remains open until June 30, 2024. However to improve your chances of getting more aid, file as soon as you can and certainly well before any applicable deadlines noted below. 
Read Article
College Ave Logo
Edvisors Network

College Ave Student Loan Review

By Edvisors Network
Learn more about College Ave and their undergraduate, graduate, and parent student loan options.
Read Article
Female student smiling while sitting at a desk in front of a chalkboard in her college classroom that says Student Loan
Elaine Rubin

Best Private Student Loans in March 2023

By Elaine Rubin
Compare the best private student loans. Learn about top private lenders who will offer you competitive rates and benefits and how you can easily apply online in minutes.
Read Article
Distressed female student with help sign as she worries about finding money for college
Edvisors Network

Emergency Student Loans

By Edvisors Network
Colleges and lenders have programs in place to help you make ends meet when you need it most. Learn more about emergency help, including federal, state, institutional and private student loan options.
Read Article

Most Popular Student Loan Articles

Elaine Rubin

Parent PLUS Loans vs. Private Student Loans

By Elaine Rubin
Updated on 09/30/2022
Review the pros and cons of Parent PLUS Loans to private student loans. Comparison chart included.
Read Article
Elaine Rubin

Student Loans for Graduate School

By Elaine Rubin
Updated on 05/23/2022
Graduate students can borrow federal and private student loans. Federal student loans include Direct Unsubsidized Loans and Grad PLUS Loans. Private student loans are also available and may offer more competitive rates.
Read Article
Elaine Rubin

Best Student Loan Refinance Companies for March 2023

By Elaine Rubin
Updated on 09/26/2022
The best student loan refinance company for you is the one that offers terms that align with your goals. Current interest rates are as low as 4.47%. Compare student loan refinancing lenders.
Read Article

Student Loans FAQs

  • FAFSA

  • Federal Student Loans

  • Private Student Loans

  • Student Loan Refinance

  • Student Loan Lenders

The information provided on the FAFSA is used by a school to assess a student’s financial need and to determine their eligible for federal student aid.
Read More Info

Parents are sometimes unwilling to submit the Free Application for Federal Student Aid (FAFSA) and/or other financial aid forms. But, parental information is required on the FAFSA of a dependent student, so a dependent student will not be able to qualify for need-based federal student aid without his or her parent’s help. There are many reasons why a parent may be unwilling to complete the FAFSA.
Read More Info

Some students will file the FAFSA, but won’t qualify for need-based student aid such as grants, scholarships that require financial need, and subsidized federal student loans. For example, more than half of undergraduate students who file the FAFSA don’t qualify for a Federal Pell Grant or other federal grants. But you do have options if you didn’t receive any need-based aid.
Read More Info

Check to see if your school participates in federal student aid. If you they do, you will likely need to complete the FAFSA. There are some basic eligibility criteria you need to meet to qualify to receive federal aid. Eligibility requirements include:...
Read More Info

The FAFSA application is used to determine a student’s eligibility for federal student aid, it’s free to complete and submit. Based on the information provided on the FAFSA, you may be offered a federal student loan, if accepted, you will have to repay the loan.
Read More Info

You don’t claim “dependents” on the FAFSA. The FAFSA will ask you to verify household size and the rules for who is in your household are far different than the tax rules used by the IRS to determine a dependent for tax purposes.
Read More Info

Most college students will have to borrow one or more student loans before they graduate, because there aren’t enough government grants to cover all college costs. There are more than $100 billion in new student loans made each year and more than $1 trillion in student loan debt outstanding.
Read More Info

The average student loan debt for a bachelors degree is $36,510 and the average student loan debt for a masters degree is $71,318
Read More Info

It is always best to determine if you have federal or private student loans, and who services them before you start the refinance or consolidation process. To find your federal student loans log into your My Federal Student Aid account with the U.S. Department of Education. For private student loans request your free annual credit report at AnnualCreditReport.com.
Read More Info

Most new private student loans require the borrower to have a creditworthy cosigner. This includes more than 90% of new private student loans to undergraduate students and more than 75% of new private student loans to graduate and professional students. But, what if the student doesn't have a creditworthy cosigner?
Read More Info

There are the obvious expenses you can use your student loans for such as school tuition and fees. However, you can use your student loans to help you cover other education-related costs. Some of those items include:
Read More Info

To qualify for federal, state, and college financial aid for graduate school, you have to submit the FAFSA (Free Application for Federal Student Aid). The FAFSA is required to receive federal and state grants and scholarships, as well as federal student loans, including Perkins Loans, Direct Unsubsidized Loans, and Grad PLUS Loans.
Read More Info

A private student loan is a credit-based loan for college that can cover the gap between financial aid received and the full cost of attendance. Private student loans are issued by private lending institutions, such as banks and credit unions.
Read More Info

Private student loan terms and conditions vary by lender. However, there are some terms and conditions that tend to be pretty similar from lender to lender.
Read More Info

One way to find a private lender that works with your school is to contact your school’s financial aid office, you can also enter your school on the home page of Edvisors.com to see a list of lenders that work with your school.
Read More Info

The exact amount of time it takes to get a private student loan will vary by lender, school, and time of year. Generally, the process can take as little as two weeks and as long as two months.
Read More Info

Unless you have a strong credit rating and history, you will probably need to apply for a private student loan with a credit-worthy cosigner.
Read More Info

Yes, some private student loan lenders offer options for students who are seeking professional training and trade certificate programs.
Read More Info

The answer to this question is “it depends.” If you’re looking at saving money each month on the amount of your student loan payment, you will likely be able to reduce your monthly obligation by extending your repayment term. However, extending your repayment term may cost you more overall in interest paid over time, but can help to reduce your monthly expenditures.
Read More Info

Interest rates on private refinance loans vary by lender, and may be variable or fixed. Typically, the interest rate is based on the credit score of the borrower and the cosigner (if applicable).
Read More Info

A private student loan refinance repayment terms vary by lender, and can be anywhere from 5 to 20 years. The Standard Direct Consolidation Loan repayment period is determined by your total education debt, which considers both federal and private student loan debt. In your application you can report the amount of your private student loans, even though you can't include the actual loans in your consolidation.
Read More Info

If you do not satisfy a lender’s credit criteria, a cosigner may be required. Recent college graduates may not have a long enough credit history or work history to qualify without a cosigner.
Read More Info

When we refer to consolidation, we are talking about the federal student loan consolidation program. This program is only available for federal student loans. Private student loans may not be included.
Read More Info

To refinance your student loans, you need to find a lender that offers student loan refinancing. If you choose to combine your loans into a Direct Consolidation Loan, you will need to submit an application to StudentLoans.gov.
Read More Info

Private student loan lenders are lenders (banks, credit unions, online lenders) offering loans to students looking to pay for college that are outside of the federal student loan program.
Read More Info

In general, private student loans are based upon your creditworthiness. Undergraduate student borrowers, are typically less likely to be able to demonstrate a strong credit history and qualify for a loan on their own.
Read More Info

Good credit is preferred by all private student loan lenders. In general, private student loan lenders are looking for borrowers to have FICO® a credit score of at least 680, a decent debt-to-income ratio, and at least two years of work history.
Read More Info

Federal student loans come from the federal government – U.S. Department of Education. While you may have a loan servicer that is working with the government to accept payments and manage the loan, the loan itself is from the government.
Read More Info

Yes, you can consolidate (i.e., refinance) student loans from different lenders. When you apply to refinance your loans with a private student loan refinance lender, you can include all existing loans you may have, regardless of the lender.
Read More Info

Student loan payments are calculated based upon the terms of your loan. This will include your interest rate, the repayment term of your loan (i.e. the number of years you agreed to pay the loan back within) and the current outstanding balance on your loan.
Read More Info

FAFSA

Jump to category:
  • FAFSA
  • Federal Student Loans
  • Private Student Loans
  • Student Loan Refinance
  • Student Loan Lenders
FAFSA

FAFSA

Elaine Rubin

Filing the FAFSA 2023-24: A Simple Guide for Students

By Elaine Rubin
Updated on 10/01/2022
Elaine Rubin

FAFSA Deadlines for 2023-2024

By Elaine Rubin
Updated on 10/01/2022
Elaine Rubin

Who is My Parent When I Fill Out the FAFSA?

By Elaine Rubin
Updated on 10/01/2022
Elaine Rubin

Filling Out the FAFSA: Minimize the Impact of Assets

By Elaine Rubin
Updated on 10/01/2022
Back to categories
Federal Student Loans

Federal Student Loans

Elaine Rubin

FAFSA® FAQ - Your FAFSA® Questions Answered

By Elaine Rubin
Updated on 10/01/2022
Elaine Rubin

Compare Subsidized and Unsubsidized Student Loans

By Elaine Rubin
Updated on 09/30/2022
Elaine Rubin

The Complete Guide to Federal Undergraduate Student Loans

By Elaine Rubin
Updated on 09/30/2022
Edvisors Network

Financial Aid for Graduate School

By Edvisors Network
Updated on 05/23/2022
Back to categories
Private Student Loans

Private Student Loans

Edvisors Network

Federal vs Private Student Loans: A Comparison

By Edvisors Network
Updated on 09/30/2022
Elaine Rubin

Best Private Student Loans in March 2023

By Elaine Rubin
Updated on 09/23/2022
Edvisors Network

Emergency Student Loans

By Edvisors Network
Updated on 09/23/2022
Tre Norman

Private Student Loan Cosigner: Everything you Need to Know

By Tre Norman
Updated on 09/23/2022
Back to categories
Student Loan Refinance

Student Loan Refinance

Elaine Rubin

13 Common Mistakes to Avoid in Repaying Student Loans

By Elaine Rubin
Updated on 04/06/2022
Elaine Rubin

Best Student Loan Refinance Companies for March 2023

By Elaine Rubin
Updated on 09/26/2022
Elaine Rubin

Student Loan Refinancing and Consolidation: What You Should Consider

By Elaine Rubin
Updated on 01/05/2022
Elaine Rubin

Student Loan Forgiveness: How to Get Student Loans Forgiven

By Elaine Rubin
Updated on 03/03/2022
Back to categories
Student Loan Lenders

Student Loan Lenders

Edvisors Network

Sallie Mae Student Loan Review

By Edvisors Network
Updated on 07/16/2020
Edvisors Network

Nelnet Bank Student Loan Review

By Edvisors Network
Updated on 02/21/2021
Edvisors Network

College Ave Student Loan Review

By Edvisors Network
Updated on 07/17/2020
Edvisors Network

ELFI Student Loan Review

By Edvisors Network
Updated on 10/06/2022
Back to categories
×
You Got In - Now How Do You Pay for It?

Get the money you need from leading lenders

1 Pick Your College
2 View Your Options
3 Click to Apply
Exit Modal

PrivateStudentLoans.com recommends you consider all financial aid alternatives including grants, scholarships and federal loans (Federal Stafford, Federal Parent PLUS, Federal Grad PLUS) prior to applying for private student loans.

Could You Be Saving More?
Subscribe to Edvisors' Student LIFE Newsletter to receive up-to-date financial aid information and advice, explore scholarship opportunities, loan repayment options, and learn expert strategies on how to plan and pay for college.
Newsletter Form
By clicking "Subscribe" I have read and agree to the Edvisors' Terms of Use and Privacy Policy. We strongly encourage you to read our Privacy Policy to understand how we use and share your information.
Thank you for subscribing to our newsletter.
We care about your privacy

This website uses cookies to offer you the most relevant marketing and targeted advertisements.  These cookies can collect information to personalize your experience and in some states are considered a sale of your personal information. You may exercise your right to opt out by clicking on deny cookies.  If you opt out, we or our partners will not be able to provide you with personalized ads and we will not provide your personal information to any third parties.   Please accept cookies for the optimal experience.  You can withdraw or modify your consent for non-essential cookies at any time by visiting Cookie Preference page.

Ask the Edvisor
Blog
Contact Us
Edvisors in the News
Link to Us
Newsletter
Partners
Press
Student Aid FAQ
Testimonials
Tools and Calculators
About Edvisors
Video Resources
Financial Terms Glossary
Accessibility Statement
Sitemap
Disclaimer
Notice of Collection
Interest-Based Ads
Cookie Settings
Privacy
Terms of Use
Your Opt-out Rights
Your Privacy Choices Privacy Options

Better Business Bureau logo

Edvisors provides expert advice on planning and paying for college. On Edvisors.com easily compare student loan lenders, learn how to apply for financial aid, and discover scholarships. Learn about federal and private student loans for students and parents, how and when to apply to college, and more!

Edvisors (“Edvisors Network, Inc.”) provides independent advertising-supported platforms for consumers to search compare and apply for private student loans. Loan offers from participating lenders that appear on our websites are not affiliated with any college and/or universities, and there are no colleges and/or universities which endorse Edvisors’ products or services. Lender search results do not constitute an official college preferred lender list. Edvisors receives compensation from lenders that appear on this site. This compensation may impact the placement of where lenders appear on this site, for example, the order in which the lenders appear when included in a list. Not all lenders participate in our sites and lenders that do participate may not offer loans to every school.

Edvisors is not a lender and makes no representations or warranties about your eligibility for a particular loan or financial aid. Lenders are solely responsible for any and all credit decisions, loan approval and rates, terms and other costs of the loan offered and may vary based upon the lender you select. Please check with your school or lender directly for information related to your personal eligibility.

Edvisors has endeavored to provide accurate information. However, the results provided by lenders are for illustrative purposes only and accuracy is not guaranteed, as such, Edvisors assumes no responsibility for errors or omission in the information provided.

Copyright © 1998-2023 by Edvisors Network, Inc. All rights reserved.

All other trademarks and service marks displayed on Edvisors Network, Inc. websites are the property of their respective owners.

Edvisors Network, Inc. 350 S. Rampart Blvd, Suite 200, Las Vegas, NV 89145

Copyright © 2023 by Edvisors.com. All rights reserved.