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Option to make interest-only payments for the first 12 months after your grace period. Sallie Mae review Is a private student loan right for you? federal student loans How to get a student loan without a co-signer Student loans for borrowers with bad credit or no credit Before you apply for a private student loan, fill out the Free Application for Federal Student Aid, known as the FAFSA, to see if you’re eligible for federal grants, loans and work-study programs.
All students, regardless of financial need, are eligible for unsubsidized federal student loans.
Federal student loan limits vary based on whether you’re an independent or dependent student; the type of degree you’re pursuing (undergraduate or graduate); and, for undergraduates, your year in school.
If you borrow the maximum amount of federal student loans and still don’t have enough to cover your costs, you may have to take out private loans.
If you do need to take out private student loans, check out the five options we’ve listed to find the best lender for you. Discover review College Ave logo Get Started Fixed: 4.55% to 7.50% Variable: 3.88% to 6.88% Payment deferral while in school. College Avenue review Citizens Bank logo Get Started Fixed: 3.74% to 11.75% Variable: 2.99% to 9.99% Payment deferral or interest-only payments while in school.
Private student loan options Lender APR ranges* Borrower protections Nerd review Common Bond Get Started Fixed: 5.50% to 9.67% Variable: 2.88% to 8.72% Payment deferral while in school. Common Bond review Discover logo Get Started Fixed: 6.24% to 11.99% Variable: 3.99% to 10.99% Payment deferral while in school. Citizens Bank review Sallie logo Get Started Fixed: 5.74% to 12.87 Variable: 3.00% to 12.37% Payment deferral or interest-only payments while in school.
When you enter principal and interest repayment, Unpaid Interest will be added to your loan’s Current Principal.Private student loan repayment options Private student loans don’t tend to come with as robust of repayment options as federal loans do, but there are a few options to help ease your debt. This is the best thing you can do if you’re struggling to make your monthly payments. Loans are offered by Common Bond Lending, LLC (NMLS # 1175900).Your lender may be willing to offer you flexible repayment options, such as a loan modification, or offer you deferment or forbearance. If you have good credit and a stable income, you may be able to get a lower interest rate through student loan refinancing. If you are approved for a loan, the interest rate offered will depend on your credit profile, your application, the loan term selected and will be within the ranges of rates shown.Zap File respects your privacy and will never sell, trade, or give away any of your personal information. We're Here - Anytime Zap File never sleeps; we are here for you 24/7.We invite you to email us with any questions regarding our services.