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When you need money for college
... FAST!
You know what we are talking about. All of your —
- government student loans,
- scholarships,
- grants,
- and savings — don't add up to pay the full cost.
And the tuition bill is
due!
That is when you 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 ... just in time.
Loan
Benefits and Advantages |
| • |
competive interest rates |
• |
fast, easy, no hassle
application process |
| • |
no application fees or other out-of-pocket
fees |
•
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funding in as few as 5 business days
from receipt of completed application |
| • |
preliminary approval within 15 minutes
if applying by web or phone |
| • |
generous loan amounts: see loan limits
below |
| • |
no repayment option until after you
graduate |
| • |
no prepayment penalty |
| • |
available for past due tuition balances,
too |
| • |
funds disbursed directly to you! |
| How
Much You Can Borrow |
| • |
borrow from $1,500 up to $30,000 annually |
| • |
$130,000 aggregate maximum borrowing
limit |
| • |
$1,500 minimum loan amount |
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More information
available below:
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or dial
speak with a financial specialist |
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| Notes |
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Loan Calculators |
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Use this Tracking Sheet to Manage College Costs
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 Private
Student Loans for Undergraduates
Whether you've just graduated from high school or you're going
back to college, the START Undergraduate Loan could be for you.
Students enrolled at least half-time can borrow from $1,500
to the estimated annual program expense at your school ($30,000
annual maximum, $130,000 aggregate maximum).
Three repayment options available — including full
deferral of both principal plus interest until six months
after you graduate or cease to be enrolled at least half-time.
For more information:
link
to the START Undergraduate brochure
Loan Benefits
and Advantages |
| • |
competive interest rates |
• |
fast, easy, no hassle
application |
| • |
no application fees or other out-of-pocket
fees |
| •
|
funding in as few as 5 business days
from receipt of completed application |
| • |
preliminary approval in as little
as 15 minutes if applying by web or phone |
| • |
generous loan amounts: see loan limits |
| • |
repayment may be deferred until after
graduation |
| • |
no prepayment penalty |
| • |
available for past due tuition balances,
too |
| • |
funds disbursed directly to you! |
Loan Limits |
•
|
borrow annually up to
the lesser of $30,000 or the estimated annual cost of
attendance |
| • |
$130,000 aggregate maximum
borrowing limit |
| • |
$1,500 minimum loan amount |
Repayment Options |
| • |
choose from 3 different
repayment options, including payment deferral until six
months after you graduate or cease to be enrolled in school
at least half-time |
| • |
favorable repayment terms* |
| • |
no pre-payment penalties |
| • |
minimum monthly payment of $25* |
|
Loan Eligibility |
| • |
an undergraduate student
enrolled in a degree or certificate program |
| • |
enrolled at least half-time as
defined by your school |
| • |
attending a TERI-approved school*
(call 1-800-255-TERI) to confirm eligibility of school) |
| • |
proof of enrollment must be provided |
|
Credit Guidelines |
You must meet the credit
guidelines below
(a co-signer may be required): |
| • |
satisfactory credit history,
residence and employment history of at least two
years |
| • |
proof of current income |
| • |
if self-employed, verifiable business
income for at least two
years |
| • |
U.S. citizen or permanent resident
and have resided in the U.S. for the previous two
years |
•
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international students must apply
with a qualified credit-worthy U.S. citizen or permanent
resident co-signer |
Deferment
Options |
| • |
immediate repayment:
pay principal and interest in a fixed monthly amount beginning
approximately 45 days after funds are disbursed. |
| • |
interest-only payments:
defer principal and pay only interest while you are
enrolled in school for up to four consecutive years
(up to five years if enrolled in a five-year program).
Interest payments begin approximately 45 days after
disbursement. Repayment of principal and interest begins
approximately 45 days after you graduate or cease to
be enrolled at least half-time |
| • |
deferred principal and
interest repayment:
make no payment while in school for up to four consecutive
years (up to five years if enrolled in a five-year program).
Repayment of principal and interest begins approximately
180 days after you graduate or cease to be enrolled
at least half time in school. Deferred interest is capitalized
quarterly prior to repayment and once at repayment. |
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or dial
speak with a financial specialist |
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| Notes |
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Loan Calculators |
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Use this Tracking Sheet to Manage College Costs
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Private
Student Loans for Graduate and Professional Students
Need help financing your graduate education?
A START Graduate Loan is designed to give you the flexibility
you need to manage your education expenses. Additional
deferment available for medical students in an internship
or residency program.
You may apply with a co-signer or on your own signature.
For more information:
download
the START Graduate brochure
Loan Benefits
and Advantages |
| • |
competive interest rates |
• |
fast, easy, no hassle
application |
| • |
no application fees or other out-of-pocket
fees |
| •
|
funding in as few as 5 business days
from receipt of completed application |
| • |
preliminary approval in as little
as 15 minutes if applying by web or phone |
| • |
generous loan amounts: see loan limits |
| • |
repayment is deferred until after
you graduate or cease to be enrolled at least half-time |
| • |
no prepayment penalty |
| • |
available for past due tuition balances,
too |
| • |
funds disbursed directly to you! |
Loan Limits |
•
|
borrow annually up to
the lesser of $30,000 or the estimated annual cost of
attendance |
| • |
$130,000 aggregate maximum
borrowing limit |
| • |
$1,500 minimum loan amount |
Repayment Terms |
| • |
favorable repayment
terms* |
| • |
no pre-payment penalties |
| • |
minimum monthly payment of $25* |
|
Loan Eligibility |
| • |
a graduate or professional
student enrolled in a degree or certificate program |
| • |
enrolled at least half-time as
defined by your school |
| • |
attending a TERI-approved school*
(call 1-800-255-TERI) to confirm eligibility of school) |
| • |
proof of enrollment must be provided |
|
Credit Guidelines |
You must meet the credit
guidelines below
(a co-signer may be required): |
| • |
satisfactory credit history,
residence and employment history of at least two
years |
| • |
proof of current income |
| • |
if self-employed, verifiable business
income for at least two
years |
| • |
U.S. citizen or permanent resident
and have resided in the U.S. for the previous two
years |
•
|
international students must apply
with a qualified credit-worthy U.S. citizen or permanent
resident co-signer |
Deferment Terms |
| • |
principal and interest
are automatically deferred for up to 4-1/2 years as long
as you are continuously enrolled at least half time in
school (includes six-month grace period) |
| • |
medical school students may request
an additional deferment after gradution for up to four
years while completing an intership or residency |
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or dial
speak with a financial specialist |
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| Notes |
|
Loan Calculators |
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Use this Tracking Sheet to Manage College Costs
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For Continuing Education Students
Now that you've chosen your continuing education program, it's
time to think about paying for it.
The START Continuing Education Loan is designed to help students
attending school on a part-time basis. Repayment may be deferred
for up to 2 years.
For more information:
download
the START Continuing Education Loan brochure
Loan Benefits
and Advantages |
| • |
competive interest rates |
• |
fast, easy, no hassle
application |
| • |
no application fees or other out-of-pocket
fees |
| •
|
funding in as few as 5 business days
from receipt of completed application |
| • |
preliminary approval in as little
as 15 minutes if applying by web or phone |
| • |
generous loan amounts: see loan limits |
| • |
repayment is automatically deferred
for up to two years, depending on enrollment status and
program type |
| • |
no prepayment penalty |
| • |
available for past due tuition balances,
too |
| • |
funds disbursed directly to you! |
Loan Limits |
•
|
borrow from
$1,500 to $30,000 a year |
| • |
$130,000 aggregate maximum
borrowing limit |
Repayment Terms |
| • |
favorable repayment
terms* |
| • |
no pre-payment penalties |
| • |
minimum monthly payment of $25* |
|
Loan Eligibility |
| • |
enrolled in a degree
program less than half-time as defined by your school
or enrolled in a certificate or technical training program |
| • |
attending a TERI-approved school*
(call 1-800-255-TERI) to confirm eligibility of school) |
| • |
proof of enrollment must be provided |
|
Credit Guidelines |
You must meet the credit
guidelines below
(a co-signer may be required): |
| • |
satisfactory credit history,
residence and employment history of at least two
years |
| • |
proof of current income |
| • |
if self-employed, verifiable business
income for at least two
years |
| • |
U.S. citizen or permanent resident
and have resided in the U.S. for the previous two
years |
•
|
international students must apply
with a qualified credit-worthy U.S. citizen or permanent
resident co-signer |
Deferment
Terms |
| • |
for certificate/degree
granting programs:
repayment is deferred until the earlier of
- two years after the first disbursement,
- six months after graduation, or
- six months after enrollment has ended
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for non-certificate/non-
degree granting programs: repayment may be
deferred until the earlier of
- six months after end of the academic period for
which the loan is taken, or
- six months after enrollment has ended
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