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Financial aid and Scholarship Services                   West Campus Code: 00                      
HSC Campus Code: 01

 Private Education Loan Comparison Guide

Lender

Citizens Bank 

Commerce Bank

Discover Bank

MPower
Financing

Sallie Mae Bank

Union Federal 

Wells Fargo 

 

Citizens Bank Student Loans

Commerce Bank Your Future Education Loan

Discover Student Loans

MPOWER No-Cosigner Private Loan

Sallie  Mae Smart Option Student Loan

Union Federal Private Student Loan

Wells Fargo Collegiate Loan

Phone

800-708-6684

855-342-2006

800-788-3368

202-436-9908

877-279-7172

866-296-3637

877-451-5039

Minimum

Enrollment

Requirements

 

 

Matriculation

Requirements

None

 

   

 

6+ credits


 

 

 

 

Non-Matric

Eligible

 

   

 

Citizen

Requirement

US citizen or permanent resident

 

 

 

 

 

International student studying in the U.S. with a credit worthy U.S. citizen or permanent resident cosigner

 


 

 

 

International

student w/in

2 yrs of graduation

no co-signer

             

Satisfactory Academic Progress Required

 

 

 

 

 

 

Prior Balance

If student is no longer enrolled, they must apply within 30 days of the loan period end date.

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Immediate prior semester

             

Fewer than 365 days from enrollment end date to the first disbursement of the loan

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Other

Up to 180 days after enrollment period.

 

 

 

None available for past due balances

 

 Up to 360 days from date of application

 

 

 

Up to 90 days after the academic period end date.

 

Interest Rate

(Undergrad)

Variable

 

 

3.28% - 10.28%

APR

 

2.87% - 9.91%

APR

 

 

3.87% - 10.12%

APR

 

 

 

N/A

 

3.25% - 10.22%


APR

 

 

4.115% - 9.515%


APR

  

4.25% - 10.74%


APR

Fixed

5.75% - 11.49%

APR

5.74% - 11.85%

APR

 

6.24% -12.49%

APR

9.99% -13.99%

APR

5.74% - 11.85%

APR

 

4.60% -     10.50%

APR

6.49% - 12.39%

APR

Interest Rate (Grad)

Variable

 

3.28% - 10.28%

APR

 

2.87% - 7.86%

APR

 

3.87% - 11.12%

APR

*Medical Loans Available

 

 

3.25% - 8.21%

 APR

 

 

4.115% -   9.515%

APR

 

 

5.24% - 10.74%

APR

Fixed

 

5.25% - 11.49%

APR

 

5.74 - 8.56%

APR

 

 

6.24% - 12.99%

APR

 
7.99% - 11.99%

APR

 

5.74% - 8.56%

APR

 

 

4.60%  - 10.50%

APR

 

7.24% - 12.14%

APR

In School Deferment

 

Origination Fee

None

None

None

5%

None

None

None

Co-Signer Release

   No Co-Signer Required

Borrower Benefits

Automatic Payment Discount

Yes

(.25%)

Yes

(.25%)

Yes

(.25%)

 Yes

(.25%)

Yes

(.25%)

Yes

(.25%)

Yes

(.25%)

Quarterly FICO Score

 

 

 

 

 

On-Time Payments Reward

 

 

 

 .25% after 24 mo. on-time payments

 

.25% after 24 mo. on-time payments  

Cash Rewards for good grades

 

 

 

 

 

 

Loan Forgiveness

 

 

 

 

 

Other

-The Citizens Bank Loyalty Benefit (.25%)

 

-Auto Debit Reward (.25%)

-Zero fees

 

-Smart Reward 2% cash back

-Upromise Loan Link

-Graduation Reward

-Student Loan Relationship Discount

Min. Amount

$1,000

$1,000

$1,000

 $1,800

$1,000

$1,001

$1,000

How to Apply

Link Link Link Link  Link Link Link

Disclosure

Citizens
Bank
Disclosure

Commerce
Bank
Disclosure

Discover Disclosure 

MPower
Disclosure

Sallie
Mae
Disclosure

Union
Federal
Disclosure

Wells
Fargo
Disclosure

Medical Loans Available, **SAP=Satisfactory Academic Progress                                      

 ***IRR = Interest Rate Reduction Borrower benefits are subject to change solely at the discretion of the lender.

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