While federal student loans don’t require a credit check, private student loans do. Typically, lenders look for a positive repayment history and a credit score in the upper 600s or higher. You may also have to meet the minimum income requirement to prove that you can repay your student lo...
Remember, although private student loans can help finance your higher education, it's also essential to utilize federal student aid such as grants, scholarships, andfederal student loans. Federal loans offer unique benefits like income-driven repayment plans that can adjust based on your income. How...
How student loans compare to other debt types Steps to apply for a student loan In a nutshell Share this What is a student loan? A student loan is a financial product that approximately 43 million Americans actively use to fund their education. There are many types of loans, each wit...
Applying for Private Student Loans To apply for a private loan, you don’t need to file a FAFSA. You’ll need to apply with an individual lender. The lender will check your credit score and often requires a creditworthy cosigner. It is helpful to apply to multiple lenders to find the be...
Applying for federal student loans To apply for a federal student loan, you must first fill out theFree Application for Federal Student Aid(FAFSA®).Deadlines to submit the FAFSA formusually fall at the end of June. But remember, financial aid is sometimes provided on a first-come, first-...
How to Apply for Private Student Loans For private loans, you apply directly with the financial provider. Be sure to shop for best rates and payment terms, and see if your school has a preferred private loan provider. When borrowing money for college, you should always exhaust your federal ...
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If you’re having financial difficulties and you’re paying off student loans you might be considering requesting student loan deferment or forbearance.
If you have federal student loans and are on the fence about refinancing, proceed with caution. Once you move forward with a private loan, you can’t revert back to a federal student loan to take advantage of the key benefits they offer. So, do your homework to ensure you’re making a...
Having less-than-stellar credit can make it difficult to qualify for student loans. Private lenders will consider your income and credit history; as a college student, you likely have poor credit or no credit. However, some lenders offer student loan options for borrowers with bad credit. Gener...