Simple Application Process

The initial application takes about 15-20 minutes to complete. You'll receive an instant preliminary decision. Final approval typically takes 2-5 business days after all required documents are submitted. The entire process from application to funds disbursement usually takes 2-3 weeks.

International students typically require a cosigner who is a U.S. citizen or permanent resident. Domestic students with established credit may qualify without a cosigner, but having one can help you secure a lower interest rate. We offer cosigner release after 24-48 months of on-time payments.

This depends on the repayment option you choose. With immediate repayment, you'll start paying principal and interest right away. With deferred repayment, you won't need to make payments while you're in school and during your 6-month grace period after graduation. Interest-only options allow you to pay just the interest while in school.

Yes! Our loans can be used for study abroad programs as long as they're approved by your home institution. We can also fund full degrees at international institutions that meet our eligibility requirements. The funds can cover tuition, room and board, travel expenses, and other education-related costs.