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The loan options below represent private student loan products for undergraduate students.  You are STRONGLY encouraged to exhaust all grants, scholarships and Federal loan options prior to considering a private student loan.  You may qualify for Federal education loans, which usually have terms that are more advantageous to the borrower than terms available under private loan programs.  For additional information, contact your school's financial aid office or the Department of Education at federalstudentaid.ed.gov

 

If you live OR attend college in the following states, be sure to review this information state alternative loan programs (click on the links to get specific information about your state's alternative loan program):  Alaska, Connecticut, Iowa, Maine, Massachusetts, Minnesota (SELF Loan and ND DEAL Program) Montana (through ND DEAL Program), New Jersey, New York, North Dakota, Rhode Island, South Dakota (through ND DEAL Program), South Carolina, Texas, Vermont, Wisconsin (through ND DEAL Program) and Wyoming (through ND DEAL Program).   Before making a final decision about your private loan, please review the SLA Private Loan Guide.  For additional detail about the structure of the credit union private student loans listed below, review this recent SLA Blog post.

 

Stay informed by reading SLA's Paying for College Blog which will provide you with "all the things you need to know about paying for college in these challenging economic times from an independent and unbiased viewpoint."

 

Once you have applied for a loan, please complete this short survey to tell us about your experience.

 
Lender Rating (Out of 5 Stars) Current Starting Interest Rate Between Origination / Repayment Fees Savings Opportunities Disclosures
First Tech Credit Union Private Student Loan
6% (Floor Rate) None

- 0.25% interest rate reduction for auto-debit payments

Click Here
NASA FCU Private Student Loan
6% (Floor Rate) None - 0.25% interest rate reduction for auto-debit payments Click Here

Northwest FCU Private Student Loan

6% (Floor Rate) None - 0.25% interest rate reduction for auto-debit payments Click Here
Citizens TruFit Student Loan
1/2
3.19% and 9.94% None - 0.50% interest rate reduction for auto-debit payments Click Here
Charter One TruFit Student Loan
1/2
3.19% and 9.94% None - 0.50% interest rate reduction for auto-debit payments Click Here
cuStudentLoans
3.20% and 9.20% None - 1% interest rate reduction once 10% of the loan has been repaid Click Here
Discover Student Loans Certified Private Loan
3.75% and 9.50% None

- 2% principal reduction upon graduation

- 0.25% interest rate reduction for auto-debit payments

Click Here

 

Wells Fargo Collegiate Loan
3.50% and 9.99% None

- 0.5% interest rate reduction upon graduation

- 0.25% interest rate reduction for auto-debit payments

Click Here
Sallie Mae Smart Option Loan
2.25% and 10.13% None

- 0.25% interest rate reduction for auto-debit payments

- Tuition insurance benefit

Click Here

Citibank CitiAssist Loan

1/2

3.63% and 9.38%

0% to 3%

- 0.25% interest rate reduction for auto-debit payments

Click Here

 

Student Lending Analytics (SLA) is an independent research and advisory firm and is not a lender.  SLA receives NO compensation from any lenders for our ratings service nor for any referrals that they may receive through this website.  While SLA has made every effort to confirm each of the lender loan terms described above, it assumes no responsibility for typographical or other errors or omissions in the information provided.  SLA makes no representations or warranties about your eligibility for a particular loan. SLA recommends that you carefully review each lender's loan application and promissory note for final loan terms, including Savings Opportunities.  Savings Opportunities may not be automatically available and you may not be eligible for certain Savings Opportunities.

 

For details on the factors considered in rating the lenders click here

Date of last update:  April 28, 2012