Banks For Student Loans

5 min read

A lot of people want to get student loans. I don’t know if anyone here gets them, but I did (for undergrad). If you do, they’re pretty great. We were able to borrow upwards of $50k per year at low interest rates while still paying off our parents’ house and car payments, etc.

I was lucky enough to have my dad work at a bank while I was going to school, so he got me a job working there. And it’s not just any old bank – it’s called Citizens Bank. I worked there for three years after graduating and now I’m back working there again!

It’s actually pretty amazing how much we help students with their finances. As a matter of fact, we even helped one girl pay her tuition while she was doing her Masters. She had been making some bad financial decisions. But once she started talking to us about the loan options, everything changed.

If you need student loans, check out Citizens Bank. If you need a bank, check out Citizens Bank…

Banks For Student Loans

CitiBank

Citibank offers a small business loan program for students without collateral. To qualify, applicants need to demonstrate at least $10,000 in annual income along with a 3-month history of employment. After approval, they may borrow between $7500 and $20,000 per year. Interest rates range from 4.99% – 6.74%. Repayment terms are flexible, ranging from 12 months to 5 years.

Capital One

Capital One offers student loans at competitive interest rates. Their loans vary from 1% APR (fixed rate) to 8.9% APR (variable), depending on credit score, amount borrowed, type of loan, and term. Loan amounts start at $500 and go up to $35,000.

Discover Bank

Discover bank provides several different types of personal loans including education loans, auto loans, and unsecured installment loans. In order to apply for any of these loans, applicants must have a good credit rating and proof of income. Discover generally requires that borrowers provide 3 months’ worth of paystubs. Rates typically start at 2.24% APR and can go up to 17.24% APR.

Wells Fargo

Wells Fargo offers two types of educational loans: direct and parent. Direct educational loans require that borrowers provide full time employment or financial aid to cover tuition costs. Parental educational loans require that parents sign an agreement guaranteeing repayment. Borrowers who receive assistance from their parents may not qualify for parental loans.

Sallie Mae

Sallie Mae offers four types of loan programs for college students: Federal PLUS Loans, Private Education Loans, Subsidized Stafford Loans, and Unsubsidized Stafford Loans. Students who receive federal subsidized loans do not have to repay them until after graduation. Parents of eligible students may also take out private loans. These loans are fully guaranteed by the government, meaning no payments are due unless the borrower defaults on the loan.

Chase Bank

Chase Bank offers a number of different types of educational loans, including Federal Perkins Loans, Federal Family Educational Loans, and Private Education Loans. They offer both unsubsidized and subsidized options that allow applicants to borrow up to $31,000 per academic year.

American Express

American Express offers three types of student loans: Federal Direct Loans, Federal Consolidation Loans, and Private Education Loan. Rates start at 2.90% APR for private education loans and rise to 10.15% APR. Both fixed and variable rates are available.

Banks For Student Loans

I am not sure if I should call them banks really. There’s nothing much to offer at these places except loans. They may seem safe, but they’re definitely not.

If you have no idea what’s going on, you might end up losing money instead of gaining it. That’s because student loan companies don’t care whether you pay back their loans or not. So, sometimes borrowers are stuck with high interest rates and even bad credit.

But don’t worry! You can get out of this situation without paying a dime. Here’s how.

Find Out Whether Your Credit Is Good Enough

First thing first! Take a look at your credit report. If your score isn’t great, there’s no point in getting a loan from any company. In fact, some lenders won’t even consider applicants with less than 700 points. While others want just 700 points or higher. So, before applying for a loan, make sure your credit history is clean. You can do this for free at www.annualcreditreport.com.

Don’t ignore your credit score though. Make sure you know what number it is. Then, check with another lender and find out what kind of interest rate they offer. Apply online for a loan only if offers a good deal.

Get A Loan From An Alternative Lender

Sometimes, the best way to handle bad credit is to seek help elsewhere. One alternative lender worth checking out is www.studentloansonline.gov. Look for lenders offering competitive low-interest loans. Don’t forget to read reviews about them online.

Reduce Debt Before Applying For A Loan

There’s one last step before applying for a loan. Reduce your debt. Pay off debts such as medical bills, car payments, and student loans. This is necessary to improve your chances of receiving financial aid.

Remember that reducing your debt doesn’t mean you’ll never own a home again. Even if you take on a huge mortgage payment each month, you’ll still have enough money left over to save. So, you’ll end up owning a house someday.

So, apply for a loan now and pay off debts later. It’s a smart move!

Banks For Student Loans

I know we are all tired of hearing about student loans and how hard they really are to pay back, but I have seen this issue many times over my lifetime. My parents had student loans before me and I am sure their kids did too. A lot of people don’t realize what kind of loan they actually get when they go to school. If you have any questions let me know!

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Banks For Student Loans

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