Note: We don't encourage you to use private student loans as your only source of financial aid. You should first get all of your eligible federal student loans, scholarships, grants and other federal and college aid before applying for private student loans. Use private student loans to help make up the difference from the total cost of education and the federal aid received.

We recommend that you first build out a budget plan to list all of your aid sources. Then budget your college start-up costs and monthly expenses. Apply for private student loans only when you need extra funds. There are no application deadlines with private student loans. You can apply at anytime when you need extra cash.

We invite you to visit our SayStudent.com aid center for information about federal student loans, scholarships, grants, college aid, and other financial aid information.

Legal Notes

1 Undergraduate and graduate borrowers may borrow annually up to the lesser of the cost of attendance or $30,000 ($40,000 for certain schools where the cost of attendance has been determined to exceed $30,000). Borrowers in Continuing Education may borrow up to $30,000. Subject to credit approval.

2 Undergraduates may defer repayment until six months after graduation or ceasing to be enrolled at least half-time. Immediate and interest only repayment options are also available. Graduate repayment is automatically deferred. The terms of deferral of Continuing Education loans varies with program type. K-12 loans are immediate repayment loans.

The lender for the SayStudent Private Student Loan program is RBS Citizens, N.A., Member FDIC and Equal Opportunity Lender. RBS Citizens, N.A. may sell your student loan to a third party. RBS Citizens, N.A. will only sell your student loan if the third party agrees to honor all of RBS Citizens, N.A.'s promises to you, including all promised benefits that you will receive or might become eligible for during the loan repayment period.