Certified private loans help supplement your other sources of financial aid, giving you the flexibility to cover up to 100% of your college expenses. Our certified private loans come with zero up-front fees and a 2% Graduation Reward. That's a 2% cash reward on your outstanding principal balance at graduation. And you won't have to make any payments while you are enrolled in school at least half-time.

Out Private Loans come with the following terms:

• Variable interest rates from Prime minus 0.50% (currently 2.75%) to Prime plus 4.75% (currently 8.0%), based on credit evaluation
• 0.25% repayment interest rate credit when payments are set up for automatic debit from a bank acount
• Zero origination fees
• Zero guarantor fees
• Zero prepayment fees
• Zero payments until 6 months after graduation or enrollment in school less than half-time
• 15 year repayment period
• 2% Graduation Reward based on your outstanding principal balance (see Graduation Reward Policy)
• Loans up to 100% of your Cost of Attendance minus other aid, based on school certification.