Before you apply, review our eligibility requirements and gather the following information. If you are applying jointly with a creditworthy cosigner please make sure your cosigner is available and also has the applicable information below.
Solo application: the student borrower must have an annual income of at least $25,000.00 to be eligible for this loan.
Joint application: the student borrower must have an annual income of at least $25,000.00 to be eligible for this loan. The cosigner must have an annual income of at least $25,000.00 to be eligible for this loan.
Before you apply, review our eligibility requirements and gather the following information:
- Social Security Number
- Driver's License Number
- Contact Information (for one reference)
- Payoff Information (from loan servicer for the loans you wish you consolidate)
- Graduation Date
- Income Information
In order to be conditionally approved an applicant or the creditworthy cosigner (if applicable) should be able to satisfy one of the following requirements:
- Can provide proof of employment and demonstrate income from such employment (for example, paystub).
- Be self-employed and can demonstrate income from such employment (for example, a copy of the most recent year federal tax return).
- Retired and can demonstrate income.
- Receive other income that can be demonstrated as continuous and reliable (for example, protected income such as alimony, child support, etc.).