How to get a student loan? Need a Federal student loan yet have
bad credit? It's easy -
apply now, or speak with one of our Student Loan Consultants at
(toll-free) 1-877-663-7467 about which higher education student loan you may qualify for that's right for
you.
When it comes to student loans, Federal Student Loans,
PLUS Loans and OneSimpleLoan® (OSL) Private Loans are less expensive and more "borrower-friendly"
than
consumer loans, credit cards, and home equity loans.
Apply now for your student loans!
Federal Student Loans
One of the most affordable student loan options are federal student loans, which include
Stafford loans for
students and PLUS loans for parents.
Interest
rates for these Federal student loans are significantly lower than those of personal loans, credit
cards and even home equity loans! (And if you need more funding,
OSL Private Student
Loans from from Chase also
offers interest rate savings.)
Many are available regardless of income level and, in some cases, the government pays
all the loan interest while you're attending school.
These student loans are usually eligible for consolidation
after graduation, providing long-term financing flexibility as you continue on to graduate school
or opt to join the working world!
Federal Stafford
Loans - Stafford Loan rates are lower than other forms
of consumer financing, and repayment is postponed until you
are out of school. Stafford loans are available as subsidized (need-based) or unsubsidized
(non-need-based) student loans.
Federal PLUS Loans -
Parent Loans for Undergraduate Students, known as PLUS loans, helps parents borrow funds on behalf
of their college-bound children.
Private Student Loans
If scholarships, grants, work-study and/or federal student loans programs don't cover the entire
amount of education-related expenses, an OSL Private Student Loan
from Chase, also known as an alternative loan, is an excellent alternative to conventional consumer or bank
loans. If you have a number of private loans, a private loan consolidation may be a prudent move to better
manage your education debt.
Private Loans from OneSimpleLoan
Also called "alternative loans" or "non-federal student loans," private loans are credit-based education loans that
are not guaranteed by the
federal government. However, the lending limits are higher than federal student loans, which can
help pay for expenses not covered by federal loans or other aid and complete your financial aid portfolio. Private
loans can be used for education-related expenses--not just tuition--including fees, books, room and board, computer,
commuting, and even housing expenses!Hint: If you wish to apply for a private loan yet have no credit or
poor credit, having a creditworthy co-signer may improve your chances of not only getting approved for a private loan
but also getting the full amount that you wish to borrow, up to lender maximums.
Bad credit? Don't worry!
Need to finance your education even with bad credit? If you have bad credit, you
may still qualify for a Stafford loan or PLUS loan. If you don't quite qualify
for a PLUS loan, a qualifying co-signer may still enable you to receive the
funds you need to pay for your child's education.
Not sure if you qualify, or don't have a qualifying cosigner? Want to know your credit score? Not a problem...OSL
can help. We've joined forces with InCharge,
a highly-reputable non-profit credit counseling company, to help individuals improve their credit rating and better
manage their debt, including credit card debt. To enroll, call toll-free 866-729-0059 (lines are open 7 days a week),
or click here to visit their web site. There
is no fee to speak with a credit counselor.
If you still have questions regarding a private student loan, please be sure to
call 800-756-6204.
Let OneSimpleLoan Student Loan Solution help ... Apply today!
Whether you know what kind of loan you need or not, or not sure about your creditworthiness, our Student Loan
Consultants can help you every step of the way.
* During in-School, grace and deferment periods, rate is based on 91-Day T-Bill + 1.7%, up to
a maximum of 8.25%
** During repayment period, rate is calculated on 91-Day T-Bill + 2.3%, up to a maximum of 8.25%.
*** PLUS Loan Rate is based on 91-Day T-Bill + 3.1%, up to a maximum of 9.00%.
**** Private Loan Rate is variable, based on LIBOR rate plus a margin
Federal Loan Rates are adjusted on July 1 of each year.
Private Student Loans