Canadian Student Loan Program

For Canadian students studying or planning to study in the USA, we offer the Canadian Student Loan. Students applying for the Canadian Student Loan will require a US citizen or permanent resident co-signer.

Formerly, we offered the CanHelp loan, which was available with a Canadian co-signer; however, as of April 18, 2008 the CanHelp loan has been discontinued and is no longer available. Instead of the CanHelp, Canadian students can now apply for a Canadian Student Loan for study in the USA.

Canadian students can apply to borrow up to the total cost of attendence for their school, less other aid received. Canadian students are required to have a US Citizen or permanent resident as a co-signer to apply for this loan.

These loans also offer:

• Flexible repayment terms
• Loans are accepted at thousands of approved schools
• Competitive interest rates
• No application fees

Learn more about the Canadian Student Loan Program:

http://www.internationalstudentloan.com/canadian_student/

Student Loans for US Students Abroad

Stafford Loans, Study Abroad Loans, and Foreign Enrolled Loans

Over 200,000 US Citizens study abroad each year, and this number is set to increase dramatically over the coming years. Funding for such programs is hard to come by, however International Student Loan can now provide you with loans specifically designed for those who are studying abroad, are foreign enrolled in a school abroad or Stafford Loans. As always, US citizens should maximize their borrowing under Stafford and other federally subsidized loans before resorting to private loans.

Please learn more about your various loan options:

Study Abroad Loans

More information | Apply Online
The Study Abroad Loan Program is available to US citizens and permanent residents who are still enrolled at their school in the USA, but are traveling for a semester or two on a study abroad program at a college or university in another country.

Foreign Enrolled Loans
More information | Apply Online

The Foreign Enrolled Loan Program is available for US citizens or permanent residents who are pursuing a degree or certificate program outside the USA at an approved college or university. The program can provide funding for the full time you are enrolled abroad.

Stafford Loans

More information | Apply Online

Stafford loans are available to US citizens and certain eligible non-citizens (mainly permanent residents) studying abroad while enrolled at a US school or directly enrolled at an approved foreign school. We partner with StaffordLoan.com for these loans.

http://www.internationalstudentloan.com/us_citizens/

International Student Loans

As the number of international students studying in the USA continues to increase, the need for international financial aid is constantly growing. To address this need, we provide access to loans for non-US Citizens from anywhere in the world who are planning to study at approved schools throughout the USA. We have been a leader in providing loans for international students since 1998, and thousands of international students have applied for loans through our programs. Due to the credit crunch, the availability of loans for international students has been severely impacted. However, there are still loans available - submit your information through the Apply Now button and we will match you with a loan for which you may be eligible to apply.

Typically students can borrow up to their school's cost of attedance. International students are required to have a US Citizen or permanent resident as a co-signer to apply for this loan.

International student loans typically also offer:

• No collateral required
• Flexible repayment terms
• Online application
• and much more.....

Learn more about our International Student Loan Programs:

http://www.internationalstudentloan.com/international_student/

StudentFirst Private Student Loans

Whether you are an undergraduate or graduate student, StudentFirst’s alternative education loans can cover up to 100% of your cost of education. We have loans tailored specifically for undergraduate and graduate students.

The advantages of a StudentFirst private loan include competitive interest rates, No payments while enrolled at least half-time and borrowers can apply for funds to cover eligible expenses from 8 months in arrears. If they are currently enrolled or graduated in the past semester, students can borrow for previous trimesters, semesters, or quarters up to eight months preceding the application date.

If there are any origination fees, they are automatically rolled into the total amount of the loan. Best of all, StudentFirst loans include a 12-month grace period after graduation*, and offer other borrower benefits such as interest rate reductions.

Student Loan Consolidation

Right now you can lower your monthly payments by as much as 50% and put that extra cash in your pocket with the Federal Student Loan Consolidation program.

• Lock in rates as low as 5.2%
• All federal loans bundled into one easy-to-manage loan
• No fees, charges or prepayment penalties
• Easy, online application with Electronic Signature

Do the math. Federal rates are low right now, but StudentFirst helps you save even more.

• Save 0.50% more when you consolidate right after graduation or during other eligible grace periods
• Simplify your life with one easy payment.
• Protect yourself by locking your rate so you never have to worry about the rate going up.

Private student loan programs

Sallie Mae private student loans first disbursed June 1, 2009 and later require monthly interest-only payments during the in-school and separation periods. Check the terms of your loan's Promissory Note and log in to Manage Your Loans to see if your loan status shows repayment. If so, and you are enrolled in school, then you are not eligible for other repayment options at this time.

Sallie Mae private student loans first disbursed before June 1, 2009 may be eligible for graduated repayment to lower the initial monthly loan payments.

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Combined billing is available for student loans that are serviced by Sallie Mae. Some restrictions may apply.

National Student Loan

The National Student Loan Data System (NSLDS) is the U.S. Department of Education's (ED's) central database for student aid. NSLDS receives data from schools, guaranty agencies, the Direct Loan program, and other Department of ED programs. NSLDS Student Access provides a centralized, integrated view of Title IV loans and grants so that recipients of Title IV Aid can access and inquire about their Title IV loans and/or grant data.

Federal loan

Federal loan consolidation allows you to consolidate your outstanding federal education loans into a single new loan, even if your loans are currently held by more than one lender and are of different loan types. By consolidating your student loans, you can significantly lower your monthly payments by lengthening the term of your loans and locking in a low fixed interest rate. Most importantly, you can save thousands of dollars during the entire repayment term.


Additional Federal Loan Consolidation Benefits:

• Fixed rates as low as 6.75%
• Extended repayment term with lower monthly payments
• No fees
• No credit checks
• No prepayment penalties
• Seven flexible repayment plans
• Turn several monthly payments into one
• Deferment and forbearance available

Private loan

EdFed private loan consolidation means combining your outstanding private education loans into one loan, including private loans used to cover educational expenses such as tuition, housing and/or other educational expenses. This is in addition to already consolidated private educational loans. Consolidating your private educational loans with EdFed allows you to lower your monthly payment significantly by lengthening the term of your loans, while receiving a low variable interest rate. This is possible even if your private educational loans are held by more than one lender or are of different types.

Stafford loans

Stafford loans are one of the most commonly used student loans with low interest and are available for undergraduates, graduates and professional students. These loans are either subsidized or unsubsidized.

Benefits of a Stafford Loan with EdFed

• You'll get a low, 6.8-percent interest rate.
• Your repayment won't begin until 6 months after you leave school.
• You do not need to have your credit checked.
• Depending on what school you attend, you may not be charged an origination fee.