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How to Apply for an Alternative Loan


Chase Select Loan




  • No origination or repayment fees.(1)
  • A 0.25% interest rate reduction for borrowers who have their monthly payments automatically deducted from a bank account.
  • Applying with a qualified cosigner may reduce your interest rate and improve you chances of approval.
  • Cosigner release option available after 36 on-time consecutive payments.


Discover Student Loans


  • Interest Rate:
  • Prime Index + Margin
  • Visit for details
  •  Fees: NONE
  •  Benefits:  2% Graduation Reward  
    0.25% Auto Debit Reward
  •  Min Annual Loan Amount:  $1000
  •  Prior Tuition Balances:  Yes, up to 6 months



Sallie Mae 
Smart Option Student Loan

  • Deferred Repayment Option: 1-Month LIBOR + 3% to 9.875% (APR: 3.29% to 9.48%) without Cosigner
  • Fixed Repayment Option: 1-Month LIBOR + 2.5% to 9.375% (APR: 2.88% to 9.20%) without Cosigner
  • Interest Repayment Option: 1-Month LIBOR + 2% to 8.875% (APR: 2.37% to 9.23%) without Cosigner

 ***Borrowers will receive a 0.50 percentage point reduction in interest rate except when receiving our lowest rate.

**An additional reduction in interest rate can occur when cosigners have better credit than student borrowers.

**Increased approvals:  By applying with a cosigner students can increase their chance for approval.

 Cosigner:  Borrowers can apply for cosigner release after they have graduated and make just 12 consecutive payments of principal and interest. Most other loan providers require 24-48 consective payments of principal and interest.



Wells Fargo 
Collegiate Loan

  • Interest Rate:  Fixed: As Low as 7.24%  
    Variable: As Low as 3.50%
  •  Fees:  No application, origination, or early repayment
  •  Repayment Term:  15 years
  •  Auto Debit Discount:  .25%
  •  Cosigner Release:  Yes


Fifth Third Bank 
Smart Option Student Loan

  • Smart Option Student loan funded by Fifth Third Bank
  •  Minimum amount:  $1000
  •  Interest Rates:  Range from 2.25% APR to 9.37% APR
  •  Fees:  No origination fees