Apply for College Aid


Sources of Financial Aid for undergraduates, graduates
and continuing education students. 

Private Student Loans

When you need a little extra funds to pay for college …
You can get up to $45,000 per academic year: (1)

  • make no payments until after you graduate (2)
  • earn a $300 graduation award (3)
  • pay zero origination fee - that’s big (4)
  • get your funds in as little as 5 business days
  • money sent directly to you, not the college
  • use the money to pay
    - tuition,
    - housing,
    - books,
    - computer and more.

 

more information:
click for our SayStudent private student loan module at:
www.private-student-loan.com

Stafford Student Loans

Government Guaranteed, Fixed Rate Student Loan that covers all or part of your education-related expenses as certified by the institution. Available for both undergraduate and graduate level programs at different loan amounts.

  • loan amounts: see loan amount chart
    varies by student grade level
  • interest rates:
    fixed for the life of the student loan
  • no restrictions:
    no credit check or co-borrower required

more information:
click for our SayStudent stafford student loan module at:
www.SayStudent.com

PLUS Loans

Graduate and Professional Students are Eligible under the PLUS program to borrow up to 100% of graduate and professional education-related expenses as certified by the institution.

  • grad PLUS loan amounts:
    eligible to borrow in your own behalf up to 100% of the cost of attendance (tuition, room and board, books, and even travel) minus any financial aid received. You must apply for the annual loan maximum eligibility under the Federal Subsidized and Unsubsidized Stafford Loan Program before applying for a Graduate/Professional PLUS loan: see stafford loans
  • grad PLUS loan eligibility:
    student must be enrolled at least half-time in a graduate or professional degree or certificate program at an approved school. Satisfactory credit history required with or without a co-signer
  • grad PLUS loan terms:
    option to defer payments until after graduation or when the student leaves school

more information:
click for our SayStudent grad PLUS loan module at:
www.SayStudent.com

Become a Banker

Use your Bank Equity to finance college and pay for education expenses — use the credit line as your personal banker to manage college money needs without federal forms and processing. You control the process.

Banker Home Equity Line of Credit (BLOC)
You will use the BLOC as your personal money account to finance college and manage all income and expenses.

You will deposit into the account:

  • all income payments
  • all bonuses
  • all capital gains not reinvested
  • all cash payments
  • all other income

Likewise, you will use your BLOC to pay:

  • your mortgage payment
  • your insurance
  • your credit card payments
  • your living expenses
  • all other expenses

The BLOC will Maximize Your Money Position

Your BLOC will take your discretionary income (total income minus expenses) and use the proceeds to finance college, pay down your mortgage, help finance key projects, and pay for other needed events at minimum interest cost.

You will never make a payment to your BLOC since your income deposits will be your payment. And since HELOCs are based on simply interest, these deposits will force adjustments to your equity line balance ensuring you minimal interest charges.

We have a complete demonstration with illustrations on how the BLOC can work for you at SayStudent.com

Private Student Loan Legal Information:

1 Undergraduate and graduate borrowers may borrow annually up to the lesser of the cost of attendance or $45,000.

2 Undergraduates and graduates may defer repayment until six months after graduation or ceasing to be enrolled at least half-time. Immediate and interest only repayment options are also available.

3 $300 principal reduction is applied to unpaid principal balance when proof of graduation is received. If outstanding balance is less than $300, balance will be reduced to $0.

4 A repayment finance charge may apply based on credit history.


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