Studying in the United States can be a little expensive, and some of the costs are relatively unaffordable. If you’re not able to afford the cost of your academic career, there are provisions for college loans for students to help out with financial support.
There are several kinds of college loans available to assist students in aiding their studies. Once you’ve graduated, you can apply for federal, private, or refinancing loans. In this article, I’ll walk you through college loans for students and the best sources to acquire one.
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What is a private student loan, to start with?
A private college loan is a type of loan used to enhance but not replace federal student loans for undergraduate and graduate education in the United States.
Private college loans, unlike federal student loans, can be used to pay for education. These loans are often obtained from a bank, credit union, or internet lender instead of the federal government.
These types of college loans for students are very important when a student does not have access to federal loans or has exhausted all federal amounts, an international student who is not eligible to obtain federal loans, or students who don’t have enough financial support to run their educational dream.
These loans are useful in these situations:
when A co-signer or a credit history is not required.
Private student loans are best used to fill the gap between federal and private student loans when federal loans are not enough for your academic needs.
Private student loans are not subject to the same restrictions as federal student loans.
To acquire a private loan, you don’t need to fill out the FAFSA, but it’s a good idea to do so anyway. The application is also the key to getting free financial aid like grants, scholarships, and work-study.
With a private loan, there is no limit to the amount you can borrow. Each lender has its own limits.
For federal loans. This is what a student can borrow for $12,500 each year, for a total of $57,500 in federal student loans. Graduate students can get up to $138,500 in total, or $20,500 per year.
Private loans are limited to the cost of attendance at your college, minus any financial aid. Each lender may have its own limits on how much debt you may take on.
It’s important to get the correct loan so you don’t end up with more student loan debt than you need. Here’s a rundown of the many types of college student loans and how they function.
In this article, I will highlight how to know the best private student loan to collect. And list the best.
Each student has unique financial aid needs. I cannot categorically say this loan type is the best for everyone, but from the list provided, this is a good start for a private student loan.
Best Private College Loans For Students In 2024
The Best Loan Companies are determined based on affordability, borrower qualifying requirements, and customer service. The top lenders are those who have the highest scores.
The lender score is determined by the information supplied about the lender and its loan options, with a higher ranking given to characteristics that are most important to borrowers.
- Customer service ratings, fixed APR,
- variable APR, loan product availability,
- minimum and maximum loan periods,
- minimum and maximum loan amounts.
- A minimum FICO score
and online features are all scoring considerations for college loan companies.
Each score aspect is given a certain amount based on a nationwide poll of what borrowers want in a lender.
Lenders must provide qualified loans across the country and have a solid reputation in the industry to get a grade.
1. College Ave student loan:
This loan institution offers private college loans to students. It’s located in Wilmington, Delaware, and was established in 2014 and provides undergraduate, graduate, and parent loans to students enrolled in College Ave-affiliated institutions in all 50 states and the District of Columbia.
College Ave. has a competitive advantage in terms of speed and applications that take only a few minutes to complete with results that are available immediately.
Unique Features of college Ave.
The application and approval processes are completed in a short period of time.
There are a variety of career loan options available, some of which provide a completion incentive.
- There are no setup costs.
- Types of loan college AVE offer.
- College Ave has student loan options for all levels of postsecondary education, including career programs and refinancing.
- parent loans
- Undergraduate
- Graduates (including MBAs, law, dental, medical, and other health professions).
- career programs.
- Student loan refinancing.
Eligibility for college Ave loans
To be eligible, undergraduates must be U.S. citizens or permanent residents enrolled half-time or more at an approved institution. Students from other countries who have a social security number and a reliable co-signer are also eligible.
According to their school’s requirements, all students must make the appropriate academic progress.
Annual loan limits are up to 100 percent of the school’s certified cost of attendance, with lifetime restrictions based on the degree chosen and the creditworthiness of the student.
College Ave accepts a credit score in the mid-600s and a debt-to-income ratio of up to 90%, although this varies depending on other application conditions. In general, applicants should have a long credit history with a range of good accounts.
It is a requirement to have a co-signer. Potential loan applicants can check for preapproval, and after completing the online application, loan approvals are quick and accessible. Although College Ave does not accept applications over the phone, you can only call customer care for assistance if you have issues with the online form.
- Students who require a co-signer to get a loan
- Student Loans from College Avenue are best for:
- Borrowers who want to make flexible loan payments while they’re still in school.
College Ave advises interested loan applicants to apply for a student loan at least 30 days before the start of the school year, and they will work directly with your institution to confirm the loan.
Drawbacks
While the student is still in school, the parent loan just requires at least interest-only payments.
Co-signers cannot be freed unless the debt is more than 50% paid off.
2. Earnest Student Loans:
Earnest is an online lender that provides private college loans for students and student loan refinancing for undergraduate and graduate students. The firm was established in the year 2013.
Borrowers have the option of choosing their own loan terms to cover the entire cost of their education.
Earnest provides loans in all states except Nevada, including Washington, D.C. It does not provide student loan refinancing. In Kentucky,
Earnest has a live chat facility on its website, as well as an email address. They are open Monday through Friday, from 8 a.m. to 5 p.m. Pacific Time.
Earnest student loan Best Features:
There are no initial fees for application, late payments.
For undergraduate and graduate student loans, you can use a co-signer.
- A refinancing loan is available.
- There is the option of a monthly payment and a period of time for your loan.
- Types of Student Loans: Earnest Offer
- Undergraduate loans
- Graduate loans
- Student loan refinancing
- co-signer loans
- MBA, medical, or law school loans.
- parent loans
Earnest Loan Eligibility
Earnest lenders does a simple online eligibility check to see whether you qualify without putting a hard inquiry on your credit record. For each loan type, They have a different way to check eligibility.
Borrowers must meet the following requirements to be eligible for an independent undergraduate or graduate student loan:
Applicants must be pursuing a bachelor’s or graduate degree.
The person must have a credit history of at least three years.
On your credit report, without any bankruptcy reports
For an undergraduate loan, your income must be at least $35,000 per year.
Other requirements for acceptance are a good track record of on-time payments, without fines for overdraft and insufficient funds, and the avoidance of significant credit card debt.
Drawbacks
Borrowers must be full-time students or, in the case of college seniors or graduate students, at least 50 percent.
3. Education Loan Finance (ELFI)
ELFI was established. Since 2015, Tennessee-based SouthEast Bank sponsors a student loan program. Private student loans and refinancing for private and federal student loans are available via the organization.
ELFI provides college loans for students and refinancing in the United States and Puerto Rico.
Types of Student Loans ELFI Offer
- Loan and refinancing choices from ELFI include:
- Undergraduate
- Graduate
- MBA.
- law school.
- Dental school
- medical school.
- parent loans and refinancing.
ELFI Student Loan Eligibility
A minimum 680 FICO credit score is required by ELFI. Applicants or their co-signers must have a credit history of at least 36 months and an annual income of at least $35,000.
Borrowers must be enrolled in or have graduated from a nonprofit institution that is accredited under Title IV. Preapproval quotation checks are available, and co-signers are welcome.
Drawbacks
- Applicants must have a FICO credit score of at least 680.
- The least refinancing amount is $15,000.
- There is no option for a co-signer release.
4. Sallie Mae Student Loans:
Sallie Mae is a consumer bank that specializes in private student loans for undergraduate, graduate, and speciality education and is publicly traded.
The corporation began as a government organization serving federal student loans in 1973. It became a private company in 2004 and now provides a variety of student loans.
Sallie Mae Bank also provides savings products to help families plan and pay for education, as well as credit cards with cash back benefits that may be used to pay off student loans.
Best Features
- 100% U.S.-based customer support.
- If you enroll in autopay, you’ll get a 0.25 percent rate reduction.
- Tuition, fees, books, accommodation, food, travel, and a laptop are all totally covered by student loans.
- There isn’t any initial application fee to start a loan.
Types of Student Loans Sallie Mae Offers
Sallie Mae provides a range of college loans for students and parents to help pay for undergraduate and graduate degrees, along with specialty degrees.
Loans also accommodate part-time students and those pursuing continuing education coursework or earning professional certification.
- Undergraduate student loans
- Graduate student loans
- Career training student loans.
- parent loans
- MBA loans.
- Medical school loans.
- Medical residency loans.
- Dental school loans
- Dental residency loans.
- Health professions graduate loans.
- Law school loans
- Bar study loans.
Sallie Mae Student Loan Eligibility
To be eligible for a Sallie Mae student loan while attending school outside of the United States, you must be a U.S. citizen or permanent resident. If you are not a citizen and you intend to study at a U.S. institution, you will need a citizen or resident co-signer.
A $1,000 loan is the bare minimum. Sallie Mae does not reveal its minimum credit score or other qualifying standards, although it does highlight the importance of attending a degree-granting college.
Drawbacks
Sallie Mae does not provide refinancing services.
To get the best interest rates, having a creditworthy co-signer is an advantage when trying to get the best interest rates.
5. Ascent funding:
Ascent Funding another US private student loan online lender that offers college loans for students, graduate and undergraduate student loans,with or without a co-signer at over 2,200 colleges and universities around the US.
Students that are neither nationals or are permanent residents of the United States, or who have been granted Deferred Action for Childhood Arrivals (DACA) status – sometimes known as “Dreamers” – can apply for an Ascent loan with the help of a co-signer with good credit score. Ascent Funding is a San Diego-based firm that was launched in 2016.
Types of Student Loans Ascent Funding Offers
Ascent Funding loans are available to overseas students and Dreamers, With a co-signer.
There are both fixed and variable rate options available.
a co-signer is not really required for undergraduate and graduate loans.
Ascent Funding Student Loan Eligibility
To be eligible for ascent funding loan, students must be enrolled full-time or at least half-time at an accredited institution.
You must meet Ascent’s income standards if you are a student borrower without a co-signer and have at least two years of credit history.
Students applying for ascent funds must have a minimum gross yearly income of $24,000 for at least 2 years, the previous and current year, as well as a monthly debt-to-income ratio of less than 50%.
The co-signers’ gross yearly income should be a minimum of $24,000 for the current and previous years, with evidence of income provided.
Drawbacks
To access a loan without a co-signer, you’ll need over two years of credit history.
No Parent loans and student debt refinancing at Ascent Funding.
6. sofi online lender private student loans:
In 2011, Stanford business school students established SoFi, an online lender to students. In 2019, the firm expanded beyond student loan refinancing to include private college loans for students. It offers no-fee student loans to students, parents, and graduates, starting at $5,000.
Types of Student Loans SoFi Offer
- Graduate student loans,
- SoFi Private Student Loans offers
- Undergraduate student loans,
- law and MBA student loans, and parent student loans.
When you sign up for autopay, SoFi also offers student loan refinancing with fixed interest rates starting at 2.99 percent.
SOFI Loans begin at $5,000 and cover up to 100% of the school-certified cost of attendance, which includes tuition, accommodation and board, meals, books and supplies.
SoFi Private Student Loan eligibility
To be eligible to get a student loan from SoFi , the applicants must be a U.S. citizen or have another eligible status, and fulfill SoFi’s underwriting standards.
You must be registered at least half-time in an approved institution’s degree program, and your school must confirm that you are making adequate progress toward getting a degree.
Co-signers are not essential, but they can assist applicants with poor credit in improving their chances of acceptance. According to SoFi, loan eligibility is determined by a variety of variables, including your financial history, credit score, and monthly income versus spending.
Drawbacks
Lender does not reveal all loan criteria, determining if the lender is suitable for you might be difficult, but prequalification is online.
Funding is slow: Depending on the institution, the complete application procedure, including school certification of the loan, might take four to six weeks.
7. Citizens bank:
Citizens Bank, a subsidiary of Royal Bank of Scotland Group, was established in Rhode Island in the late 1800s.
It is now one of the largest commercial banks in the United States that offers college loans for students, having operations in more than 40 states. The New England, midwest regions and mid-Atlantic areas have more branches.
Types of Student Loans Citizen Bank Offers
- Citizens Bank offers undergraduate,
- Graduate and parent loans.
- The company also offers refinancing loans for both student and parent loans.
Citizens Bank Student Loan Eligibility
To be eligible for a loan at citizens bank, you must first complete an online application. Your credit score, income, credit history, and job history will all be used to evaluate your eligibility.
While co-signers are not necessary, if your credit history is not good enough , you may need one to qualify for a loan.
If you want to use the money to study abroad, be sure the program is conducted by a U.S. college since Citizens Bank won’t give money to colleges outside of the country.
Drawbacks
Citizens Bank only grants loans to students for four-year, private colleges and universities and Title IV-eligible public. Meaning , you can not be enrolled in a two-year programme institution, such as most community colleges, or a for-profit school.
There is no preapproval or application process. To find out if you’re accepted, you’ll need to do a hard credit inquiry.
8. LendKey Student Loans :
LendKey has been a force in the student loan business since 2009 and has helped over 119,000 people by giving $4 billion in loans.
Borrowers seeking private school loans or refinancing loans can use LendKey’s online platform to connect with credit unions and community banks. The organization offers fixed and variable-rate loans to undergraduate and graduate students.
Types of Student Loans LendKey Offer
- Borrowers can choose between fixed and variable rates for:
- Undergraduate student loans
- Graduate student loans
- parent loans
- Student loan refinancing
- LendKey Student Loans eligibility
- Applicants must be enrolled in a graduate or undergraduate program at an accredited school at least half-time.
You must also be either a U.S. citizen or a permanent resident of the United States, and you must be at least the age of majority in the state where you live. If you don’t have a credit history or a consistent income, you’ll almost certainly require a co-signer.
Drawbacks
The bulk of the qualifying conditions are not revealed, and rate estimations are only given for refinancing.
Late and inadequate fees may be charged from some lenders.
9. PNC Student Loans:
PNC Bank was established in 1845 and operates in all 50 states. The bank is engaged in a number of community efforts, including its Grow Up Great program in conjunction with Sesame Workshop and various financial literacy efforts.
For students, PNC offers opportunities to win $2,000 scholarships toward education expenses. PNC provides a range of college loans for students at all stages of post-secondary education, including professional training loans and refinancing.
PNC’s customer service is available online or by phone. The bank is rated A+ by the Better Business Bureau.
Types of Student Loans PNC Offers
- PNC provides a range of student loan options, including refinancing federally guaranteed education loans or Title IV private loans:
- Graduate
- Professional degrees: dental, law, MBA, medical
- Refinancing
- Undergraduate
PNC Student Loan Eligibility
- For private student loans to be eligible and accepted, PNC does not disclose a minimum FICO credit score, maximum debt-to-income ratio, or minimum credit history, but it does demand acceptable credit.
- PNC does not give multi-year approvals, although preapprovals are possible. PNC often does not give an immediate decision once you submit an application, but you will receive a preliminary decision within minutes of submitting your application online. If you like, you can have a co-signer.
- Ensure youpresent proof of work and income history to qualify for a PNC student loan. You must also be enrolled at least part-time in school.
- Note that you have up to 60 days after the end of a school semester to apply for a loan.
- PNC requires that you be removed from the institution, either graduated or no longer attending, in order to refinance a student loan.
- You must be a U.S. citizen or permanent resident who has lived in the country for at least two years before applying to PNC.
- A loan application can be done online.
Drawbacks
- There is no multi-year loan approval.
- There are no immediate approvals available.
10. CommonBond Student Loans
CommonBond, founded in 2012, has supported students with over $2 billion in loans. Undergraduate, graduate, medical, dentistry, MBA, and student debt refinancing loans are all available from the institution.
The borrower or co-signer must have a solid credit rating and at least two years of work and good credit history to qualify for a loan.
When applying for most undergraduate and graduate loans, you’ll need a co-signer. If your credit score is higher, you may be able to get better interest rates elsewhere.
The company’s website is user-friendly, and the application procedure is simple. All the procedures might take anywhere from five to three weeks from the commencement of the loan application to loan certification by your institution.
Although there is an origination charge for MBA, medical loans and dental fees are often minimal.
Best Features
- Co-signers are accepted for all loans.
- Borrowers can make up to full payments while in school or choose to pay interest only, a flat fee or defer payments.
- Online preapproval is available.
- Generous forbearance options are available.
CommonBond Student Loan Eligibility.
At least half-time enrollment in a degree-seeking program is required for all student borrowers.
CommonBond requires a minimum FICO score of 660, as well as two years of job and credit history, but these requirements can be satisfied with a co-signer.
For undergraduate and graduate student loans, co-signers are necessary. MBA loans with CommonBond allow for co-signers, although they are not required. Preapproval and rapid decision alternatives are available.
Drawbacks
There is an origination fee for MBA, medical, and dental loans.
Except for eligible MBA programs, all undergraduate and graduate student loans require a co-signer.
Loans aren’t available in every state.
Types of Student Loans: CommonBond Offer
CommonBond offers private student loans and refinancing for all undergraduate or higher education levels. CommonBond’s private college loans for students include:
Undergraduate
Graduate
MBA
Medical
Dental
Students and parents refinance
11. Rhode Island Student Loan:
RISLA (Rhode Island Student Loan Authority) is a non-profit established in Rhode Island that provides college loans for students all across the country. For undergraduate students, it provides two separate loan types, each with its own fixed interest rate.
One loan demands immediate repayment, while the other allows you to postpone any payments until six months after you have graduated.
Anyone who is eligible for any of the loan types receives the same rate, which makes it simple to compare RISLA loans to the other types of loans you’ve already qualified for.
For borrowers who find it difficult to repay their loans after graduation, RISLA is one of the only private college lenders that provides an income-based repayment package that caps payments at 15% of income for a period of 25 years.
RISLA Student Loan Eligibility
Applicants must show a minimum income of $40,000 per year and a minimum credit score of 680. Most undergraduate students will need a co-signer to qualify.
Best Features
- Low interest rates
- Income-based repayment plans are available.
- Nurses pay 0% interest for 48 months following graduation.
- drawbacks
- No options for international students
12. FUNDING U:
In 2016, Funding U (also known as Funding University) was established. In a limited number of states, it provides loans to students without a cosigner.
When it comes to loan decisions, Funding U doesn’t use credit scores. Instead, they evaluate borrowers based on their academic performance, chances of graduating on time, all their student debt, and post-graduation earnings. They only give loans to students registered in colleges with graduation rates that meet their graduation rates.
While Funding U’s rates are a little higher than those of other private lenders in the industry, it does not offer credit-based loans or require student applicants to have a co-signer.
Borrowers are authorized for a loan based on their academic and employment histories, as well as their current graduation plans, current courses, and predicted future earnings.
Furthermore, while the loan restrictions of Financing U are reasonable, private loans should be utilized sparingly so that borrowers do not have to rely on them to bridge larger funding gaps.
funding does not require a co-signer.
Term of loan: ten years
Funding U student loans Eligibility
Depending on the student’s year in school, students must achieve GPA levels and attend universities with six-year graduation rate thresholds.
To be eligible, first-year students must have a 3.5 high school GPA, second-year students must have a 3.0 college GPA, juniors must have a 2.75 GPA, and seniors must have a 2.5 GPA.
Note that only borrowers in these states can apply: Arizona, Arkansas, Colorado, Connecticut, Florida, Georgia, Hawaii, Illinois, Indiana, Kansas, Maryland, Massachusetts, Michigan, Missouri, Nebraska, New Jersey, New Mexico, New York, North Carolina, Ohio, Oregon, Pennsylvania, South Carolina, Tennessee, Texas, Vermont, Virginia, West Virginia, and Wisconsin.
Best Features
- There are no late charges.
- Without undergoing a rigorous credit check, an interest rate estimate is provided.
- There is no need for a co-signer.
Drawbacks
There is just one loan period of ten years available.
Students from other countries have no options.
13. A.M. Money:
Borrowers who apply for A.M money loans are evaluated based on their academic background and GPA, just like when you apply on the funding U platform. There is no requirement for a credit score.
It is not essential to have a co-signer. A.M. Money has a unique selling feature as well, in that it offers borrowers who need it a 36-month income-based repayment plan. The minimum monthly payment for the plan is $50.
Unless state law demands otherwise, A.M. Money charges a 4.5 percent origination fee, and overdue loans fail 14 days sooner than most other lenders.
No need for a co-signer
A.M. Money Student Loan Eligibility
Because the loan is based on performance, there are no credit or income limitations. Students must attend one of the numerous A.M.-eligible colleges, the majority of which are located in the Midwest. On the other hand, A.M. Money encourages potential borrowers to apply even if their school isn’t on the list currently.
Best features
- There are no late fees.
- Repayment options depending on income are available.
Drawbacks
- The origination fee is 4.5 percent.
- Unpaid debts have a short period before one goes into default.
14. DISCOVER :
In 2007, Discover Student Loans were created by Discover Bank, a company well known for its credit cards. Its private loan is an ideal college loan for students who require some payment flexibility. or those who were not able to complete their education.
Discover does not charge late penalties on its private student loans, and it offers students an interest rate discount if they pay the interest on the loan as it accrues while they are still in school. It also offers a variety of unique payment choices.
However, co-signer release is not an option, and there is only one loan term: 15 years. Know that you may pay off your student loan early without incurring penalties, and that paying off a student loan in less than 15 years will save you a lot of money in interest if you have the financial means to do so.
Discover loan eligibility
- Discover doesn’t say exactly the requirements for its student loans, but if you’re at least 16 years old and have good credit, or if you apply with a co-signer who does have good credits, chances are that you’ll be approved.
- Other considerations, such as the field of study and future earnings, are also consideration by Discover.
- If your bankruptcy isn’t recent or filed, you’re more likely to qualify.
- Applicants must be a citizen or permanent resident of the United States. An international student is eligible if they apply with a co-signer who is a U.S. citizen or permanent resident,
- Only eligible with a co-signer who is a US Citizen or permanent resident.
- Available to borrowers in all 50 U.S. states.
- must be enrolled half-time or more.
- You cannot use the loan for past-due tuition.
- must attend a school authorized to receive federal aid.
- Borrowers with a 3.0 GPA or higher might receive a 1% cash bonus on their loan.
- There are a number of options for repayment when there are financial problems.
Drawback
- No co-signer release program
15. Custom Choice Loans:
Custom Choice Loans previously provided loans through a partnership between SunTrust Bank and Cognition Financial. When SunTrust’s student loan program came to an end, Cognition Financial partnered with Citizens Bank to offer a new loan option that began in July 2020.
Custom Choice Loans are for older students who are confident in their ability to take advantage of the Grad Reward. Borrowers who provide evidence of graduation get a 2% interest rate decrease.
The principal’s grade will be lowered by 2% if you present proof of graduation.
There are no late fees.
Borrowers can make interest-only, set $25 or full payments during school or delay payment until after graduation.
It is possible to prolong the grace period for up to six months.
Custom Choice Loans eligibility
- Borrowers must have a credit score of greater than or equal to 600 or no score if the co-credit signer’s score is greater than or equal to 700;
- Must have a credit score of greater than or equal to 600 or no score if the co-credit signer’s score is greater than or equal to 700;
- Borrowers must have a credit score of greater than or equal to 600 or no score if the co-signer
- Debt-to-income ratio maximum: less than or equal to 85%.
- You might be eligible if you filed for bankruptcy more than ten years ago.
- Borrowers in Arizona, Iowa, and Wisconsin are not eligible.
- Past due tuition can be paid with the loan for balances that are less than 12 months old.
- You must be a United States citizen or permanent resident.
- Borrowers with DACA status are not eligible.
- You must be enrolled at least half-time.
- Borrowers must enroll in a Title IV-approved school with a bachelor’s degree or higher.
Best Features
- There are no late fees.
- Without a rigorous credit check, you can see if you qualify and what rate you’ll get.
- Features that allow for faster loan repayment are available.
- If you graduate, your principal will be reduced by 2%.
Drawbacks
- Arizona, Iowa, and Wisconsin are the only states where this loan is not available.
- Borrowers on student visas are not eligible for these loans.
However if you’re considering taking a student loan,here are some frequently asked questions listed below
Frequently asked questions for private student loan
You’ll take several major steps to obtain a student loan. When you apply for a student loan, you’ll need to meet the eligibility requirements, provide documentation, and go through processing before approval and disbursement.
You take a private student loan only if you’ve exhausted your federal student loan options and need more funding to meet your financial obligations. Only borrow what you require.
You (or your co-signer) will need good credit and income to qualify for most private student loans. It is also necessary to provide information on your citizenship and educational expenses, among other things.
Check out different offers and compare from a variety of lenders to see which one would provide you with the best interest rate. Check to see if the lender fits your requirements, such as funding in your state or for your degree program.
In most cases you’ll surely need a co-signer to meet a lender’s credit and income standards. Few lenders accept candidates who do not have a co-signer, instead focusing on their employment and earning potential.
Conclusion
In conclusion, private college loans help students who cannot access federal loans or have exhausted the federal loan option.
References
- Usnews.com- Best Student Loans
- Forbes.com-Best Private Student Loans
- investopedia.com-Private student loans international students
- nerdwallet.com-Private student loans
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