how best to qualify for ...
The SayStudent Continuing Education Loan
Add a Co-Signer to the Application
You can improve your chances of receiving money you need for college and reduce your costs of borrowing with lower rates and fees by applying with a qualified cosigner such as your parent, spouse or another.
Most students will add cosigners to the application. Unlike other federal student loans and grants, you won't be turned down because your cosigner has too much money.
When you apply online, you can take advantage of our "Application Save" feature. You can come back anytime to complete your application, add cosigner information, and then submit your application.
You Need to Meet the Following Credit Qualifications
If you'd like to apply without a qualified cosigner, you will need to meet the following requirements:
- employment history of at least two years
- proof of current income
- satisfactory credit history of at least 21 months
- resided at your current and immediately preceding addresses for a total of at least 12 months,
- U.S. citizen or permanent resident and have resided in the U.S. for the previous two years
Parents Can Help
Parents can help students build a strong credit history by co-signing their SayStudent Continuing Education Loan application. After meeting certain requirements in 48 months, co-signers can be released from the loan agreement: see more information about co-signer release and requirements
Steps to Getting the Money You Need
- Start entering your funding request by applying online or dialing toll free: 1-866-230-4578.
Enter what information you know without submitting. Make note of any additional information that you need to gather.
Save the application.
You can return anytime to finish the application.
- Since many continuing education students will not meet the credit qualifications of income, employment and credit history, they will need a co-signer such as their parents or another to co-sign for the loan.
The co-signer can retrieve your saved application and enter the co-signer's information.
- Once your application is completed, you can submit it for processing. You will receive a preliminary approval in as little as 15 minutes. If you have any questions about your submission, call one of our financial loan specialists at 1-866-230-4578.
- Once preliminarily approved, you will receive loan documents via your email address. You need to print, sign, and fax back the documents to the number provided.
- Upon receipt of your completed and signed loan documents, your funds will be sent directly to you in as little as 5 business days.
If you have any questions, you may refer to our FAQ page or dial toll-free our financial specialist who can address any concern:
dial toll-free: 1-866-230-4578
don't wait another minute!
finance your continuing education now!
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