{"id":3088,"date":"2026-04-09T17:11:06","date_gmt":"2026-04-09T17:11:06","guid":{"rendered":"https:\/\/www.eastcentral.edu\/finaid\/?page_id=3088"},"modified":"2026-04-09T18:28:00","modified_gmt":"2026-04-09T18:28:00","slug":"private-student-loans","status":"publish","type":"page","link":"https:\/\/www.eastcentral.edu\/finaid\/private-student-loans\/","title":{"rendered":"Private Student Loan Options"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\" style=\"font-size:24px\"><strong>It All Starts Here!<\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">PNC Bank<\/h2>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity aqua-hr\"\/>\n\n\n\n<p class=\"wp-block-paragraph\"><strong><a href=\"https:\/\/www.pnc.com\/en\/personal-banking\/borrowing\/private-student-loans.html\">PNC Bank<\/a><br><\/strong>1-800-762-1001<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Features<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Choose from 3 repayment options\n<ul class=\"wp-block-list\">\n<li>Immediate<\/li>\n\n\n\n<li>Interest-Only<\/li>\n\n\n\n<li>Fully Deferred<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li>6 month grace period<\/li>\n\n\n\n<li>0.50% interest rate reduction for enrolling in automatic payments<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Interest Rates<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Variable interest rates range from 3.40% APR to 10.42% APR<\/li>\n\n\n\n<li>Fixed interest rates range from 6.26% APR to 12.99% APR<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Eligibility<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Must be degree seeking<\/li>\n\n\n\n<li>Must be enrolled in at least 6 credit hours<\/li>\n\n\n\n<li>May need a cosigner, unless you meet credit, employment, and debt-to-income requirements. For permanent and temporary resident aliens, a US citizen must cosign the loan.<\/li>\n\n\n\n<li>Cosigner release available<\/li>\n<\/ul>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\">Sallie Mae<\/h2>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity aqua-hr\"\/>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/www.salliemae.com\/student-loans\/undergraduate-student-loans\/\"><strong>Sallie Mae Smart Option<\/strong><\/a><br>1-866-972-5004<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Features<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Choose from 3 repayment options\n<ul class=\"wp-block-list\">\n<li>Deferred Repayment<\/li>\n\n\n\n<li>Fixed Repayment<\/li>\n\n\n\n<li>Interest repayment<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li>No origination fee<\/li>\n\n\n\n<li>No penalty for paying off your loan early<\/li>\n\n\n\n<li>0.25% interest rate reduction for enrolling in automatic payments<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Interest Rates<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Variable interest rates range from 2.25% APR to 9.37% APR<\/li>\n\n\n\n<li>Fixed interest rates range from 5.74% APR to 11.8<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Eligibility<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Can be enrolled less than 6 credit hours<\/li>\n\n\n\n<li>Can pay a past due balance for an enrollment period within the past 365 days<\/li>\n\n\n\n<li>May need a cosigner, unless you meet credit, employment, and debt-to-income requirements. For permanent and temporary resident aliens, a US citizen must cosign the loan.<\/li>\n\n\n\n<li>Cosigner release available<\/li>\n<\/ul>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\">Wells Fargo<\/h2>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity aqua-hr\"\/>\n\n\n\n<p class=\"wp-block-paragraph\"><strong><a href=\"https:\/\/www.wellsfargo.com\/\">Wells Fargo<\/a><\/strong><br>1-800-378-5526<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Features<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>No payments are required until six months after you leave school.<\/li>\n\n\n\n<li>No application or origination fee<\/li>\n\n\n\n<li>No penalty for paying off your loan early<\/li>\n\n\n\n<li>0.25% interest rate reduction for enrolling in automatic payments<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Interest Rates<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Variable interest rates range from 4.09% APR (with discounts) to 10.01% APR (without discounts)<\/li>\n\n\n\n<li>Fixed interest rates range from 6.8% APR (with discounts) to 11.93% APR (without discounts)<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Eligibility<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Must be degree seeking<\/li>\n\n\n\n<li>Can be enrolled less than 6 credit hours<\/li>\n\n\n\n<li>Must be a US citizen, US national, permanent resident alien without conditions, or international student who is a temporary resident alien with a current US address and proper evidence of eligibility<\/li>\n\n\n\n<li>May need a cosigner, unless you meet credit, employment, and debt-to-income requirements. For permanent and temporary resident aliens, a US citizen must cosign the loan.<\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading has-medium-font-size\">Information about Cosigners<\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li>If you are a student with little or no credit history or limited income, a cosigner may help you to qualify for this loan and potentially receive a lower interest rate.<\/li>\n\n\n\n<li>A cosigner is someone who shares responsibility with the student for repaying the loan. A cosigner doesn\u2019t have to be a relative; he or she can be any adult who meets the eligibility requirements.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Compare rates and learn more at <a href=\"https:\/\/www.elmselect.com\/\">ELMSelect<\/a>.<\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"<p>It All Starts Here! PNC Bank PNC Bank1-800-762-1001 Features Interest Rates Eligibility Sallie Mae Sallie Mae Smart Option1-866-972-5004 Features Interest Rates Eligibility Wells Fargo Wells Fargo1-800-378-5526 Features Interest Rates Eligibility Information about Cosigners Compare rates and learn more at ELMSelect.<\/p>\n","protected":false},"author":98,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_eb_attr":"","footnotes":""},"class_list":["post-3088","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.7 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Private Student Loan Options - Financial Aid<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.eastcentral.edu\/finaid\/private-student-loans\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Private Student Loan Options - Financial Aid\" \/>\n<meta property=\"og:description\" content=\"It All Starts Here! 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