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TuitionWise Student Loans

TuitionWise Student Loans

TuitionWise Student Loans are designed to help families pay for college and provide students with access to higher education.

TuitionWise student loans put you in control. With a TuitionWise student loan you can decide how much to borrow3, when to apply, and the check is sent directly to you!

There are many benefits to a TuitionWise Student Loan that high interest rate credit-cards and home equity loans do not offer:

TuitionWise Student Loans are Practical:
- No payments until you graduate! While enrolled as an undergraduate, you can choose to defer all payments on TuitionWise Student Loans until after graduation 1
- Automatic 6 month grace period for graduates and undergraduates after graduation
- Student loan interest rate reduction by enrolling in the TuitionWise automatic payment program (interest rate will be reduced by 0.25%, and you can have your rate reduced by another 0.25% after you make your first 36 payments on-time).2

TuitionWise Student Loans are Easy:
- TuitionWise student loan paperwork is simple and straightforward.
- Application is quick; apply online or by phone and receive preliminary approval in as little as 15 minutes!
- A TuitionWise loan is unsecured, so no collateral is required!

TuitionWise Student Loans are Flexible:
- No application deadlines or upfront, out-of-pocket fees! You can apply anytime of the year for a TuitionWise loan and receive your check in about a week.
- You can borrow up to $40,0003 or the estimated cost of your school program
- The check is sent directly to you, not the school.
- A TuitionWise student loan can be used for all education-related expenses, including college tuition, books, travel expenses to and from school, room and board, lab fees and you can even use a TutionWise student loan to pay for past due expenses!

So if you need money for school, apply online or over the phone for a TuitionWise Student Loan. No matter how you apply, you can receive preliminary approval in as little as 15 minutes and get your check in about a week.

Be Wise. TuitionWise Student Loans.

Apply for a loan

Some advantages of a TuitionWise Loan

  • Get a check sent directly to you or your co-signer¹
  • No payments until after you graduate²
  • Apply online in minutes

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1 This loan does not require school certification and the proceeds are disbursed in the form of a check co-payable to the borrower and cosigner (if applicable), mailed directly to the applicant with the stronger credit profile.

2 Interest will continue to accrue while your payments are deferred, and it will be capitalized (added to your principal loan balance) when repayment begins.

3 Disbursement can occur in 48 hours after receipt and verification of signed loan documents and all other requested documentation and must be within 21 days of the enrollment date.

  1. Undergraduate students may choose to defer repayment until six months after graduation or ceasing to be enrolled at least half time in school. Interest only and immediate repayment options are also available. Graduate repayment is automatically deferred. Continuing education borrowers begin repayment the earlier of a) 180 days after the student graduates or earns a certificate; b) 180 days after the student ceases to be enrolled; or c) two years after the date of the loan disbursement. K-12 loans are immediate repayment loans.
  2. The 0.25% interest rate reduction is available for borrowers who elect to have monthly principal and interest payments transferred electronically from a savings or checking account. The interest rate reduction will begin when automatic principal and interest payments start, and will remain in effect as long as automatic payments continue without interruption. This reduced interest rate will return to contract rate if automatic payments are cancelled, rejected or returned for any reason. Upon request, borrowers are also entitled to an additional 0.25% interest rate reduction if (1) the first 36 payments of principal and interest are paid on time, and (2) at any time prior to the 36th on time payment, the borrower who receives the monthly bill elects to have monthly principal and interest payments transferred electronically from a savings or checking account, and continues to make such automatic payments through the 36th payment. This reduced interest rate will not be returned to contract rate if, after receiving the benefit, the borrower discontinues automatic electronic payment.
  3. While Undergraduate and graduate borrowers may borrow annually up to the lesser of the cost of attendance or $30,000 ($40,000 for certain schools where it has been determined that the annual cost of attendance exceeds $30,000) and up to the aggregate amount of $130,000. Borrowers in Continuing Education and K-12 loan programs may borrow annually up to $30,000 and up to the aggregate amount of $130,000.