Student Loans

Private Education Loans

Next to buying a home, a college education is the largest expenditure most parents will ever make (and perhaps the biggest expenditure when more than one child is in the family picture). Faced with such a daunting task, you might be inclined to ignore the problem and wait until you are more financially settled before you start saving. But that would be a mistake. The key to sanity in the area of education planning is advance planning. Planning includes budget awareness, but also consideration of funding sources in addition to personal savings.

What expenses are included in the cost of college?

In the academic world, the cost of college is generally referred to as the cost of attendance (COA). Each college has its own COA. The COA consists of five items:

1) Tuition and fees
2) Books and supplies
3) Room and board
4) Transportation
5) Allowable Personal expenses

Twice per year, the federal government recalculates the COA for each college and then adjusts the figures for inflation.

The government then uses the COA figures to determine your child's particular financial need come financial aid time.

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Chase Private Student Loans

When federal aid and scholarships aren’t enough to cover college tuition and other education-related expenses, Chase can help. You can borrow up to $40,000 per year with a Chase Private Student Loan. Plus repayment can begin 6 months AFTER you graduate. Loans are unsecured & credit-based and the funds can be used for education-related expenses, including tuition, books, room and board, a new laptop or even previous school fees. Some students may need a U.S. cosigner to qualify for a Chase Private Student Loan, but cosigners are not required to apply. Adding a cosigner may lower your interest rate. A cosigner can be a parent, relative, spouse or friend.

Borrow Up to $40,000 per Academic year Flexible repayment terms Conditional approval in minutes Funds sent in as little as 5 business days No financial aid forms required No school certification required No application deadlines; apply anytime Apply quickly and easily online Repayment can begin 6 months after graduation
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Note: As students determine the best way to finance their education, they should consider the full range of student financial aid options available. Private loans can be used when federal loans, grants and other forms of financial aid are not sufficient to cover the full cost of education. Chase Private Student Loans are subject to credit approval, receipt of a completed and signed Application/Promissory Note, verification of application information and verification of student’s enrollment at a participating school. $40,000 annual maximum is based on your creditworthiness and the cost of attendance at school. $150,000 cumulative Chase private loan limit. Repayment plans vary with enrollment status and loan type. See Web site or call for details. Loans to pay previous school fees are limited to the amount owed the school.