Rates, special pricing, and details are subject to change at any time. Rates may vary by state of residence. All
product information shown above is subject to the terms and conditions of the company offering the product. Please
visit the company's website for the latest terms and conditions. Whyze has entered into referral and advertising
arrangements with certain financial institutions under which we receive compensation (in the form of flat fees per
qualifying action) when you provide an e-mail, submit an application, or get approved for an account.
Ascent Student Loan Terms and Conditions:
*Ascent Student Loans are funded by Richland State Bank (RSB), Member FDIC. Loan products may not be available in
certain jurisdictions. Certain restrictions, limitations; and terms and conditions may apply. For Ascent Terms and
Conditions please visit: www.AscentStudentLoans.com/Ts&Cs
Rates are effective as of 11/01/2019 and include a 0.25% discount applied when a borrower in repayment elects
automatic debit payments via their personal checking account. For Ascent rates and repayment examples please visit:
1% Cash Back Graduation Reward subject to terms and conditions. Click here for details.
Citizens One Disclosures:
Variable rate, based on the one-month London Interbank Offered Rate ("LIBOR") published in The Wall Street Journal
on the twenty-fifth day, or the next business day, of the preceding calendar month. As of November 7th, 2019, the
one-month LIBOR rate is 1.95%. Variable interest rates range from 3.31% - 12.62% (3.31% - 12.62% APR) and will
fluctuate over the term of the loan with changes in the LIBOR rate, and will vary based on applicable terms, level
of degree earned and presence of a co-signer. Fixed interest rates range from 4.02% to 12.93% (4.02% to 12.93% APR)
based on applicable terms, level of degree earned and presence of a co-signer. Lowest rates shown are for eligible
applicants, require a 5-year repayment term, borrower making scheduled payments while in school and include our
Loyalty and Automatic Payment discounts of 0.25 percentage points each, as outlined in the Loyalty Discount and
Automatic Payment Discount disclosures. Subject to additional terms and conditions, and rates are subject to change
at any time without notice. Such changes will only apply to applications taken after the effective date of change.
Please note: Due to federal regulations, Citizens One Student Loans is required to provide every potential borrower
with disclosure information before they apply for a private student loan. The borrower will be presented with an
Application Disclosure and an Approval Disclosure within the application process before they accept the terms and
conditions of the loan.
1Loyalty Discount: The borrower will be eligible for a 0.25 percentage point interest rate reduction on
their loan if the borrower or their co-signer (if applicable) has a qualifying account in existence with us at the
time the borrower and their co-signer (if applicable) have submitted a completed application authorizing us to
review their credit request for the loan. The following are qualifying accounts: any checking account, savings
account, money market account, certificate of deposit, automobile loan, home equity loan, home equity line of
credit, mortgage, credit card account, or other student loans owned by Citizens Bank, N.A. Please note, our checking
and savings account options are only available in the following states: CT, DE, MA, MI, NH, NJ, NY, OH, PA, RI, and
VT and some products may have an associated cost. This discount will be reflected in the interest rate disclosed in
the Loan Approval Disclosure that will be provided to the borrower once the loan is approved. Limit of one Loyalty
Discount per loan and discount will not be applied to prior loans. The Loyalty Discount will remain in effect for
the life of the loan.
2STUDENT LOAN REPAYMENT: Student borrowers can make full payments or pay interest only while in school,
or defer payments until after graduation (interest continues to accrue during deferment periods).
3Multi-year approval funds available for future use are subject to a soft credit inquiry at time of your
next request to verify continued eligibility. After we make the initial Loan to you, we may refuse to allow you to
take out additional loans under the multi-year approval feature. Terms and conditions will be outlined in your
promissory note. Please Note: International Students are not eligible for the multi-year approval feature.
College Ave Disclosures:
College Ave Student Loans products are made available through either Firstrust Bank, member FDIC or M.Y. Safra
Bank, FSB, member FDIC. All loans are subject to individual approval and adherence to underwriting guidelines.
Program restrictions, other terms, and conditions apply.
0.25% interest rate reduction when you make required payments by automatic debit. All rates include the auto-pay
discount. The 0.25% auto-pay interest rate reduction applies as long as a valid bank account is designated for
required monthly payments. Variable rates may increase after consummation.
Borrow up to 100% of your cost of attendance (minimum $1,000). As certified by your school and less any other
financial aid you might receive. Minimum $1,000. Variable interest rates may increase after consummation.
Flexible payment terms ranging from 5, 8, 10, and 15 years. This informational repayment example uses typical loan
terms for a freshman borrower who selects the Deferred Repayment Option with a 10-year repayment term, has a $10,000
loan that is disbursed in one disbursement and a 8.35% fixed Annual Percentage Rate (“APR”): 120 monthly payments of
$179.18 while in the repayment period, for a total amount of payments of $21,501.54. Loans will never have a full
principal and interest monthly payment of less than $50. Your actual rates and repayment terms may vary.
Information advertised valid as of 11/4/2019. Variable interest rates may increase after consummation.
Offered terms are subject to change. Loans are offered by CommonBond Lending, LLC (NMLS # 1175900). All loans
are eligible for a 0.25% reduction in interest rate by agreeing to automatic payment withdrawals once in repayment,
which is reflected in the interest rates and APRs displayed. Variable rates may increase after consummation. All
variable rates are based on a 1-month LIBOR assumption of 2.43% effective May 25, 2019. For Commonbond disclaimers
please visit https://www.commonbond.co/disclaimers
Sallie Mae Disclosures:
1 Advertised rates are for the Smart Option Student Loan for undergraduates as of 10/25/2019. Interest is
charged starting at disbursement, during school and the separation/grace period, and until the loan is paid in full.
With the Fixed and Deferred Repayment Options, the interest rate is higher than with the Interest Repayment Option
and Unpaid Interest is added to the loan's Current Principal at the end of the grace/separation period. Payments may
be required during the grace/separation period depending on the repayment option selected. Variable rates may
increase over the life of the loan. Advertised variable rates reflect the starting range of rates and may vary
outside of that range over the life of the loan. Advertised APRs assume a $10,000 loan to a freshman with no other
Sallie Mae loans.
2 Borrow or cosigner must enroll in auto debit through Sallie Mae to receive a 0.25 percentage point
interest rate reduction benefit. This benefit applies only during active repayment for as lon as the Current Amount
Due or Designated Amount is successfully withdrawn from the authorized bank account each month and may be suspended
during periods of forbearance of deferment, if available for the loan.
3 Although we do not charge you a penalty or fee if you prepay your loan, any prepayment will be applied
as provided in your promissory note: first to Unpaid Fees and costs, then to Unpaid Interest, and then to Current
4 Loan amount cannot exceed the cost of attendance less financial aid received as certified by the
school. Sallie Mae reserves the right to approve a lower loan amount than the school-certified amount. Miscellaneous
personal expenses (such as a laptop) may be included in the cost of attendance for students enrolled at least half
5 This promotional benefit is provided at no cost to borrowers with loans that first disburse between
July 1, 2018 and April 30, 2020. Borrowers who reside in, attend school in, or borrow for a student attending school
in Maine are not eligible for this benefit. No cash value. Terms and Conditions apply. Please visit
chegg.com/studystarter/termsandconditions for complete details. This offer expires one year after issuance.
Whyze is not the creditor for these loans and is compensated by Sallie Mae for the referral of Smart Option Loan
customers. Sallie Mae, the Sallie Mae logo, and other Sallie Mae names and logos are service marks or registered
service marks of Sallie Mae Bank. All other names and logos used are the trademarks or service marks of their
*Rates shown for the Custom Choice Loan include the Summer Savings discount of 0.50%. Offer valid for new Custom
Choice Loans for which applications are submitted for a credit decision between 12:00:00am EST on June 1, 2019 and
11:59:59pm EST on August 31, 2019. A 0.50% interest rate reduction will be included in the loan options presented to
an applicant during the online application process, upon passing the initial credit review. The interest rate
reduction will be applied as of the first disbursement date and will be effective for the life of the loan.
Earn an interest rate reduction for making automatic payments of principal and interest from a bank account (“auto
pay discount”) by completing the direct debit form provided by the Servicer. Earn a 0.25% interest rate reduction
when you auto pay from any bank account and an extra 0.25% interest rate reduction when you auto pay from a SunTrust
Bank checking, savings, or money market account. The auto pay discount will be applied after the Servicer validates
your bank account information and will continue until (1) three automatic deductions are returned for insufficient
funds during the life of the loan (after which the discount cannot be reinstated) or (2) automatic deduction of
payments is stopped (including during any deferment or forbearance, even if payments are made). In addition, the
extra 0.25% interest rate reduction for auto pay from a SunTrust Bank checking, savings or money market account will
be discontinued if automatic payments are no longer made from one of the aforementioned SunTrust Bank accounts. In
the event the auto pay discount is discontinued, the loan will accrue interest at the rate stated in your Credit