*** In order to qualify for The Educated Borrower® Loan Program the credit worthy individual needs to meet certain minimum requirements. These requirements include, but are not limited to, having good credit that has been established for at least 5 years and a minimum of $30,000 in annual income.

If the student does not meet these requirements we recommend applying with a co-signer that does. Without good established credit and a minimum of $30,000 in annual income the loan application will not be approved. ***

In order to qualify for the loan the credit worthy individual must meet the criteria below:

Credit Score Good
Length of Credit History Greater than 5 years (not including deferred student loans)
Charge offs / Collections None in the last 2 years
Bankruptcy None in the last 7 years
Student loan default Never
Income $30,000 or greater annually

Important Note: Loan terms are subject to change at any time and funds cannot be guaranteed prior to final credit approval and the return of a completed application (including a signed application and promissory note and acceptable supporting documents)

I certify that I have read and understand the statements above and the Privacy Statement and agree and acknowledge that I may be contacted by The Educated Borrower® about this or a future loan application (including by telephone, e-mail or mail).

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