At Gesa, we’re committed to helping students find the best funding for their education through the Student Choice Loan Program. We can help you and your family fill in the gap that federal aid leaves behind. With lower interest rates and no origination fees, you’ll get significant savings by choosing a Gesa private student loan over other alternative lenders. No origination fees. Lower interest rates. Deferment of principal and interest while in school. Flexible repayment terms.
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There are two different types of student loans: federal and private. Most experts agree that the best student loans come from the federal government. These fixed-rate loans usually offer lower interest rates and greater borrower protections than private loans. When you choose a private loan, your credit score (and that of your co-signer, if you have one) will impact the student loan interest rates you’re offered.
This is how long you have to pay back your loan. Usually, this term is between five and 20 years. A shorter term means higher monthly payments, but you’ll usually pay less in interest fees and be debt-free sooner.
A fixed rate student loan locks in the rate that will be applied to your loan through your entire loan term. The rate will not change.