Make college a reality. Unitus now offers the perfect option to fill educational funding gaps that can be left behind after other sources of aid have been exhausted. And because you're borrowing from Unitus, you can rest assured that your best interest always comes first. With our private education line of credit, you'll benefit from: Zero origination fees and lower rates than many other lenders, Flexible repayment options including fully deferred payment while in school, Unique line-of-credit (LOC) structure that allows you to apply just once and secure financing your entire undergraduate career, Reduced interest rate during repayment when you enroll in automatic payment.
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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.