- You must be a student enrolled in a degree program at an approved 4- or 5-year undergraduate or graduate school in the United States.
- Your enrollment status must be at least half-time.
- You must apply with a cosigner. (You may qualify for a lower APR by applying with a cosigner who has a strong credit history.)
- You must be citizen or permanent resident of the United States.
- Your cosigner must be citizen of the United States.
- You and your cosigner must be 18 years of age.
- You and your cosigner need to meet other underwriting guidelines.
- Credit is subject to approval. Certain restrictions may apply. Program rates, terms and conditions may change without notice.
- Your CompleteEd loan amount is capped by the total cost of attendance. Minimum loan amount is $2,500, maximum loan amount is $25,000 per academic year, less personal contribution, and private and Federal aid or loans received. Lifetime loan limit is $125,000.
- The loan check will be sent to your school, unless the school instructs otherwise. The school will pay you any funds remaining after paying the cost of attendance in accordance with their policies.
- APR is variable based on the Prime rate.
- Interest begins accruing on the day the loan is disbursed.
- Credit union members and those intending to join one get an instant .25% APR reduction for the life of their loan.
- Students who sign up for automatic payments get an additional .25% APR reduction during repayment.*
- Repayment begins 6 months after graduation.
- The repayment period is up to 20 years with a minimum monthly payment of $50.
- Cosigner is eligible for release after 48 months.
- Principal and interest payments can be deferred for up to 60 months while you are continuously enrolled at least half-time at an approved school in an undergraduate or graduate program. Interest will continue to accrue during deferment and will be added to the loan amount once you enter repayment.
CompleteEd private student loans are originated through our partner University National Bank. After disbursement, CMG Student Lending Services, LLC, a member of the CUNA Mutual Group, assumes full ownership of all loans.
*"Discount applies while ACH is in effect. 3 consecutive non-sufficient funds will terminate ACH and cause discount to cease."
