P R I V A T E    S T U D E N T    L O A N S

We are pleased to present the following alphabetical list of lenders who have expressed an active interest in lending to NYU students. You are not required to borrow from any of the lenders listed below and there is no penalty for selecting a different lender, if you prefer. We encourage you to compare information among these and other available student loan providers. There are no maximum income limits. Individual lenders will, at their discretion, evaluate credit history. For application information and details about terms and conditions, please visit the lender's web site or contact the sponsor's toll-free 800 number. Please note that application fees are not refundable.

Note: Given the current student loan industry climate, please note that loan programs are subject to change at any time.

Chase Select Student Loan 
Sponsor: J.P. Morgan Chase Bank, 1-866-306-0868.
Interest: Based on variable rate equal to 3-month LIBOR plus 4.75% to 11.75% (based on borrower's credit history), adjusted quarterly.
Eligibility: Student can be registered full-time, half-time (6 to 11 credit points) or less than half-time in a degree or certificate program, and be a U.S. citizen or permanent resident. International students or students who do not meet credit, income, and employment guidelines will need to apply with an eligible U.S. co-signer.
Term: 20 years to repay (25 years for loans in excess of $30,000).
Fees: None.
Deferral: Principal and interest.

Citibank CitiAssist Student Loan 
Sponsor: Citibank, 800-967-2400.
Interest: Based on variable rate equal to 3-month LIBOR plus 4.75% to 11.50% (based on borrower's credit history), for life of loan. Adjusted quarterly. Eligibility: Student can be enrolled full-time, half-time or less-than-half-time be enrolled in a degree or non-degree program, and be a U.S. citizen, permanent resident or an international student with a U.S. co-signer.
Term: 20 years.
Fees: 0.00% to 6.00%
Deferral: Principal and interest are deferred while students are in-school. Any unpaid interest while in-school will be capitalized once at repayment.

Discover Student Loan 
Sponsor: Discover Bank, 877-728-3030.
Interest: Variable rate adjusted quarterly, Prime plus 1.0% and up to Prime plus 7.75% (based on credit history). Adjusted quarterly.   Eligibility: Student must be enrolled in a degree program and be a U.S. citizen or a permanent resident with a Social Security number.
Term: 20 years.
Fees: None.
Deferral: Principal and interest. Interest will be capitalized at repayment.

Sallie Mae Smart Option Student Loan* 
Sponsor: Sallie Mae, 1-888-272-5543
Interest: With a credit worthy co-signer: 1month Libor +4% to 1 month libor +12% Without a credit worthy co-signer 1 month libor +4% to 1 month Libor +12.5%.  Eligibility: You must attend an eligible school at least half time and be working towards your degree. You must meet current credit and other eligibility criteria.
Term: Will vary based on loan amount and year in school.
Fees: 0.00% to 3.00%
Deferral: Required interest-only payments for in-school period including separation period (formerly known as grace). Principal and Interest payments required after separation period.

The Smart Option Student Loan is also offered by Citizens Bank.

Wells Fargo Graduate Loan 
Sponsor: Wells Fargo Education Financial Services, 800-658-3567.
Amount: Minimum: $1,000.
Maximum: Full cost of education, minus other financial aid received. (Aggregate limits: Graduate $120,000; Business/Law $180,000.) 
Interest: Based on variable rate equal to prime rate plus 1.50% to 5.0% (without co-borrower) based on credit history, adjusted monthly.
Eligibility: Student must be enrolled in a degree program and be a U.S. citizen, permanent resident, or international student with a U.S. co-signer.
Term: 15 years.
Fees: None.
Deferral: Principal and interest are deferred while students are in-school. Interest is capitalized at repayment.