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Partnership Loan Benefits

The following features may be available to Partnership Loan borrowers during the principal and interest repayment period.

Interest Rate Reduction

Partnership Loan borrowers can earn a 0.25% interest rate reduction1 when they sign up to have principal and interest payments automatically withdrawn.

Cosigner Release

Partnership Loan borrowers can release their cosigner from payment obligations:

  1. After the first 24 consecutive monthly principal and interest payments are received on time.
  2. If the borrower meets the underwriting and credit criteria at the time the cosigner release is requested.

Death or Disability: In the unfortunate event of a borrower's death or qualifying total and permanent disability, Iowa Student Loan will forgive the loan and not require cosigner(s) or the borrower's estate to satisfy the loan obligation.

In addition, if a cosigner suffers a qualifying total and permanent disability, Iowa Student Loan will release the cosigner from his or her obligation. In the event of a cosigner's death or qualifying total and permanent disability, the borrower will not be required to find a new cosigner for an existing loan. Please contact us for details.

Please consult a tax professional or the IRS for information about possible tax consequences of loan forgiveness.

1 The 0.25% interest rate reduction will apply to loans first disbursed on or after June 1, 2013, and once payments begin to be automatically deducted. The reduction will remain in effect as long as automatic payments continue without interruption during the repayment period. The 0.25% interest rate reduction will not lower the monthly payment amount but will instead reduce the interest amount that accrues. The interest rate reduction will be suspended during approved deferment(s) or forbearance(s) or if automatic payments are rejected due to insufficient funds.

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