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Partnership Loan Options
View the different tabs below for loan details. While you're in school, if you want to make:
 Full payments, select the Immediate Payment tab.
 Interest payments, select the InterestOnly Payment tab.
 No payments, select the Deferred Payment tab.
Compare financial information on all Partnership Loan options. (PDF)
The Immediate Payment options feature the lowest Partnership Loan interest rates, and making regular ontime payments during the inschool period prevents increases to the loan balance. These options:
 Require that monthly payments of principal and interest begin immediately — while you are enrolled in school — after the loan is fully disbursed.^{1}
 Have a 10year (120month) principal and interest repayment period.^{2}
FixedRate
Examples for a $10,000 Loan
If your FICO^{3} score is ... 
Interest Rate 
Origination Fee 
Annual Percentage Rate 
Finance Charge 
Principal & Interest Monthly Payment 
800 or more^{4} 
5.50% 
0% 
5.50% 
$3,021 
$109 
760–799^{5} 
6.00% 
0% 
6.00% 
$3,320 
$111 
720–759^{6} 
6.20% 
3% 
6.88% 
$3,740 
$112 
670–719^{7} 
6.30% 
3% 
6.98% 
$3,801 
$113 
VariableRate (Quarterly Rates Jan. 1–March 31, 2017)
Examples for a $10,000 Loan
If your FICO^{3} score is ... 
Current Interest Rate^{8,9} 
Origination Fee 
Annual Percentage Rate 
Finance Charge 
Principal & Interest Monthly Payment 
800 or more^{10} 
4.20% 
0% 
4.20% 
$2,262 
$102 
760–799^{11} 
4.78% 
0% 
4.78% 
$2,597 
$105 
720–759^{12} 
5.04% 
3% 
5.70% 
$3,049 
$106 
670–719^{13} 
6.00% 
3% 
6.67% 
$3,620 
$111 
^{1} Borrowers with delinquencies during the principal and interest repayment period may have future disbursements and/or loans suspended or canceled.
^{2} If a predisbursement loan cancellation results in a Partnership Loan of $1,000 or less, the maximum principal and interest repayment term is 37 months.
^{3} The FICO score used is the TransUnion FICO Score 4, which is based on data from TransUnion and may be different from other credit scores. FICO is a registered trademark of the Fair Isaac Corporation.
^{4} Annual percentage rate (APR), finance charge and monthly payments are based on borrowing $10,000, a 0% origination fee and a fixed interest rate of 5.50% during the 120month principal and interest repayment period.
^{5} Annual percentage rate (APR), finance charge and monthly payments are based on borrowing $10,000, a 0% origination fee and a fixed interest rate of 6.00% during the 120month principal and interest repayment period.
^{6} Annual percentage rate (APR), finance charge and monthly payments are based on borrowing $10,000, a 3% origination fee and a fixed interest rate of 6.20% during the 120month principal and interest repayment period.
^{7} Annual percentage rate (APR), finance charge and monthly payments are based on borrowing $10,000, a 3% origination fee and a fixed interest rate of 6.30% during the 120month principal and interest repayment period.
^{8} The rate is subject to increase after consummation. These interest rates are calculated using the threemonth Libor index, which is defined as the daily average of the threemonth London Interbank Offered Rate (Libor) (currency in U.S. dollars) that was published on the Wall Street Journal's website (or any generally recognized successor method or means of publication) on each business day during the 91day period ending on the 20th day of March, June, September and December. The threemonth Libor index for the quarter Jan. 1–March 31, 2017, is 0.90%.
^{9} The rate will not exceed 21.00%.
^{10} The current interest rate is calculated quarterly by adding the threemonth Libor index to 3.30%. Annual percentage rate (APR), finance charge and monthly payments are based on borrowing $10,000, a 0% origination fee and maintaining a constant interest rate on a variable rate loan of 4.20% during the 120month principal and interest repayment period. APR examples are based on quarterly interest rates for Jan. 1–March 31, 2017.
^{11} The current interest rate is calculated quarterly by adding the threemonth Libor index to 3.88%. Annual percentage rate (APR), finance charge and monthly payments are based on borrowing $10,000, a 0% origination fee and maintaining a constant interest rate on a variable rate loan of 4.78% during the 120month principal and interest repayment period. APR examples are based on quarterly interest rates for Jan. 1–March 31, 2017.
^{12} The current interest rate is calculated quarterly by adding the threemonth Libor index to 4.14%. Annual percentage rate (APR), finance charge and monthly payments are based on borrowing $10,000, a 3% origination fee and maintaining a constant interest rate on a variable rate loan of 5.04% during the 120month principal and interest repayment period. APR examples are based on quarterly interest rates for Jan. 1–March 31, 2017.
^{13} The current interest rate is calculated quarterly by adding the threemonth Libor index to 5.10%. Annual percentage rate (APR), finance charge and monthly payments are based on borrowing $10,000, a 3% origination fee and maintaining a constant interest rate on a variable rate loan of 6.00% during the 120month principal and interest repayment period. APR examples are based on quarterly interest rates for Jan. 1–March 31, 2017.
The InterestOnly Payment options feature lower interest rates than the Deferred Payment loans, and making regular ontime interestonly payments during the inschool period prevents increases to the loan balance. These options:
 Require that monthly payments of interest begin immediately after the loan is first disbursed.^{1}
 Feature a sixmonth separation period — once you graduate, leave school or drop below halftime enrollment and before the principal and interest repayment period begins — during which interestonly payments are required.^{1}
 Have a 10year (120month) principal and interest repayment period.^{2}
FixedRate
Examples for a $10,000 Loan
If your FICO^{3} score is ... 
Interest Rate 
Origination Fee 
Annual Percentage Rate 
Finance Charge 
Interest Only Monthly Payment 
Principal & Interest Monthly Payment 
800 or more^{4} 
5.70% 
0% 
5.70% 
$5,564 
$48 
$110 
760–799^{5} 
6.10% 
0% 
6.10% 
$5,975 
$51 
$112 
720–759^{6} 
6.30% 
3% 
6.73% 
$6,481 
$53 
$113 
670–719^{7} 
6.42% 
3% 
6.85% 
$6,605 
$54 
$113 
VariableRate (Quarterly Rates Jan. 1–March 31, 2017)
Examples for a $10,000 Loan
If your FICO^{3} score is ... 
Current Interest Rate^{8,9} 
Origination Fee 
Annual Percentage Rate 
Finance Charge 
Interest Only Monthly Payment 
Principal & Interest Monthly Payment 
800 or more^{10} 
4.40% 
0% 
4.40% 
$4,248 
$37 
$103 
760–799^{11} 
4.98% 
0% 
4.98% 
$4,832 
$42 
$106 
720–759^{12} 
5.12% 
3% 
5.53% 
$5,273 
$43 
$107 
670–719^{13} 
6.10% 
3% 
6.52% 
$6,275 
$51 
$112 
^{1} Borrowers with delinquencies during the interestonly repayment period may have future disbursements and/or loans suspended or canceled.
^{2} If a predisbursement loan cancellation results in a Partnership Loan of $1,000 or less, the maximum principal and interest repayment term is 37 months.
^{3} The FICO score used is the TransUnion FICO Score 4, which is based on data from TransUnion and may be different from other credit scores. FICO is a registered trademark of the Fair Isaac Corporation.
^{4} Annual percentage rate (APR), finance charge and monthly payments are based on borrowing $10,000, a 0% origination fee, deferring principal for 51 months and a fixed interest rate of 5.70% during the 51month interestonly and the 120month principal and interest repayment periods.
^{5} Annual percentage rate (APR), finance charge and monthly payments are based on borrowing $10,000, a 0% origination fee, deferring principal for 51 months and a fixed interest rate of 6.10% during the 51month interestonly and the 120month principal and interest repayment periods.
^{6} Annual percentage rate (APR), finance charge and monthly payments are based on borrowing $10,000, a 3% origination fee, deferring principal for 51 months and a fixed interest rate of 6.30% during the 51month interestonly and the 120month principal and interest repayment periods.
^{7} Annual percentage rate (APR), finance charge and monthly payments are based on borrowing $10,000, a 3% origination fee, deferring principal for 51 months and a fixed interest rate of 6.42% during the 51month interestonly and the 120month principal and interest repayment periods.
^{8} The rate is subject to increase after consummation. These interest rates are calculated using the threemonth Libor index, which is defined as the daily average of the threemonth London Interbank Offered Rate (Libor) (currency in U.S. dollars) that was published on the Wall Street Journal's website (or any generally recognized successor method or means of publication) on each business day during the 91day period ending on the 20th day of March, June, September and December. The threemonth Libor index for the quarter Jan. 1–March 31, 2017, is 0.90%.
^{9} The rate will not exceed 21.00%.
^{10} The current interest rate is calculated quarterly by adding the threemonth Libor index to 3.50%. Annual percentage rate (APR), finance charge and monthly payments are based on borrowing $10,000, a 0% origination fee, deferring principal for 51 months and maintaining a constant interest rate on a variable rate loan of 4.40% during the 51month interestonly and the 120month principal and interest repayment periods. APR examples are based on quarterly interest rates for Jan. 1–March 31, 2017.
^{11} The current interest rate is calculated quarterly by adding the threemonth Libor index to 4.08%. Annual percentage rate (APR), finance charge and monthly payments are based on borrowing $10,000, a 0% origination fee, deferring principal for 51 months and maintaining a constant interest rate on a variable rate loan of 4.98% during the 51month interestonly and the 120month principal and interest repayment periods. APR examples are based on quarterly interest rates for Jan. 1–March 31, 2017.
^{12} The current interest rate is calculated quarterly by adding the threemonth Libor index to 4.22%. Annual percentage rate (APR), finance charge and monthly payments are based on borrowing $10,000, a 3% origination fee, deferring principal for 51 months and maintaining a constant interest rate on a variable rate loan of 5.12% during the 51month interestonly and the 120month principal and interest repayment periods. APR examples are based on quarterly interest rates for Jan. 1–March 31, 2017.
^{13} The current interest rate is calculated quarterly by adding the threemonth Libor index to 5.20%. Annual percentage rate (APR), finance charge and monthly payments are based on borrowing $10,000, a 3% origination fee, deferring principal for 51 months and maintaining a constant interest rate on a variable rate loan of 6.10% during the 51month interestonly and the 120month principal and interest repayment periods. APR examples are based on quarterly interest rates for Jan. 1–March 31, 2017.
The Deferred Payment options postpone repayment until you graduate, leave school or drop below halftime enrollment. These options:
 Feature a sixmonth separation period — once you graduate, leave school or drop below halftime enrollment and before the principal and interest repayment period begins — during which no payments are required.
 Have a 15year (180month) principal and interest repayment period.^{1}
FixedRate
Examples for a $10,000 Loan
If your FICO^{2} score is ... 
Interest Rate 
Origination Fee 
Annual Percentage Rate 
Finance Charge 
Principal & Interest Monthly Payment 
800 or more^{3} 
5.80% 
0% 
5.56% 
$8,685 
$104 
760–799^{4} 
6.30% 
0% 
6.02% 
$9,621 
$109 
720–759^{5} 
6.52% 
3% 
6.50% 
$10,343 
$111 
670–719^{6} 
7.22% 
3% 
7.14% 
$11,725 
$119 
VariableRate (Quarterly Rates Jan. 1–March 31, 2017)
Examples for a $10,000 Loan
If your FICO^{2} score is ... 
Current Interest Rate^{7,8} 
Origination Fee 
Annual Percentage Rate 
Finance Charge 
Principal & Interest Monthly Payment 
800 or more^{9} 
4.70% 
0% 
4.54% 
$6,737 
$93 
760–799^{10} 
5.28% 
0% 
5.08% 
$7,745 
$99 
720–759^{11} 
5.42% 
3% 
5.49% 
$8,296 
$100 
670–719^{12} 
6.42% 
3% 
6.41% 
$10,149 
$110 
^{1} If a predisbursement loan cancellation results in a Partnership Loan of $1,000 or less, the maximum principal and interest repayment term is 37 months.
^{2} The FICO score used is the TransUnion FICO Score 4, which is based on data from TransUnion and may be different from other credit scores. FICO is a registered trademark of the Fair Isaac Corporation.
^{3} Annual percentage rate (APR), finance charge and monthly payments are based on borrowing $10,000, a 0% origination fee, deferring principal and interest for 51 months and a fixed interest rate of 5.80% during the 51month inschool and separation period and the 180month principal and interest repayment period.
^{4} Annual percentage rate (APR), finance charge and monthly payments are based on borrowing $10,000, a 0% origination fee, deferring principal and interest for 51 months and a fixed interest rate of 6.30% during the 51month inschool and separation period and the 180month principal and interest repayment period.
^{5} Annual percentage rate (APR), finance charge and monthly payments are based on borrowing $10,000, a 3% origination fee, deferring principal and interest for 51 months and a fixed interest rate of 6.52% during the 51month inschool and separation period and the 180month principal and interest repayment period.
^{6} Annual percentage rate (APR), finance charge and monthly payments are based on borrowing $10,000, a 3% origination fee, deferring principal and interest for 51 months and a fixed interest rate of 7.22% during the 51month inschool and separation period and the 180month principal and interest repayment period.
^{7} The rate is subject to increase after consummation. These interest rates are calculated using the threemonth Libor index, which is defined as the daily average of the threemonth London Interbank Offered Rate (Libor) (currency in U.S. dollars) that was published on the Wall Street Journal's website (or any generally recognized successor method or means of publication) on each business day during the 91day period ending on the 20th day of March, June, September and December. The threemonth Libor index for the quarter Jan. 1–March 31, 2017, is 0.90%.
^{8} The rate will not exceed 21.00%.
^{9} The current interest rate is calculated quarterly by adding the threemonth Libor index to 3.80%. Annual percentage rate (APR), finance charge and monthly payments are based on borrowing $10,000, a 0% origination fee, deferring principal and interest for 51 months and maintaining a constant interest rate on a variable rate loan of 4.70% during the 51month inschool and separation period and the 180month principal and interest repayment period. APR examples are based on quarterly interest rates for Jan. 1–March 31, 2017.
^{10} The current interest rate is calculated quarterly by adding the threemonth Libor index to 4.38%. Annual percentage rate (APR), finance charge and monthly payments are based on borrowing $10,000, a 0% origination fee, deferring principal and interest for 51 months and maintaining a constant interest rate on a variable rate loan of 5.28% during the 51month inschool and separation period and the 180month principal and interest repayment period. APR examples are based on quarterly interest rates for Jan. 1–March 31, 2017.
^{11} The current interest rate is calculated quarterly by adding the threemonth Libor index to 4.52%. Annual percentage rate (APR), finance charge and monthly payments are based on borrowing $10,000, a 3% origination fee, deferring principal and interest for 51 months and maintaining a constant interest rate on a variable rate loan of 5.42% during the 51month inschool and separation period and the 180month principal and interest repayment period. APR examples are based on quarterly interest rates for Jan. 1–March 31, 2017.
^{12} The current interest rate is calculated quarterly by adding the threemonth Libor index to 5.52%. Annual percentage rate (APR), finance charge and monthly payments are based on borrowing $10,000, a 3% origination fee, deferring principal and interest for 51 months and maintaining a constant interest rate on a variable rate loan of 6.42% during the 51month inschool and separation period and the 180month principal and interest repayment period. APR examples are based on quarterly interest rates for Jan. 1–March 31, 2017.
