There are a lot of meanings, regulations, and terms that go into it, and when you don’t know where to begin, it can feel overwhelming. That’s why we’re here!

If you’re asking yourself “what are student loans?”, allow us to explain.


The term “student loan” encompasses a variety of options available to help pay for college. It is a form of financial aid, and is offered by the federal government as a type of federal financial aid. Many private businesses and organizations also offer private student loans to students looking for help paying for college. Student loans are a great resource to bridge the gap between what your financial aid will cover and your school’s total cost of attendance.


The process for qualifying for and obtaining a private student loan can vary between lenders, but in general, you’ll need the following:

  • Demonstrated credit history (or a cosigner with strong credit to help you qualify)
  • Proof of income (income requirements can vary depending on the lender and loan amount)

Check out our articles below to learn more about what you’ll need to apply for a student loan.


We partner with the top private student loan lenders to provide relevant, trustworthy information on finding money for college. Here, you’ll find tools and advice on finding the best student loans, plus:

  • Sallie Mae student loans
  • Discover student loans


Taking out a student loan is only part of the process! After graduation is when the real work begins. Most student loans give you a grace period of a few months after you graduate college to begin repaying your loan(s), and at this point, you enter the repayment stage. We break down everything you need to know about making this transition, and what options are available to you if you’re concerned about repaying your loan(s).

We’ve got everything you need to learn about the different types of student loans, what your options are, and more to help you get from application to repayment! Get started below.

What is Student Loan Default? | Student FinTech

What is Student Loan Default?

If you’re in the process of comparing student loans, or are reading over your loan terms, you’ve most likely heard a term called “student loan default.” It’s not always clear what this means, and it can be difficult to decipher exactly what this means. However, it is an important term to understand. We’ve broken down

Cosigning a Student Loan: What to Know Beforehand | Student FinTech

What to Know Before Cosigning a Student Loan

If a friend or family member has approached you about cosigning a student loan, you may be tempted to accept without hesitation. While it’s great to help a loved one out, you should give it some thought before jumping right in. Cosigning a student loan – or, really, any loan in general – has more

How to Apply for Federal Student Loans | Student FinTech

How to Apply for Federal Student Loans

When it comes to paying for college, student loans are typically one of the first options that comes to mind. Although it’s wise to turn to free forms of financial aid – like grants and scholarships – first, student loans are a helpful resource to help fill gaps that other financial aid doesn’t cover. Federal

How Long Does it Take to Get a Student Loan? | Student FinTech

How Long Does it Take to Get a Student Loan?

The student loan process can be confusing, to say the least. Between new terminology, applications and paperwork, and trying to understand what all goes into it, there’s a lot to consider. One thing that many students find themselves asking as they dive in: how long does it take to get a student loan? The Short

Student Loan Terms You Should Know for 2020 | Student FinTech

Student Loan Terms You Should Know for 2020

As you compare student loans, you’ll likely stumble across at least a few student loan terms you’re unfamiliar with. Before you sign on the dotted line, familiarize yourself with this common student loan terminology that you might be unsure about. Amortization Amortization is a complicated word for a simple meaning. It’s essentially the process of


What is the Difference Between Subsidized and Unsubsidized Student Loans?

There’s a lot of confusing student loan terminology out there. When you’re looking at student loan options, you’ll likely hear a lot about subsidized and unsubsidized loans. If you’re not sure what they mean, don’t worry. We’ll break down what it all means, plus what the difference between subsidized and unsubsidized student loans is below.


What is a Student Loan Grace Period?

When you’re looking at the terms of your student loan, you’ll come across something called the student loan “grace period.” A grace period is a certain length of time when you aren’t required to make payments on your student loans. When you graduate or leave school, you’ll enter this period. Learn more about how it

Federal Student Loan Interest Rates for 2019-2020

Federal Student Loan Interest Rates for 2019-2020

If you’re thinking about taking out a federal student loan to help pay for college, you’re likely wondering what the federal student loan interest rates are for 2020. The interest rate on a student loan can have a big impact on the total amount you’ll pay over the life of the loan, so it’s important

Best Private Student Loan Tips for 2020

Best Private Student Loan Tips for 2020

Private student loans are a necessity for many college students, and are a great resource to help students fill gaps in financial aid. Without private student loans, going to college would be out of reach for many. If you’re considering taking out a private student loan, keep these student loan tips in mind to make

Top Student Loan Sites | Student FinTech

Top Student Loan Sites

Looking for a student loan to help cover college expenses? It can be hard to know where to start. We’ve been there – so we decided to round up our list of the top seven student loan sites to help you begin! offers loans for new or returning students who are looking for a