Student loans

Think offers higher education loans through iHelp.

These student loans are available to help pay education expenses after federal student loans, scholarships and grants have been awarded.

Features & benefits:

  • No loan origination, application, or prepayment fees.
  • No payments are required while the student is in school.
  • Loans are available for the total of education expenses as certified by the school, less other aid awarded.
  • An interest rate discount may be available if payments are made with automatic debit.
  • Interest that accrues while the student is in school will be added to the loan only once, when the loan enters repayment.
  • Cosigners generally help a student qualify for a loan and possibly a lower interest rate. Most students apply with a credit worthy cosigner.
  • Upon request and after 24 months of on time payments, the cosigner may be released from the loan. Additional criteria may apply.


  • The student must be enrolled at least half time at an eligible institution.*
  • The student must be a U.S. citizen or permanent resident.
  • Cosigners are not required, but generally help a student quality for a loan and possibly a lower interest rate.**
To qualify without a cosigner, a student will need a minimum of:

  • Verifiable income of $2,000 per month for the past 2 years.
  • Ability to pass a credit review and have no prior student loan defaults.

How to apply:

For additional information about loans available via the iHelp program or information about planning for higher education costs, call us at 1-800-288-3425.

* To be an eligible institution, a school must be an accredited, public or private non-profit, two, four or five year degree granting institution with a U.S. Department of Education Cohort Default Rate of less than 10%.
** The cosigner will be required to repay the loan if for any reason the student is unable to do so.