in Private Student Loans from iHELP




in Private Student Loans from iHELP

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Community Rating Mostly recommended
Fixed APR N/A
Variable APR 3.89% - 9.32%
Loan Amount $1,000 - $150,000

iHELP Review

iHELP is a private student loan offering by iHELP, a lending platform based in Aberdeen, SD. Founded in 1978, iHELP offers student loans in 50 states (and Washington, DC).

What rates does iHELP offer for in-school private student loan?

iHELP has a variable APR that ranges from 3.89% up to 9.32%.

Many students have little or no credit history when they start college. By having a parent or other creditworthy individual cosign the loan, the student may improve their chance of approval or qualify for lower interest rates.

How much can you borrow from iHELP?

Available loan amounts may vary by applicant but iHELP has a minimum loan amount of $1,000 and offers loans up to $150,000.

Does iHELP charge an origination fee?

No, iHELP does not charge a loan origination fee.

A loan origination fee is what some lenders charge for processing, underwriting, and funding a loan. Typically fees range from 0.5% to 5% of the loan amount. Whenever possible, go with lenders that don’t charge origination fees..

Does iHELP charge prepayment fees?

No, iHELP does not charge prepayment fees. This means you will not have to pay additional fees if you decide to pay the loan off early.

What terms does iHELP offer?

iHELP provides repayment terms ranging from 10 to 20 years.

What type of borrowers will iHELP consider?

iHELP considers loans applications from:

  • undergraduate students
  • graduate students

What do you need to qualify for a loan with iHELP?

iHELP doesn’t disclose its credit score minimum. The minimum age to apply for a loan is 18 or the state minimum, whichever is higher.

Note that borrowers can add a cosigner to the loan to either meet eligibility requirements or qualify for lower interest rates.

Borrower or cosigner must have a minimum income of $24,000 to qualify. iHELP only considers borrowers who are employed.

Only U.S. citizens and permanent residents can apply for a loan.

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Other Services by iHELP


Alaska Alabama Arkansas Arizona California Colorado Connecticut Washington, D.C. Delaware Florida Georgia Hawaii Iowa Idaho Illinois Indiana Kansas Kentucky Louisiana Massachusetts Maryland Maine Michigan Minnesota Missouri Mississippi Montana North Carolina North Dakota Nebraska New Hampshire New Jersey New Mexico Nevada New York Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Virginia Vermont Washington Wisconsin West Virginia Wyoming
  Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Washington, DC
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

Grace Period for Late Payment (Days) 6
No Origination Fee  
No Prepayment Fee  
Minimum Age 18
Cosigner Optional  
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Minimum Annual Income $24,000
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
Variable APR 3.89% - 9.32%
Loan Amount $1K - $150K
Loan Term (Years) 10 - 20

iHELP Community Reviews


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