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  iHELP Private Student Loan

iHELP Private Student Loan

in Private Student Loans from iHELP

Unaffiliated

iHELP Private Student Loan

Unaffiliated

in Private Student Loans from iHELP

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

iHELP Private Student Loan Review

iHELP Private Student Loan 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 Private Student Loan offer for in-school private student loan?

iHELP Private Student Loan 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 Private Student Loan?

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

Does iHELP Private Student Loan charge an origination fee?

No, iHELP Private Student Loan 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 Private Student Loan charge prepayment fees?

No, iHELP Private Student Loan 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 Private Student Loan offer?

iHELP Private Student Loan provides repayment terms ranging from 10 to 20 years.

What type of borrowers will iHELP Private Student Loan consider?

iHELP Private Student Loan considers loans applications from:

  • undergraduate students
  • graduate students

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

iHELP Private Student Loan 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 Private Student Loan only considers borrowers who are employed.

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

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Availability

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 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 10 - 20 years

iHELP Private Student Loan Community Reviews

 
 

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