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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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2 users don't recommend
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Community Rating

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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 offered by iHELP, a financial services company founded in 1978 and based in Aberdeen, SD. iHELP Private Student Loan is offered 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 $1K and offers loans up to $150K.

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 iHELP Private Student Loan?

iHELP Private Student Loan does not require or does not disclose a credit score minimum. The minimum age to be eligible is 18 or the state minimum, whichever is higher.

To qualify for private student loans with iHELP Private Student Loan, applicants need a minimum annual income of $24,000 or higher. iHELP Private Student Loan only considers borrowers who are employed and meet the minimum income requirement. Note that borrowers can add a cosigner to either meet eligibility requirements or qualify for lower interest rates.

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

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

iHELP Private Student Loan Community Reviews

 

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