If so, the Signature Student Loan^®, a popular after-Stafford loan, can help! Brought to you by Sallie Mae — the nation's leader in education finance — and AMS.

Eligibility

• Attend a four- or five-year college or university at least half time and be working toward your degree.
• Meet credit criteria.
• Be in good academic standing.

Benefits

• High approval rates.
• Cosigners help you qualify for a lower interest rate and can be removed from loan obligation after you make 24 on-time payments of principal and interest (you'll need to meet credit requirements).
• High aggregate loan limits so you can borrow as much as you need to pay for school.
• Easy online account management 24/7.
• Convenience of having all your student loans in one place and receiving one monthly bill when your Stafford loans are serviced by Sallie Mae.

Features

• Easy online applications with fast credit decision and electronic signature.
• No minimum income requirement.
• Cosigners help you get a lower interest rate and save a lot of money.
• Available for U.S. students in study abroad programs.
• International students are eligible with a cosigner (who must be a U.S. citizen or permanent resident) and applicable CIS documents.
• No payments are required while you are in school.

Loan terms

Aggregate loan limits

• $100,000 for undergraduates.*
• $150,000 for graduate students.*
• $220,000 for graduate health disciplines.*
• Need more? Just get a cosigner.

*Includes all student loan debt, federal and private.

Interest rate

• Interest rates are variable and based on the Prime Rate.
• Manage your credit well and get a low interest rate.
• Make interest payments during school so you have a lower amount to repay.

Fees

Usually 0%; a fee may be assessed depending on credit history.

Repayment

• Low monthly payments with repayment terms up to 30 years.  Actual term is based on aggregate private loan balance.
• Prepay your loan at any time without penalty.