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Loan Applications
Most students start out with a Federal Stafford Loan, a program federally regulated and guaranteed. Typically, federal loan limits are not enough to cover the full cost of an education. Therefore, you can supplement it with other loan products that may require separate applications. Federal Loans
Affordable Stafford Loan
The federal government backs loans for both undergraduate and graduate students who are enrolled at least half-time in a degree program at an eligible school.
Before you apply for the Stafford Loan, you must fill out a Free Application for Federal Student Aid (FAFSA). This is a Federal document that can be completed online, at www.fafsa.ed.gov.
Then fill out an application for the Stafford Loan.
If you have questions or want to receive a paper application, Email us at educationfinance@charteronebank.com or call our Education Finance Specialists at 1-800-721-3969
Affordable PLUS Loan (for Parents and Graduate Students)
Qualification for a PLUS Loan is based on good credit only, with no debt-to-income ratio guidelines or employment verification requirements.
Parent Borrowers:
Graduate Student Borrowers:
Private Loans
Signature Student Loan
A loan made available through a partnership with Sallie Mae offering low interest rates and high aggregate loan limits. Funds are disbursed directly to the school. Requires certification by the college attended.
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| To contact us or apply: |
Email us
or call 1-800-721-3969
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All accounts are subject to individual credit approval.
Charter One reserves the right to modify or discontinue these benefits at any time. Changes to these benefits, if any, will affect only loans disbursed after the changes occur.
The lender for the above-mentioned Charter One loan program(s) is RBS Citizens, N.A., Member FDIC and Equal Opportunity Lender. RBS Citizens, N.A. may sell your student loan to a third party. RBS Citizens, N.A. will only sell your student loan if the third party agrees to honor all of RBS Citizens, N.A.'s promises to you, including all promised benefits that you will receive or might become eligible for during the loan repayment period.
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