Student Credit Cards

helping students find the credit cards they need to manage their money and college expenses

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Student Credit Cards

Student College Needs
calculate money for college

Let's Talk Money for College

Do you have enough money for college? That's a big worry for many students and parents. But by calculating, budgeting and planning your college aid needs, you can find the funds you need for school.

Your first step is estimating how much funds you need. Then review options on where to raise additional money for school.


First, Estimate Your College Costs


Tuition check your school for the cost of tuition
Books/Fees estimate the number of books-fees per class
Room/Board estimate your cost for housing, food and living
Transportation include transportation cost to and from school
Computer determine if you need the use of a computer
Other
include any other education-related costs


Next, Estimate What Money You Now Have


Stafford Loans enter amounts for Stafford student loans that you have
PLUS Loans enter amounts for PLUS loans, if any
Scholarships-Grants enter amount of grants and scholarships awarded
Other Gift-Aid enter state, community and private aid funding
Prepaid Tuition enter funds from prepaid tuition and 529 plans
Personal Savings enter savings from work, family, gifts, and other


Now, Calculate Your Money Position
Total Cost of Attendance $
Current Funds Available $
Additional Funds Needed $
  need additional funds for college
private student loans

You Can Get Up to $40,000 ... 1

... to pay for tuition, housing, computer, and other related college expenses

and pay nothing back until after you
graduate from college. 2
  • get the money you need in as little as 5 business days
  • have the money sent directly to you
  • apply for the money you need anytime during the school year
  • use the funds to pay for last year's education expenses

  • no need to pay one cent until after you graduate 2
  • special discounts for qualified applicants
  • competitive rates and terms

The SayStudent Private Student Loan can be your money source for paying college expenses.

 
apply for private student loans

Need More Information

you can link to our private student loan module for a complete information on how private student loans can pay for education.

or dial toll FREE: 1-866-230-4578
our loan specialists can answer questions and product information -
no obligation whatsoever

Apply Now

The lender for the SayStudent Private Student Loan program is RBS Citizens, N.A., Member FDIC and Equal Opportunity Lender.

 
budget college expenses

Make Sure to Budget Your Spending

Just because you can borrow money doesn't mean you need to spend it all. Be careful with your spending so that you borrow only the money you need.

Our recommendation is to build a budget plan for college. Budget your aid sources and your monthly spending amounts. The budgeting plan will maintain a daily cash position for the academic year.

see our module on building a college budget
 
other financial aid options

Other Financial Aid Options

View other available financial aid options:
 

Legal Information:
1 Undergraduate and graduate borrowers may borrow annually up to the lesser of the estimated annual cost of attendance or $30,000 ($40,000 for certain schools where the cost of attendance has been determined to exceed $30,000). Borrowers in Continuing Education programs may borrow up to $30,000. Subject to credit approval.

2 Undergraduates may defer repayment until six months after graduation or ceasing to be enrolled at least half-time. Immediate and interest only repayment options are also available. Graduate repayment is automatically deferred. Continuing education borrowers begin repayment the earlier of a) 180 days after the student graduates or earns a certificate; b) 180 days after the student ceases to be enrolled; or c) two years after the date of the loan disbursement. K-12 loans are immediate repayment loans.

 

About Private Student Loans

Private student loans are a great supplement to financing college. When other aid options fall short, students can use private student loans to make up the difference between the cost of education and financial aid received. You can borrow up to $40,000 or more per year with a private student loan to pay tuition, books, supplies, transportation and even a computer. With a private student loan, you will make no payments until after you graduate.

There are plenty of lenders out there who are more than happy to lend you the money. Incentives and ad displays promising you all the money you need without having to pay anything until after graduation is one way that lenders lure borrowers. This sounds enticing, but are you certain that you understand the long-term costs using a private student loan? See our article at our www.SayStudent.com aid center on understanding the true costs of private student loans.

The lender for the SayStudent Private Student Loan program 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.