Student Loans Without Cosigners
Students can obtain college loans without a cosigner.
Follow these simple steps to secure a non-credit based student loan
for a no cosigner student loan.

 

Site Info On:
CFS Student Loan or
Collegiate Funding Services

cfs student loan

A CFS student loan offers non-credit based student loans to college students and they may at the same time also reduce their payments. CFS consolidates federal student loans to provide students and former students with the ability to take advantage of lower interest rates and less paperwork. CFS Collegiate Funding Services is owned and operated by JPMorgan Chase Bank. With a CFS student loan consolidation, students also gain the ability to actually reduce their payments and interest. A loan through CFS provides numerous other advantages for students including the following:

  • The ability to reduce the amount of interest paid throughout the life of the loan
  • The option of an interest rate reduction
  • Tax deductible interest
Eligibility requirements do apply for the CFS student loan. Common eligibility requirements include:
  • $7500 or more in federal student loans
  • All loans considered for consolidation must be in either the grace period or in repayment status
  • Student loans considered for consolidation include: subsidized and unsubsidized Stafford loans, Federal Supplemental Loans for Students, Federal Perkins Loans, Federal Insured Student Loans, Federal PLUS loans, Direct PLUS loans, Subsidized Federal Consolidation loans, Direct Subsidized Consolidation loans, Direct Unsubsidized Consolidation loans and Federal Nursing loans.
Various repayment options are also offered with a student loan through CFS. In some cases repayment options can be extended up to 30 years; primarily depending upon the amount of the student loan. Five different repayment plans are offered:
  • Level Repayment Plan-fixed monthly payments
  • Two Year Graduated Repayment Plan-lower payments over the first two years of the loan with increases that begin in year three of repayment
  • Four Year Graduated Repayment Plan-lower payments over the first four years of the loan with increases that begin in year five of repayment
  • Income Sensitive Repayment Plan-Payment options calculated on current income levels and adjusted annually.
  • Extended Repayment Plan-Under special circumstances, a borrower may be able to repay the amount of their loan over a 25 year period of time.

Individuals considering a CFS student loan should know that no origination or loan fees are charged and interest rates are set by the federal government each July 1. Discounts are offered for certain incentives, such as signing up for automatic payments and making payments on time. A CFS student loan has loans available for college students, graduate students, recent graduates, high school students, parents and even continuing education.

As always, we recommend that you first see if you qualify for a free college scholarship by going to: Need money for college? Use FastWeb's free scholarship search to find information on more than 1.3 Million scholarships! Chances are very good that you will qualify for some type of free scholarship because most scholarships are not used up by the various participating colleges because people simply do not apply to find out. Colleges want to give them away so students will attend school their.

Chase Student Loan CFS collegiate funding services is a major student loan provider on private as well as other various types of college loan programs.

 

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