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Better Choices for Your Future

Better Choices for Your Future

Your loan options should be as wide open as your future. We can help you find the best financial plan to pay for your educational journey. Prequalify1 in minutes to check your rate with no impact to your credit score. With a Custom Choice Loan®, you’ll get great benefits and the ability to design a loan that’s customizable to your needs.

What You Need to Apply

Personal Information

  • Pay stub (no more than 30 days old) or other proof of income
  • Monthly housing cost (rent, mortgage, other)
  • Permanent resident aliens and Eligible Non-Citizens2 will be required to provide documentation regarding current immigration status in the United States. The document(s) must be valid through the academic period.

School Information 

  • Anticipated graduation date
  • Loan amount
  • Academic period for loan

 

Additional information may be required after your application is submitted for review.

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Check Out Our Competitive Rates

Make automatic payments from a bank account and receive a .25% discount.3 Plus, all loans include a 2% principal reduction with proof of graduation.4

Variable Rate

1.03% - 9.67%
APR3,5,6

Fixed Rate

3.20% - 10.76%
APR3,5,6

Lowest APRs include a 0.25% discount when auto pay is elected.5,6

Flexible Borrowing Options

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Rate Type:
Students can choose whether they want to lock in a fixed interest rate or allow for changes with market volatility with variable interest rates.

Terms:
The choice is yours whether to pay your loan over 7, 10 or 15 years.9 You know which repayment timeline works best for your budget.

Limits and Maximums:

  • $1,000 minimum loan amount10
  • $99,999 annual loan maximum10
  • $180,000 aggregate student loan limit (total amount of student loan debt allowable)10

Resources

Have some questions for us?
We have answers.

Everything you need to know about private student loans.

Contact Us

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Speak with a Custom Choice Loan Specialist

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Email a Custom Choice Loan Specialist

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Reach Us by Mail

Cognition Financial
200 Clarendon Street, 3rd Floor
Boston, MA 02116