Comparar préstamos estudiantiles privados

¿Está pensando en pedir un préstamo estudiantil privado para ir a la universidad?

Un préstamo estudiantil privado es un préstamo para ir a la universidad otorgado por un prestamista privado en vez del gobierno. Se puede usar para cubrir los costos de una universidad pública o privada aprobada cuando la ayuda federal no es suficiente. Los estudios indican que el 70% de los estudiantes universitarios se estresan por el dinero1, lo que hace difícil concentrarse en sus estudios. Con un préstamo estudiantil privado de SunTrust tendrá los fondos que necesita para estudiar con confianza, junto con una variedad de beneficios:

  • Hasta un 0.50% en reducciones de tasas: reciba un descuento del 0.25% por hacer pagos automáticos de su préstamo (AutoPay) y otro 0.25% por usar AutoPay desde una cuenta con SunTrust. Juntos de verdad suma.2
  • Special rewards — depending on the product you choose, receive a principal reduction as a graduation reward3, a rate reduction for consistently paying on-time7 or no interest (0% APR) for the first six months13.
  • Sin cargo por solicitud: algunos prestamistas cobran una variedad de cargos. SunTrust no cobra cargos por solicitud, apertura ni pago anticipado.
Looking to reduce your interest rate by 0.50%?

If you are looking for a student loan, get 0.50% off the interest rate when you apply for a new Custom Choice Loan on or before 8/31/19!*

Read Important Disclaimers

* Offer valid for new Custom Choice Loans for which applications are submitted for a credit decision between 12:00:00am EST on June 1, 2019 and 11:59:59pm EST on August 31, 2019. A 0.50% interest rate reduction will be included in the loan options presented to an applicant during the online application process, upon passing the initial credit review. The interest rate reduction will be applied as of the first disbursement date and will be effective for the life of the loan.

Take 0.50% off your interest rate when you apply for a new Custom Choice Loan on or before 8/31/19.* Don’t delay covering college related expenses!

 

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¿Quiere saber cómo funciona el proceso de solicitud? Vea todos los detalles sobre el proceso de solicitud, entrega el préstamo, opciones de devolución y más.

 

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¿Todavía está en la etapa de planificación para ir a la universidad? ¿Quisiera más información sobre cómo planificar y pagar la universidad? Este es su punto de partida.

 

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Información importante sobre estos productos

Before applying for a private student loan, SunTrust recommends comparing all financial aid alternatives including grants, scholarships, and both federal and private student loans.

Union Federal is a federally registered trademark of Cognition Financial Corporation. Start Student Loan is a trademark of Cognition Financial Corporation. Both are used by SunTrust Bank under license. SunTrust Bank is the lender of these private student loans and they are not offered in connection with any other lender or the federal government. Cognition Financial Corporation is not an affiliate of SunTrust Bank.

Es posible que se apliquen ciertas restricciones y limitaciones. SunTrust Bank se reserva el derecho a cambiar o interrumpir estos programas sin previo aviso. These loan programs are subject to approval under the SunTrust credit policy and other criteria and may not be available in certain jurisdictions.

*

Rates shown for the Custom Choice Loan include the Summer Savings discount of 0.50%. Offer valid for new Custom Choice Loans for which applications are submitted for a credit decision between 12:00:00am EST on June 1, 2019 and 11:59:59pm EST on August 31, 2019. A 0.50% interest rate reduction will be included in the loan options presented to an applicant during the online application process, upon passing the initial credit review. The interest rate reduction will be applied as of the first disbursement date and will be effective for the life of the loan.

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Earn an interest rate reduction for making automatic payments of principal and interest from a bank account (“auto pay discount”) by completing the direct debit form provided by the Servicer. Earn a 0.25% interest rate reduction when you auto pay from any bank account and an extra 0.25% interest rate reduction when you auto pay from a SunTrust Bank checking, savings, or money market account. The auto pay discount will be applied after the Servicer validates your bank account information and will continue until (1) three automatic deductions are returned for insufficient funds during the life of the loan (after which the discount cannot be reinstated) or (2) automatic deduction of payments is stopped (including during any deferment or forbearance, even if payments are made). In addition, the extra 0.25% interest rate reduction for auto pay from a SunTrust Bank checking, savings or money market account will be discontinued if automatic payments are no longer made from one of the aforementioned SunTrust Bank accounts. In the event the auto pay discount is discontinued, the loan will accrue interest at the rate stated in your Credit Agreement.

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The principal reduction is based on the total dollar amount of all disbursements made, excluding any amounts that are reduced, cancelled, or returned. To receive this principal reduction, it must be requested from the servicer, the student borrower must have earned a bachelor’s degree or higher and proof of such graduation (e.g. copy of diploma, final transcript, or letter on school letterhead) must be provided to the servicer. This reward is available once during the life of the loan, regardless of whether the student receives more than one degree.

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Private student loans that can be refinanced with a new SunTrust private student loan are private student loans and private consolidation loans that the student applicant used for, or used to refinance loans used for, certain postsecondary expenses not currently in a past due status. Los préstamos que no pueden ser refinanciados con este préstamo son (1) préstamos estudiantiles privados para los cuales el solicitante estudiante no es el prestatario principal, (2) préstamos estudiantiles federales y (3) préstamos estudiantiles hechos por una institución educativa. Loans being refinanced must have been used for "qualified higher education expenses" (defined by the Internal Revenue Code), which consists of expenses included in the Higher Education Act's definition of "cost of attendance".

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Eligibility Requirements and Age Limits: the student must be enrolled at least half‐time or more in a degree granting program at an approved school. The student must be the legal age of majority at the time of application, or at least 17 years of age if applying with a cosigner who meets the age of majority requirements in the cosigner's state of residence. The legal age for entering into contracts is 18 years of age in every state except Alabama (19 years old), Nebraska (19 years old, only for wards of the state), Mississippi and Puerto Rico (21 years old). Private student loans funded by SunTrust are not available to students or cosigners who are permanent residents of Iowa or Wisconsin. All of SunTrust private student loans are available to U.S. citizens or permanent resident aliens except that they are not available to permanent residents of Iowa or Wisconsin. International students can apply for the Union Federal Private Student Loan with an eligible cosigner who is a U.S. citizen or permanent resident alien.

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Interest rates and APRs (Annual Percentage Rates) depend upon (1) the student’s and cosigner’s (if applicable) credit histories, (2) the repayment option and repayment term, (3) the requested loan amount and (4) other information provided on the online loan application. If approved, applicants will be notified of the rate applicable to your loan. Rates and terms are effective for applications received after . The APRs for all products except the Start Student Loan assume a $10,000 loan with two disbursements and no auto pay; the low APRs assume a 7-year loan with no deferment and the high APRs assume a 15-year loan with full-deferment while in-school. The APRs for the Start Student Loan assume a 0% introductory APR for six months from the first disbursement date, a 15-year $10,000 loan, with two-disbursements and full deferment. The variable interest rate for each calendar month is calculated by adding the current index (One-month LIBOR index) to your margin. LIBOR stands for London Interbank Offered Rate. The One‐month LIBOR is published in the "Money Rates" section of the Wall Street Journal (Eastern Edition). The One-month LIBOR index is captured on the 25th day of the immediately preceding calendar month (or if the 25th is not a business day, the next business day thereafter), and is rounded up to the nearest 1/8th of one percent. The current One‐month LIBOR index is % on . The variable interest rate will increase or decrease if the One‐month LIBOR index changes or if a new index is chosen. The applicable index or margin for variable rate loans may change over time and result in a different APR than shown. The fixed rate assigned to a loan will never change except as required by law or if you request and qualify for the auto pay discount(s).

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The 0.25% interest rate reduction will automatically be applied if either one of the following payment conditions has been met: (a) the first 36 consecutive monthly payments are made on-time (received by the servicer within 10 calendar days after their due date) or (b) an amount equal to the first 36 months of scheduled payments (based on the monthly payment amount in effect when you make the most recent payment) has been paid and is not preceded by any late payments. Payments made prior to the start of your repayment term do not count toward the number of required monthly payments. As an example, if you have made 30 months of consecutive on-time payments, and then, based on the monthly payment amount in effect on the due date of your 31st consecutive monthly payment, you pay a lump sum equal to 6 months of payments, the reduction will be automatically applied as of your 31st payment.

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All of SunTrust private student loans are available to U.S. citizens or permanent resident aliens. International students can apply for the Union Federal Private Student Loan with an eligible cosigner who is a U.S. citizen or permanent resident alien. None of SunTrust private student loans are available to students/cosigners who are permanent residents of Iowa or Wisconsin.

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