Coming to College In Vermont?

VSAC fixed-rate student and parent loans are open to non-residents.

As a student coming to Vermont, you have access to all that the Green Mountain State has to offer, including VSAC loan services. We serve students at Bennington College, Champlain College, Community College of Vermont, Landmark College, Middlebury College, Norwich University, Saint Michael's College, Sterling College, University of Vermont, Vermont State University and more. 

Since 1965, our mission has been to help students — including those (like you) coming to Vermont from other states — save, plan, and pay for college and career training. We provide students (and their parents):

• Personalized help from experts in Vermont: At VSAC, we understand that many families will need to borrow to pay some of their college costs. Our Vermont-based customer service team is here to help you understand your financial aid and loan options so you borrow only what you need, and minimize your cost of borrowing.
• Low-cost fixed-rate loans for undergraduate & grad/professional studies. Our student & parent loans are available for all your years of education beyond high school. 

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Know More. Borrow Less. Wherever you're at in the process, there's something here for you; and we're here to help. 

Questions? Call us Monday–Friday, 8:00 am–4:30 pm, 800-226-1029. 

About Your Interest Rate 

¹Lowest APR's are available for the most creditworthy applicants, Immediate Repayment, lowest term option and include VSAC's 0.25% interest rate discount.

²APR's for student and parent borrowers assume a $10,000 loan where the student attends school for 4 years and 2 equal disbursements in the first year.

For Student and Parent Loan Immediate Repayment, loan enters repayment at final disbursement. For Student Loan Interest Only and Deferred Payment, loan enters repayment after 4 years. For Parent Loan Delayed Repayment, loan enters repayment one year following final disbursement.

To receive a 0.25% interest rate discount, the borrower must enroll in VSAC’s auto debit through LoanPay. The interest rate discount benefit is for VSAC Student, VSAC Parent, and VSAC Choice loans with credit approved on or after May 15, 2025, for the 2025–2026 loan product year. The discount applies during active repayment when you make full or agreed upon reduced payments, as long as: (1) Your monthly payment is successfully withdrawn from the authorized bank account each month; (2) All your VSAC loans are 15 days or less past due; and (3) You agree to receive paperless statements. The interest rate discount is suspended during no-pay forbearance, after 3 consecutive failed payments, or if you cancel paperless statements or auto debit. The interest rate discount will not be reflected in the credit agreement, or disclosures you receive. You must enroll in VSAC’s auto debit through LoanPay when your loan enters repayment. 

VSAC reserves the right to modify, terminate, or discontinue borrower benefits at any time, at its sole discretion.