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Choosing a student loan?
You're in the right place.

 

Chances are you’re both excited and a little overwhelmed. Especially if you’re like most students (and parents) who will need to borrow to fund college or training.  

At VSAC, we understand that loans can be complicated. That’s why we’re here.  

COVID-19 and Vermont Grants

Are you a Vermont student experiencing financial hardship since COVID-19?

You may be eligible for more financial aid. Find out how.

As Vermont’s nonprofit state agency, we can help you learn about and apply for grants and scholarships (“gift aid”) so that you borrow only what you need. We’ll help you understand the difference between federal loans and “private loans” (they're not created equal) and what your choice of interest rate and repayment plan can actually mean in dollars and cents so that you can make the best decisions for you, with the goal of minimizing the amount you’ll pay now and in the long term. And we provide tips along the way.

Know more. Borrow less.

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

Announcing our new low rates for 2020–2021: VSAC student and parent loans for undergraduate or graduate study offer competitive fixed interest rates as low as 3.99% APRour lowest fixed rate ever! 

APPLY NOW THROUGH SECURE MYVSAC

CHECK AN EXISTING APPLICATION

VSAC 2020–2021
Student Loans

Immediate Repayment

"Immediate" means you start principal & interest payments 15–45 days after loan is fully disbursed.

Interest-Only Repayment

"Interest-only" means you start monthly interest payments 15–45 days after loan is fully disbursed.

Deferred Repayment

"Deferred" means you begin repayment 15–45 days after enrollment ends.

3.99%

5.10%

6.30%

APR 3.99%4.70%

APR 5.10%5.66%

APR 6.09%6.58%

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VSAC 2020–2021
Student Loans for Parents

Immediate Repayment

"Immediate" means you start principal & interest payments 15–45 days after loan is fully disbursed.

3.99%

APR 3.99%4.70%

Delayed Repayment

"Delayed" means you begin repayment 12 months after loan is fully disbursed.

6.30%

APR 6.27%6.92%

Compare Details