Ready to apply for a VSAC loan? Let's get started.

Fixed-interest education loans with rates as low as 4.79% APR for undergraduates, graduate/professional students & parents

Begin your application by logging in to MyVSAC, our secure online portal. 

APPLY NOW THROUGH SECURE MYVSAC

VSAC's 2019–2020 student loans for undergraduate & graduate study offer fixed interest rates lower than the federal PLUS.
Choose your rate based on the repayment option you select.

VSAC 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.

4.79%

5.89%

6.90%

APR 4.79%5.51%

APR 5.89%6.47%

APR 6.65%7.15%

Compare Details
VSAC Student Loans for Parents

Immediate Repayment

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

4.79%

APR 4.79%5.51%

Delayed Repayment

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

6.70%

APR 6.66%7.33%

Compare Details

 

Get Started at MyVSAC!

  1. Click APPLY NOW to log in to our secure online portal that protects your data. New applicants will need to create a MyVSAC profile. You can use the same profile to access grants, scholarships, and loans.
  2. Apply for VSAC's student loan or parent loan to cover education costs for:
    • Out-of-state students attending a college in Vermont
    • Vermont residents attending college anywhere in the U.S. or internationally
  3. What you'll need for your application if you're a:
    • Student loan borrower

      Students, taking out a loan in your name? You'll need:

      • Your home address and email address
      • Your date of birth
      • Your Social Security Number
      • Your driver's license state 
      • 2 references who have known you for at least 3 years and are not your parents or your cosigner
      • Your cosigner's email address
      • Estimated financial aid
      • Requested loan amount & loan period (month/year of school)

       

    • Parent loan borrower

      Parents, taking out a loan in your name? You'll need:

      • Your home address and email address
      • Your date of birth
      • Your Social Security Number
      • Your driver's license state
      • 2 personal references (do not use the student as a reference)
      • Your student's full name, Social Security Number, date of birth, and driver's license state
      • Your student's school name, the requested loan amount, the loan period (month/year of school), and estimated financial aid

       

    • Cosigner (for student loan only)

      As the cosigner on a student's loan, you'll need:

      • Your home address and email address
      • Your date of birth
      • Your Social Security Number
      • Your driver's license state
      • 2 personal references (do not use the student as a reference)

       

Get started at My VSAC

Benefits of a VSAC Education Loan

VSAC offers: 

  • Fixed interest rates—lower than the federal PLUS
  • No or low origination fees (based on credit rating)
  • Your choice of repayment plan for the life of the loan
  • Loans for undergraduates, graduate/professional students, and parents
  • Free personalized education debt counseling
  • Local Vermont customer service

At VSAC, we've been helping students of all ages save, plan, and pay for college and training since 1965. We're local, we're nonprofit, and we're here for you.

Benefits of a VSAC education loan

After You Apply: What's Next?

  • As we move your application through the process, we'll send you updates. Be sure to check your email regularly!
  • If you have questions at any time, call us. That's why we're here.

 

LOAN QUESTIONS?

Give us a call to speak with one of our counselors. 

MondayFriday, 8:00 am4:30 pm, 800-226-1029

 

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Minimize Debt After Borrowing

Follow these 5 tips to keep your student loan interest charges as low as possible:

  1. Make your payments on time. 
  2. Pay a little extra with each payment. Even $20 extra a month can make a difference!
  3. Avoid extending your repayment term.
  4. Avoid deferring your interest payments.
  5. Avoid defaulting on your loan.
minimize debt