Learn more about the limited time waiver for the Public Service Loan Forgiveness (PSLF) program.
- Student Loans
- Ready to Apply
- Ready to Apply
Ready to apply for a student loan? Let's get started.
Fixed-interest loans for Vermonters attending any college, and for out-of-state students attending any Vermont college.
Questions? Call us Monday–Friday, 8:00 am–4:30 pm, 800-226-1029
VSAC's 2021–2022 student loans for undergraduate & graduate study offer fixed interest rates.
Your fixed interest rate will be based on the repayment plan you choose; your fees will be based on your credit rating. Your final APR is based on both your credit and the repayment option you choose.
| for Undergraduate & Graduate Students | ||
|---|---|---|
|
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. |
|
3.79% |
5.20% |
6.10% |
|
APR 3.79%–4.50% |
APR 5.20%–5.76% |
APR 5.90%–6.40% |
| Details | ||
| for Parents | |
|---|---|
|
Immediate Repayment "Immediate" means you start principal & interest payments 15–45 days after loan is fully disbursed. 3.79% APR 3.79%–4.50% |
Delayed Repayment "Delayed" means you begin repayment 12 months after loan is fully disbursed. 6.10% APR 6.07%–6.72% |
| Details | |
Get Started!
- 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
- New to VSAC? You'll need to create a MyVSAC profile. You can use this same profile to access grants, scholarships, and loans.
-
- Student loan borrower
- Parent loan borrower
- Cosigner (for student loan only)
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!
- Learn more about student loan repayment.
- 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.
Monday–Friday, 8:00 am–4:30 pm, 800-226-1029
Minimize Debt After Borrowing
Follow these 5 tips to keep your student loan interest charges as low as possible:
- Make your payments on time.
- Pay a little extra with each payment. Even $20 extra a month can make a difference!
- Avoid extending your repayment term.
- Avoid deferring your interest payments.
- Avoid defaulting on your loan.
