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

 

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

Are you experiencing financial hardship?

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.

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.

Our low rates for 2021–2022: VSAC student and parent loans for undergraduate or graduate study offer competitive fixed interest rates as low as 3.79% APRour lowest fixed rate ever! 

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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%

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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%

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