Although college is expensive, it does come with some perks. One of the best things about being a student is all of the discounts that come with the title! Many companies offer discounts to students, some of which you may already be aware of, but some you may not; they’re not all advertised. To capitalize on these bargains, you should be sure to always carry your student ID card with you, even when you’re not on campus or you’re away on summertime breaking. Take advantage of having a student ID while you can; many student discounts are no longer available when your ID expires or when you turn 25 years old. Remember, it never hurts to ask if there’s a discount–the money you’ll save adds up promptly!
Amazon: All you need is an active. edu email address, and you can get six months of Amazon Prime for free. After your trial aims, you can get a Prime Student subscription for $49 annually, which is less than half the normal cost. With free two-day shipping for almost anything you might need, plus Kindle eBooks and Prime Video, it’s hard to come up with a reason not to sign up! Apple: Both current and newly accepted students can get discounts on new Apple devices like Macs and iPads to help with research studies! Additionally, students can get an Apple Music subscription for half-price ($ 4.99/ month ). FedEx: If you need to mail something, FedEx might have the best bargains around. Students receive 30% off the shipping cost of documents and envelopes, and 20% off the cost of packages. You must show your student ID in person to receive this discount. ID.me: This site offers specialized discounts and bargains to students who register–it’s free. The offers vary, but include discounts on apparel, travel, and technology. Retailers include Sperry, Nike, Ford, and Microsoft, but there are tons of others offering up to 15% off your buy and money back. Microsoft: A student email address will get you free access to Office 365, which includes programs like Word, Excel, PowerPoint, and OneNote. Additionally, students get a 10% discount on Windows devices, which could come in handy as you’re prepping for the next school years. The New York Times: For$ 1 per week, students can get access to unlimited articles on NYTimes.com. For $1.50, students can also get access to the crossword puzzles. The best part is, the rate remains the same for as long as you’re a student! Spotify and Hulu: These streaming services are offering a bundled deal to students, who can get both Spotify Premium and Hulu Limited Commercials for $4.99/ month. A Spotify Premium subscription is typically $9.99/ month, and Hulu starts at $7.99/ month, making this an awesome deal. StudentUniverse: Specializing in discounted hotels, flights, and tours for students between the ages of 18 and 25 years old, StudentUniverse has all of your travel requires covered. You must create a free account to access the discounted rates. Occasionally, promo codes offer greater discounts than the already discounted fares( for example, NEWFOR2 0 will get you an extra $20 off your first international flight ). This is a great resource for summertime journeys, study abroad, and travelling between home and campus. UNiDAYS: Like ID.me, UNiDAYS verifies your student status and gives you access to discounts and coupon codes available only to students. Categories including style, beauty, traveling, food, and technology. You must create an account to access the offers. Car Insurance: Whether you pay for your own insurance or you’re on your parents’ scheme, most insurance companies offer discounts for students, you maintain good grades. Print out your transcripts or present your most recent report card to your agent to ascertain your eligibility. Cell Phone Plan: T-Mobile offers discounted devices to students. AT& T offers monthly service discounts and discounted international plans to qualified faculty and students. Other mobile carriers may also offer discounts too; you’ll have to ask! Movie Theaters: Most large theater chains( AMC, Cinemark, Regal) offer discounted tickets for students. You’ll need to show your student ID to receive the inexpensive tickets. Museums: The list of museums that offer free or discounted admission to students is very long and spans the country( if not the world ). Check with any you’re planning to visit, and always travel with your student ID just in case. Restaurants: Many restaurants, especially casual chains like Chick-fil-A, Qdoba, and Burger King, offer student discounts. It never hurts to ask! Retail Stores: Similarly, many stores offer special discounts for students, including Jo-Ann Cloth and Crafts, J.Crew, Kate Spade, and more!
It never hurts to ask whether an event you’re attending or business you’re shopping at offers discounts for students. The worst anyone can say is “no, ” but as long as you ask, there’s the possibility that you’ll be rewarded with discounts. Your school may be another source for discounted tickets to local sporting events, reveals, and more.
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Interested in refinancing student loans? Here are the top 6 lenders of 2019!
LenderVariable APREligible Degrees
Check out the testimonials and our in-depth review! 1 Important Disclosures for SoFi. SoFi Disclosures Student loan Refinance:
Fixed rates from 3.890% APR to 8.074% APR( with AutoPay ). Variable rates from 2.540% APR to 7.115% APR( with AutoPay ). Interest rates on variable rate loans are capped at either 8.95% or 9.95% depending on word of loan. Consider APR examples and terms. Lowest variable rate of 2.540% APR assumes current 1 month LIBOR rate of 2.49% plus 0.04% margin minus 0.25% ACH discount. Not all borrowers receive the lowest rate. If approved for a loan, the fixed or variable interest rate offered will depend on your creditworthiness, and the term of the loan and other factors, and will be within the ranges of rates listed above. For the SoFi variable rate loan, the 1-month LIBOR index will adjust monthly and the loan payment is likely to be re-amortized and may change monthly. APRs for variable rate loans may increase after origination if the LIBOR index increases. Consider eligibility details. The SoFi 0.25% AutoPay interest rate reduction requires you to agree to make monthly principal and interest payments by an automatic monthly deduction from a savings or checking account. The benefit will discontinue and be lost for periods in which you do not pay by automatic allowance from a savings or checking account.* To check the rates and words you qualify for, SoFi conducts a soft credit investigation. Unlike hard credit investigations, soft credit investigations( or soft credit pulls) do not impact your credit rating. Soft credit inquiries let SoFi to show you what rates and terms SoFi can offer you up front. After seeing your rates, if you choose a product and continue your application, we will request your full credit report from one or more consumer reporting bureaux, which is considered a hard credit investigation. Hard credit inquiries( or hard credit pulls) are required for SoFi to be able to issue you a loan. In addition to requiring your explicit permission, these credit pulls may impact your credit score. SoFi rate scopes are current as of March 20, 2019 and are subject to change without notice.
Terms and Conditions Apply. SOFI RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS AND BENEFITS AT ANY TIME WITHOUT NOTICE. To qualify, a borrower must be a U.S. citizen or permanent resident in an eligible state and gratify SoFi’s underwriting requirements. Not all borrowers receive the lowest rate. To qualify for the lowest rate, you must have a responsible fiscal history and satisfy other conditions. If approved, your actual rate will be within the range of rates listed above and will depend on a variety of factors, including term of loan, a responsible fiscal history, years of experience, income and other factors. Rates and Terms are subject to change at anytime without notice and are subject to state limiteds. SoFi refinance loans are private loans and do not have the same repayment alternatives that the federal loan program offers such as Income Based Repayment or Income Contingent Repayment or PAYE. Licensed by the Department of Business Oversight under the California Financing Law License No. 6054612. SoFi loans are originated by SoFi Lending Corp ., NMLS# 1121636.( www.nmlsconsumeraccess.org)
2 Important Disclosures for Earnest. Earnest Disclosures
To qualify, you must be a U.S. citizen or possess a 10 -year( non-conditional) Permanent Resident Card, reside in a state Earnest lends in, and satisfy our minimum eligibility criteria. You may find more information on loan eligibility here: https :// www.earnest.com/ eligibility. Not all applicants will be approved for a loan, and not all applicants will qualify for the lowest rate. Approval and interest rate depend on the review of a complete application.
Earnest fixed rate loan rates range from 3.89% APR( with Auto Pay) to 7.89% APR( with Auto Pay ). Variable rate loan rates range from 2.54% APR( with Auto Pay) to 7.27% APR( with Auto Pay ). For variable rate loans, although the interest rate will differ after you are approved, the interest rate will never surpass 8.95% for loan terms 10 years or less. For loan words of 10 years to 15 years, the interest rate will never surpass 9.95%. For loan terms over 15 years, the interest rate will never exceed 11.95%( the maximum rates for these loans ). Earnest variable interest rate loans are based on a publicly available index, the one month London Interbank Offered Rate( LIBOR ). Your rate will be calculated each month by adding a margin between 1.82% and 5.50% to the a few months LIBOR. The rate will not increase more than once per month. Earnest rate scopes are current as of March 18, 2019, and are subject to change based on market conditions and borrower eligibility.
Auto Pay discount: If you induce monthly principal and interest payments by an automatic, monthly deduction from a savings or checking account, your rate will be reduced by one quarter of one percent( 0.25%) for so long as you continue to make automatic, electronic monthly payments. This benefit is suspended during periods of deferment and forbearance.
The information provided on this page is updated as of 0318/2019. Earnest reserves the right to change, intermission, or terminate product offerings at any time without notice. Earnest loans are originated by Earnest Operations LLC. California Finance Lender License 6054788. NMLS# 1204917. Earnest Operations LLC is located at 302 2nd Street, Suite 401 N, San Francisco, CA 94107. Words and Conditions apply. Visit https :// www.earnest.com/ terms-of-service, email us at hello @earnest. com, or call 888 -6 01 -2 801 for more information on ourstudent loan refinance product.
( c) 2018 Earnest LLC. All rights reserved. Earnest LLC and its subsidiaries, including Earnest Operations LLC, are not sponsored by or agencies of the United States of America.
3 Important Disclosures for Laurel Road. Laurel Road Disclosures
FIXED APR Fixed rate alternatives consist of a range from 3.75% per year to 5.80% per year for a 5-year word, 5.14% per year to 6.25% per year for a 7-year word, 5.24% per year to 6.65% per year for a 10 -year word, 5.30% per year to 7.05% per year for a 15 -year word, or 5.61% per year to 7.27% per year for a 20 -year word, with no origination fees. The fixed interest rate are applicable to until the loan is paid in full( whether before or after default, and whether before or after the scheduled maturity date of the loan ). The monthly payment for a sample $10,000 loan at a range of 3.75% per year to 5.80% per year for a 5-year word would be from $183.04 to $192.40. The monthly payment for a sample $10,000 loan at a range of 5.14% per year to 6.25% per year for a 7-year word would be from $142.00 to $147.29. The monthly payment for a sample $10,000 loan at a range of 5.24% per year to 6.65% per year for a 10 -year term would be from $107.24 to $114.31. The monthly pay for a sample $10,000 loan at a range of 5.30% per year to 7.05% per year for a 15 -year word would be from $80.65 to $90.16. The monthly pay for a sample $10,000 loan at a range of 5.61% per year to 7.27% per year for a 20 -year term would be from $69.41 to $79.16.
However, if the borrower chooses to build monthly payments automatically by electronic funds transfer( EFT) from a bank account, the fixed interest rate will decrease by 0.25%, and will increase back up to the regular fixed rate described in the preceding paragraph if the borrower stops building( or we stop accepting) monthly payments automatically by EFT from the designated borrower’s bank account.
VARIABLE APR Variable rate options consist of a range from 3.48% per year to 6.30% per year for a 5-year term, 4.85% per year to 6.35% per year for a 7-year word, 4.90% per year to 6.40% per year for a 10 -year word, 5.15% per year to 6.65% per year for a 15 -year term, or 5.40% per year to 6.90% per year for a 20 -year word, with no origination fees. APR is subject to increase after consummation. The variable interest rate will change on the first day of each month( “Change Date”) if the Current Index changes. The variable interest rates are based on a Current Index, which is the 1-month London Interbank Offered Rate( LIBOR)( currency in US dollars ), as published on The Wall Street Journal’s website. The variable interest rates and Annual Percentage Rate( APR) will increase or lessening when the 1-month LIBOR index changes. The variable interest rates are calculated by adding a margin ranging from 0.98% to 3.80% for the 5-year term loan, 2.35% to 3.85% for the 7-year term loan, 2.40% to 3.90% for the 10 -year term loan, 2.65% to 4.15% for the 15 -year term loan, and 2.90% to 4.40% for the 20 -year term loan, respectively, to the 1-month LIBOR index published on the 25 th day of every month immediately preceding each “Change Date, ” as defined above, rounded to two decimal places, with no origination fees. If the 25 th day of the month is not a business day or is a US federal holiday, the reference date will be the most recent date preceding the 25 th day of the month that is a business day. The monthly payment for a sample $10,000 loan at a range of 3.48% per year to 6.30% per year for a 5-year term would be from $181.83 to $194.73. The monthly payment for a sample $10,000 loan at a range of 4.85% per year to 6.35% per year for a 7-year word would be from $140.64 to $147.77. The monthly payment for a sample $10,000 loan at a range of 4.90% per year to 6.40% per year for a 10 -year term would be from $105.58 to $113.04. The monthly payment for a sample $10,000 loan at a range of 5.15% per year to 6.65% per year for a 15 -year term would be from $79.86 to $87.94. The monthly payment for a sample $10,000 loan at a range of 5.40% per year to 6.90% per year for a 20 -year word would be from $68.23 to $76.93.
However, if the borrower chooses to attain monthly pays automatically by electronic monies transfer( EFT) from a bank account, the variable rate will decrease by 0.25%, and will increase back up to the regular variable interest rate described in the preceding paragraph if the borrower stops stimulating( or we stop accepting) monthly payments automatically by EFT from the designated borrower’s bank account.
4 Important Disclosures for LendKey. LendKey Disclosures
Refinancing via LendKey.com is only available for applicants with qualified private education loans from an eligible institution. Loans that were used for exam preparation class, including, but not limited to, loans for LSAT, MCAT, GMAT, and GRE preparation, are not eligible for benefits refinancing with a lender via LendKey.com. If you currently have any of these exam preparation loans, you should not include them in an application to refinance your student loans on this website. Applicants must be either U.S. citizens or Permanent Residents in an eligible nation to qualify for a loan. Certain membership requirements( including the opening of a share account and any applicable association fees in connection with membership) may apply in the event that an applicant wishes to accept a loan offer from a credit union lender. Lenders participating on LendKey.com reserve the right to modify or discontinue the products, words, and benefits offered on this website at any time without notice. LendKey Technologies, Inc. is not affiliated with , nor does it endorse, any educational institution.
5 Important Disclosures for CommonBond. CommonBond Disclosures
Offered words are subject to change. Loan are offered by CommonBond Lending, LLC( NMLS# 1175900 ). If you are approved for a loan, the interest rate offered will depend on your credit profile, your application, the loan word selected and will be within the scopes of rates shown.
All Annual Percentage Rates( APRs) displayed assume borrowers enroll in auto pay and account for the 0.25% reduction in interest rate. All variable rates are based on a 1-month LIBOR assumption of 2.5% effective February 10, 2019.
6 Important Disclosures for Citizens Bank. Citizens Bank Disclosures Education Refinance Loan Rate Revealing: Variable rate, on the basis of the one-month London Interbank Offered Rate (” LIBOR “) published in The Wall Street Journal on the twenty-fifth day, or the next business day, of the preceding calendar month. As of March 1, 2019, the one-month LIBOR rate is 2. 48%. Variable interest rates range from 2.98% -9. 72%( 2.98% -9. 72% APR) and will fluctuate over the word of the borrower’s loan with changes in the LIBOR rate, and will differ based on applicable terms, level of degree earned and presence of a co-signer. Fixed interest rates range from 3.89% -9. 99%( 3.89% -9. 99% APR) based on applicable words, level of degree earned and presence of a co-signer. Lowest rates presented are for eligible, creditworthy applicants with a graduate level degree, require a 5-year repayment term and include our Loyalty discount and Automatic Payment discounts of 0.25 percentage points each, as outlined in the Loyalty and Automatic Payment Discount revealings. The maximum variable rate on the Education Refinance Loan is the greater of 21.00% or Prime Rate plus 9.00%. Subject to additional terms and conditions, and rates are subject to change at any time without notice. Such changes will only apply to applications taken after the effective date of change. Please note: Due to federal regulations, Citizens Bank is required to provide every potential borrower with disclosure datum before they apply for a private student loan. The borrower will be presented with an Application Disclosure and an Approval Disclosure within the application process before they accept the terms and conditions of their loan. Federal Loan vs. Private Loan Benefits: Some federal student loans include unique benefits that the borrower may not receive with a private student loan, some of which we do not offer with the Education Refinance Loan. Borrowers should carefully review their current benefits, especially if they work in public service, are in the military, are currently on or considering income based refund alternatives or are concerned about a steady source of future income and would want to lower their payments at some time in the future. When the borrower refinances, they waive any current and potential future benefits of their federal loans and replace those with the benefits of the Education Refinance Loan. For more information about federal student loan benefits and federal loan consolidation, visit http :// studentaid.ed.gov /. We also have several resources available to help the borrower make a decision at http :// www.citizensbank.com/ EdRefinance, including Should I Refinance My Student Loans ? and our FAQs. Should I Refinance My Student Loans ? includes a comparison of federal and private student loan benefits that we encourage the borrower to review. Citizens Bank Education Refinance Loan Eligibility: Eligible applicants may not be currently enrolled. Applicants with an Associate’s degree or with no degree must have made at least 12 qualifying payments after leaving school. Qualifying payments are the most recent on time and consecutive pays of principal and interest on the loans being refinanced. Primary borrowers must be a U.S. citizen, permanent resident or resident foreigner with a valid U.S. Social Security Number residing in the United States. Resident aliens must apply with a co-signer who is a U.S. citizen or permanent resident. The co-signer( if applicable) must be a U.S. citizen or permanent resident with a valid U.S. Social Security Number residing in the United States. For applicants who have not reached the age of majority in their state of residency, a co-signer will be required. Citizens Bank reserves the right to modify eligibility criteria at anytime. Interest rate ranges subject to change. Education Refinance Loans are subject to credit qualification, completion of a loan application/ consumer credit agreement, verification of application info, certification of borrower’s student loan amount( s) and highest degree earned. Loyalty Discount Disclosure: The borrower will be eligible for a 0.25 percentage point interest rate reduction on their loan if the borrower or their co-signer( if applicable) has a qualifying account in existence with us at the time the borrower and their co-signer( if applicable) have submitted a completed application permitting us to review their credit request for the loan. The following are qualifying accounts: any checking account, savings account, money market account, certificate of deposit, automobile loan, home equity loan, home equity line of credit, mortgage, charge card account, or other student loans owned by Citizens Bank, N.A. Please note, our the monitoring and savings account options are only available in the following states: CT, DE, MA, MI, NH, NJ, NY, OH, PA, RI, and VT and some products may have an associated cost. This discount will be reflected in the interest rate disclosed in the Loan Approval Disclosure that will be provided to the borrower once the loan is approved. Restriction of one Loyalty Discount per loan and discount will not be applied to prior loans. The Loyalty Discount will remain in effect for the life of the loan.
Automatic Payment Discount Disclosure: Borrowers will be eligible to receive a 0.25 percentage point interest rate reduction on their student loans owned by Citizens Bank, N.A. during such day as payments are required to be made and our loan servicer is authorized to automatically deduct payments each month from any bank account the borrower designates. Discount is not available when pays are not due, such as during patience. If our loan servicer is unable to successfully withdraw the automatic allowances from the designated account three or more days within any 12 -month period, the borrower will no longer be eligible for this discount. Co-signer Release: Borrowers may apply for co-signer release after stimulating 36 consecutive on-time payments of principal and interest. For the purpose of the application for co-signer release, on-time payments shall be considered as payments received within 15 days of the due date. Interest only payments do not qualify. The borrower must meet certain credit and eligibility guidelines when applying for the co-signer release. Borrowers must complete an application for release and provide income verification documents as one of the purposes of the review. Borrowers who use deferment or patience required to construct 36 consecutive on-time pays after reentering refund to qualify for release. The borrower applying for co-signer release must be a U.S. citizen or permanent resident. If an have applied for co-signer release is denied, the borrower may not reapply for co-signer release until at least one year from the date the have applied for co-signer release was received. Terms and conditions apply. Borrowers whose loans were funded prior to reaching the age of majority may not be eligible for co-signer release. Note: co-signer release is not available on the Student Loan for Parents or Education Refinance Loan for Parents.
Our squad at Student Loan Hero works hard to find and recommend products and services that we believe are of high quality and will make a positive impact in your life. We sometimes earn a sales commission or ad fee when recommending various products and services to you. Similar to when you are being sold any product or service, be sure to read the fine print understand what you are buying, and consult a licensed professional if you have any concerns. Student Loan Hero is not a lender or investment advisor. We are not involved in the loan approval or investment process , nor do we stimulate credit or investment related decisions. The rates and terms listed on our website are estimates and are subject to change at any time. Please do your homework and let us know if you have any questions or concerns.
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