Congrats, you’re taking your education – maybe even your career or income – to the next level! If you’re short on cash for school or you want to make existing student debt more affordable, we've got you. Looking to save money on your student loans? Or just wondering if you're paying more than you need to? Refinance with Summit today and you'll get $300 cash back!  or call 800-236-5560. Decide if you need a cosigner. Review and choose your payment options. Sign and accept your loan. Have questions about the application or any of these steps? Summit’s student loan experts are here to help.  today. To apply for a loan, you need to be:

• A U.S. citizen or permanent resident
• 18 or older
• Enrolled in an eligible school at least half-time
• Pursuing a degree program

Think you won’t qualify for a loan on your own?Apply with a co-signer who has a good credit rating. This can help you get the loan you need and could help you get it at a better interest rate. That means you’ll have lower loan payments and owe a lower total amount.When it’s time to repay the loan, make your payments on time for at least 24 months in a row, and you might be able to have the co-signer’s name taken off the loan. Let's do it, together. When financial aid can’t cover all your expenses, an affordable, private student loan can fill the gap! Apply once for all four years and wait to make payments until you’re out of school. Plus, pay zero fees and no penalties if you pay your balance off early! Summit can set you up with a quick preapproval and payment plan that works for you. Talk with us about a private student loan and we’ll go over your goals – from living the dorm life to pursuing your graduate degree to refinancing your loans. We can help set a plan that has you minoring in Saveology.We’ve partnered with Student Choice to provide you with student loans that can help make it happen. Planning to pursue a master’s degree? Our private Graduate School Loan makes it easy. Apply once and don’t worry about making payments until you’re out of school. If you pay off your loan early, you won’t face any fees or penalties! We’ll set you up with a preapproval and payment plan that works for you, so you can focus on grad school. Want to lower your monthly payment? Refinance your student loans – or consolidate multiple loans – with Summit and you could save a little money on every payment. And a lot of money on your entire loan! See how much you could save!Compare student loans with our . Learn How to Make It Happen More Tools & Resources Our GO Bundle gives students the tools they need for financial success, from accounts with overdraft protection to rewards on credit card purchases and more!