Financing an education can be a challenging feat, especially when borrowers have exhausted their personal savings and their state and federal financial aid options and still have educational expenses left to cover. NextStudent, a leading Phoenix-based education company, can help. Whether you’re a higher education student or the parent of a K–12 student, you may be eligible for a NextStudent Private Loan, a credit-based loan that could help make financing an education a reality.

Are you a parent who dreams of sending your child to a college preparatory known for strong academics like Xavier or Brophy in Phoenix, Arizona? Or are you an undergraduate or graduate student who needs a little extra money to cover your education-related expenses? Or maybe you already have your degree but can’t afford the continuing education courses you need to maintain a certification. If any of these scenarios describes your needs, NextStudent Private Student Loans are designed to help borrowers like you achieve your academic goals.

Reap the Benefits

NextStudent offers credit-based private student loans (http://www.nextstudent.com/private_loans/private_loans.asp) that can help borrowers meet their education expenses while in school and pay for things like tuition and fees, school supplies and other education-related essentials. To be eligible, students must be enrolled at a participating school. Whether applying for one of our K–12, undergraduate, graduate or continuing education private student loans, qualified borrowers can benefit with:

 Quick preliminary approval on most student loans  No application deadlines  No prepayment penalties  Generous borrowing limits  Deferred principal and interest payments on most student loans  Funds sent directly to the borrower, not the school  Interest that may be tax-deductible (please consult your tax advisor)

Qualifying is simple: Borrowers must provide proof of student enrollment at a participating school and proof of sufficient income (a recent pay stub, or for self-employed or retired borrowers, the most recent two years of tax returns with schedules or 1099s). In addition, borrowers must have at least 21 months of credit experience and a satisfactory credit history, and they must demonstrate two years of continuous employment (with the same employer or in the same field) and two years of U.S. citizenship or permanent residency. Don’t meet these requirements? That’s OK, a co-signer can help. NextStudent Private Student Loans (http://www.nextstudent.com/) feature the option of applying with a co-signer, whether you need a qualified co-applicant because you don’t quite meet the qualification requirements, or whether you’d like to have a co-applicant with a little more established credit history.

Apply Throughout the Year

Applying is fast and convenient. Some borrowers may receive a preliminary approval in minutes. In as little as five business days, parents and students could be approved and see their student loans (http://www.nextstudent.com/) disbursed, with funds sent directly to the borrower. Eligible higher education students or eligible parents of K–12 students who need additional financial assistance meeting their educational needs can apply for NextStudent Private Student Loans throughout the year. There are no deadlines or time constraints. That means students can receive the funding they need, no matter when they need it.