Better Options Less Debt

We'll help you make the most of scholarships and grants, and get the right amount of money for school.

Don’t worry – checking your rate won’t impact your credit score


Undergraduate Loans »

Interest rates range from 7.125%* - 10.625%*

Graduate Loans »

Interest rates range from 7.125%* - 10.625%*

Teacher Loans »

Interest rates vary and will not exceed 8.25%


Parent Loans »

Interest rates range from 6.625%* - 10.375%*

Loan Refinancing »

Interest rates range from 6.250%* - 8.750%*

Nursing Faculty Loan »

Interest accrues at a fixed interest rate of 7.00%

*In-school student and parent APR rates range from 6.637% - 9.996%. ReFi APR rates range from 6.260% - 9.005%. Low interest rates shown include a .25% reduction for bank draft. Rates based on credit and terms.


Better rates are just the beginning.

Our rates match or beat federal loans and other private loan companies, but our mission is to help promote education in South Carolina. That’s why we guide you toward the best possible mix of loans and scholarships, so you can have less overall debt to pay off your loan sooner.

Personalize a Plan

Our advisers will help you find free scholarships first, so you don’t borrow more than you need!

Talk to a Human

Talk, chat, or email with a real expert in South Carolina. We’ll always pick up the phone to answer any questions.

Refinance Like a Pro

Refinance your existing loan at a much lower rate and save thousands in interest payments.


Loans for Your Dream Career

BOLD™ Career Pathways »

College loans that are paid for by your future employer, so you can graduate with less debt and a job lined up.

  • Candidates will attend an SC college.
  • Loans are at the discretion of employers, based on what positions they are most in need of.
  • Candidates will agree to work at the partner company after completion of the program, and will have their loan payments made by the employer.

Teacher Loans and Forgiveness »

Low interest loans for SC residents who are:

  • Undergraduate or graduate students pursuing a degree in education.
  • Career changers who want to become a teacher. 
  • Individuals interested in an alternative pathway to educator certification (PACE loans).

A BOLD™ Way to Borrow Less

Want Better Outcomes, Less Debt™? With BOLD™ Career Pathways, your future employer helps you cover the gap between scholarships + grants and your semester bill.

Explore BOLD™ Career Pathways


1K College Giveaway

Win $1000 for college. Entering takes less than a minute, and you can come back each month for another shot.

Enter to Win