Ultimate Guide to Student Loan Forgiveness for Pharmacists

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Being a pharmacist can be a rewarding, lucrative career. According to PayScale, the median salary for a pharmacist is $108,267. While pursuing a career in pharmacy can lead to a six-figure salary, it can also lead to six-figure student loan debt.

According to the 2014 National Pharmacist Workforce Survey, pharmacists with less than five years of experience reported graduating with an average of $108,407 in student loan debt.  Luckily there are options for student loan forgiveness for pharmacists.

Here’s a complete guide to pharmacist loan forgiveness and repayment options:

National Health Service Corps program

The Pharmacy Times notes that in 2012, the National Health Service Corps program extended their funding to support pharmacists. Through the organization’s State Loan Repayment Program (SLRP), they are able to support pharmacists working in designated Health Professional Shortage Areas (HPSA). Specific requirements and funding options vary by state.

Pharmacist loan forgiveness options by state

Alaska

Alaska’s SHARP program offers pharmacists working in underserved communities loan repayment assistance. Through the SHARP-II program, pharmacists can receive up to $35,000 per year. In some cases, if the position is hard to fill, pharmacists may be eligible for up to $47,000 per year.

In order to qualify, pharmacists must work full-time or half-time and commit to serving for at least three years. After that, eligible candidates may qualify for an additional three years of loan repayment assistance.

Arizona

Through the Arizona State Loan Repayment Program, pharmacists can receive loan repayment assistance by serving at an eligible nonprofit or designated HPSA. Funding varies depending on a variety of factors, such as HPSA score, years of service, and more.

Pharmacists can receive up to $50,000 in loan repayment assistance for a two-year contract and can receive additional funding by committing to additional years of service.

California

The California State Loan Repayment Program offers loan repayment assistance to pharmacists who commit to working in a designated HPSA. Pharmacists who work full-time can receive up to $50,000 for a two-year service agreement — $25,000 from the program and a $25,000 match from the provider site.

Full-time pharmacists may be eligible for one-year extensions for a total of four years, which could result in an additional $60,000 maximum in loan repayment assistance. Half-time applicants are also eligible for awards.

It’s important to note that pharmacists working in a retail setting are not eligible for the program. In order to qualify, pharmacists must work in an approved site, such as an outpatient or ambulatory setting.

Colorado

Under the Colorado Health Service Corps program, clinical pharmacists working in a designated shortage area may be eligible for loan repayment assistance. Pharmacists must commit to three years of service and work either part-time or full-time.

Full-time pharmacists are eligible for up to $50,000 while part-time pharmacists are eligible for up to $25,000.

Idaho

The Idaho State Loan Repayment Program offers funding for pharmacists working in designated HPSAs and nonprofits. This is a matching program, so for every dollar provided by the program, the work site must also match the contribution.

Eligible candidates who work full-time may receive between $20,00 to $50,000 for serving a two-year commitment. It is possible to extend the contract for an additional two years as well.

Kentucky

Through the Kentucky State Loan Repayment Program, pharmacists may be eligible for student loan funding. This is another matching program, but with a twist. For every federal dollar spent, an employer, family member, friend, or state foundation can match the contribution.

Qualified candidates that work at a designated HPSA and work full-time may be eligible for up to $80,000 and must serve a two-year commitment.

Minnesota

Under Minnesota’s Rural Pharmacist Loan Forgiveness Program, eligible candidates can receive loan repayment assistance if they work in a designated rural area. Pharmacists may be eligible to receive up to $20,000 per year, for a maximum of four years, totaling $80,000.

Interested candidates must work at least 30 hours per week, for 45 weeks or more per year and commit to three years of service.

Nebraska

Through the Nebraska NHSC State Loan Repayment Program, pharmacists that work in designated HPSAs can receive loan repayment assistance. Qualified candidates can receive between $25,000 to $50,000 per year. In order to qualify, candidates must commit to at least two years of service.

Another program that is available in Nebraska is the Nebraska Loan Repayment Program for Rural Health Professionals, which offers pharmacists loan repayment assistance if they serve in rural communities in a designated shortage area. This is another matching program and a local entity must match the dollars you receive.

Eligible candidates can receive up to $30,000 per year and must commit to three years of service. There are opportunities for full-time workers and half-time workers, though benefits are reduced if working half-time.

New Mexico

The New Mexico Health Professional Loan Repayment Program offers health professionals loan repayment assistance if they serve in a designated shortage area.

The maximum award eligible candidates can receive is $25,000 each year, however, the award amount depends on a number of factors, including your student loan debt balance and the program’s available funding. In order to qualify, candidates must work full-time for two years at an eligible site.

Pharmacists may be eligible for the program, but funding priority is given to other healthcare professionals.

North Dakota

The North Dakota Loan Repayment Program, in conjunction with the Department of Health, offers loan repayment assistance to registered pharmacists who work in designated shortage areas.

Eligible candidates can receive up to $50,000 a year. This is a matching program where work sites must match the dollars provided. In order to qualify, candidates must commit to two years of service.

Oregon

The Oregon Partnership State Loan Repayment Program offers pharmacists who work in designated shortage areas loan repayment assistance.

Eligible candidates can receive repayment assistance amounting to 10 to 20 percent of your qualified debt. The award amount depends on the HPSA score of the site. The program requires a two-year commitment, with the possibility of two additional one-year extensions.

Rhode Island

Through the Rhode Island Health Professional Loan Repayment Program, pharmacists in Rhode Island who work at a qualified site in a designated shortage area could be eligible for loan repayment assistance.

There are award options for full-time and half-time employment. Candidates must commit to two years of service, or four years of service if they are working part-time.  The program doesn’t specify exact award amounts, though funding is available for pharmacists as well as other healthcare professionals.

Virginia

The Virginia State Loan Repayment Program offers pharmacists loan repayment assistance in exchange for serving in a designated HPSA at a qualified site in Virginia. The program requires a dollar match from the community work site. In order to qualify, eligible candidates must commit to two years of service. Candidates are eligible for a maximum award of $140,000 for a four-year commitment.

Washington

Under Washington’s Health Professional Loan Repayment Program, pharmacists who work at an eligible site may be eligible for loan repayment assistance. Pharmacists can receive up to $75,000 in exchange for three years of service. This program does require pharmacists to work at a designated HPSA.

Through the Federal-State Loan Repayment Program, pharmacists can receive up to $70,000 in exchange for two years of service.

Additional pharmacist loan forgiveness options

While there are pharmacist loan forgiveness options by state that offer loan repayment assistance, there are also federal options for student loan forgiveness for pharmacists as well.

Public Service Loan Forgiveness program

Through the Public Service Loan Forgiveness program, eligible candidates that work in the public sector, either at a government organization or nonprofit are eligible for student loan forgiveness.

In order to qualify, you must work full-time (which is classified as 30 hours per week) and make 120 qualifying payments.

The payments do not have to be consecutive in order to qualify, however, if you do make consecutive payments, you can get your loans forgiven in ten years. If you’re looking for student loan forgiveness for pharmacists, this is a great option because your loans could be completely forgiven in ten years and you will not have to pay tax on your forgiven balance.

Pharmacy Times notes the following jobs may be eligible for the program:

  • Working for a government agency such as the US Food and Drug Administration or a state board of pharmacy;
  • Serving as a pharmacist in one of the branches of the US military or with the Veterans Administration;
  • Working for the US Drug Enforcement Administration or a state-level law enforcement agency related to controlled substances; and
  • Practicing with the US Public Health Service or a state or local public health department.

NIH Loan Repayment programs

If you’re interested in pursuing a career in medical research and have a pharmacy degree, The National Institute of Health (NIH) offers several programs that help. There are eight programs, five of which are for researchers not employed by NIH, with three available to researchers employed by NIH. The program offers $35,000 per year in exchange for research related to the NIH’s mission. In order to qualify, your student loan debt must be 20 percent of your base salary when you receive the award.

Indian Health Service Repayment program

Through the Indian Health Service Loan Repayment program, health care professionals who practice in facilities serving American Indian and Alaska Native communities may be eligible for loan repayment assistance. The program offers up to $40,000 in exchange for two years of service.

U.S. Army Pharmacist Health Professions Loan Repayment program

If you’re interested in working for the US Army, you could get significant loan repayment assistance. Qualified candidates can receive up to $120,000 in assistance to pay back your pharmacy school loans.

Another option aside from the repayment program is the Pharmacist Accession Bonus. Qualified pharmacists may be eligible for a sign-on bonus of $30,000. The best part? It’s paid in a lump sum at the first duty station.

Final word

There are a variety of programs that offer student loan forgiveness for pharmacists at the state and federal level. Many of these options require you to work in certain areas or at qualified sites, so it’s important to weigh your choices before pursuing loan repayment assistance or pharmacist loan forgiveness.

In the end, it could be a rewarding experience and also help you get a good chunk — if not all — of your loans paid back.

Interested in refinancing student loans?

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1 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 6.97% APR (with Auto Pay). Variable rate loan rates range from 2.47% APR (with Auto Pay) to 6.30% APR (with Auto Pay). For variable rate loans, although the interest rate will vary after you are approved, the interest rate will never exceed 8.95% for loan terms 10 years or less. For loan terms of 10 years to 15 years, the interest rate will never exceed 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 one month LIBOR. The rate will not increase more than once per month. Earnest rate ranges are current as of Month/Day/Year, and are subject to change based on market conditions and borrower eligibility.

Auto Pay discount: If you make 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 08/21/18. Earnest reserves the right to change, pause, 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 401N, San Francisco, CA 94107. Terms and Conditions apply. Visit https://www.earnest.com/terms-of-service, email us at hello@earnest.com, or call 888-601-2801 for more information on ourstudent loan refinance product.

© 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.


2 Important Disclosures for Laurel Road.

Laurel Road Disclosures

APR stands for “Annual Percentage Rate.” Rates listed include a 0.25% EFT discount, for automatic payments made from a checking or savings account. Interest rates as of 11/8/2018. Rates subject to change.

Variable rate options consist of a range from 3.27% per year to 6.09% per year for a 5-year term, 4.64% per year to 6.14% per year for a 7-year term, 4.69% per year to 6.19% per year for a 10-year term, 4.94% per year to 6.44% per year for a 15-year term, or 5.19% per year to 6.69% per year for a 20-year term, with no origination fees. APR is subject to increase after consummation. The variable interest rate will change on the first day of every 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 decrease 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 25th day of each month immediately preceding each “Change Date,” as defined above, rounded to two decimal places, with no origination fees. If the 25th 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 25th day of the month that is a business day. The monthly payment for a sample $10,000 loan at a range of 3.27% per year to 6.09% per year for a 5-year term would be from $180.89 to $193.75. The monthly payment for a sample $10,000 loan at a range of 4.64% per year to 6.14% per year for a 7-year term would be from $139.65 to $146.76. The monthly payment for a sample $10,000 loan at a range of 4.69% per year to 6.19% per year for a 10-year term would be from $104.56 to $111.98. The monthly payment for a sample $10,000 loan at a range of 4.94% per year to 6.44% per year for a 15-year term would be from $78.77 to $86.78. The monthly payment for a sample $10,000 loan at a range of 5.19% per year to 6.69% per year for a 20-year term would be from $67.05 to $75.68.

However, if the borrower chooses to make monthly payments automatically by electronic funds 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 making (or we stop accepting) monthly payments automatically by EFT from the designated borrower’s bank account.


3 Important Disclosures for SoFi.

SoFi Disclosures

  1. Student loan Refinance: Fixed rates from 3.899% APR to 7.979% APR (with AutoPay). Variable rates from 2.470% APR to 6.990% APR (with AutoPay). Interest rates on variable rate loans are capped at either 8.95% or 9.95% depending on term of loan. See APR examples and terms. Lowest variable rate of 2.470% APR assumes current 1 month LIBOR rate of 2.30% plus 0.91% 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 will be re-amortized and may change monthly. APRs for variable rate loans may increase after origination if the LIBOR index increases. 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 deduction from a savings or checking account. *To check the rates and terms you qualify for, SoFi conducts a soft credit inquiry. Unlike hard credit inquiries, soft credit inquiries (or soft credit pulls) do not impact your credit score. Soft credit inquiries allow 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 agencies, which is considered a hard credit inquiry. 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.
  2. 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 meet SoFi’s underwriting requirements. Not all borrowers receive the lowest rate. To qualify for the lowest rate, you must have a responsible financial history and meet 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 financial history, years of experience, income and other factors. Rates and Terms are subject to change at anytime without notice and are subject to state restrictions. SoFi refinance loans are private loans and do not have the same repayment options 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)

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 classes, including, but not limited to, loans for LSAT, MCAT, GMAT, and GRE preparation, are not eligible for 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 state 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, terms, 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

  1. Offered terms are subject to change. Loans are offered by CommonBond Lending, LLC (NMLS # 1175900). The following table displays the estimated monthly payment, total interest, and Annual Percentage Rates (APR) for a $10,000 loan. The Annual Percentage Rate (APR) shown for each in-school loan product reflects the accruing interest, the effect of one-time capitalization of interest at the end of a deferment period, a 2% origination fee, and the applicable Repayment Plan. All loans are eligible for a 0.25% reduction in interest rate by agreeing to automatic payment withdrawals once in repayment, which is reflected in the interest rates and APRs displayed. Variable rates may increase after consummation. All variable rates are based on a 1-month LIBOR assumption of 2.08% effective July 25, 2018.

6 Important Disclosures for Citizens Bank.

Citizens Bank Disclosures

  1. Education Refinance Loan Rate Disclosure: Variable rate, based on 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 November 1, 2018, the one-month LIBOR rate is 2.29%. Variable interest rates range from 2.79%-8.39% (2.79%-8.39% APR) and will fluctuate over the term of the borrower’s loan with changes in the LIBOR rate, and will vary based on applicable terms, level of degree earned and presence of a cosigner. Fixed interest rates range from 3.75%-8.69% (3.75%-8.69% APR) based on applicable terms, level of degree earned and presence of a cosigner. Lowest rates shown require application with a cosigner, 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 disclosures. 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 information 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.
  2. 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 repayment options 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.
  3. 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 payments of principal and interest on the loans being refinanced. Primary borrowers must be a U.S. citizen, permanent resident or resident alien with a valid U.S. Social Security Number residing in the United States. Resident aliens must apply with a cosigner who is a U.S. citizen or permanent resident. The cosigner (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 attained the age of majority in their state of residence, a cosigner 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 information, certification of borrower’s student loan amount(s) and highest degree earned.
  4. 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 authorizing 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, credit card account, or other student loans owned by Citizens Bank, N.A. Please note, our checking 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. Limit 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.
  5. 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 time 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 payments are not due, such as during forbearance. If our loan servicer is unable to successfully withdraw the automatic deductions from the designated account three or more times within any 12-month period, the borrower will no longer be eligible for this discount.
  6. Co-signer Release: Borrowers may apply for co-signer release after making 36 consecutive on-time payments of principal and interest. For the purpose of the application for co-signer release, on-time payments are defined 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 part of the review. Borrowers who use deferment or forbearance will need to make 36 consecutive on-time payments after reentering repayment to qualify for release. The borrower applying for co-signer release must be a U.S. citizen or permanent resident. If an application for co-signer release is denied, the borrower may not reapply for co-signer release until at least one year from the date the application for co-signer release was received. Terms and conditions apply.

2.47% – 6.99%3Undergrad
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2.51% – 8.09%4Undergrad
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3.02% – 6.44%2Undergrad
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2.48% – 6.25%5Undergrad
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2.79% – 8.39%6Undergrad
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