EDGEucational Loan Program

For students who need additional funding beyond the Stafford and PLUS loan, Austin Bank and LoanSTAR/Nelnet offer the EDGEucational Loan Program. Qualified students can borrow up to the entire cost of school, minus other financial aid received.

See information below to help you with the approval process:

  • Creditworthy students may apply without a co-signer if they meet all three of the 2-2-2 Rule requirements:
  1. You must have a satisfactory credit, residence and employment history of at least two years, and maintain employment with the same employer or in the same field while attending school.
  2. You must have two years' proof of current income (or, if self-employed, have been in business for at least two years).
  3. You must be a U.S. citizen or permanent resident and have resided in the U.S. for the previous two years.
  • If you are an international student or do not otherwise meet these requirements, you will need to apply with a qualified creditworthy U.S. citizen or permanent resident co-signer to be approved.
  • If you apply with a co-signer, your origination fee may be lower, depending on the combined financial strength of you and your co-signer. Select the EDGEucational Loan that is right for you:
Undergraduate Students Graduate Students
Continuing Education Health Care Professionals