UPGRADE - BAD DEBT CONSOLIDATION LOAN
Get $200 when you also open a Rewards Checking Plus account and direct deposit at least $1,000*
Personal Loans up to $50,000
View your offers in minutes
Low fixed rates
Affordable monthly payments
No prepayment fees
Rewards Checking Plus
No monthly fee checking account with cash back
Up to 2% cash back on purchases1
Add Performance Savings to earn up to 4.41% APY2
Get the low rate you deserve.
Good credit means a great rate. Got good credit? Get a low-interest, fixed-rate loan, at amounts from $5,000 to $100,000, for practically anything you want.
Ready for your best loan experience ever?
We’ve reinvented lending, with a virtually paperless online process that’s refreshingly simple. We even guarantee that your LightStream loan will be your best loan experience ever!
You’re in control of the loan process with LightStream. You choose your funding date, and you can even have funds deposited into your account as soon as the same day you apply.
We’ll beat any qualified rate. 2
Many lenders claim to have low rates. How many will beat your lowest qualifying rate, from any lender? We will, because we’re truly confident that our rates are always competitive.
SOFI - BAD DEBT CONSOLIDATION LOAN
No fees required
No origination fee required, no late fees, no prepayment penalties.
Same Day Funding up to $100k1
Get amounts between $5k-$100k the same day you sign.
Live customer support 7 days a week
Get answers to all your questions, every step of the way. Call (855) 456-7634.
Fixed rates from 8.99% APR to 29.99% APR reflect the 0.25% autopay interest rate discount and a 0.25% direct deposit interest rate discount. SoFi rate ranges are current as of 02/06/2024 and are subject to change without notice. The average of SoFi Personal Loans funded in 2022 was around $30K. Not all applicants qualify for the lowest rate. Lowest rates reserved for the most creditworthy borrowers. Your actual rate will be within the range of rates listed and will depend on the term you select, evaluation of your creditworthiness, income, and a variety of other factors.
Loan amounts range from $5,000– $100,000. The APR is the cost of credit as a yearly rate and reflects both your interest rate and an origination fee of 0%-7%, which will be deducted from any loan proceeds you receive.
Autopay: 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. Autopay is not required to receive a loan from SoFi.
Direct Deposit Discount: To be eligible to potentially receive an additional (0.25%) interest rate reduction for setting up direct deposit with a SoFi Checking and Savings account offered by SoFi Bank, N.A. or eligible cash management account offered by SoFi Securities, LLC (“Direct Deposit Account”), you must have an open Direct Deposit Account within 30 days of the funding of your Loan. Once eligible, you will receive this discount during periods in which you have enabled payroll direct deposits of at least $1,000/month to a Direct Deposit Account in accordance with SoFi’s reasonable procedures and requirements to be determined at SoFi’s sole discretion. This discount will be lost during periods in which SoFi determines you have turned off direct deposits to your Direct Deposit Account. You are not required to enroll in direct deposits to receive a Loan.
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 other eligible status, be residing in the U.S., and meet SoFi’s underwriting requirements. Not all borrowers receive the lowest rate. Lowest rates reserved for the most creditworthy borrowers. If approved, your actual rate will be within the range of rates at the time of application and will depend on a variety of factors, including term of loan, evaluation of your creditworthiness, income, and other factors. If SoFi is unable to offer you a loan but matches you for a loan with a participating bank, then your rate may be outside the range of rates listed above. Rates and Terms are subject to change at any time without notice. SoFi Personal Loans can be used for any lawful personal, family, or household purposes and may not be used for post-secondary education expenses. Minimum loan amount is $5,000. The average of SoFi Personal Loans funded in 2022 was around $30K. Information current as of 8/2/22. SoFi Personal Loans originated by SoFi Bank, N.A. Member FDIC. NMLS #696891 (www.nmlsconsumeraccess.org). See SoFi.com/legal for state-specific license details. See SoFi.com/eligibility, for details and state restrictions.
† To check the rates and terms you qualify for, SoFi conducts a soft credit pull that will not affect your credit score. However, 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 pull and may affect your credit.
1 Same-Day Personal Loan Funding: 82% of typical SoFi personal loan applications, excluding Direct Pay personal loans and personal loan refinance, from January 1, 2022–January 1, 2023 that were signed before 7pm ET on a business day were funded the same day.
BEST EGG - BAD DEBT CONSOLIDATION LOAN
WHY BEST EGG????
A path to “yes” in an industry of “no”
We’re here to help you build the financial future you want—no matter where you’re coming from.
We see you as more than just your credit score
At Best Egg, your rates and recommendations are built around more than just one number—we strive to understand your goals, needs, and more.
No-judgment resources you can actually act on
We provide information and insights you can use to make informed decisions and help take full control of your financial future.
Use your car as collateral to get cash fast *
Predictable monthly payments with a fixed interest rate
More flexible approval standards than our unsecured personal loan offers
Access up to 250% of your vehicle’s value (max. $100,000)
Secured Loan & Homeowner Discount
Access our lowest rates available – average APR savings of 20%††
Fixtures like cabinets and vanities are used as collateral
Check your rate in minutes with no additional paperwork to apply
From debt consolidation to home improvements, Discover® personal loans make it possible
$2,500 - $40,000 loans available
Perfect for debt consolidation, home improvements, and other big expenses.
Fixed rates
With fixed rates from 7.99% to 24.99% APR, you could lower your current payments, save interest on higher-rate debt, and pay off debt faster.
No fees
No origination fees, no closing costs, no fees at all as long as you pay on time.
Flexible repayment terms
Choose from multiple repayment options to fit your budget— 36, 48, 60, 72, or 84 months.
Northwestern faculty and staff traveling internationally on Northwestern/university business will be automatically covered by Northwestern's business traveler insurance plan (“the plan”) provided by GeoBlue. However, completing a one-time registration is necessary to maximize employee benefits and access provider details. Pre-registration will expedite any need for services during travel. No travel dates or destinations are required to register.
"Northwestern/university business" is international travel in support of one's Northwestern duties and responsibilities. Such travel should be funded by Northwestern through operational or grant funds. Examples include conference attendance, data collection, collaborative research, short-term teaching or research assignments, recruitment, and site visits as well as employees who accompany students abroad for research, study or volunteer activities supported by Northwestern
Eligibility
The plan covers “benefits-eligible” employees, including post-docs and fellows and any spouse, partner, or unmarried dependents who may be accompanying such employees traveling on university business or business sojourn (leisure trip directly connected before, after or during a business trip). Refer to the definition of "eligible dependents" in the Business Traveler Certificate of Coverage to ensure coverage.
Exceptions can be made to cover employees who are not “benefits-eligible,” but will travel on university-affiliated trips and charged with student oversight or support. Examples include third party or independent contractors such as adjunct faculty or part-time staff serving as trip leaders on faculty-led group trips, athletic trainers traveling with teams for competition, and community faith leaders leading NU service trips abroad. Each traveler in this category should report their trip to Angela Piersanti in the Office of Risk Management (ORM) before traveling so that potential claims can be approved in an expeditious manner.
McGaw medical residents, NRSA post-doctoral scholars, independent contractors, volunteers, adjuncts or Emeritus employees who travel abroad on temporary assignment for Northwestern are not eligible for the plan
Visiting international scholars do not qualify for the plan, but eligible individuals have limited travel medical and assistance coverage under a separate, special plan
Classes of individuals who do not qualify for the student or employee GeoBlue plan are strongly recommended to individually enroll in a GeoBlue’s commercial product; departmental reimbursement may be available if the travel is required for one’s job performance
Duration
The duration limit on travel is 180 days (roughly 6 months).
For travel exceeding 180 days, a separate GeoBlue plan can be purchased for the additional time, and reimbursement may be honored on a case-by-case basis if the long-term travel is related to university business; email globalsafety@northwestern.edu to enroll.
Northwestern employees hired to permanently work overseas, or whose permanent residence is outside the U.S., are not eligible for GeoBlue; contact the Human Resources Benefits office to discuss alternative coverage options
Registration/Pre-Travel Preparation
Before travel, employees should complete a one-time registration at www.geo-blue.com and entering (or copying and pasting) Northwestern’s Access Code: QHG9999NWBTY with a Northwestern email address
Registration is optional, but recommended, to maximize employee benefits and access provider details – a lack of registration may impede Northwestern and GeoBlue's ability to provide immediate assistance to you during an emergency abroad
Before or during travel, access the GeoBlue website or download the free mobile app to find international doctors, hospitals and pharmacies, make appointments for any health care needs and set up direct pay, if available
Highlights
There is no deductible, and there will be no cost to the traveler or department for the plan, assuming the traveler meets the eligibility criteria
Employees will receive primary medical insurance coverage for any medically necessary care needed while traveling abroad on business, up to a maximum of $250,000 per trip
There is no need to provide travel plans or pay a premium to the insurance company
Employees can access remote medical service through Global TeleMD, a smartphone app, to connect with a network of global doctors available 24/7 for a same-day virtual appointments.
Medical as well as security evacuation coverage is provided if relocation due to an emergency situation is needed; read more about political or natural disaster evacuation procedures
Limitations
While Northwestern does not centrally restrict travel to certain countries for faculty or staff, employees should consult with their supervisor, unit director or dean prior to scheduling travel to higher-risk locations; however, Crisis24, Northwestern's political, security and natural disaster evacuation (PEND) provider requires disclosure of planned travel to countries it considers high risk
Employees accompanying students abroad should register for trip leader training before they travel
There is no age limit for travelers
More information about specific conditions, exclusions and other terms are outlined in the GeoBlue Employee Member Guide
Care and Claims
If you have a pre-existing conditions, be sure to contact GeoBlue in advance of your departure. Most prescription medications are easily transportable abroad. However, certain prescribed medications, such as those to control psychosis, attention-deficit disorder or chronic/severe pain, may not be available or are considered illegal in some foreign countries and could be confiscated by customs agents if discovered. Read more about this at the Traveling with Medications webpage
To arrange routine physical or mental health care during extended visits or direct payment of medical expenses, follow the directions under accessing routine (non-emergency) care abroad
In case of medical emergency abroad, the traveler should go to the nearest clinic or hospital then follow directions under medical emergencies
If traveler's pay up front for care, follow directions for seeking reimbursement for care by email, fax or postal mail
For employee eligibility questions, contact Angela Piersanti in the Office of Risk Management; for all other questions related to the GeoBlue for Employees plan, contact globalsafety@northwestern.edu
Brazos Higher Education is a trusted Texas non-profit organization dedicated to helping students finance their college education and save money once they graduate.
We’re here every step of your college journey — from those exciting but stressful few months before college - all the way to graduation and beyond. As a non-profit, we are able to offer lower rates and a wider variety of student, parent and refinance loans to make paying for college stress-free.
We provide transparent pricing and favorable payment terms to make education affordable to Texas families.
Earnest International Graduate Loan
Student loan
Loans for International Students
Make your grad school dreams a reality in the U.S.
No U.S.-based cosigner? No problem. International grad students are welcome to apply
Funds to achieve your study abroad dreams
Lock in our lowest rate of the year at 9.99% (10.89% APR)* for the fall 2025 semester! Apply by December 31, 2024 for a loan to study in the U.S. or Canada with our fastest application to date
MPOWER Private Student Loan
Lowest interest rates charges by banks on their personal loans:
ICICI Bank: The second largest private lender charges 10.65 percent to 16 percent per annum on its personal loans while, its processing charges are up to 2.50 percent plus applicable taxes.
HDFC Bank: HDFC Bank, the largest private bank, charges 10.5 to 24 percent as interest rate while the processing charges are ₹4,999.
SBI: The State Bank of India (SBI) charges 12.30 to 14.30 percent for corporate applicants while the employees are CLSEs and government departments are given at 11.30 to 13.80 percent per annum. The defence employees are offered personal loans at concessional rates of 11.15 to 12.65 percent per annum.
Bank of Baroda: Private sector employees (with relationship with the bank) are offered personal loans at 13.15 to 16.75 percent per annum whereas government employees are given loans at concessional rate of 12.40 to 16.75 percent per annum.
On the other hand, private sector employees with no relationship with the bank are given loan at 15.15 to 18.75 percent per annum.
Punjab National Bank: PNB charges interest rate that varies between 13.75 to 17.25 percent per annum depending on the borrower’s credit score.At the same time, government employees are offered concessional rate of interest which varies between 12.75 percent to 15.25 percent.
Kotak Mahindra Bank: The private lender charges a minimum of 10.99 percent per annum on its personal loans. The loan processing charges can be, however, as high as up to 3 percent of loan amount plus taxes.
Axis Bank: Axis Bank charges an interest rate that varies anywhere between 10.65 percent to 22 percent per annum on its personal loans.
