Cover up to 100% of your college costs.

Get the money you need for college or grad school. With a Student Loan Daddy Private Loan, you can cover up to 100% of your higher education expenses. Get from $3,000 up to $45,000* a year to pay for those college and grad school expenses that your scholarships and federal financial aid didn’t cover.

Get the money you need when your financial aid isn’t enough.

If your scholarships, grants, and federal student loans don’t cover the total cost of your education, you can still get the money you need for school. Our private student loans are available to undergrads and graduate students for tuition and fees, room and board, and your other education-related expenses: books, supplies, your trips home, even a laptop.

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Check out all the benefits that come with your Student Loan Daddy Private Loan.

• No FAFSA required
• No application or origination fees — apply FREE
• No payments due until after graduation^†
• Competitive interest rates and fees 
• Your interest only capitalizes once, not quarterly like with other lenders
• Your check comes straight to YOU, not your school^‡

Take advantage of our borrower rewards.

Graduating from college is a huge accomplishment. We want to reward our graduating borrowers for making it through. We also make it a point to reward responsible borrowers and responsible repayment.

• Apply with a creditworthy co-signer, and you may qualify for a lower rate
• Get an immediate 0.25% rate discount just for signing up for automatic monthly payments
• Make your first 48 consecutive payments on time, and you can request to release your co-signer (you’ll need to meet the loan credit requirements at the time of request)

Apply today — it’s fast, easy, and FREE.

Our private student loans have NO application deadlines or fees. Apply for your Student Loan Daddy Private Loan any time — at the beginning of the school year, mid-semester, or right before finals. Get the money you need for school when you need it. 

Important Information:
Since federal student loans generally offer more attractive terms than private student loans, you should always use your federal financing options first. You should only consider taking out a private student loan if you find that, even after your federal loans and grants, your school costs still exceed your available scholarships and financial aid. In that case, a private student loan could provide the remaining money you need.

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In order to provide you with a student loan, it will be necessary for us to share the information you’re providing here with certain third parties, such as a lender or servicer. Any personal information you provide to us may be shared with a third party as outlined in our privacy policy for the purposes of providing you either with a student loan or with other products or services.

Student Loan Daddy is a marketer of student loans and is not the lender for the Student Loan Daddy Private Loan. All loans are subject to credit approval. Student Loan Daddy Private Loans may not be available in all states. Borrower benefits, terms, and conditions are subject to change without notice.

* Based on the annual cost of attendance at your school. The lifetime aggregate maximum loan limit is $75,000 for undergraduates and $150,000 for graduate students. The minimum loan amount may be higher in certain states.

† No payments required until six months after graduation or after ceasing to be enrolled at least half time. Immediate repayment and interest-only repayment options are also available. Repayment begins no later than eight years after the loan is disbursed (five years’ deferment for undergraduates, three years’ deferment for graduate students).

‡ The loan proceeds will be disbursed in the form of a check co-payable to you and your co-signer (if applicable).

Save money on health insurance, both in and out of school.

Student Loan Daddy health insurance plans provide affordable, flexible coverage for college students, grad students, and for recent grads, as well as for adults and professionals who need short-term medical coverage to tide them over between jobs.

Get a FREE online quote in minutes. It’s easy and fast to apply, and you could have health insurance coverage as early as tomorrow.

Low-Cost Student Health Insurance

The Student Loan Daddy student health plan offers affordable medical coverage for both undergraduate and graduate students.

• FAST next-day coverage
• NO network restrictions — even if you’re out of state
• Take your coverage with you when you graduate or transfer
• 10-day free-look period to make sure the plan is right for you
• Get up to $1 million in coverage

School health plans can be costly and limited in coverage with high deductibles..

Parents, if you’re keeping your college-aged kids on your own health plan, you may be paying higher premiums than necessary. And if your kids are going to school out of state, you can end up paying higher out-of-network costs and deductibles.

Our student health insurance  program allows students to go to any doctor, any hospital, without any costly out-of-state or out-of-network expenses. And unlike some school plans, students can be covered all year, not just during the semester.

Affordable Short-Term Individual Health Insurance

Short-term medical insurance plans provide individual health insurance coverage for recent college grads who are still job hunting, and for people who are between jobs, temping, or waiting for employer-sponsored coverage to kick in.

• FAST next-day coverage
• Save as much as 50% over COBRA*
• Choose from 30-day to 12-month plans^†
• Get up to $2 million in coverage

If you’ve recently been laid off, maintaining your health insurance with COBRA can be expensive, often costing hundreds of dollars each month. Student Loan Daddy short-term health insurance offers an affordable alternative that could save you as much as 50% over COBRA premiums.*

And Student Loan Daddy short-term individual student health allows you to customize the individual health insurance plan that’s right for you:

1. Choose a coverage term anywhere between 30 days and 12 months
2. Pick your own deductible from as low as $250
3. Visit any doctors or hospitals with NO network restrictions

From helping you build your credit to giving you a fallback for financial emergencies, college student credit cards can be a valuable resource when you’re away at school and on your own.

Whether your car suddenly breaks down on your way to class and needs emergency repairs or you’re looking for grocery money to tide you over until you get your student loan check, a student credit card could be the back-up you need to keep you from ending up financially stranded.

Of course, you want to be smart about how you use those college credit cards. The last thing you want to do, especially when you have tuition and college bills to worry about, is rack up tons of credit card debt that you can’t pay off. But as long as you manage your credit card use wisely and responsibly, college credit cards and prepaid credit cards can be a good way for you to start building a solid credit history.

Student Credit Cards

Start building your credit with a credit card designed specifically for your college student lifestyle. Your class and study schedule may be hectic, but online and mobile account access let you manage your account anytime, from pretty much anywhere. No annual fees and competitive interest rates mean you won’t have to break your budget. And cash-back incentives can let you earn cash rewards on the things you need to buy anyway — things like gas, groceries, and plane tickets home.

Prepaid Student Credit Cards

If you’re looking to build your credit but worried about running up more debt than you can handle, prepaid credit cards may offer the solution you’re looking for. With a prepaid student credit card, you’re going to have to load money on the card before you can use it — which means you’re limited to spending only money you already have. Credit-building features on some prepaid credit cards will have your card issuer reporting your prepayments to the credit bureaus, helping you establish a credit history.

Credit Cards for College Students

College credit cards come in all different types, each offering its own advantages and benefits:

• College credit cards: These credit cards have been specially tailored for college students. Some student credit cards will reward you with a rate reduction or other incentive when you demonstrate responsible use of your card by making all your payments on time for a certain number of months. Other student cards feature cash back or reward points that you can earn whenever you use your card to eat out, rent a movie, or buy things like books, music, and movie tickets. Some college credit cards will even reward you for maintaining a good GPA.
  
  Just keep in mind that beginning in February 2010 — under the new credit card legislation — you won’t be issued a credit card if you’re under 21 unless you have an adult co-signer or you can show proof of reasonable income.
• Reward credit cards: These credit cards will typically “reward” you for your purchases with points, rebates, or cash back. Accumulated points can usually be cashed in for things like free MP3s, gift certificates, movie tickets, airline tickets, and fill-ups for your car.
• Cash-back credit cards: Cash-back credit cards are a specific type of reward card that allow you to earn cash back on purchases. Some student credit cards will offer more cash back for purchases in certain categories (gas, groceries, travel) than in others.
  
  Your accumulated cash-back rewards will typically be issued to you as a credit on your card. Depending on the card, you may receive your cash-back reward monthly, quarterly, or yearly.
• Prepaid credit cards: If you’re worried about getting into trouble with too much credit card debt, prepaid student credit cards offer you an easy way to control your spending. Prepaid credit cards are reloadable credit cards that require you to pre-deposit money before you can use them. By prepaying your card, you won’t be able to spend more money than you have.
  
  There’s usually no credit check required to get a prepaid card, and certain prepaid credit cards also offer credit-reporting features, allowing you to build your credit history, just as with a non-prepaid credit card.
• Credit cards for no credit and not-so-great credit: As a college student shopping for your first credit card, you may not have enough of a credit history built up yet to qualify for credit-based student credit cards. In that case, you may want to start off by building your credit with special non-credit-based credit cards for college students or with a credit card specifically designed for new cardholders.
  
  Prepaid credit cards will sometimes include a credit-builder feature. Another option is secured credit cards, which require you to keep funds in a savings account as a backup: If you ever miss a payment on your secured card, the card issuer can deduct your payment directly from this backup account.

Tips for Picking the Best Student Credit Cards

Several banks and card issuers offer credit cards for college students, and some of these college credit cards are better deals than others. Before you pick the first credit card offer that comes along, make sure you do your research and compare information like interest rates, fees, and terms.

Here are some things to look for and questions to ask to help you narrow down your list to the best student credit cards out there.

What to Look For

• 0% introductory rates hiding high standard rates. A zero-percent introductory interest rate sounds like a great deal … until you find out, after your introductory period, that your interest rate just shot up to 32 percent. Don’t get sucked in to applying for a high-interest credit card because of tempting introductory rates. When you’re carrying a balance, that high standard rate could end up costing you hundreds more in interest than you saved with six months of zero-percent interest.
• Introductory rates — strings attached. Besides checking the standard interest rate on the college credit cards you’re considering, watch out for limitations on the introductory rate itself. Some introductory rates apply only to balance transfers, not purchases. If this card is going to be your first credit card, a balance-transfer introductory rate would be worthless since you don’t have any credit card balances to transfer over.
• Fees, fees, fees. Both fee amounts and types of fees will vary by company. Ask for a list of all the fees a card issuer can charge. The best student credit cards won’t charge you a membership or annual fee; annual or monthly fees tend to be more common with reward cards (although you should be able to find some that don’t charge an annual fee). Most prepaid credit cards and secured credit cards also charge monthly or yearly fees. When you’re researching prepaid credit cards, look for additional fees like reloading fees, ATM fees, usage fees, and non-usage (inactivity) fees.
• The fine print. Make sure you read everything, no matter how tedious — think of it as required reading for one of your least-favorite classes. Pay attention, especially, to what happens to your interest rate if you miss a payment. In many cases, as soon as you miss a payment, a card issuer can not only revoke your introductory rate but kick you to a “penalty” rate that’s higher than the standard interest rate.

What to Ask

Fees

• Is there an annual or monthly fee? or a one-time activation or “sign-up” fee?
• Is there a charge for making payments online or by phone?
• Is there a charge to replace a lost or stolen card?
• What other fees are there, and when are they charged?

Rates

• If there’s an introductory rate, how long does the introductory rate last?
• After the introductory rate period ends, what’s the standard interest rate?
• Is the standard interest rate fixed or variable?
• Does the introductory rate apply to purchases, balance transfers, or both?
• Will a late payment cause you to lose your introductory rate?
• Will a late payment disqualify you from the standard rate and trigger a higher penalty rate?

Grace Periods

• Is there a grace period on purchases before you start getting charged interest? If so, how many days?
• Does the grace period still apply even if you’re carrying a balance from the previous month?

Rewards, Cash Back, and Incentives

• What rewards, if any, does the card offer?
• Do those rewards apply to purchases, balance transfers, or both?
• Do those rewards apply only to certain purchases or purchases above a minimum amount?
• Do the rewards or reward points expire? If so, after how long?
• What other limitations are there in cashing in reward points?
• Does the card reward good behavior (on-time payments, staying within your credit limit)?

5 Easy Ways to Avoid a College Credit Card Disaster

As good as college credit cards can be for helping you build your credit, all it takes is a few missteps, and you could end up over your head in debt and with damage to your credit that could last for years. It’s really easy, especially when you’ve just gotten your first credit card, to get credit-card-happy and start charging everything. Before you know it, your debt is out of control and your minimum payments are more than you can handle.

Here are five simple precautions you can take to manage your credit card debt and help keep your credit score intact.

1. Don’t use your student credit cards to buy things you can’t afford. It sounds like common sense, but this is where most people get in trouble. That iPhone or plasma TV you’d never have the cash to pay for suddenly seems like an easy buy when you’ve got plastic. Here’s the easiest way not to end up in credit card trouble: Unless it’s an emergency, if you wouldn’t be able to afford to pay with cash or a check, don’t charge it.
2. Don’t use college credit cards as a substitute for student loans. Federal student loans have low, fixed interest rates, as well as borrower benefits that will allow you to postpone making your payments if you’re ever unemployed or experiencing financial hardship. Credit card companies will keep sending you monthly bills, regardless of how broke or out of work you are. Take advantage of your federal student loans first to cover all your school expenses like books, lab fees, and meals, and don’t put your $800 worth of textbooks on your credit card (unless you intend to pay it off right away as soon as you get your student loan check).
3. Pay off your balance each month. If you follow Rule # 1 and don’t charge anything you don’t have money for, you shouldn’t have any problems with this one, unless you had to run up an unexpected charge because of a financial emergency. In that case, if you can’t pay the full balance, pay as much as you can. Don’t settle into the habit of paying only the minimum due: By paying only the minimum each month, it could take you years to pay off your balance, depending on how much debt you’ve run up.
4. Sign up for e-mail or text alerts. Some of the major card issuers now offer automatic e-mail or text alerts that can notify you about your current balance and payment due dates. If you’re prone to missing your payment dates or going over your spending limit, use these alerts to make sure you’re staying within your credit line and making your payments on time.
5. Put your credit cards on ice. If all else fails, and you still find yourself reaching for that credit card whenever you’re driving by Subway or up watching late-night infomercials, here’s one way to force willpower on yourself (without cutting all your cards up): Stick your credit cards in a large Tupperware container (a big bowl works best), fill the container with water, and then stick it in the freezer. The next time you’re tempted to use your cards, you’re either going to have to wait for them to thaw out (giving you time to rethink what you’re about to spend money on) or go after that block of ice with a hammer. Either way, you’ll have time to collect your thoughts, take a breath, and reconsider whether all that time and ice-breaking effort is worth it.

* Student Loan Daddy is a marketer of student credit cards and is not the issuer of any credit cards or prepaid credit cards. Applications for credit cards may be subject to credit approval.

Looking to finish your degree, start a new career, or increase your earning potential? College and graduate school are easily within your reach with an online education degree program.

And now, Student Loan Daddy has made it even easier for you to research your options and find the online program that offers you just what you’re looking for.

With our interactive college search program, you can search thousands of online education possibilities by school, subject, or degree program. In just a few clicks, the college search will find the online program that best meets your needs and will connect you with the nation’s top online universities — all absolutely free!

Choose from thousands of options:

• More than 140 accredited online schools
• Over 6,500 courses
• Over 1,700 degree programs
• More than 450 certificate and diploma programs

Get started on your online college search today

Take the hassle out of your college search. College search tools are easy to use and deliver results fast.

Not only will our college search match up your preferences with the online education program that suits you best, but we’ll put you in direct contact with education advisors at accredited online colleges and universities that meet your criteria.

• Search for online programs in the subjects that interest you
• Choose the type of online degree you’re looking for
• Research specific online schools and online programs

Find the online degree program that works for you

Juggling a full-time or part-time job? Dealing with family responsibilities? An online education degree program offers you more flexibility in your class schedule than a traditional four-year college or university, while providing all the benefits of a higher education.

Whether you’re an undergraduate student looking for a two-year certificate program, a busy professional looking for a graduate school with flexible class schedules, or a working parent ready to get your degree because you’re tired of being passed up for a promotion, an online degree from an accredited online university can expand your job opportunities while earning you more money.

Typically, the higher the degree you have, the more you’ll earn. The average annual salary for someone with a high school diploma is just $32,500, compared to annual earnings of over $100,000 for someone with a professional degree, according to recent U.S. Census.
Average Annual Earnings by Degree

High School Diploma	$32,500
Associate’s Degree	$42,000
Bachelor’s Degree	$53,000
Master’s Degree	$63,000
Professional Degree	$100,000+

Online education degree programs: Why get your online degree

• You’ll earn more. College graduates earn, on average, $1 million more over their lifetimes than those with just a high school degree.
• You’ll have more options. To be marketable in today’s demanding workplaces, you’ll need an education. Employers are increasingly requiring bachelor’s and professional degrees from job candidates.
• You’ll have added job security. Companies are less likely to lay off employees with specialized training and skill sets.
• You’ll have a better chance at career advancement. Employees with a higher education in their résumé are more likely to be considered for additional responsibilities, promotions, and management positions.

Accredited online college degrees: Why they make sense

• They’re convenient. Take classes wherever you are — all you need is a computer and an Internet connection.
• They’re flexible. Show up for class, complete your assignments, and take your exams at your own pace, on your own schedule.
• They’re practical. Online certificate programs offer two-year degrees in some of the most high-demand and fastest growing fields today — health and medicine, computer science, and education.
• They’re readily available. No having to compete for limited seats in a classroom or lecture hall — you’re free to choose from an array of accredited online courses that fit your goals.

Moving at the speed of life: Online degrees fit who you are

When you’re balancing the demands of being a student with holding a job or having a family, your life can move pretty quickly, which means you don’t have the luxury of sitting in a classroom all day, studying on someone else’s schedule.

That’s the advantage to enrolling in an online education program: You decide the when, where and how of getting your degree, whether you’re squeezing in classes around your work day or you have the ability to go at it full-time.

Attend class anytime, anywhere

Online education degree programs offer you one of the most convenient ways to move forward on your education — no need to hassle with a commute or with finding open classes at the times you need.

By taking online courses through an accredited online school, you can earn your online degree or certificate on your own time, from the comfort of your own home.

• Study and attend classes on your own schedule
• Participate in class discussions without leaving home
• No commutes, no scheduling conflicts
• No missed classes even when you’re out of town

Choose from hundreds of accredited online college degree programs

The Student Loan Daddy eLearners college search tool gives you one of the quickest and easiest ways to find certificate programs and online education degree programs that fit your interests and professional goals.

You can find online degree options at accredited online universities and through the online programs offered by brick-and-mortar schools.

Search by school, program, or degree type, and browse thousands of online courses in hundreds of different fields:

• Business Management
• Public Health
• Nursing
• Computer Science
• Game Design
• Criminal Justice
• Forensics
• Counseling
• Education
• Web Development
• Fashion and Design
• … and more!

Choose carefully: Not all online degree programs are created equal

Before you begin your college search, a word of caution: Beware of diploma mills and online education scams. Be sure you enroll with a reputable institution that’s not a fly-by-night operation, and don’t waste your precious time and money on an online degree that seems too good to be true.

Tips for finding a reputable online education degree program

• Look for online degree programs and certificate programs from well-known accredited schools with names you can trust.
• Avoid online education programs at unaccredited schools, especially those offering diplomas for life experience.
• Limit yourself to online degree programs that require you to submit an application and be accepted before you can enroll.
• If you find an online degree you can get in days or weeks with little class work, keep looking.
• Try to find accredited online courses that offer live online class sessions or discussions.
• Search for online programs that require you to submit assignments to be evaluated or graded.