Best Private Student Loans That Don’t Require a Cosigner for October 2025

by Alex Hillsberg , MA

Student Finance & Loan Expert

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According to a recent survey, 55% of bachelor's degree holders aged 18-44 believe that the value of their education exceeds its costs, while this sentiment rises to 67% among those aged 45-59 and 75% for those aged 60 and older. Clearly, the perceived value of higher education increases with age, but the challenge of financing it remains significant for many students. One solution to this problem is securing a private student loan without a cosigner. In this article, I will guide you through the best student loans without a cosigner options available in October 2025, drawing on my expertise to help you make informed decisions about funding your education.

Key Things You Should Know About Student Loans Without a Cosigner

• Always prioritize federal student loans before considering private options. Federal loans often come with better interest rates, flexible repayment plans, and forgiveness programs unavailable with private lenders.
• A growing number of graduates, particularly those aged 45 and above, question if their degree justifies the financial investment. This highlights the importance of maximizing the value of your education.
• The approval process for private student loans can vary, but it typically takes a few weeks. This period includes the time needed for credit checks and verifying financial information.
• Most private lenders require a minimum credit score to qualify for a loan without a cosigner. For instance, INvested and MEFA both require a minimum credit score of 670.
• It's noteworthy that 55% of bachelor degree holders aged 18-44 feel that the value of their education exceeds its costs. This sentiment increases to 67% among those aged 45-59 and 75% for those aged 60 and older, highlighting the long-term perceived value of higher education.

Table of Contents

1. 3 Best Private Student Loans That Don’t Require a Cosigner for 2025
2. What should I look for in a private lender when applying for a student loan without a cosigner?
3. What are the credit score requirements to qualify for a private student loan without a cosigner?
4. What documents do I need to apply for a private student loan without a cosigner?
5. How long does it take to get approved for a private student loan without a cosigner?
6. What are the typical interest rates for private student loans without a cosigner in October 2025?
7. Are fixed or variable interest rates better for private student loans without a cosigner?
8. Can I work part-time to offset tuition costs and reduce private loan dependency?
9. How can I find scholarships and grants to help reduce my reliance on private student loans?
10. Can accelerated degree programs lower my overall loan burden?
11. Should I consider federal student loans before taking out a private loan without a cosigner?
12. How might a private student loan without a cosigner influence my credit score and future borrowing capacity?
13. Are accelerated associate degree programs a smart strategy to lower student loan debt?
14. What are the advantages and disadvantages of federal student loans compared to private loans?
15. Can private student loans be used for living expenses?
16. What are some strategies to pay off my private student loan debt quickly after graduation?
17. Are there specialized private student loans available for health professions and other niche fields?
18. What alternative career paths can strengthen my ability to repay my student loan?
19. What are my options for refinancing or consolidating private student loans without a cosigner?
20. How Can Choosing an Affordable Online Education Program Help Lower My Student Loan Burden?
21. How Can My College Major Choice Impact My Loan Repayment Ability?
22. Key Facts
23. Other Things You Should Know About the Best Private Student Loans That Don’t Require a Cosigner

3 Best Private Student Loans That Don’t Require a Cosigner for 2025

1. Ascent

Ascent stands out with its innovative lending options, including an Outcomes-Based Loan that assesses eligibility based on factors like school attended, major, and GPA rather than solely on credit history or a cosigner. They offer a variety of loan terms and repayment plans, including a Progressive Repayment option that starts with lower payments and increases over time. Borrowers using a cosigner can release them after just 12 payments, although this option isn't available for international students.

• Loan Amounts: Loan amounts start at $2,001, covering up to the annual cost of attendance at community college, with maximum lifetime limits set at $200,000 for undergraduates and $400,000 for graduate students.
• Eligibility: Eligibility for this program mandates US citizenship or DACA status, enrollment at least half-time in an accredited institution, and meeting financial and creditworthiness criteria. International students may qualify with a cosigner who meets program requirements. Applicants who do not meet these criteria may still be eligible with a qualified cosigner.
• Minimum Credit Score: Undisclosed
• Minimum Income: Undisclosed
• Loan Terms: 5, 7, 10, 12, 15, or 20 years
• Interest Rates: Fixed or variable
• Consigner Release: 12 months

2. INvestEd

Exclusive to Indiana residents, INvestEd provides affordable student loans with options ranging from $1,001 up to the school-certified cost of attendance minus other financial aid. Eligibility is determined based on income and credit criteria, with cosigner release possible after 12 on-time payments. While there's no soft credit check for prequalification, detailed eligibility information helps applicants make informed decisions about their loans.

• Loan Amounts: The minimum loan amount begins at $1,001 and can extend up to the total certified cost of attendance for your selected community college program, minus any additional financial aid you may receive.
• Eligibility: To qualify, residency in Indiana is required. Borrowers must meet specific credit and income criteria, including a FICO score of at least 670, a debt-to-income ratio below 30% (or a minimum monthly income of $3,333), steady employment for over two years, and a clean credit history free from major collections or defaults. Applicants who do not meet these standards can still apply with a cosigner.
• Minimum Credit Score: 670
• Minimum Income: Undisclosed
• Loan Terms: 5, 10, or 15 years
• Interest Rates: Fixed or variable
• Consigner Release: 12 months

3. MEFA

MEFA offers low-cost fixed-rate loans for undergraduate and graduate students across the US, emphasizing affordability compared to other private lenders. Although applying with a cosigner secures the best rates, releasing them later requires four consecutive years of on-time payments and meeting stringent credit and income requirements. MEFA's fixed-rate structure ensures predictable interest costs throughout the loan term.

• Loan Amounts: The minimum loan amount starts at $1,500 and can extend up to the total certified cost of attendance for your selected community college program, after deducting any additional financial aid you receive.
• Eligibility: Applicants must be either U.S. citizens or permanent residents, enrolled at least half-time in an accredited degree-granting program at a nonprofit institution, and maintain satisfactory academic progress. Additionally, they must have a clean credit history without defaults on educational loans, bankruptcies, or foreclosures within the past 60 months. Individuals who do not meet credit or income requirements may apply with a cosigner.
• Minimum Credit Score: 670
• Minimum Income: Undisclosed
• Loan Terms: 10 or 15 years
• Interest Rates: Fixed
• Consigner Release: 48 months

What should I look for in a private lender when applying for a student loan without a cosigner?

When choosing a private lender for a student loan without a cosigner, it’s critical to evaluate specific factors to ensure you secure the best financial terms for your educational investment. Here are key considerations:

• Interest Rates and Loan Terms: Compare both fixed and variable interest rates among lenders. Additionally, repayment terms and any potential flexibility, such as interest-only payments while in school, should be assessed.
• Eligibility Requirements: Different lenders have distinct criteria, including credit score thresholds, income levels, or academic factors. Select lenders that match your qualifications to increase your chances of approval.
• Repayment Options: Look into the repayment plans available, such as progressive repayment or income-driven repayment options, as these can provide flexibility during your loan journey.
• Loan Limits and Fees: It's essential to confirm whether the loan amount offered will cover your full tuition without exceeding what you need. Be mindful of any hidden fees, such as origination or late payment penalties.
• Customer Support: Ensure the lender has strong customer support services to assist you with any inquiries or issues throughout the borrowing process.
• Reputation and Reliability: Research reviews and rankings of lenders to gauge their credibility. Some of the best-rated school loan companies often feature transparent policies and borrower-friendly terms, making them a trusted choice.

By thoroughly reviewing these factors, you can identify the right lender for your private student loan needs without relying on a cosigner.

What are the credit score requirements to qualify for a private student loan without a cosigner?

To qualify for a private student loan without a cosigner, credit score requirements vary among lenders but generally require a good to excellent credit score. For instance, lenders like Ascent and MEFA may require a minimum FICO score of 670 or higher. INvestEd also sets similar standards, ensuring borrowers demonstrate responsible credit management to secure a loan independently. Meeting these credit score thresholds is crucial for accessing student loans without a cosigner, providing students with greater autonomy in funding their education.

What documents do I need to apply for a private student loan without a cosigner?

When applying for private student loans without a cosigner, you typically need to provide several key documents to verify your eligibility and financial stability. These documents often include:

• Identification. A valid driver's license or government-issued ID is required to confirm your identity.
• Social Security Number. Your Social Security number is used for credit checks and tax purposes.
• Enrollment Verification. Obtain a document from your school's registrar office that confirms your enrollment status and expected graduation date.
• Proof of Income (if applicable). If you are employed, provide pay stubs or tax returns to demonstrate your ability to make loan repayments.
• Financial Aid Award Letter. This document shows how much financial aid you're receiving from other sources, helping the lender determine your remaining loan need.

Having these documents ready ensures a smooth application process and increases your chances of securing a private student loan independently.

How long does it take to get approved for a private student loan without a cosigner?

The approval timeline for a private student loan without a cosigner can vary depending on the lender and your individual circumstances. However, it's generally faster than the federal student loan application process. Here's a breakdown:

• Application and Documentation. Completing the application and gathering required documents typically takes a few hours to a day.
• Lender Processing. Once you submit your application and documents, the lender will verify your information and assess your eligibility. This process usually takes 1-3 business days.
• Credit Check (if applicable). If a credit check is required, it can add 1-2 business days to the processing time.
• Approval Decision. After reviewing your application and creditworthiness (if applicable), the lender will issue an approval decision. This typically happens within 2-5 business days.

You can expect the approval process for student loans without a cosigner to take anywhere from 3 to 7 business days. However, it's wise to check with the specific lender you're considering for their estimated processing timelines.

What are the typical interest rates for private student loans without a cosigner in October 2025?

The typical interest rates for private student loans that don't require a cosigner in October 2025 can vary depending on factors such as the lender, the borrower's creditworthiness, and whether the interest rate is fixed or variable. Generally, fixed interest rates for these loans may range from around 4% to 12% APR. Variable interest rates, which are often tied to an index such as the LIBOR or Prime Rate, may start lower but can fluctuate over time.

It's essential for prospective borrowers to compare rates from multiple lenders to find the most competitive option available based on their financial situation and loan preferences. Of course, one should also learn how to save for college better to mitigate the risk of default.  

In SY 2020/21, the average loan amount for first-time full-time degree/certificate-seeking undergraduate students was $7,492. 

Are fixed or variable interest rates better for private student loans without a cosigner?

Deciding between fixed and variable interest rates for a private student loan without a cosigner depends on your risk tolerance and future financial expectations. Here's a breakdown to help you choose:

Fixed Interest Rates

• Pros: Offer stability and predictability. You'll know exactly what your monthly payment will be throughout the loan term, making budgeting easier.
• Cons: May be slightly higher than variable rates initially. Not ideal if you anticipate interest rates dropping significantly in the future.

Variable Interest Rates

• Pros: Can potentially offer lower initial interest rates than fixed rates.
• Cons: Interest rates can fluctuate over time, leading to unpredictable monthly payments. This can be risky if your income isn't stable or if interest rates rise significantly.

Overall, if you prioritize stability and budgeting predictability, a fixed rate might be a safer choice. If you have a strong credit score and believe interest rates will stay low, a variable rate could potentially save you money. It's important to carefully consider your financial situation and risk tolerance before making a decision.

A 2023 survey, however, shows that the majority of degree holders find the value of education exceeds its cost. What the data shows is that this perception is more pronounced as the age increases, with 75% of participants aged 60 and up believe that their bachelor's degree is more valuable than the cost. See the chart below for more information. 

Can I work part-time to offset tuition costs and reduce private loan dependency?

Balancing part-time work with academic responsibilities can significantly reduce your reliance on private student loans. Many students find jobs on or near campus to help cover costs while maintaining a manageable schedule. Positions such as library assistants, research aides, or roles in retail and food service can provide a steady income without compromising your focus on academics.

Additionally, if you're considering part-time enrollment to work more hours, exploring loan options tailored to part-time students is essential. Knowing how to apply for part time student loans can provide financial flexibility and ensure you're still able to progress toward your degree.

When choosing a part-time role, prioritize jobs that offer skill development or align with your career goals. For example, internships or positions related to your field of study can provide valuable experience alongside income, boosting your resume for post-graduation opportunities. Finally, remember to check your school's financial aid office for federal work-study programs, which often offer flexible, on-campus jobs specifically designed for students.

How can I find scholarships and grants to help reduce my reliance on private student loans?

Private student loans can be a valuable tool to bridge the gap in your educational funding, but minimizing your reliance on them can save you money in the long run. Here are some strategies to find scholarships and grants:

• Federal Resources. Utilize the Scholarship Search tool on the CareerOneStop website. The Federal Student Aid website also offers free resources that connect you to federal and state grant programs you may be eligible for.
• College and University Aid. Explore your chosen school's financial aid website and scholarship office. Many institutions offer scholarships specifically for their students based on academic merit, extracurricular involvement, or financial need.
• Scholarship Databases. Numerous online scholarship databases aggregate opportunities from various sources. Look for reputable websites with a proven track record of connecting students with such opportunities, even scholarships for online college.
• Employer Benefits. Check with your employer or your parents' employer to see if they offer scholarship or tuition reimbursement programs for employees or their dependents.
• Professional and Community Organizations. Organizations related to your field of study or your community might offer scholarships to deserving students. Research relevant associations and inquire about scholarship opportunities.
• Essay Contests. Many scholarship opportunities involve writing essays on specific topics. Hone your writing skills and consider participating in essay contests sponsored by foundations or organizations.

Remember that the scholarship and grant application process can be competitive. Begin your search early in your high school career or before starting college. Also, missing application deadlines disqualifies you from consideration. Set reminders and track important deadlines for each scholarship you apply for. Moreover, don't limit yourself to a few options. The more scholarships you apply for, the greater your chances of receiving financial aid. Read application instructions carefully and provide all required documentation. Proofread your essays and applications to ensure a strong presentation.

Can accelerated degree programs lower my overall loan burden?

Accelerated degree programs, such as one year graduate programs, can shorten the duration of education and potentially reduce overall student loan dependency. Completing a program in a condensed timeframe may lead to an earlier entry into the workforce, allowing graduates to start managing debt sooner while capitalizing on income-generating opportunities. It is essential to evaluate each program’s curriculum intensity and career placement record to ensure that the accelerated pace aligns with long-term financial and professional objectives.

Should I consider federal student loans before taking out a private loan without a cosigner?

Considering federal student loans before pursuing a private loan without a cosigner is often advisable. Federal student loans typically offer lower interest rates and more flexible repayment options compared to private loans. They also do not require a credit check or a cosigner, making them more accessible for students who may not have established credit or financial support.

Moreover, federal loans provide additional benefits such as income-driven repayment plans--something that working adults in junior management positions with good salaries taking accelerated MBA programs online can take advantage of. Federal programs also have loan forgiveness options for qualifying professions and offer potential deferment or forbearance during financial hardship. These features can provide significant financial relief and security compared to private loans. 

However, federal loans have annual and lifetime borrowing limits, which may not cover the full cost of attendance at some institutions. In such cases, exploring private loans without a cosigner becomes necessary to bridge the financial gap after maximizing federal aid options.

In 2021, the average federal student loan debt was $37,338. 

How might a private student loan without a cosigner influence my credit score and future borrowing capacity?

Private student loans without a cosigner are reported directly on your credit profile, making on-time payments essential for maintaining and improving your credit score. In contrast to federal loans, these private options do not include standardized safeguards, so any lapses in payment can lead to longer-term detriments, affecting your ability to secure favorable interest rates and additional financing in the future. Understanding the credit implications also helps in planning financially strategic decisions, such as investing in careers that pay 100k a year, and underscores the importance of proactive credit management as part of your broader financial planning.

Are accelerated associate degree programs a smart strategy to lower student loan debt?

Accelerated associate degree programs can offer a cost- and time-efficient alternative to traditional four-year pathways. By shortening the duration of study and reducing tuition expenses, these programs enable students to enter the workforce sooner, which facilitates early debt repayment and minimizes interest accumulation over time. Additionally, focused curricula and industry-relevant skills acquired during an accelerated program increase employability and earning potential immediately after graduation. For detailed insights on program options, consider exploring our guide on a fast track associates degree.

What are the advantages and disadvantages of federal student loans compared to private loans?

Federal student loans and private student loans each offer unique benefits and drawbacks that students should consider when financing their education:

Advantages of Federal Student Loans

• Favorable Terms. Federal student loans generally offer more borrower-friendly terms compared to private loans without a cosigner. This includes:
  • Lower Interest Rates: Federal student loan interest rates are typically lower than those offered by private lenders, especially for borrowers without a cosigner.
  • Flexible Repayment Options: Federal loans come with various repayment plans that can adjust to your income level after graduation.
  • Loan Forgiveness Programs: Certain federal loan programs offer forgiveness options under specific circumstances, such as public service work.
• No Cosigner Needed (in most cases). Unlike most private lenders, federal student loan eligibility doesn't hinge on a cosigner's creditworthiness. This makes them more accessible for students with limited credit history.

Disadvantages of Federal Student Loans

• May not cover total cost. Annual and lifetime borrowing limits may not cover the total cost of attendance at some institutions, necessitating additional funding sources.
• Origination fees apply. Federal student loans may have origination fees, reducing the total amount disbursed to the student.
• Limited interest rate flexibility. Federal loans typically offer fixed interest rates only, limiting options compared to private loans.

Smart Borrowing Strategy: Minimize Private Loans

Federal student loans are generally the most borrower-friendly option, so here's a quick strategy to minimize your reliance on private loans without a cosigner:

1. Apply for federal aid first. Fill out the Free Application for Federal Student Aid (FAFSA) form as early as possible (typically October for the following academic year). This ensures you're considered for all federal grants and subsidized/unsubsidized loans, minimizing your need for private loans.
2. Explore scholarships and grants. Actively seek scholarships and grants to further reduce your reliance on loans. There are many around even including those for what you would consider the easiest online degree. Utilize the resources mentioned previously to maximize your chances of securing financial aid.
3. Private loans as a last resort. If federal aid and scholarships/grants don't cover your full educational cost, consider private loans only after exhausting all other options. Remember, private loans without a cosigner often come with higher interest rates and fewer borrower protections. As such, even affordable online doctoral programs can look not so affordable anymore in the long run.

Can private student loans be used for living expenses?

Some private student loans offer provisions that allow borrowers to access additional funds intended for expenses beyond tuition, including housing, transportation, and day-to-day living costs. Lenders may have varying eligibility criteria and disbursement rules for these ancillary funds, making it essential to review each loan agreement in detail. Verifying whether your chosen lender supports student loans for living expenses can provide key insights into its overall flexibility and suitability to your financial strategy.

What are some strategies to pay off my private student loan debt quickly after graduation?

Here are some effective strategies to pay off private student loan debt quickly after graduation:

• Start making payments early. Begin making payments on your student loans as soon as you can, even while still in school if possible. This can help reduce the principal amount and save on interest over time.
• Create a budget and stick to it. Develop a realistic budget that prioritizes loan payments. Track your expenses closely to identify areas where you can cut back and allocate more funds toward paying off your debt.
• Consider making extra payments. Whenever possible, make additional payments beyond the minimum required amount. This helps reduce the principal faster and lowers the total interest paid over the life of the loan.
• Explore refinancing options. If you have a good credit score and stable income post-graduation, refinancing your private student loans could lower your interest rate and shorten the repayment term, saving you money in the long run.
• Take advantage of employer benefits. Some employers offer student loan repayment assistance as part of their benefits package. Explore whether your employer provides such benefits and take advantage of any opportunities to accelerate your loan repayment. You can even use this for online certification programs that pay well in your field. Of course, you can also use this for a career shift like going into tech by earning an accelerated software engineering degree online.
• Look for opportunities to increase income. Consider taking on part-time work, freelance gigs, or other side hustles to boost your income. Applying additional earnings directly to your student loans can expedite repayment.

By implementing these strategies diligently, you can effectively reduce your private student loan debt and achieve financial freedom sooner after graduation. Keep in mind that the age range with the highest average federal loan debt are borrowers aged 50 to 61. As such, it is best to start paying your student loan off early. 

Are there specialized private student loans available for health professions and other niche fields?

Students pursuing careers in high-demand fields, particularly in the health sector, may benefit from tailored loan options that consider the unique challenges and career trajectories of these disciplines. These specialized private student loans often include competitive rates, flexible repayment plans, and eligibility criteria aligned with the rigorous standards of accredited health programs. For instance, some programs require enrollment in specialized courses or clinical rotations, which can enhance repayment options based on anticipated earnings. Prospective borrowers should carefully compare the terms, interest rates, and repayment conditions of these loans and consider seeking professional advice to ensure that the loan aligns with their long-term financial strategy. Additionally, explore the health professions loan for options specifically designed to support health-related educational paths.

What alternative career paths can strengthen my ability to repay my student loan?

Exploring alternative career paths can provide greater financial stability, thereby supporting timely student loan repayment. Job opportunities in vocational or emerging fields may offer competitive salaries without requiring an extensive formal education. For example, some sectors in healthcare offer lucrative roles that bypass traditional degree requirements, such as the best healthcare jobs without a degree. Analyzing regional job market trends and required certifications can be instrumental in choosing a path with robust long-term growth potential, reducing reliance solely on academic credentials to secure a stable income post-graduation.

What are my options for refinancing or consolidating private student loans without a cosigner?

Refinancing or consolidating your private student loans without a cosigner can offer more flexible repayment terms and potentially lower interest rates. Lenders may evaluate your updated credit profile and financial history to offer better rates if your circumstances have improved since your original loan was issued. This option allows borrowers to combine multiple loans into a single payment, simplifying debt management. It is essential to compare current offers and evaluate any associated fees or extended terms that might increase overall costs. For students in health fields, consider exploring student loans for nursing school refinancing options designed to meet specific professional needs.

How Can Choosing an Affordable Online Education Program Help Lower My Student Loan Burden?

Exploring cost-effective online education alternatives can substantially reduce overall educational expenses, thereby lowering the dependency on large private student loans. Selecting programs with lower tuition costs and flexible scheduling supports faster degree completion and enables more efficient financial planning. A strategic evaluation of program accreditation, curriculum quality, and post-graduation employment outcomes is essential for making informed decisions. For instance, reviewing options from the most affordable online university can provide insight into programs that balance educational quality with cost savings.

How Can My College Major Choice Impact My Loan Repayment Ability?

Selecting a college major with high earning potential can significantly bolster your capacity to service private student loans without a cosigner. Evaluating fields known for robust career prospects and sustainable income growth helps ensure long-term financial stability and effective debt management. Data-driven insights, such as those found on What college majors make the most money?, provide valuable benchmarks to assess the return on investment of various academic disciplines. Consider industry demand trends and projected salary trajectories as part of your strategic approach to loan repayment.

Key Facts

• 38% of first-time, full-time degree/certificate-seeking undergraduate students were awarded loan aid in the 2020-21 academic year.
• The average federal student loan debt in 2021 was $37,338 per borrower.
• Borrowers aged 50 to 61 have the highest average student loan debt at $45,600, surpassing other age groups.
• The outstanding student loan debt in the US fluctuated between $1,729.25 billion and $1,774.91 billion from Q1 2023 to Q1 2024.
• The total amount provided in student loans in the US decreased from $109.30 billion in SY 2020/21 to $98.20 billion in SY 2022/23.
• In 2023, only 15% of all student loans provided in the US came from nonfederal sources.

Other Things You Should Know About the Best Private Student Loans That Don’t Require a Cosigner

Can a student get a loan without a cosigner?

Yes, students can secure loans without a cosigner through certain lenders that offer student loans specifically designed for borrowers who do not have a cosigner. These loans often consider factors such as the student's credit history, income potential, and academic background to determine eligibility. It's important for students to research and compare lenders to find options that best fit their financial circumstances.

How can I get student loans if my parents won't cosign?

If your parents are unable or unwilling to cosign a loan, you can still obtain student loans through lenders that offer loans without requiring a cosigner. These loans typically assess your individual creditworthiness and may consider factors such as your enrollment status, academic performance, and future earning potential. It's advisable to explore federal student loan options first, as they do not require a cosigner and offer various repayment plans and protections.

How can I get a loan if I don't have a cosigner?

Students without a cosigner can qualify for loans by demonstrating their ability to repay based on their credit history, income, and academic standing. Some lenders specialize in offering student loans without cosigners, focusing on factors like the borrower's academic program, school, and expected future income. Researching multiple lenders and comparing their terms and conditions can help students find a suitable loan option.

Are there any loan forgiveness programs available for private student loans?

Generally, private student loans do not offer forgiveness programs comparable to federal loan forgiveness options. However, some private lenders may offer repayment assistance programs or hardship options in specific circumstances. It's crucial for borrowers to carefully review the terms of their loan agreement and communicate with their lender to explore any available assistance programs or options for managing repayment challenges.

References:

1. Board of Governors of the Federal Reserve System. (2024). Report on the economic well-being of U.S. households in 2023 - May 2024. Federal Reserve Board.
2. Hanson, M. (2023, May 22). Average student loan debt [2023]: By year, age & more. Education Data Initiative. Retrieved June 17, 2024, from EDI.
3. National Center for Education Statistics. (2024). Fast facts: Student debt (900). Retrieved June 17, 2024, from NCES.
4. Statista. (2023, October 21). Share of student loans provided in the U.S., by source 2023. Statista.
5. Statista. (2024, June 7). Value of outstanding student loans U.S. 2024. Statista.