Private Student Loans

Edamerica provides you with low-cost, student loan options. We offer big savings on private student loans. Our vision is to create access to higher education so students can realize their dreams in life.

Applying for Xtra Credit with a credit-worthy co-borrower may lower your interest rate and fees!

Edamerica Xtra Credit Alternative Loan

As college tuition and expenses increase, you may need to explore alternative sources of funding - after you maximize your student aid options including federally guaranteed loans.  Edamerica's Xtra Credit loan is a private source of funds for credit-worthy undergraduate and graduate borrowers.

  • Convenient online pre-approval process - decision within seconds
  • Competitive interest rates
  • Defer principal and interest payments while enrolled in school and during the subsequent six month grace period
  • Up to 48 months of deferment for internships and residencies
  • Low monthly payments
  • Combined billing of Xtra Credit and FFELP loans serviced by Edfinancial Services
  • Available to cover all education-related expenses

 


  

Questions about Xtra Credit?  Call 800.337.1009.

Enjoy exceptional customer service via Edfinancial Services, convenient combined billing with your Stafford loan, online payment and account information, and a 24-hour voice response system. Helpful representatives are available for online chat on Edlive.