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Student Loans

Paying for college is challenging for two reasons – it’s expensive and it’s complicated. An education is an investment that lasts a lifetime. Our singular focus is helping families pay for college – that’s all we do.

  • Borrow up to your total cost of education.
  • Online application takes just minutes.


  • With a Think Student Loan, the paperwork is simple and straightforward
  • Apply in minutes, and receive an online decision in less than a minute
  • All Think Student Loans are unsecured, which means they require no collateral


Check sent as fast as 48 hours from final approval1
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  • Undergraduates and graduates enjoy an automatic 6 month grace period following graduation before payments begin2
  • By enrolling in our automatic payment program, your interest rate will be reduced by 0.50%, and you can have your rate reduced by another 0.50% after you make your first 48 payments on-time3


  • Borrowers will never be turned down solely because they make too much money or are using other grants or loans to help pay for school
  • You can borrow up to the estimated cost for your school program with a lifetime aggregate maximum of $250,000
  • Think student loans can be used to pay for all education-related expenses including tuition, room and board, a computer, books, and lab fees. You can even use a Think Student Loan to pay for past due expenses

Think Student Loans put you in charge of the process.The Think Financial student loan does not require school certification and the proceeds are disbursed in the form of a check co-payable to the borrower and cosigner (if applicable), mailed directly to the applicant with the stronger credit profile. Apply Now!

1 Disbursement can occur in 48 hours after receipt and verification of signed loan documents and all other requested documentation and must be within 21 days of the enrollment date.

2 Interest will continue to accrue while your payments are deferred, and it will be capitalized (added to your principal loan balance) when repayment begins.

3 At all times the discount rates and cosigner release terms are subject to change. The on-time benefit must be earned. Cosigner release is contingent upon the borrower’s credit profile which will be reviewed by the Lender prior to release. Loan delinquency, default, or the use of forbearance may result in the revocation of all borrower benefits.

* Think Financial refers applications to Simple Tuition, a leading student loan comparison site, and is paid a fee for this referral.