Why prepGATE?

The right loan, made easy.

The prepGATE Loan Program makes it simple to find the K-12 education loan that makes the most sense for you. And with our online application, applying is a snap.

The prepGATE Loan Program offers other compelling benefits including:

  • Competitive rates and a choice of repayment terms
  • Online loan application takes as little as 15 minutes to complete
  • Application calculates Annual Percentage Rates (APRs)1 and repayment amounts in real time, making it easy to compare various loan scenarios
  • Custom credit risk scorecard makes loans available to a wider range of borrowers
  • Instant credit review2

Start your loan application today.

Learn more about prepGATE Loans.

Our Promise

Low-Rate, Low-Cost Loans

Our loans features competitive rates, origination fees as low as  *, and no prepayment penalty.

Freedom Of Choice

Qualified borrowers can choose between different repayment terms.

Easy Application

Apply online in as little as 15 minutes. Invite a cosigner with the click of a button.

"Casting A Wider Net"

Our custom credit scorecard allows us to make loans to borrowers who might not otherwise qualify for them.††

1Annual Percentage Rate (APR) is the measure of what a loan will cost. It takes into account the rate, fees, length of the loan and the timing of all payments. The APR will increase/decrease if the One-month LIBOR index increases/decreases.

2Passing the initial credit review is based on review of all the information you and your cosigner (if applicable) provide during the application process and the information obtained from your credit report(s). If you pass the initial credit review, you will need to provide acceptable documentation such as your income verification and certification of your loan from your school before the final loan approval.

*Origination fees range from   to  , depending on the repayment term chosen by the applicants.

††Minimum credit score required for the primary applicant.