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4 forms found in the DOM

GET https://www.lendingtree.com/index.php

<form role="search" method="get" class="search-form form-inline" action="https://www.lendingtree.com/index.php">
  <label class="form-group">
    <span class="lt4-Search"></span>
    <input type="search" class="search-field form-control" placeholder="Search LendingTree" value="" name="s" autocomplete="off" aria-label="Search LendingTree" aria-invalid="false" aria-describedby="search-error">
    <button type="reset" class="clear-search" aria-label="Clear Search" style="display: none;"></button>
    <div id="search-error" class="search-error">Please enter a minimum of three characters.</div>
  </label>
  <button type="submit" class="btn btn-orange search-submit">Search</button>
</form>

GET https://www.lendingtree.com/index.php

<form role="search" method="get" class="search-form form-inline" action="https://www.lendingtree.com/index.php">
  <label class="form-group">
    <span class="lt4-Search"></span>
    <input type="search" class="search-field form-control" placeholder="Search LendingTree" value="" name="s" autocomplete="off" aria-label="Search LendingTree" aria-invalid="false" aria-describedby="search-error">
    <button type="reset" class="clear-search" aria-label="Clear Search" style="display: none;"></button>
    <div id="search-error" class="search-error">Please enter a minimum of three characters.</div>
  </label>
  <button type="submit" class="btn btn-orange search-submit">Search</button>
</form>

Name: form1 — POST https://www.lendingtree.com/student/student-loan-offers?bsft_aaid%3D0f31be0a-cb25-4444-991d-8998e42c855f%26bsft_eid%3D39658ec8-f3ac-428c-a658-aa655c2c6b94%26ad_group_name%3D01-PL%26campaign_id%3D82afe59c-5aa5-4e29-b21d-3818a67c8d9b%26campaign_name%3Dtrigger-pageload-v6%26ccampaign%3Dtrigger-pageload-v6%26cchannel%3Dcrm%26ccontent%3Dtrigger-page-load-var4%26cgroup%3D01-PL%26cmethod%3Dtrigger%26cname%3Dpage-load-var4%26cproduct%3Dgeneral%26cterm%3D82afe59c-5aa5-4e29-b21d-3818a67c8d9b%26esourceid%3D6268966%26mtaid%3D0F49C%26template_name%3Dtrigger-page-load-var4%26bsft_clkid%3D007d8f2b-1f2e-42f2-bd7d-6567e74d8b5f%26bsft_uid%3Df2afa36d-8bbf-4599-81ca-0ae758ebdbcb%26bsft_mid%3D94a936f1-051b-4ff0-a21d-923b2215d352%26bsft_txnid%3D4d252179-ef53-4e14-aee2-6932678e515b%26bsft_mime_type%3Dhtml%26bsft_ek%3D2022-10-21T08%253A31%253A16Z%26bsft_lx%3D14%26bsft_tv%3D53%26csource%3D94a936f1-051b-4ff0-a21d-923b2215d352%26ctype%3Dlt%26customer_type%3Dlt%26template_id%3D94a936f1-051b-4ff0-a21d-923b2215d352%26sessionid%3D78c07d77-4487-4e7a-bc06-05d621b951e7%26mta%3D1

<form data-fscta-form="fsctaForm"
  action="https://www.lendingtree.com/student/student-loan-offers?bsft_aaid%3D0f31be0a-cb25-4444-991d-8998e42c855f%26bsft_eid%3D39658ec8-f3ac-428c-a658-aa655c2c6b94%26ad_group_name%3D01-PL%26campaign_id%3D82afe59c-5aa5-4e29-b21d-3818a67c8d9b%26campaign_name%3Dtrigger-pageload-v6%26ccampaign%3Dtrigger-pageload-v6%26cchannel%3Dcrm%26ccontent%3Dtrigger-page-load-var4%26cgroup%3D01-PL%26cmethod%3Dtrigger%26cname%3Dpage-load-var4%26cproduct%3Dgeneral%26cterm%3D82afe59c-5aa5-4e29-b21d-3818a67c8d9b%26esourceid%3D6268966%26mtaid%3D0F49C%26template_name%3Dtrigger-page-load-var4%26bsft_clkid%3D007d8f2b-1f2e-42f2-bd7d-6567e74d8b5f%26bsft_uid%3Df2afa36d-8bbf-4599-81ca-0ae758ebdbcb%26bsft_mid%3D94a936f1-051b-4ff0-a21d-923b2215d352%26bsft_txnid%3D4d252179-ef53-4e14-aee2-6932678e515b%26bsft_mime_type%3Dhtml%26bsft_ek%3D2022-10-21T08%253A31%253A16Z%26bsft_lx%3D14%26bsft_tv%3D53%26csource%3D94a936f1-051b-4ff0-a21d-923b2215d352%26ctype%3Dlt%26customer_type%3Dlt%26template_id%3D94a936f1-051b-4ff0-a21d-923b2215d352%26sessionid%3D78c07d77-4487-4e7a-bc06-05d621b951e7%26mta%3D1"
  method="post" id="short_form" class="student-loan-bullseye" name="form1" role="form" novalidate="">
  <!-- School Name -->
  <div id="stAutoComplete" class="yui-ac">
    <div class="add-float-labels active-float-labels">
      <input type="text" name="stInput" id="stInput" class="yui-ac-input" aria-describedby="stInputError" autocomplete="off" autocorrect="off" required="">
      <label for="stInput">Enter School Name<span aria-hidden="true">*</span></label>
    </div>
    <div id="stInputError" generated="true" class="error">
      <div id="stInput"></div>
    </div>
    <div id="stContainer" class="yui-ac-container"></div>
  </div>
  <button type="submit" class="btn btn-orange button--form-start btn-free-student-loan">View Loan Options</button>
  <!-- Hidden fields -->
  <div>
    <input type="hidden" id="pageIntendedProduct" value="newsl">
    <input type="hidden" id="pageType" value="StudentForm">
    <input type="hidden" id="guid" value="6cec9790-5e44-b624-7648-9880364c1782" name="guid">
    <input type="hidden" name="spff" value="t">
    <input type="hidden" name="brnd" value="lendingtree">
    <!-- use these if applicable -->
    <input type="hidden" id="scl" name="scl" value="">
  </div>
  <div class="handwrittenCallOut mobileOnly">
    <div class="calloutWrapper">
      <span class="mobileArrowOnly"></span>
      <span> Fast and easy!</span>
    </div>
  </div>
</form>

GET https://www.lendingtree.com/student/interest-rates/

<form action="https://www.lendingtree.com/student/interest-rates/" method="get" role="form" novalidate="novalidate" class="form-flex">
  <div class="col-xs-12 col-sm-2 col-md-1">
    <div class="promo-icon img-responsive">
      <div class="iconRing iconGreen">
        <span class="lt4-Student" aria-hidden="true"></span>
      </div>
    </div>
  </div>
  <div class="col-xs-12 col-sm-8 tb-padding10 md-center">
    <h2 class="nomargin md-center">Curious how student loan rates work?</h2>
  </div>
  <div class="col-xs-12 col-sm-3 tb-padding10">
    <button id="promo-slimicon" class="btn btn-orange nomargin btn-center">Learn More</button>
  </div>
</form>

Text Content

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COMPARE STUDENT LOAN OPTIONS NOW

Enter School Name*


View Loan Options

Fast and easy!

 Privacy Secured  |  Advertising Disclosures
 


COMPARE PRIVATE STUDENT LOAN OPTIONS FOR 2022

Whether you’ve just graduated high school and are working toward your Bachelor’s
degree or you’re pursuing higher education, such as a Master’s degree, after
being in the workforce for decades, LendingTree’s student loan center can help
you find the right loan – at the right price – for your desired degree.

Most likely, your education is going to be your biggest expense next to your
home. That’s why it’s so important to shop around and find the right loan and
the right lender for your unique situation. When financing so much money, just a
slight difference in the interest rate can save you thousands of dollars over
the life of the loan.

BORROW RESPONSIBLY

Unfortunately, about 65% of students misunderstand the terms of their own
student loans. That means they aren’t comparing options, reading the fine print
or asking questions about one of the most important financial decisions they’ll
ever make. Don’t be one of them.



Related Topics:

Guide to Parent Student Loans
Calculate Your Student Loan Payments
Compare Student Loan Consolidation Options


WHO’S ELIGIBLE?

If you’re looking to pursue any of the following degree programs, LendingTree
can match you to a lender that will meet your needs:

 * Associates Degree
 * Bachelor’s Degree

 * Master’s Degree
 * PhD





And, if you have no credit that’s not a problem. With the majority of students
having to borrow money for educational expenses, lenders aren’t going to punish
you for not yet establishing your credit.






HOW DOES A STUDENT LOAN WORK?

If you have been asking yourself this question, you are not alone. In fact, many
students who take out student loans don’t fully understand what loans are, how
student loans work specifically, what types exist, and so on. Not to fear, we
can help!

Let’s start with defining a loan. A loan is an agreement between a borrower and
a lender. A lender gives money to a borrower, and in exchange, the borrower
agrees to pay back the lender over a certain period of time plus
interest. Student loans are a type of loans that are intended to be used for a
borrower’s education.

It’s important to note that a student loan is a financial transaction, one that
comes with a binding agreement between you and your lender. If you take out
loans for your education, it’s wise to only take out the amount you need and no
more, as you will be expected to repay this amount in addition to interest down
the road.  Also, remember to do your research to find out how the interest on
your loans accrues and what types of repayment opportunities will be available
to you upon graduation.


CAN A STUDENT LOAN HELP YOU?

Whether for community college, a university, graduate school, or even the
supplies necessary to go to school, a student loan can help you cover expenses
when you might not be able to afford them on your own.


PRIVATE VS. FEDERAL


PRIVATE LOANS

 * Private loans are offered by banks, credit unions, private lenders, and other
   lending institutions.
 * These loans are based on creditworthiness—a higher credit score typically
   means a lower interest rate.
 * While APRs can start as low as 3.00%, students may want to consider a
   cosigner to qualify for their best rates and terms.
 * While most private student loan options have a variable interest rate,
   fixed-rate private loans are available as well.


FEDERAL LOANS

 * Federal loans are funded by the U.S. Department of Education.
 * To qualify for federal loans, students must demonstrate financial need (for
   most programs).
 * Eligibility is determined by filling out the FAFSA, the Free Application for
   Federal Student Aid.
 * Interest rates on federal student loans are fixed, ranging from 4.53% for
   undergraduate studies to 7.08% for graduate education.





Private loans often may be used to cover the difference between the total cost
of education and the amount offered through the federal loan program. This may
include the cost of housing, books, fees, and other educational expenses, in
addition to the cost of tuition. Before making a decision whether or not you
will borrow federal loans or private student loans, make sure you understand
whether or not interest accrues while you’re in school, if there is a grace
period when you graduate, and how much interest your lender is charging you.




HOW TO GET STUDENT LOANS: 4 SIMPLE STEPS

Don’t be daunted by the task of finding funds for school. Taken a step at a
time, this process is manageable, if a bit long (so don’t wait till the last
minute). We’ve broken it down into the four big steps you’ll need to take—along
with a few smaller ones throughout. Be thorough and organized, your college
loans have the potential to be with you a long time. Your future self will thank
your current self for doing the leg work to ensure you get your best possible
loans now.

 * Determine how much you need for college
   
   Finding out how much money you may need to borrow requires a flurry of steps
   on its own. The first one, however, is figuring out how much college tuition
   costs at your school. Check your school’s website for the annual cost of
   attendance along with room and board. Try to estimate the costs of books and
   supplies as well, although, you may not know exactly what you’ll need until
   classes are in full swing.
   
   Once you figure out how much college will cost, you can determine how much
   money you have saved, plus add in any college scholarships you may have
   earned. Filling out a Free Application for Federal Student Aid, or FAFSA
   form, is an inevitable part of this process as well.
   
   Once you fill out a FAFSA, you’ll learn how much aid you can qualify for if
   you choose to take advantage. You’ll also learn your required family
   contribution to school, which can be significantly less than college tuition
   depending on your family’s income and other factors.
   
   

 * Research & compare loan options
   
   Federal and private loans are available to help students make up the
   difference between the money they have and the money they owe. Make sure to
   compare loan options based on interest rates, repayment terms, and whether
   the rates are variable or fixed.
   
   Private student loans are a viable option for students who need to borrow
   money for school and may exceed borrowing amounts offered through federal
   loans. Make sure to compare private loans across a handful of lenders to find
   your best loan terms. Since private loans are not backed by the federal
   government, they are not guaranteed and do require good credit to qualify. On
   the positive side, however, private lenders have been known to offer
   incredibly favorable terms to students who need help with school.
   
   

 * Apply for your student loan
   
   Once you’ve compared loan options and decided on financing that meets your
   needs, it’s time to apply and get the ball rolling. Fortunately, our online
   world has made it easier than ever to apply for educational loans from the
   comfort of your own home.
   
   Generally speaking, you’ll start by choosing a lender or applying to receive
   multiple loan options through a service like LendingTree. Once you’ve nailed
   down a loan offer to move forward with, you’ll be able to upload any required
   documents right from your home computer.
   
   Your lender may ask for the following documentation:
   
    * Social security number
   
    * Driver’s license
   
    * Most recent income tax return
   
    * Parent’s latest income tax return (if applicable)
   
    * Bank statements
   
    * Statements regarding business activity
   
    * Legal documentation of residency (if required)
   
   Once you supply all the documentation your lender requires, you may need to
   wait a couple of weeks to receive a decision on your pending student loan. In
   the meantime, you can continue planning your college education or try to earn
   more money to lighten your load.
   
   

 * Get approved, accept, and sign!
   
   While waiting a few weeks for approval can be stressful, it doesn’t always
   take that long to receive a response regarding your loan application. You may
   only need to wait a few days to hear whether you’re approved for the funds
   you need for school. And once you’re approved, the rest of the process is
   simple.
   
   As you prepare to sign your loan documents, make sure you read through them
   thoroughly. Note the various terms you’ve agreed on, and if they’re worded
   like you imagined they would be. Make sure to check the loan term and
   interest rate to ensure you’re receiving what you expect.
   
   If your loan has been approved, your lender will require your school to
   certify the loan – as in, your school will need to provide documentation that
   you do plan to attend. While each school has its own process regarding how
   they certify loans, most schools certify at least once per month. According
   to Sallie Mae, however, some schools may not certify private loans until a
   few weeks before school starts.
   
   Once your school has certified your loan, your lender will provide a
   disbursement of loan funds. These funds are typically sent to your school in
   a lump sum or in several smaller disbursements.
   
   


CURIOUS HOW STUDENT LOAN RATES WORK?

Learn More


CALCULATE YOUR STUDENT LOAN PAYMENT




READY TO CRUSH STUDENT DEBT?

If you already have student loan debt and are looking to lower your monthly
payment or your interest rate, head on over to our student loan refinancing
center to find a lender that will refinance your existing loans and make them
more affordable.




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