Simple Application
Our application is simple and easy to understand. We removed most of the hoops you have to jump through to receive the money you need. Our application will take you less than 10 minutes and you'll get your decision in about 60 seconds. To apply, you'll need your Social Security number, your government-issued ID, your employment history, reference information, income verification and address verification.
Low Fixed Rates
Our low fixed rates are 5.50% to 6.75% for undergraduate students and 5.75% to 7.00% for graduate students. Other companies try to tease you into applying for their loans by offering rates as low as 2%. What they don’t tell you is that almost no one qualifies for the best rates and their interest rates can climb up to 13% or higher.
Complete Loan
If you're borrowing for college, you shouldn't have to worry about choosing the correct loan for your program. We make it easy by offering a complete student loan that covers your education expenses; whether you're an undergraduate or graduate student, finishing your degree, going back to college to further your education, no matter what it is. You can rest assured that our student loan is the right loan for you no matter your major or stage in life.Repayment Terms
We offer two repayment terms: 10-year repayment and 15-year repayment. There is no penalty for early payoff with either option.
Repayment Plans
Remember, the repayment plan you choose will affect how much money you end up paying for your loan.
Interest Only
Pay only the interest on your loan while you're in school. Make the habit of repaying your loans with a lower payment.
Principal and Interest
Make your full student loan payment as soon as you receive your disbursement. Your minimum monthly payment will be at least $50.00.
Deferred Option (Graduate Students Only)
Graduate students can defer student loan payments until graduation or dropping below below half-time enrollment. Just remember, you're still responsible for any interest that accrues.
Payment Options
There are three ways to make your payments and all of them are free because we won't charge you to make a payment.
Autopay
Sign-up for autopay and your payments will be deducted from your bank account automatically each month.
Online
You can make your monthly payment on-the-go through our online portal. Simply click "login" at the top of this page from your computer, tablet, or phone.
By Phone
You can call us to make your payment at 801-266-7538. We're available Monday through Friday from 8AM to 5PM (MT).
Deferment Options
If you are having trouble making your student loan payments, please contact us to make arrangements. You may qualify for a deferment if you're serving in the military. During deferment, interest continues to accrue. You have the option to pay the interest as it accrues or we will add any unpaid interest to your principal balance at the end of your deferment.
Helpful Forms
You'll need to fill out these forms to set-up Autopay, make Deferment requests, or set-up third-party authorization if you need to give someone else access to your account.
Utah Connection
Created with Utah Students in Mind
Complete Student Loans is available to college students with a Utah connection and is available at colleges and universities that meet specific eligibility criteria. The Utah connection means that our loan is made specifically for Utah residents attending college or university at eligible institutions within Utah or outside Utah. Complete Student Loans is also for eligible students from outside Utah who are attending or planning to attend eligible Utah institutions.
