A New Hampshire-based educational non-profit serving NH students and families

Apply for a Loan

Loans can help you bridge funding gaps to reach your goals. Get competitive rates and benefits from a local nonprofit that’s been helping NH families find and fund their future pathways for more than 60 years.

Our Loans

  • Student Loan

    Available to students who are NH residents or attending college in NH and are enrolled at least half time in an eligible institution

    Fixed rate between 3.490% – 10.927% APR1
    • Expanded approval opportunities2
    • No origination fee
    • Optional .25% discount for automatic debit
    • Optional cosigner with optional release3
    • Choice of three repayment term options (7, 10, and 15 years) 
    • Immediate, interest-only, or deferred repayment options
    Check your student loan rate

  • Parent Loan

    Available to NH residents that are parents or step-parents of undergraduate students enrolled at least half time at an eligible institution

    Fixed rate between 4.489% – 9.250% APR4
    • Competitive rates compared to Federal Direct PLUS Loan5
    • No origination fee
    • Optional .25% discount for automatic debit
    • Optional cosigner with optional release3
    • Choice of three repayment term options (7, 10, and 15 years)
    • Immediate repayment only
    Check your parent loan rate

By clicking to check your rate, you will leave Granite Edvance’s website and enter the website of our trusted third-party service provider. Checking your rate on Sparrow will not affect your credit score and only takes 3 minutes.
Disclosures

In 2024

FEATURED ON RAVECAPTURE

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How to Apply

  1. .01

    Check your rate

  2. .02

    Review loan

  3. .03

    Upload required documents

  4. .04

    Customize loan terms

  5. .05

    Get funding for college

Check your rate

Want to talk through your loan options?

Our Customer Experience Team is available Monday–Thursday, 8 AM – 8 PM EST, and Friday, 8 AM – 5 PM EST.

Schedule a free consultation

Not a New Hampshire resident or attending college in New Hampshire?
Head over to our EdvestinU website and learn more about the financing options we offer beyond New Hampshire.

Application & Solicitation Disclosures

1 The Granite Edvance Student Loan APRs depend in part on creditworthiness. Lowest APR is only available to our most creditworthy borrowers and assumes an application with a cosigner, immediate repayment, a 7-year repayment term, and 0.25 percentage point interest rate reduction for optional automatic debit. Highest APR assumes deferred repayment, 15-year repayment term, and 0.25 percentage point interest rate reduction for optional automatic debit. For more information about automatic debit, see note 6.

2 The Granite Edvance Student Loan, in comparison to the EdvestinU Private Student Loan, offers more accessible underwriting criteria.

3 To be eligible for cosigner release, account is to be current, after 24 months of consecutive and on-time payments (except for states that require borrowers to have made 12 months of consecutive and on-time payments), and the remaining borrower meets the Lender’s then required credit underwriting criteria.

4 The Granite Edvance Parent Loan APRs depend in part on creditworthiness. Lowest APR is only available to our most creditworthy borrowers and assumes an application with a cosigner, a 7-year repayment term, and 0.25 percentage point interest rate reduction for optional automatic debit. Highest APR assumes 15-year repayment term, and 0.25 percentage point interest rate reduction for optional automatic debit. For more information about automatic debit, see note 6.

5 The Federal Direct Parent PLUS loan offers the same interest rate (currently 8.94%) to all borrowers and includes a 4.228% origination fee, while the Granite Edvance Parent Loan bases rates on the borrower’s or cosigner’s credit and includes no origination fee. Compare all potential loan benefits when choosing the right program for you.

6 Borrowers with private loans that are in deferment (including Granite Edvance Student Loan borrowers who elect deferred repayment), a grace period, or forbearance are not eligible to enroll and receive the automatic debit benefit until they enter into repayment. Borrowers electing to enroll in interest-only or immediate repayment are eligible to enroll in automatic debit upon initial disbursement.

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