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Personal Banking > Student Services > Loan Applications > TruFit Student Loan
 
Student Services
 
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TruFit Student LoanTM

Charter One has a solution to manage college costs - the TruFit Student Loan. This private loan program picks up where grants, scholarships, and federal loans leave off, giving students a smart and affordable way to cover remaining expenses.

Apply Now

Key Features and Benefits Put Students in Control:
  • Competitive rates including an additional 0.50% interest rate reduction for automating payments from any eligible Charter One account
  • Flexible repayment options, including the ability to defer payment until after graduation.
  • The ability to finance up to the cost of education.1
  • Easy qualification2 with minimal income requirements.
  • Fast, easy application process.
  • Co-signer release option available after initial 36 consecutive, on-time payments.3
Rates and Fees to Fit a Student's Budget:
  • Interest rates as low as one-month LIBOR plus 3.00%4
  • Students are encouraged to apply with a qualified co-signer to increase chances of receiving lowest rate possible.
  • Fees range from 0 - 5.00%.
Flexible Repayment Terms:

With TruFit, students have the flexibility to choose the repayment plan that best meets their needs.

  • Immediate. Students can make payments while in school.
  • Interest-only. Students can make interest-only payments while in school, helping lower total loan debt.
  • Deferred. Students can defer payment until 6 months after graduation or when they drop below half-time status.

Plus, there's no prepayment penalty.

Convenient Disbursement:

Loan proceeds are sent directly to the school.

It's easy to apply.

Before you apply make sure you have the following items available so you can easily complete your application:

  • Name
  • Address
  • Phone Number
  • Email Address
  • Date of Birth
  • Social Security Number
  • Driver's License Number
  • Gross Monthly Household Income
  • Employer Name, Phone Number and Length of Employment (if applicable)
  • Monthly Rent or Mortgage Payment (if applicable)
  • Name of School You Plan to Attend
  • School's DOE Code
  • Anticipated Graduation Date (MM/YYYY)
  • Loan Amount Requested (MM/YYYY to MM/YYYY)
  • Loan Period
  • Co-signer Name and Valid Email Address (if applicable)

Remember, students are encouraged to apply with a qualified co-signer to increase their chances of receiving the lowest rate possible.

Apply Now

Student Banking Options

To take advantage of the 0.50% interest rate reduction on your TruFit Student Loan you will need to sign up for automatic payments from any eligible Charter One account. To learn more or apply for our student checking account visit our Student Banking Page.

Already have a Charter One account?

If you already have an eligible Charter One account and want to sign up for automatic payments to take advantage of our 0.50% interest rate reduction on your TruFit Student Loan, simply fill out the KwikPay form.

 
 

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© Copyright 2009 Citizens Financial Group. All rights reserved.
Charter One is a division of RBS Citizens, N.A.

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All accounts are subject to individual credit approval.

1 As determined by your school. Minimum borrowing amount is $1,000. Aggregate is $120,000 (including federal and private loans).

2 Eligibility requirements: student must be enrolled at least half-time in a degree granting program at an eligible institution. They must be a U.S. citizen or permanent resident, or have a U.S. citizen co-signer. Student must be of legal borrowing age in their state of residence. International students can apply with a creditworthy U.S. citizen or permanent resident co-signer.

3 Subject to terms and conditions.

4 Interest rates as low as one-month LIBOR plus 2.50% if students take advantage of the 0.50% interest rate reduction benefit for automating payment from any eligible Charter One account. Variable rate, based on the one-month London Interbank Offered Rate (“LIBOR”) published in The Wall Street Journal on the twenty-fifth day, or the next business day, of the preceding calendar month.

Charter One reserves the right to modify or discontinue these benefits at any time. Changes to these benefits, if any, will affect only loans disbursed after the changes occur.

Charter One TruFit Student Loan programs are offered and originated by RBS Charter One, N.A. Member FDIC and Equal Opportunity Lender. RBS Charter One, N.A. may sell your loan to a third party, and, in the event your loan is sold, it will use commercially reasonable means to ensure that all of its promises to you, including all borrower benefits that you might become eligible for during the loan's repayment period, will be honored. If you consolidate your loan prior to earning a benefit, you waive your right to that benefit, but you may have the ability instead to earn consolidation benefits. If you consolidate your loan after you earn a benefit, that benefit will not be retracted or forfeited.

Charter One TruFit Student Loans are serviced by Firstmark.