Loan Applications

Most students start out with a Federal Stafford Loan, a program federally regulated and guaranteed. Typically, federal loan limits are not enough to cover the full cost of an education. Therefore, you can supplement it with other loan products that may require separate applications.

Federal Loans

Affordable Stafford Loan
The federal government backs loans for both undergraduate and graduate students who are enrolled at least half-time in a degree program at an eligible school.

Before you apply for the Stafford Loan, you must fill out a Free Application for Federal Student Aid (FAFSA). This is a Federal document that can be completed online, at www.fafsa.ed.gov.

Then fill out an application for the Stafford Loan.

Application for Delaware and Pennsylvania Schools
Application for Illinois, Indiana and Michigan Schools
Application for Ohio Schools
Application for Connecticut, Massachusetts, Maine, New Hampshire, New Jersey, New York, Rhode Island and Vermont Schools
For additional information please contact the financial aid office at your school or call 1-800-721-3969

If you have questions or want to receive a paper application, Email us at educationfinance@charteronebank.com or call our Education Finance Specialists at 1-800-721-3969

Affordable PLUS Loan (for Parents and Graduate Students)
Qualification for a PLUS Loan is based on good credit only, with no debt-to-income ratio guidelines or employment verification requirements.

Parent Borrowers:

Graduate Student Borrowers:

Private Loans

TruFit Student Loan

Online Application

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All accounts are subject to individual credit approval.

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 Federal Loan programs are funded by RBS Citizens, N.A. Member FDIC and Equal Opportunity Lender. RBS Citizens, N.A. may sell your student loan to a third party, and, in the event your loan is sold, it will use all 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 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.