No cosigner required
Unlike most private student lenders, Edly’s No Cosigner FIT Loans don’t require student loan borrowers to have a cosigner. Borrowers without a cosigner are more than 3x more likely to get approved1 for a student loan with Edly than with other private student loan providers and loan programs.
Payments that FIT your income
Tuition costs continue to rise, and so do students’ financial needs. With all Edly loan products, repayment amounts adjust to your post-graduation/completion income. That way, you’ll always know what to expect. No student loan payment surprises here!
Built-in protections
Life happens. If you lose your job, or your income drops below the minimum income threshold, you can defer your monthly payments with forbearance options.22
Edly’s Loan Options
Find the loan option that best suits you!
Student Loans
FIT (Flexible-Income Tracking)
No Cosigner FIT Loan
Designed for students in qualifying college, university, certificate, and career training programs who wish to apply without a cosigner.
FIT (Flexible-Income Tracking)
Cosigned FIT Loan
Designed for students who want flexible, income-tracked payments with the comfort of having a cosigner.
FIT (Flexible-Income Tracking)
No Cosigner FIT Loan
Designed for students in qualifying college, university, certificate, and career training programs who wish to apply without a cosigner.
FIT (Flexible-Income Tracking)
Cosigned FIT Loan
Designed for students who want flexible, income-tracked payments with the comfort of having a cosigner.
Get Pre-Qualified. Fast.
Within minutes, you’ll be able to check your eligibility and repayment terms. If approved and verified, once you accept your offer we’ll send the loan to your school for certification.
Check your terms
30 SECONDS
See if you meet initial requirements like school, program of study, and graduation date.
Apply for funding
2 MINUTES
Complete your application to get your official offer. Pre-qualify without affecting your credit score.
Accept your offer
INSTANT
Review your final terms, accept your offer and we’ll send your application to your school for certification and disbursement.
Simple payments.
Designed for you.
Affordable In-School Payment Options
Focus on school while staying in control of your finances. With an Edly No-Cosigner FIT Loan, you can make in-school payments of as little as $20/month!
A private student loan option based on what you’ll actually earn
Your payments adjust with your pre-tax income. Lose your job? No problem. Borrowers may defer payments in the case of hardship.2 .
Simple, easy loan terms.
Your loan is repaid once you make the required number of payments, even if you’ve paid back less than you borrowed. Or, you can pay it off early at any time. Whatever works best for you.
1,500+
Supported schools
100+
Supported majors
$125M+
Of tuition funded
Trusted by thousands of students like you.
Discover industry-leading benefits
We encourage all students to complete the Free Application for Federal Student Aid (FAFSA) form to ensure that you take advantage of all federal student loan programs and financial aid that may be available to you.
Our platform is designed to help students close the “funding gap” that remains so they may complete their studies. Unlike most private student lenders, such as Sallie Mae, Edly offers a flexible payment plan with many borrower protections. Features of Edly student loans include:
No cosigner required or hard credit pull to pre-qualify
Fast application decisioning
Forbearance available for unemployment or earning below minimum threshold
Responsive, personalized customer support
Student resources
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