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No cosigner required
Unlike most private student lenders, the IBR No Cosigner Student Loan doesn’t require student loan borrowers to have a cosigner. Borrowers without a cosigner are 3x more likely to get approved1 for a student loan through Edly than with other private student loan providers and loan programs.
Income-based payments, designed to be affordable
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.2
Loan Options Through Edly
Find the loan option that best suits you!
Student Loans
Income-Based Repayment (IBR)
No Cosigner Student Loan
Designed for students in qualifying college and university programs who wish to apply without a cosigner.
Income-Based Repayment (IBR)
Cosigned Student Loan
Designed for students who want the flexibility and affordability of income-based repayment with the comfort of having a cosigner.
Income-Based Repayment (IBR)
No Cosigner Student Loan
Designed for students in qualifying college and university programs who wish to apply without a cosigner.
Income-Based Repayment (IBR)
Cosigned Student Loan
Designed for students who want the flexibility and affordability of income-based repayment with the comfort of having a cosigner.
Career Training Loans
Income-Based Repayment (IBR)
No Cosigner Career Training Loan
Designed for students pursuing certificates and/or career training in supported programs and schools.
Income-Based Repayment (IBR)
Cosigner Career Training Loan
Designed for students pursuing certificates and/or career training who want the flexibility and affordability of income-based repayment with the comfort of having a cosigner.
Income-Based Repayment (IBR)
No Cosigner Career Training Loan
Designed for students pursuing certificates and/or career training in supported programs and schools.
Income-Based Repayment (IBR)
Cosigner Career Training Loan
Designed for students pursuing certificates and/or career training who want the flexibility and affordability of income-based repayment 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
We’ll check to see if you meet our initial requirements, like school, major/program of study and graduation/completion date. Our platform does not require a cosigner for IBR No Cosigner Loans, which are specifically designed for students who are within one year of graduation/program completion. Students more than a year from completion also have the option to apply with a cosigner.
Apply for funding
2 MINUTES
Complete your loan application to be considered for your official offer. You can get pre-qualified without affecting your credit score. If you don’t pre-qualify on your own, you can easily add a cosigner. )
Accept your offer
INSTANT
Review your final terms, accept your offer and we’ll send your info over 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 IBR No-Cosigner Student Loan, you can make in-school payments of as little as $10/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, income-based repayment plan with many borrower protections. Features of Edly student loans include:
No cosigner required or hard credit pull to pre-qualify
Fast application decisioning
Income-based repayment
Forbearance available for unemployment or earning below minimum threshold
Responsive, personalized customer support
Student resources
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