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Tips from PenFed
You can refinance both private and federal student loans without a cosigner.

Can I refinance with my spouse?
Yes. You and your spouse can apply together.

Are foreign citizens eligible?
Unfortunately, only United States citizens are eligible to apply at this time.

Federal loan disclosure
Federal student loan payments and interest are paused. If you refinance federal
student loans, your new loan will not qualify for this federal benefit or other
federal benefits such as income-based repayment plans and student loan
forgiveness programs.


WILL YOU BE APPLYING WITH A SPOUSAL COSIGNER?

You can include a cosigner after submitting your information

Yes, my spouse will cosign on my loan
No, my spouse will not cosign on my loan
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IMPORTANT NOTE: This is an inquiry for rates regarding a PenFed Private
Education Loan. This is NOT a loan application and this is NOT a federal student
loan program. Think carefully before refinancing federal student loans as a
private loan may not offer the same features.

You should always exhaust your federal aid options before applying for a private
loan, because these loans are sometimes more difficult to obtain and can often
end up being significantly more costly to you in the end. Private loans are
designed to supplement federal loan programs. Private loans are also known as
'alternative loans' and the terms often vary considerably based on the lender
and borrower credit histories.

CUSTOMER SUPPORT: Need assistance? Please reach out via email at
penfed@sparrowfi.com or phone at (646) 542-0350 and a member of our support team
would be happy to assist you.

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