"Coming from a low-income household, neither my parents nor I had the finances to pay for my college."
Bria C. — Class of 2020
University of Texas at San Antonio
SPEND LESS TIME WORRYING ABOUT FINANCES.
"Taking a Sixup loan helped me focus on my classes and activities. Not only did it take the burden off me, but also my parents."
Tania E. - Class of 2016
University of North Texas
WE GET IT, WE'VE BEEN THERE.
"Sixup was started by people that look just like our students - low-income, first generation students. They know from personal experience."
Kathy Rose - Executive Director
ARE YOU ELIGIBLE FOR A SIXUP LOAN?
Let's find out.
You are a resident of Arkansas, California, Connecticut, Florida, Georgia, Massachusetts, New Jersey, North Carolina, Nebraska, New Mexico, Oregon, Texas, Virginia, West Virginia, or Wisconsin.
You are a full-time undergraduate attending or about to attend a Title IV-eligible four-year college (for-profit schools not eligible).
You are either a US citizen or permanent resident.
You are over the age of 18, or the age of majority in your state or have a cosigner who is.
You have a minimum GPA of 2.5.*
You have completed FAFSA and accepted all financial aid and work study offered to you. Not sure? We'll help you find out.
You have a minimum need of $2,500 (above $3,000 for Georgia residents and must be at least $5,000 for California residents) and maximum of $15,000 per school year.
Our loan is designed to support Pell Grant eligible students (but not required).
Although generally no credit history is required, it will be considered if you have one (such as having at least a 600 credit score).**
* Depending on factors such as the quality of the school attending and the difficulty of the course load.
** Certain students may have high enough academic and other factors to be considered for potential loan approval but not high enough where they don't also need a positive credit report, and certain students may require a higher credit score than 600. Only one Consumer Reporting Agency is used to provide credit reports, so you may have a higher score or different information with one we don't use.
When cosigners are required, they are reviewed by financial and credit measures.
Don't see your state on our list?
SIXUP FOCUSES ON YOU AND YOUR PATHWAY TO SUCCESS
We support you on your journey by offering more than just money.
We fund the gap between financial aid and the total cost of attendance so you can attend and graduate from your dream school.
Most private student loans require a cosigner with good credit — but that's not your reality.
Our loan is designed to support Pell Grant eligible students. We don't require a credit history for a Sixup™ loan but if you have one, it will be considered, and one may be required in certain cases.
We know academic success matters. Unlike traditional private lenders, we offer support services like free tutoring and education workshops.
You work several jobs, your grades suffer and you miss out on college experiences.
We want you to have the time and tools you need to get good grades. A Sixup loan allows you to focus on your classes and free tutoring means you can get extra help whenever you need it.
We care about your general wellness and are here to help so that you can succeed in college and beyond.
You try to balance school, campus life, family, and work but you're struggling.
With Sixup you've got a personal support system. Our programs are designed to help with the daily realities of student life.
Good grades are important but we know great internships help you land the best job after school.
You need a resume that will attract the right attention.
Our team works with you on resumes and is there to discuss internships and activities to make you a more attractive candidate to potential employers.
MORE WAYS SIXUP LOOKS OUT FOR YOU
BUILD YOUR OWN CREDIT
You have two options for repayment during your academic deferment period.* Either defer repayments until after that period or pay $20 each month, and you can move betwen them during that period. Taking the $20 option and paying on time may help you establish a positive credit file.**
GOOD GRADE REWARDS
If your grades consistently improve while you are in school, your next loan with us can move into another pricing tier and reduce your interest rate.
Have a question or need help? We have support handy to answer your questions.
*Your academic deferment period is while you are in school full-time and for six months after for a maximum of 60 months total.
** For a $10,000 loan, assuming you make 54 payments of $20 a month for an academic deferment period of 48 months of school plus 6 months, you will then make 120 monthly payments of $173.90, paying a total of $21,948.00, assuming the highest possible rate of 9.61% (subject to change).
READY FOR SIXUP?
I've checked my eligibility, and I'm ready to apply for a loan.
"Sixup not only helped pay for school but also created a support group for me that I can lean on when I'm struggling academically or socially. Sixup truly set themselves apart from the many loan companies available by going above and beyond in ensuring my success in school."
Stacey H. — Class of 2018
University of Texas at San Antonio
"For me, the company itself is like a family. Because they don't take you just as a number. They also make sure to support you in every way possible. For example, they are giving free tutoring. Along with these resources, I have people, like Jessie and Lauren who met up with me to see how my semester was going."
Anngellie L. — Class of 2018
University of Houston
"Taking a loan has allowed me to transfer from Lone Star College to Baylor University, a school that has shown me countless opportunities for the field of dentistry, which I plan to pursue. Sixup has allowed me to stay confident in my studies regardless of my financial difficulties."