ARE YOU ELIGIBLE FOR A SIXUP LOAN?
Let's find out.
  • You have a minimum GPA of 3.0.
  • You can provide complete transcripts showing grades for all semesters you've attended school.*
  • You have completed FAFSA and accepted all financial aid and awards offered to you.
  • 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 a resident of Arkansas, California, Colorado, Connecticut, District of Columbia, Florida, Georgia, Massachusetts, Nebraska, New Hampshire, New Jersey, New Mexico, North Carolina, Oregon, Texas, Virginia, West Virginia, or Wisconsin.
  • 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 need of $15,000 per academic school year.
  • You are either a US citizen or permanent resident.
  • You are over the age of 18 or the age of majority in your state.
  • Credit history is not required. However, if you have a credit score, we require a minimum credit score of 600.
* We do not currently accept homeschool diplomas or GED.

SIXUP FOCUSES ON YOU AND YOUR PATHWAY TO SUCCESS
We support you on your journey by offering more than just money.
FINANCES
ACADEMICS
WELLNESS
CAREER
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.





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 between 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 may move into another pricing tier and reduce your interest rate.
AVAILABLE ASSISTANCE
Have a question or need help?
We have support handy
to answer your questions.
*Your academic deferment period is during enrollment plus the first six months after graduation or being enrolled less than half-time (up to 60 months).
** 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 $176.35, paying a total of $22,242.00, assuming the highest possible starting rate of 9.933% (9.224% APR) (subject to change).
READY FOR SIXUP?
APPLY NOW
I've checked my eligibility, and
I'm ready to apply for a loan.
NEED HELP?
I have a few more questions about Sixup.
STUDENT AND LOAN RESOURCES

Find out when we expand to your state.

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