Select T.H.E.

What do I need to know when selecting a lender?

T.H.E.'s PLUS Loan Program is designed to assist you in covering the cost of education for your dependent student. T.H.E. is a non-profit organization where borrowers are the stakeholders. Features of the T.H.E. PLUS Loan Program include:

0-1% Default Fees

3.0% Origination Fees

Federal regulations prohibit us from offering zero origination fees on PLUS loans.

Flexible Repayment Plans

As a parent receiving a T.H.E. Federal PLUS Loan, you have three repayment options: interest-only payments, standard repayment or no payments while the student is in school. You have up to a 10-year term once you enter a standard repayment plan.

Better Benefits Than Private Loans

T.H.E. Federal PLUS Loans offer greater cost savings and are eligible for federal student loan consolidation.

0.25% ACH Benefit

0.25% interest rate discount for automatic payments (ACH) on new federal loans with a first disbursement on/after 7/1/2008

Excellent Customer Service

Geared for you, our experienced customer service experts provide a single point of contact for your questions. T.H.E. also offers combined billing, meaning one payment for all your loans.

Borrower Education

Personalized counseling to assist borrowers from beginning throughout repayment.

Click here for important information on loan terms! (Note: All terms subject to change)