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Student Loans & Refinancing

The nonprofit New Hampshire Higher Education Loan Corporation (NHHELCO), located in Concord, is the exclusive student lending partner of St. Mary’s Bank. Offering private student loans and student loan refinancing, NHHELCO’s EDvestinU® loan programs provide St. Mary’s Bank members access to an organization committed to providing responsible financing options. EDvestinU offers borrowers low interest rates, discount programs, and scholarship opportunities. NHHELCO is part of the NHHEAF Network Organizations, which aspire to be recognized as one of the nation’s most capable, trusted, and innovative leaders in educational loan services. 

EDvestinU® Private Student Loan
This loan program is intended for undergraduate and graduate students currently enrolled and seeking additional funding after exhausting all other financial aid resources. The student acts as the primary borrower but may require a cosigner to meet eligibility requirements. Eligible borrowers must be enrolled at least half-time at a Title IV degree-granting institution.
Features:
  • Low fixed and variable interest rates available
  • Deferred, interest-only, or immediate repayment
  • Interest rate discounts based on type of repayment and enrolling in automatic debit
  • No upfront fees or prepayment penalties
  • Cosigner Release available
  • Loan Minimum: $1,000
  • Loan Maximum: Up to the Cost of Attendance minus any financial aid accepted
  • Loan serviced in Concord, New Hampshire
  • Smooth online application process

Loans offered through NHHELCO are private student loans and are intended to supplement, not replace, federal and institutional financial aid options. Students are encouraged to file the Free Application for Federal Student Aid (FAFSA) at www.fafsa.gov and to consult their post-secondary institution’s financial aid office to discuss all available options.
 
EDvestinU® Consolidation Loan
This loan program provides existing student loan borrowers the option of combining multiple student loans into a new loan with the potential of reducing your interest rate(s) and lowering your monthly payment. Eligible loans include federal and private student loans used for attendance at a Title IV degree-granting institution.
Features:
  • Low fixed and variable interest rates available
  • Interest rate discount for enrolling in autopay
  • No upfront fees or prepayment penalties
  • Multiple repayment terms available
  • Cosigner Release available
  • Loan minimum: $7,500
  • Loan maximum: $200,000
  • Ability to refinance Federal Parent PLUS loans
  • Loan serviced in Concord, New Hampshire
  • Smooth online application process

For more information or to schedule an in-office appointment to discuss the programs, please contact EDvestinU’s friendly and knowledgeable loan counseling team. 

855-887-5430
educationresources@edvestinu.com
4 Barrell Court
Concord, NH 03301