To qualify for a loan, all loan borrowers must:

● Have a verifiable name, date of birth and social security number;

● Be at least 18 years of age (19 in Alabama and Nebraska);

● Have a credit score that meets the minimum credit underwriting requirements or, if the applicant

does not have a credit score, has graduated from or is currently enrolled in  an associates

degree at an accredited school,  a 4-year (bachelor’s degree) accredited college, or more

advanced degree granting program; unless s/he has been accepted to one of our partner

institutions that provides vocational training and has a job, job offer, or other verifiable source

of regular income;

● Have a U.S. address;

● Be a resident of Vermont, New Hampshire, or Maine

● Pass the identity verification and OFAC screening;

● Have a valid e-mail account;

● Have a job or job offer he/she has accepted and will start within 6 months or another verifiable

source of regular income and does not intend to terminate this source of regular income within

the 3 months following the application date

- meet our minimum credit requirements; and

- have a personal banking account at a U.S. financial institution with a routing transit number;