Harvard University: Graduate and Professional Student Loan Comparison Chart
Student Loan Comparison Chart Lender 1 Lender 2 Lender 3 Notes
Loan Program Name
Customer Service Phone
Eligibility: Available to graduate students? To international students?
To U.S. citizens and permanent residents?
Cosigner Requirements: And, is there a cosigner release option?
Interest Rate: Variable or Fixed? If variable, what is the index (LIBOR
or Prime Rate?) What is the margin above the index (ex. Prime +
Interest Rate Range: Ex. Rates as low as Prime +1.0% and as high as
Prime + 7.75%
Fees: Application fees, origination fees, guarantee fees, late fees, and
any other fees.
Loan Limits (Annual/Aggregate)
Borrower Benefits: Repayment incentives, both front-end and back-
end, e.g., options for on-time and auto-debit payments. Can a
borrower lose the incentive? Do you have a “cure” process whereby
the incentive can be restored?
Repayment Options: Years to repay; graduated repayment options?
Grace Period/First Payment Due
Death & Disability Cancellation
Servicing Standards: What information is available on-line, phone
numbers (for domestic and international callers) and hours of
operation for your borrower customer service center. How can
student repay from overseas?
Date the information was collected: