Privacy Policy Effective

Privacy Policy Effective 

At, your privacy is assured. We respect your right to privacy and recognize our obligation to keep information about you secure and confidential.

Information Collection & Use


In order to use this Web site, you must first complete the registration form and create a user a myApp account.  During registration you are required to provide contact information such as name, address, phone, and email address. We use this information to contact you about the services on our site in which you have expressed interest.

You have the option to provide demographic information such as Driver license number, date of birth, and employer information to us; we encourage you to submit this information so we can provide you a more personalized experience on our site.

Application Forms

If you apply for a PLUS or Private loan on our site, we require that you provide certain personally identifiable information, including your name, address, phone number, Social Security number, and employer information.  This information is necessary to process your application and to contact you.  The applicant will receive a phone call within 15 min. of applying 9AM – 11PM Eastern Standard time and if are unable to be reached at provided phone number they may receive a confirmation email.

Social Security Numbers

We require your social security number to provide loan products.  When you enter your social security number on our application form, we encrypt it using secure socket layer technology (SSL).

We do not collect any nonpublic personal information about you unless you expressly authorize us to collect such information, such as when you submit a loan application to us. This information may include your name, address, telephone number, Social Security Number, and certain personal financial information such as student loan account balances, payment history, account usage and similar information relating to your transactions with, and is used only to facilitate the performance of our services.


If you choose to use our referral service to tell a friend about our Web site, we will ask you for your friend name and email address.  We will automatically send your friend a one-time email inviting him or her to visit the site.  does not store this information, and information collection is for the sole purpose of sending this one-time email.

We do not collect individual information about visitors to our Web site, however, we do use standard software to collect combined, aggregate information for the strict purpose of analyzing this Web site's traffic and usage. This allows us to better understand how many people access our site and which pages are most popular.

Log Files

As is true of most Web sites, we gather certain information automatically and store it in log files.  This information includes internet protocol (IP) addresses, browser type, internet service provider (ISP), referring/exit pages, operating system, date/time stamp, and clickstream data.

We use this information, which does not identify individual users, to analyze trends, to administer the site, to track users’ movements around the site and to gather demographic information about our user base as a whole.  We do not link this automatically-collected data to personally identifiable information. 


A cookie is a small text file that is stored on a user computer for record-keeping purposes. We use cookies on this site.  We do not link the information we store in cookies to any personally identifiable information you submit while on our site.We use session ID cookies.

We use session cookies to make it easier for you to navigate our site.  A session ID cookie expires when you close you browser. A persistent cookie remains on your hard drive for an extended period of time.

We set a session ID cookie to provide bowers with more personalized content relevant to their product needs and inquiry.

If you reject cookies, you may still use our site, there are no limitations to your navigation.

Some of our business partners use cookies on our site.  We have access to or control over these cookies. See “Third Party Advertisers.”

This privacy statement covers the use of cookies by only and does not cover the use of cookies by any advertisers.

Supplementation of Information

In order to provide certain financial lending services to you, we may on occasion supplement the personal information you submitted to us with information from third party sources.  These third parties include Hart, Terri, and ACS (Affiliated Computer Services)

  • Credit Check. To determine if you qualify for one of our loan products, we use your name and social security number to request a credit report.  Once we determine your credit-worthiness, we store the information in an electronic database.
  • ID Loan Verification. We use the National Student Loan Database to verify your loan history in order to determine if you qualify for certain loan products.
  • Enhancement of Profile Information. We purchase marketing data from third parties and add it to our existing user database, to better target our advertising and to provide pertinent offers in which we think you would be interested.  To enrich our Profiles of individual customers, we tie this information to the personally identifiable information they have provided to us.

Legal Disclaimer 

We reserve the right to disclose your personally identifiable information as required by law and when we believe that disclosure is necessary to protect our rights and/or to comply with a judicial proceeding, court order, or legal process served on our Web site.

abides by federal law and the guidelines established by the Federal Trade Commission regarding youth privacy. Therefore, we will not knowingly collect any personal information from or allow the registration of young people under the age of 13. If we become aware that we have inadvertently collected personal information from a person under the age of 13, we will promptly take all reasonable steps to delete the data from our system.

will not share your personal information with nonaffiliated, third parties except as required or permitted by federal law or regulation. For example, we may share your personal information with schools, lenders, agencies of the United States government and their agents, credit-reporting agencies, and with third-party servicing organizations. These third parties are required to use your personal information for its intended purpose only.

will always protect the personal information you share with us. We maintain physical, electronic and procedural safeguards that comply with federal regulations to guard your nonpublic personal information. All personal information you provide online is encrypted using SSL, or 128-bit encryption technology; the internet standard for secure communication online.

Access to Personally Identifiable Information

If your personally identifiable information changes, or if you no longer desire our service, you may correct or update your information by making the change on our member information page or by contacting your dedicated account representative, or by contacting us by telephone or postal mail at the contact information listed below.


The security of your personal information is important to us.  When you enter sensitive information (such as social security number) on our registration or order forms, we encrypt that information using secure socket layer technology (SSL).

We follow generally accepted industry standards to protect the personal information submitted to us, both during transmission and once we receive it.  No method of transmission over the Internet, or method of electronic storage, is 100% secure, however.  Therefore, while we strive to use commercially acceptable means to protect your personal information, we cannot guarantee its absolute security.

is a licensee of the TRUSTe Privacy Program.  TRUSTe is an independent, non-profit organization whose mission is to build user trust and confidence in the Internet by promoting the use of fair information practices. Because this Web site wants to demonstrate its commitment to your privacy, it has agreed to disclose its information practices and have its privacy practices reviewed for compliance by TRUSTe.

If you have questions or concerns regarding this statement, you should first contact Joe Kunkel (Compliance Officer/Ombudsman) at 800.229.4639.  If you do not receive acknowledgement of your inquiry or your inquiry has not been satisfactorily address, you should contact TRUSTe atTRUSTe will then serve as a liaison with us to resolve your concerns.

Business Transitions

In the event goes through a business transition, such as a merger, acquisition by another company, or sale of all or a portion of its assets, your personally identifiable information will likely be among the assets transferred.  You will be notified via email and notice on our Web site of any such change in ownership or control of your personal information.

Changes in this Privacy Statement

If we decide to change our privacy policy, we will post those changes to this privacy statement, the homepage, and other places we deem appropriate so that you are aware of what information we collect, how we use it, and under what circumstances, if any, we disclose it.

We reserve the right to modify this privacy statement at any time, so please review it frequently.  If we make material changes to this policy, we will notify you here, by email, or by means of a notice on our home page.

stores all personal information internally in a controlled, secure environment where only those employees with a business reason to access your personal information are authorized to do so.


We provide you the opportunity to ‘opt-out’ of having your personally identifiable information used for certain purposes, when we ask for this information.  For example, if you purchase a product/service but do not wish to receive any additional marketing material from us, you can indicate your preference on our order form.

If you no longer wish to receive our newsletter and promotional communications, you may opt-out of receiving them by following the instructions included in each newsletter or communication or by emailing us.

You will be notified when your personal information is collected by any third party that is not our agent/service provider, so you can make an informed choice as to whether or not to share your information with that party.

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