Our eligibility criteria requires that the borrower who we are underwriting to is a US Citizen or US Permanent Resident.
- If a student does not have this citizenship status, they may apply with a co-borrower who is a US Citizen/Permanent resident
- If the student adds a co-borrower, then the Climb Eligibility Criteria will apply to them, including:
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At least 4 years of credit history
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No bankruptcies within the last 5 years
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No accounts in collections or delinquencies
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Good debt-to-income ratio
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For more information about loan qualifications, you can review or direct the student to our Learner Help Center!