Undergraduate student loans

Cover the cost of your education with a Wells Fargo private student loan

Students make no payments while in school*

Apply for a private student loan

Wells Fargo private student loans may be able to help you pay for your education (less other financial aid), including all eligible education-related expenses, such as tuition, housing, books, a laptop, lab fees, and more.,

Other benefits include:

  • Students make no payments until 6 months after leaving school.*
  • No application, origination, or early repayment fees.
  • Competitive fixed or variable interest rate options.
  • Reduce your loan cost with our interest rate discounts.

Applying with a cosigner may improve your chance of getting approved and could help you qualify for a lower interest rate.

Learn more about undergraduate student loans for traditional colleges and universities or career and community colleges.

Apply for a private student loan

Or call our toll-free number: 1-888-511-8086.

Our Student Loan Consultants are here to help you through the student loan application process, so get started today.

When it comes to financing your education, be sure to look at all of your options — including grants, scholarships, and loans from all sources — and make careful comparisons among all your choices. If you determine that a private student loan is right for you, Wells Fargo provides loans to help meet the needs of nearly every student.

* For Wells Fargo Collegiate® loans and Wells Fargo Student Loans for Career and Community Colleges, students are not required to make payments while in school; repayment begins 6 months after you graduate or leave school. The maximum in-school period is:

  • Four years after the date of first disbursement, if the student attended a 2-year school, or 
  • Seven years after the date of first disbursement if the student attended a 4-year school.

Interest continues to accrue during any deferment periods and is capitalized to the loan upon entering repayment.

Graduate student loans

Cover the cost of your education with a Wells Fargo private student loan

Students make no payments while in school*

Apply for a private student loan

A Wells Fargo GraduateSM loan may be able to help you cover the cost of your education (less other financial aid), including eligible education-related expenses, such as tuition, housing, books, a laptop, lab fees, and more.,

Other benefits include:

  • Students make no payments until 6 months after leaving school.*
  • No application, origination, or early repayment fees.
  • Competitive fixed or variable interest rate options.
  • Reduce your loan cost with our interest rate discounts.

Most graduate students may qualify without a cosigner. However, having a cosigner may potentially help you get a lower interest rate — a cosigner is not required in order to apply.

Learn more about Wells Fargo graduate student loan options.

Apply for a private student loan

Or call our toll-free number: 1-888-511-8086.

Our Student Loan Consultants are here to help you through the student loan application process, so get started today.

When it comes to financing your education, be sure to look at all of your options — including grants, scholarships, and loans from all sources — and make careful comparisons among all your choices. If you determine that a private student loan is right for you, Wells Fargo provides loans to help meet the needs of nearly every student.

* For Wells Fargo graduate student loans, students are not required to make payments while in school; repayment begins 6 months after you graduate or leave school. The maximum in-school period is 5 years after the date of first disbursement. Interest accrues during any deferment periods, including the in-school period, and is capitalized to the loan upon entering repayment.

Medical school loans

Cover the cost of your education with a Wells Fargo private student loan

Students make no payments while in school*

Apply for a private student loan

A Wells Fargo MedCAP® student loan may be able to help you pay for your medical school expenses (less other financial aid), including eligible medical school-related expenses, such as tuition, housing, books, a laptop, lab fees, and more.,

Other benefits include:

  • Students make no payments until 6 months after leaving school.*
  • No application, origination, or early repayment fees.
  • Competitive fixed or variable interest rate options.
  • Reduce your loan cost with our interest rate discounts.

Most medical students may qualify without a cosigner. However, having a cosigner may potentially help you get a lower interest rate — a cosigner is not required in order to apply.

Learn more about Wells Fargo education loans for medical school students.

Apply for a private student loan

Or call our toll-free number: 1-888-511-8086.

Our Student Loan Consultants are here to help you through the student loan application process, so get started today.

When it comes to financing your education, be sure to look at all of your options — including grants, scholarships, and loans from all sources — and make careful comparisons among all your choices. If you determine that a private student loan is right for you, Wells Fargo provides loans to help meet the needs of nearly every student.

* For the MedCAP® and MedCAP-XTRA® loans, students begin repayment 6 months after leaving school, or 5 to 7 years after the first disbursement date, depending on discipline, whichever comes first. Allopathic and osteopathic medical students have a grace period of 36 months designed for residency completion after graduation. Interest accrues during any deferment periods, including the in-school period, and is capitalized to the loan upon entering repayment.

Student loans for parents

Make college a reality for a student in your life

Help someone you know pay for college with a Wells Fargo private student loan

Apply for a parent loan

Do you want to help a student pay for college? Wells Fargo provides a private student loan option for parents, relatives, or friends. Find out how a
Wells Fargo Student Loan for Parents may be able to provide you with benefits such as:

  • Increased control with loan funds sent directly to you.
  • Competitive fixed or variable interest rate options.
  • Reduced loan cost with our interest rate discounts.
  • Options of immediate repayment or interest-only payments for up to 48 months.*
  • Interest that may be tax deductible (consult your tax advisor).

Learn more about Wells Fargo Student Loans for Parents.

Apply for a parent loan

Or call our toll-free number: 1-888-511-8086.

Our Student Loan Consultants are here to help you through the student loan application process, so get started today.


* Wells Fargo Student Loan for Parents borrowers are required to make full payments as soon as the loan is disbursed. However, you can also choose to make interest-only payments while the student beneficiary is enrolled in school. The interest-only payment feature allows you to make minimum interest payments during only the first 48 months of the repayment period as long as the student beneficiary is enrolled in school at least half time at the time of your request. Interest-only periods do not need to be consecutive. During the interest-only period, Wells Fargo may ask for verification that the student is still enrolled at least half-time. After each interest-only period, full principal-and-interest payments will resume, which could possibly increase the amount of your monthly payment substantially, even if you have a fixed interest rate. Consider making more than the minimum payment during the interest-only period to begin reducing the principal balance.

Consolidate your private student loans

One private student loan. One monthly payment.

Simplify with a Wells Fargo Private ConsolidationSM loan

Apply for a consolidation loan

Do you want to simplify your student loan payments? With a Wells Fargo Private ConsolidationSM loan, you may be able to combine multiple private student loans into one loan with a single payment or refinance a single private student loan.

Other benefits include:

  • Potentially lower monthly payment.*
  • Competitive fixed or variable interest rate options.
  • No application, origination, or early repayment fees.
  • Interest rate discounts to reduce your loan cost.

*The payment reduction may come from a lower interest rate, a longer loan term, or a combination of both. By extending the loan term, you may pay more in interest over the life of the loan.

Learn more about consolidating or refinancing a private student loan or watch our consolidation loan video.

Apply for a consolidation loan

Or call our toll-free number: 1-888-511-8086.

Our Student Loan Consultants are here to help you through the process and determine if you may be able to simplify or lower your monthly payment.