We know first hand what it’s like to struggle to afford higher education, so we provide financial products to allow students to continue investing in themselves and pursuing higher education, free from financial constraints.

We do not rely on the income of your parents to make a decision, and we offer flexible repayment options based upon your income after graduation.

Check Out Our list of Eligible Schools

Some second semester sophomores are eligible if they have taken a full time load through to their current term. Our program was designed with upperclassmen in mind and we understand that may be frustrating for those otherwise ineligible.

A.M. Money offers loans to students who have excelled academically. We ask applicants to provide up-to-date information about their education and future employment. Right now, we can provide financing to students who have the following: - Juniors or Senior standing - Above-average GPA - Attend an eligible school (list of eligible Illinois-based schools, contact us for schools outside of Illinois) - US citizenship - Pell-eligible or near Pell-eligible

We defer to your school’s or program's definition for this.

Yes, we ask the school to verify satisfactory academic progress during school certification. The school applies their individual criteria for SAP. In other words, we don’t define SAP, but we do ask the school to confirm that the student is making SAP according to each school’s definition.

Right now we are only lending to US citizens and legal permanent residents. We are working on making our loans accessible to all students, regardless of citizenship.

We do not require nor do we accept cosigners at this time.

Our application process takes a little under 3 minutes (we've timed it) to complete, and final review takes about 24 hours after we have the documents we need.

During non peak times the process can take between 3-4 weeks for funding. Please be mindful that the mandatory school certification and mandatory cool off period can be up to 3 weeks altogether.

If you are looking for information regarding your A.M. Money loan application in process or pending disbursement(s), please contact us.

Yes, but the reapplication is really more of a check-in. We already have all of your information and just want to make sure you're on track.

We're hard at work building out our refi product now! Feel free to check out our refi page for more information and a contact form here

The minimum amount is $3,750 per year, and the maximum amount is up to your full cost of attendance, though we do cap all private loans at $50,000.

Email us and we'll take care of it.

We will only lend amounts based on your cost of attendance, and we also think that's a good rule to avoid taking out too much. Additionally, we know finances can be unstable over the year, so we offer loans per term, not per year.

We'll disburse your loan funds directly to the school.

Yes. Your repayment period starts 6 months after you graduate, so you get a 6-month cushion automatically before you have to begin making payments. We also offer income-based repayment to help you out.

Full principal and interest payments are automatically deferred as long as students remain enrolled at an accredited school at least half-time. After graduation, we offer an automatic 6 months of deferment, no questions asked. We understand that things might not always go as planned and we are here to help you with that.

You are not required to make a payment until 6 months after you graduate, but you are also able to make payments of any amount while you are in school to pay your loans off earlier.

It depends. We will work with you to find the optiminal way to pay back your loans to limit how much you end up paying.

Yes! We are the first private student lender to offer an income-based repayment option to our borrowers. If you cannot afford your standard monthly payment, you may be eligible to adjust your payment based on your income. Our Income Based Repayment Option is different from the federal plan (which is a good thing!) Here are some of the differences:

- Our loans are not “forgiven” after a certain number of years.

- The minimum monthly IBR payment is $50. Instead of accumulating interest, you’ll be making small progress towards paying off your debt and increasing your credit rating.

- We only offer one straightforward IBR plan. The federal government has several which all work slightly differently.

Annual IBR repayment amount is 15% of the difference between your Adjusted Gross Income and 150% of the Department of Health and Human Services poverty guideline for your family size and state. This amount is then divided by 12 to get the monthly IBR payment amount. Income-Based Repayment is based on the adjusted gross income during the prior tax year.

Our current rate is 7.95% fixed (8.34% to 8.87% APR). APR varies based on number of months to graduation at funding date, NOT your credit score!

We charge a 4.5% origination fee similar to the Federal PLUS loans. We do NOT charge any other prepayment, early payment, or extra payment fees.

Interest will begin to accrue as of the disbursement date on the principal amount of the loan and will continue to accrue on any outstanding balance. Interest will also accrue during periods of non-payment, including periods of authorized deferment. Interest is capitalized upon entering a repayment period status and at the end of any authorized deferment.

If you don't pay your full interest amount, that amount can be then transitioned into the total amount you owe to us and further interest will accrue on these amounts.

A.M. stands for Ante Meridiem, it's Latin for "before noon". We are based in the belief that taking care of your finances early in your day, and early in your life, is one of the keys to financial success. We focus on helping students who have a demonstrated financial need, who are traditionally excluded from financial opportunities. Getting you started on your finanacial journey early is our mission.

We take security and privacy as seriously as you do. In order to protect you and your data against fraud and theft, our secure system is tested by our team and third-party agencies regularly