We no longer offer private student loans. Please contact your school’s financial aid office for information on private student loans.

If you’re the student borrower on a loan serviced by Chase, call us at 1-800-489-5005, Monday-Friday, 8:30 AM-8:30 PM ET, and a representative will help you log in to see your student loans. Cosigners don’t currently have access to see student loans online.

For your student loans serviced by Chase:

• If you’re the student borrower, you can see loan details for your student loans by logging in to your account anytime at chase.com/StudentLoan or reviewing your monthly statement.
  
• If you’re the cosigner, you can review your monthly statement for loan details or call us at 1-800-489-5005, Monday-Friday, 8:30 AM-8:30 PM ET.

For student loans not serviced by Chase, please contact your loan servicer.

For your student loans serviced by Chase:

• If you’re the student borrower, you can find out when your first payment is currently due by logging in to your account at chase.com/StudentLoan and clicking "See account details" under your student loan, or by calling us at 1-800-489-5005, Monday-Friday, 8:30 AM-8:30 PM ET.
• If you’re the cosigner, you can call us at 1-800-489-5005, Monday-Friday, 8:30 AM-8:30 PM ET.

The student borrower and the cosigner, if there is one, will receive a billing statement in the mail at least 15 days before the loan’s first payment due date.

For student loans not serviced by Chase, please contact your loan servicer.

We mail statements each month to both the student borrower and the cosigner to the billing addresses we have on file. We’ll send each monthly statement at least 15 days before the payment due date.

For your student loans serviced by Chase:

• If you’re the student borrower, you can find your current interest rate by logging in to your account at chase.com/StudentLoan or checking your monthly statement.
• If you’re the cosigner, you can find your current interest rate on your monthly statement or by calling us at 1-800-489-5005, Monday-Friday, 8:30 AM-8:30 PM ET.

For student loans not serviced by Chase, please contact your loan servicer.

For your private student loans serviced by Chase, you’ll accrue interest daily.

Simple interest is a method of calculating interest due on a loan. Interest is charged daily, based on the loan’s outstanding principal balance. This means that the amount of interest owed may vary, depending on when payments are made during the month. The earlier payments are made before their due date, the less interest will be owed. On the other hand, the later payments are made after the due date, the more interest will be owed.

“Capitalized” interest is interest that is added to the outstanding principal balance. It is the interest that accrues on the loan during periods of deferment or forbearance and is added to the loan’s principal balance at repayment. Capitalization takes place at the end of the deferment or forbearance period, when the interest that accumulated during that time is added to the loan’s principal balance and interest begins to accrue on the new, higher principal amount.

Please consult your tax advisor about deducting interest. However, each year, we’ll report the interest you’ve paid on your private loan(s) by mailing you a 1098-E form.

We’re sorry, but we do not offer a private consolidation loan product.

Yes. If you send us a written request by fax or email, we can share your student loan information over the phone with the person(s) you authorize to have that information. This will allow that person to receive your loan information at anytime until you cancel the authorization. Please call us at 1-800-489-5005, Monday-Friday, 8:30 AM-8:30 PM ET for specific requirements.

If you’re eligible for benefits under the Servicemembers Civil Relief Act (SCRA), other applicable laws or Chase policy, we will cap the interest rate on your loan to match your active dute dates:

• For any active duty period through March 31, 2013, the interest rate on your student loan will be capped at 6.00%.
  
• For any active duty period from April 1, 2013 on, the interest rate on your student loan will be capped at 4.00%.

While the SCRA requires an interest rate of no greater than 6.00%, effective April 1, 2013, Chase will cap your interest rate at 4.00% as an additional benefit for our SCRA-protected servicemember customers. Additionally, late fees will be waived during active duty periods. If your loan(s) has a variable interest rate, the rate will be adjusted downward if the rate should fall below the cap.

If eligible, you can also choose to defer payments on your Chase private student loan while you’re on active duty. When your active military duty ends, we’ll extend your SCRA benefits for an additional period before adjusting your loan(s) back to the original terms, and the interest rate and monthly payment amount at that time will be disclosed on your monthly billing statements.

If you would like to request SCRA benefits, please call one of our dedicated SCRA agents anytime at 1-877-469-0110, so we can determine your eligibility as soon as possible.

For student loans not serviced by Chase, please contact your loan servicer to determine your eligibility.

For student loans serviced by Chase, student loan cosigners do not have access to account information online. If your cosigner has any questions, he or she should call 1-800-489-5005, Monday-Friday, 8:30 AM-8:30 PM ET.

For your student loans serviced by Chase:

• If you're the student borrower, you can update any of your information for your student loans by logging in to your account at chase.com/StudentLoan.
• If your graduation date has changed, please call us immediately at 1-800-489-5005.
• Cosigners can update their information by calling us at 1-800-489-5005, Monday-Friday, 8:30 AM-8:30 PM ET.

For student loans not serviced by Chase, please contact you loan servicer.

For your student loans serviced by Chase, you must send a written request for the name change with one of these appropriate documents: marriage certificate, divorce decree (please send only the name change page), or legal name change certificate.

Mail your request, including the appropriate document, to:
Chase Student Loans
IN1-0103
P.O. Box 7013
Indianapolis, IN 46207

For your student loans serviced by Chase:

• If you're the student borrower, you can enroll for paperless statements by logging in to your account online at chase.com/StudentLoan.
• If you’re the cosigner, we don’t currently offer paperless statements for cosigners.

For student loans not serviced by Chase, please contact your loan servicer.

For your student loans serviced by Chase, the student borrower can request to remove a cosigner from the student loan by calling us at 1-800-489-5005, Monday-Friday, 8:30 AM-8:30 PM ET. In order to be eligible for cosigner release, a minimum number of consecutive, on-time principal and interest payments must be made and the student borrower must meet Chase's credit criteria and other established cosigner release eligibility requirements to establish the student borrower’s ability to repay the loan on his or her own. The student borrower becomes solely responsible for repaying the loan if the cosigner is released.

For student loans not serviced by Chase, please contact your loan servicer.

For your student loans serviced by Chase:

• Online: If you are the student borrower, you can log in to your account at chase.com/StudentLoan to make a payment online. If we receive your payment by 4 PM ET on a business day, it will be applied the same day.
• By phone: For both student borrowers and cosigners, you can make a payment by calling us at 1-800-489-5005, Monday-Friday, 8:30 AM-8:30 PM ET. If we receive your payment by 4 PM ET on a business day, it will be applied the same day.
• By mail:
  Chase Student Loans
  P.O. Box 78044
  Phoenix, AZ 85062-8044

For student loans not serviced by Chase, please contact your loan servicer for online payment options.

If your student loan is serviced by Chase, you can cancel or change a pending one-time payment that has not yet been processed by calling us at 1-800-489-5005, Monday-Friday, 8:30 AM-8:30 PM ET. You also can cancel a repeating payment online.

For student loans not serviced by Chase, please contact your loan servicer.

No. While you can make a payment on a date other than your due date, you can’t change your payment due date. Payments should always be made on or before your due date.

For your student loans serviced by Chase, once the loan is funded, you can request to change your repayment option by calling us at 1-800-489-5005, Monday-Friday, 8:30 AM-8:30 PM ET.

The grace period is the amount of time between when you leave school and when you’ll start to repay your Chase private student loan. You aren’t required to make payments on your student loans during the grace period.

If you’ve entered your grace period on your student loan serviced by Chase, you may be eligible for an extension of your grace period. Call us at 1-800-489-5005, Monday-Friday, 8:30 AM-8:30 PM ET, for more information or to see if you are eligible.

If  your student loans serviced by Chase:

• If you’re the student borrower, you can set up an automatic debit by logging in to your account at chase.com/StudentLoan and clicking "Make a payment" under your student loan.
• If you’re the student borrower or the cosigner, you can set up an automatic debit by calling us at 1-800-489-5005, Monday-Friday, 8:30 AM-8:30 PM ET, to ask us to mail you the automatic debit enrollment form.

By enrolling in Chase’s Automatic Debit Program, you’ll know your Chase student loan is paid promptly and you’ll be eligible for a 0.25% interest rate reduction.*

To set up the automatic debit for your student loans serviced by Chase:

• If you’re the student borrower, log in to your account at chase.com/StudentLoan and click “Make a payment” under your student loan.
• If you’re the student borrower or the cosigner, you can call us at 1-800-489-5005, Monday-Friday, 8:30 AM-8:30 PM ET and, ask us to mail you the automatic debit enrollment form.

For student loans not serviced by Chase, please contact your loan servicer.

For your student loans serviced by Chase, it may take us up to 10 days to set up your automatic debit. Please continue to make all payments as they become due until we send you confirmation that we’ve set up automatic debit payments for your account. Once we set up your account, we’ll automatically deduct your student loan payments from your checking or savings account.

If you have multiple private student loans serviced by Chase and make a monthly payment that’s more than the amount due, we’ll apply the overage amount to the loan with the highest interest rate (unless you specify otherwise).

If you have multiple private student loans serviced by Chase, your account is current and you make a payment that is less than the amount due, we’ll apply your payment in a way that results in the fewest number of loans becoming delinquent (unless you specify otherwise).

Your credit report may reflect the details for any missed or late payments. Failure to make your student loan payments on or before the due date may result in a lower your credit score.

If you’re having trouble making payments on your student loan serviced by Chase, please call us at 1-800-489-5005, Monday-Friday, 8:30 AM-8:30 PM ET.

For student loans not serviced by Chase, please contact your loan servicer.

A deferment allows you to temporarily suspend payments. However, interest continues to accrue on your student loans during periods of deferment. Unpaid interest that accrues during the deferment period will be added to the principal balance of the loan at the end of the deferment period. The student borrower and cosigner, if there is one, are equally responsible for the interest that accrues during the deferment period.

The most typical form of deferment is where you choose to postpone making payments while enrolled in school. There are also other forms of deferment for other situations, such as military deferment for active military duty.

If you send in a payment while your student loan serviced by Chase is in deferment status, it will first be applied to the accrued interest and then, if all accrued interest is satisfied, to the principal, unless you specifically instruct us to apply it otherwise.

For student loans serviced by Chase, if you’re a student graduate loan borrower who begins a medical residency or internship during the deferment period, then subject to your written request and to our approval, we may extend the deferment end date in accordance with your promissory note. If you’d like to discuss or apply for a medical residency or internship deferment extension, please call us at 1-800-489-5005, Monday-Friday, 8:30 AM-8:30 PM ET.

To cancel your in-school deferment and start repaying your student loans, please call us at 1-800-489-5005, Monday-Friday, 8:30 AM-8:30 PM ET.

For student loans not serviced by Chase, please contact your loan servicer.

Forbearance allows borrowers to temporarily postpone their payments as a result of a temporary, short-term hardship.

If eligible, hardship forbearance is available for a maximum of 12 months over the life of the loan, in increments of one or two months. You can request hardship forbearance if you are experiencing extenuating circumstances that temporarily prevent you from making payments.

The borrower and cosigner, if there is one, are equally responsible for interest that accrues during the forbearance period. We’ll add any unpaid interest that accrues during that time to the principal balance of the loan at the end of the forbearance period. The forbearance will extend the loan term by the number of forbearance months.

In addition to establishing the presence of a temporary hardship, you must meet certain eligibility criteria to qualify for hardship forbearance, including:

• The loan cannot be 90 or more days past due at the time of the hardship forbearance request.
• Nine regular monthly payments must have been made on the loan.
• Twelve payments must have been made on the loan since the end of any prior hardship forbearance.
• The lifetime maximum of 12 hardship forbearance months cannot have already been exhausted.
• The borrower and/or cosigner, if there is one, cannot be in an active bankruptcy status.
  

For your student loan serviced by Chase, please call us at 1-800-489-5005, Monday-Friday, 8:30 AM-8:30 PM ET, to discuss your forbearance options.

For student loans not serviced by Chase, please contact your loan servicer.

For your student loans serviced by Chase, a cosigner may be released from the remaining loan obligation if the student borrower dies. Chase’s policy is to release the cosigner from the obligation to repay the loan(s) of the student borrower in these circumstances, upon receipt of appropriate documentation—typically a certified copy of the death certificate.

Send your request by fax to 1-888-471-4807.

Or mail it to:
          Chase Student Loans
          IN1-0103
          P.O. Box 7013
          Indianapolis, IN 46207

For your student loans serviced by Chase:

• If you’re the student borrower, you can view your previous statements by logging in to your account at chase.com/StudentLoan or by calling us at 1-800-489-5005, Monday-Friday, 8:30 AM-8:30 PM ET, to request a copy of your statement.
• If you’re a cosigner, you don’t currently have access to view student loan statements online. You may request a copy of a previous statement by calling us at 1-800-489-5005, Monday-Friday, 8:30 AM-8:30 PM ET.

For your student loans serviced by Chase, you can request a copy of your promissory note by calling us at 1-800-489-5005, Monday-Friday, 8:30 AM-8:30 PM ET.

For student loans not serviced by Chase, please contact your loan servicer.

For your student loans serviced by Chase, you can request a letter for your mortgage company by calling us at 1-800-489-5005, Monday-Friday, 8:30 AM-8:30 PM ET.

For student loans not serviced by Chase, please contact your loan servicer.

For your student loans serviced by Chase, you can request your 1098-E tax form by calling us at 1-800-489-5005, Monday-Friday, 8:30 AM-8:30 PM ET.

For student loans not serviced by Chase, please contact your loan servicer.

To find out how many payments are left on your loan, you can call us at 1-800-489-5005, Monday-Friday, 8:30 AM-8:30 PM ET.

For your student loans serviced by Chase, please call us at 1-800-489-5005, Monday-Friday, 8:30 AM-8:30 PM ET for an accurate payoff balance. Payoff balances are not available online. You can pay off your loan by phone or by mail.

Mail your payoff to:                        Send overnight mail to:
Chase Student Loans                     Chase Student Loans
PO Box 901005                            14800 Frye Road
Fort Worth, TX 76101-2005           TX1-1300
                                                  Fort Worth, TX 76155

For student loans not serviced by Chase, please contact your loan servicer.

No, there are no fees or penalties if you decide to pay off your student loan early. In fact, prepayment could significantly reduce the total amount you would pay over the life of your loan.