Welcome to the Plus Loans page for
Baptist College of Health Sciences

• Default Fee: 0%
• Free student checking
• Apply online and e-sign
• Fixed interest rate for the life of your loan
• One lender, one monthly payment
• Flexible repayment schedules and payments
• Additional forbearance time
• Effective 1/1/08 borrowers must be MS residents

Effective for loans with a guarantee date on or after June 1, 2008:

• 3% Origination Fee
• 0.25% interest rate reduction for borrowers in repayment who have enrolled in and make payments through an auto-debit/ACH repayment program.

Effective for loans guaranteed on or after May 15, 2008:

• 0.25% interest rate reduction for auto-debit with continuous on-time payments
• Instant credit decision and easy application process online and by phone
• Parents may postpone payment while student is enrolled at least half time
• No pre-payment penalties
• One point of contact for life-of-loan servicing
• Non-profit funded company
• 20 years of experience concentrating solely on student loans

• Flexible repayment options
• Full payment deferral for up to four years while your student is in school
• No income or collateral requirements
• Life-of-loan servicing through Edfinancial Services

0.25% interest rate reduction for borrowers who make payments using our auto-debit process.

• 0.25 percentage point interest rate reduction for automatic debit.
• Immediate pre-approval status when you apply online.
• Flexible Repayment Options

Effective for loans disbursed on or after June 9, 2008:

• 0.25% interest rate reduction for borrowers who sign up for ACH
• Easy online application process and e-signature option
• Fixed Interest Rate - 8.25%
• Option to defer payments while in-school
• 24/7 Online account access
• No pre-payment penalties
• Flexible repayment options

Effective for all loans disbursed on or after July, 1 2008:

• 0.25% interest rate reduction for ACH
• Instant credit decisions and credit review when applicable
• No pre-payment penalties 
• Parents can postpone repayment until six months after student leaves school 
  (student must be enrolled at least half time)
  

• 0% Default/Guarantor fee
• 8.25% fixed interest rate (.25% immediate discount off 8.5% regulatory rate)
• 0.25% Auto Debit Reward