Student Loans

Education is an important path for many people, which is why we offer three types of students loans to help with high tuition rates. We offer both Private Student Loans and Student Loan Refinancing through our partner LendKey. We also offer a loan consolidation program for those that have completed a doctoral degree.

Private Student Loans

Private student loans are credit-based loans for college that are used to pay for qualified educational expenses including tuition, room and board, books and other school related expenses. A private student loan serves as a way for students to fill the funding gap between the cost of attending school and the amount of federal loans, grants and scholarships available to them.

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Student Loan Refinancing

The average student graduates college with more than $30,000 dollars in student loans. Those that go on to graduate school will graduate with even more debt, many times in the six figures for professional degrees. While there is no way to eliminate student loan debt without paying it off, there are some tactics to reduce the overall cost of the principal and interest combined. One way is with a student loan refinance.

Refinance Your Student Loan

Professional Student Loan Consolidation Program

Doctoral Degree Required

Consolidate your student loans to one low payment. Whether you are just finishing up your residency in Medical or Dental School, or a Lawyer a few years into your career looking to make one low monthly payment toward your student loans, HAPO now offers a simple, fixed-end loan to help you consolidate your student loans. You've worked hard for your degree. Let us handle the rest.

  • Low Rates Starting at 5.99% APR
  • Terms between 60 – 180 Months
  • Consolidate both private and federal loans into one simple payment
  • Up to $100K
  • No Joining Fee
  • No Origination Fee
  • No Pre-Payment Fee

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Why consolidate and refinance?

By consolidating your loans into one low monthly payment, you may accrue less interest, while at the same time simplifying your payments.