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Affordable Student Loans

NC Assist provides low-cost, fixed-rate student loans for North Carolina residents and out-of-state students enrolled in a North Carolina college or university. And since they’re the only private student loan recommended by CFNC, you know it’s trustworthy.
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Our Loan Programs

At NC Assist, we offer NC Student Assist loans and NC Parent Assist loans to students attending NC schools, as well as NC residents attending out-of-state schools. Students must attend an eligible non-profit Title IV school in a degree-seeking program. 

Download these brochures to share this important state-sponsored resource with your students, or contact us to order printed copies.

Contact Us to Order Brochures

NC Student Assist Loan

Our student loans can make higher education a reality for those who otherwise may not be able to afford it.

NC Student Assist Loan Details

NC Parent Assist Loan

Parents or guardians who prefer to take on the responsibility of a loan for their student can consider the NC Parent Assist Loan.

NC Parent Assist Loan Details

Key Benefits

Our loan programs offer ample benefits for students and parents alike. 

No Fees.

Fixed Interest Rates: 6.70% for student loans; 6.00% for parent loans (available to qualified borrowers when in repayment using autodraft).

$120,000 Borrowing Limit for undergrad; $200,000 for graduate students.

Grace Period for NC Student Assist Loans.

10-year Repayment Period.

Free Financial Education Resources.

The Only Student Loan that is Part of the College Foundation of North Carolina (CFNC) Family of Services

NC Assist is part of the College Foundation of North Carolina family of trusted services and products that are created to help NC residents to succeed at college. As a non-profit lender, our focus will always be on helping students succeed in their educational goals.

Monthly $1,000 Scholarship Opportunity

NC Assist offers students the chance to apply monthly to win a $1,000 No Essay Scholarship to help fund their education. 

Share these flyers with your students to let them know about this easy opportunity!

Flyer 1
Flyer 2
Spanish Flyer

Free Financial Wellness Program for Your Students

NC Assist Loan borrowers have access to a robust, on-line library of financial education resources which provides information about money management, budgeting, and even transitioning from school to work.

All of your students, even those who are not NC Assist borrowers, are welcome to use the free financial wellness tools.

Share These Free Tools with Your Students

Compare Loan Programs

See how NC Assist loans compare to Federal Direct loan programs and other major private lenders in our comparison tables.

Start Comparing

Let's Work Together

Like you, NC Assist’s main focus is helping students afford and succeed at college. Your NC Assist non-profit servicer, College Foundation, Inc., has been working hand-in-hand with educators to prepare North Carolina residents to succeed at college since 1955. 

We consider Financial Aid teams to be valued partners in our work and would like to offer our team’s support to your students. From our call center of knowledgeable counselors to our online resources, we’re here to support you.

Get in Touch

The Application Process

Applying for an NC Student Assist or NC Parent Assist Loan only takes a few minutes. Once students and/or parents have completed the application, we’ll work with you to certify the loan. After the student accepts the loan offer and signs the agreement, we’ll send the funds directly to your school.

School Certification & Disbursement Methods

NC Assist requires your certification to confirm the borrower's eligibility for the loan amount.

We use a selection of fund disbursement platforms to support the loans we provide. These platforms include ELM, ScholarNet, and the custom NC Assist Student Loan Admin Portal for schools that don't use ELM or ScholarNet.

NC Assist Loan Eligibility

To be eligible for one of our loan programs, a student or parent must:

Be at least 17.

Be enrolled (or accepted for enrollment) at least halftime at an eligible non-profit Title IV institution in a degree-seeking program.

Be a U.S. citizen or eligible non-citizen.

Be a North Carolina resident or attending a North Carolina school.

Meet other federal student eligibility requirements as certified by the student’s school.

Including Satisfactory Academic Progress (SAP)

Be in good standing on any other CFI loan(s).


Financial aid advisors can download PDFs of NC Assist disclosures for parents and students.

Students Parents

School Eligibility

NC Assist eligible schools are public or private non-profit Title IV institutions, as designated under the Higher Education Act of 1965. 

Additional Resources

As part of its services to the State of North Carolina, CFNC offers comprehensive financial aid and professional development opportunities for Financial Aid Administrators across the North Carolina area. These opportunities can help you make informed decisions and provide students with professional financial aid counseling.

Learn More

Let's Talk

If you're a Financial Aid Administrator, contact NC Assist today for more information on how we can help you help your students afford college.

Contact NC Assist for More Information
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