Privacy Policy

We collect the following categories of information.

Information you give us

• Contact details such as name, email address, phone number, and mailing location.
• School and program details such as institution name, program of study, enrollment status, and cost of attendance.
• Financial details you choose to enter, such as aid amounts, requested loan amount, income, and employment.
• Information submitted by school partners through partnership inquiry and intake forms.
• Messages, attachments, and other content you send to our team.

Information collected automatically

• Device and browser type, operating system, and approximate location derived from IP address.
• Pages viewed, links clicked, time on page, and referring site.
• Campaign parameters such as utm_source, so we can understand which channels bring people to the site.

Information from other sources

• Consumer reporting agencies and identity or fraud verification services, where you have authorized a credit review as part of an application.
• Schools and financial aid offices, where a school certifies enrollment or cost of attendance.
• Service providers that support our site, forms, email, and analytics.

Calculator inputs on this site are used to produce your estimate in the browser. If you ask us to email results or submit an inquiry, the values you provided are transmitted with that request.

• Respond to inquiries and provide customer support.
• Evaluate eligibility, verify identity, and underwrite, originate, and service loan requests.
• Operate and improve the site, our calculators, and our products.
• Communicate with you about your request, your application status, and relevant program information.
• Evaluate and manage relationships with school partners.
• Detect, prevent, and investigate fraud, abuse, and security incidents.
• Comply with legal, regulatory, licensing, and recordkeeping obligations, including the Truth in Lending Act and Regulation Z, the Equal Credit Opportunity Act, and the Fair Credit Reporting Act.

We may share personal information with:

• Affiliates and originating entities involved in offering, underwriting, funding, or servicing a loan, including American Originations LLC, which does business as LoanAmerica®.
• Service providers that host our site, store data, send email, verify identity, and provide analytics, bound by contract to use the information only for the services they perform for us.
• Consumer reporting agencies and verification partners in connection with an application you submit.
• Your school, where you ask us to work with the financial aid office or where certification of enrollment is required.
• Regulators, law enforcement, and other parties when required by law, subpoena, or legal process, or to protect rights, safety, and property.
• A successor entity in connection with a merger, acquisition, financing, or sale of assets, subject to this policy.

We do not authorize our service providers to use your information for their own marketing purposes.

We use cookies and similar technologies to keep the site working, remember preferences, measure traffic, and understand which pages are useful. Analytics providers may set their own cookies and receive usage data such as pages viewed and approximate location.

Most browsers let you block or delete cookies in their settings. Blocking cookies may affect how parts of the site function. We honor Global Privacy Control signals where required by applicable law.

We use administrative, technical, and physical safeguards designed to protect personal information, including encryption in transit and at rest, role based access controls, and restricted access to systems that hold applicant data. No method of transmission or storage is completely secure, so we cannot guarantee absolute security.

If you believe your information has been compromised, contact us at [email protected].

We keep personal information for as long as needed to provide the services you request, to operate our business, and to meet legal, tax, audit, and lending recordkeeping requirements. Records tied to a credit application or an originated loan are generally retained for the period required by applicable federal and state law. When information is no longer needed we delete it or de identify it.

Depending on where you live, you may have the right to:

• Request access to the personal information we hold about you.
• Request correction of inaccurate information.
• Request deletion of information, subject to legal exceptions.
• Request a portable copy of information you provided.
• Opt out of certain uses of your information.
• Be free from discrimination for exercising a privacy right.

You can submit a request through our data request form or by emailing [email protected]. We will verify your identity before acting on a request and will respond within the time frame required by applicable law. An authorized agent may submit a request on your behalf with proof of authorization.

To stop marketing email, use the unsubscribe link in any message or email us. We may still send messages about an active inquiry, application, or loan.

Residents of California, Colorado, Connecticut, Virginia, Utah, Texas, and other states with comprehensive privacy laws may exercise the rights described above through the same channels. California residents may also request information about the categories of personal information collected, disclosed, and the purposes for those disclosures.

Financial information collected in connection with a loan application is also governed by the Gramm Leach Bliley Act, and certain state privacy rights do not apply to information covered by that law.

This site is intended for adults. We do not knowingly collect personal information from anyone under 13. If you believe a child has provided information to us, email [email protected] and we will delete it.

Our site links to third party resources, including studentaid.gov and scheduling tools. We do not control those sites and are not responsible for their privacy practices. Review the privacy policy of any site you visit.

We may update this policy as our products, technology, or legal obligations change. The date at the top of this page shows when it was last revised. Material changes will be highlighted on this page.

Questions about this policy or about how your information is handled can go to [email protected]. Our team is available Monday through Friday, 9am to 5pm PT. You can also reach us through the contact page.