{"id":241780,"date":"2024-02-07T19:43:32","date_gmt":"2024-02-07T19:43:32","guid":{"rendered":"https:\/\/chesla.org\/?page_id=241780"},"modified":"2025-05-08T09:56:15","modified_gmt":"2025-05-08T13:56:15","slug":"refi-ct","status":"publish","type":"page","link":"https:\/\/chesla.org\/pt\/refi-ct\/","title":{"rendered":"Refinanciar Empr\u00e9stimos"},"content":{"rendered":"<p>[et_pb_section fb_built=&#8221;1&#8243; custom_padding_last_edited=&#8221;on|desktop&#8221; _builder_version=&#8221;4.25.1&#8243; _module_preset=&#8221;default&#8221; use_background_color_gradient=&#8221;on&#8221; background_color_gradient_direction=&#8221;98deg&#8221; background_color_gradient_stops=&#8221;rgba(1,141,121,0.83) 0%|rgba(1,141,121,0.8) 100%&#8221; background_color_gradient_overlays_image=&#8221;on&#8221; background_image=&#8221;https:\/\/chesla.org\/wp-content\/uploads\/2024\/02\/confident-middle-aged-pretty-woman-freelancer-business-person-working-laptop-standing-outdoor-cafe-beautiful-autumnal-sunset-oak-grove-park-start-up-remote-business-concept-1.jpg&#8221; background_position=&#8221;top_center&#8221; background_vertical_offset=&#8221;24%&#8221; custom_padding=&#8221;6rem||2rem||false|false&#8221; custom_padding_tablet=&#8221;&#8221; custom_padding_phone=&#8221;3rem||1rem||false|false&#8221; background_last_edited=&#8221;on|phone&#8221; use_background_color_gradient_tablet=&#8221;on&#8221; use_background_color_gradient_phone=&#8221;on&#8221; background_color_gradient_direction_phone=&#8221;180deg&#8221; background_color_gradient_stops_tablet=&#8221;rgba(1,141,121,0.83) 0%|rgba(1,141,121,0.8) 100%&#8221; background_color_gradient_stops_phone=&#8221;rgba(1,141,121,0.83) 0%|rgba(1,141,121,0.8) 100%&#8221; background_image_phone=&#8221;https:\/\/chesla.org\/wp-content\/uploads\/2024\/02\/confident-middle-aged-pretty-woman-freelancer-business-person-working-laptop-standing-outdoor-cafe-beautiful-autumnal-sunset-oak-grove-park-start-up-remote-business-concept-1.jpg&#8221; background_enable_image_phone=&#8221;on&#8221; da_disable_devices=&#8221;off|off|off&#8221; global_colors_info=&#8221;{}&#8221; da_is_popup=&#8221;off&#8221; da_exit_intent=&#8221;off&#8221; da_has_close=&#8221;on&#8221; da_alt_close=&#8221;off&#8221; da_dark_close=&#8221;off&#8221; da_not_modal=&#8221;on&#8221; da_is_singular=&#8221;off&#8221; da_with_loader=&#8221;off&#8221; da_has_shadow=&#8221;on&#8221;][et_pb_row _builder_version=&#8221;4.23.1&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.23.1&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.23.1&#8243; _module_preset=&#8221;default&#8221; text_font_size=&#8221;17px&#8221; text_line_height=&#8221;1.6em&#8221; header_font=&#8221;||||||||&#8221; header_font_size=&#8221;42px&#8221; header_line_height=&#8221;1.2em&#8221; header_2_font_size=&#8221;48px&#8221; header_2_line_height=&#8221;1.2em&#8221; text_orientation=&#8221;center&#8221; background_layout=&#8221;dark&#8221; header_font_size_tablet=&#8221;42px&#8221; header_font_size_phone=&#8221;30px&#8221; header_font_size_last_edited=&#8221;on|phone&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h1>Refi CT<\/h1>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; _builder_version=&#8221;4.23.1&#8243; _module_preset=&#8221;default&#8221; background_color=&#8221;RGBA(255,255,255,0)&#8221; custom_padding=&#8221;0px||||false|false&#8221; da_disable_devices=&#8221;off|off|off&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221; da_is_popup=&#8221;off&#8221; da_exit_intent=&#8221;off&#8221; da_has_close=&#8221;on&#8221; da_alt_close=&#8221;off&#8221; da_dark_close=&#8221;off&#8221; da_not_modal=&#8221;on&#8221; da_is_singular=&#8221;off&#8221; da_with_loader=&#8221;off&#8221; da_has_shadow=&#8221;on&#8221;][et_pb_row column_structure=&#8221;1_3,2_3&#8243; use_custom_gutter=&#8221;on&#8221; make_equal=&#8221;on&#8221; custom_padding_last_edited=&#8221;on|phone&#8221; _builder_version=&#8221;4.25.0&#8243; _module_preset=&#8221;default&#8221; background_color=&#8221;#ffffff&#8221; custom_margin=&#8221;-50px||3rem||false|false&#8221; custom_padding=&#8221;2.5rem|6rem|3rem|6rem|false|true&#8221; custom_padding_tablet=&#8221;2.5rem|6rem|3rem|6rem|false|true&#8221; custom_padding_phone=&#8221;2.5rem|2rem|3rem|2rem|false|true&#8221; border_radii=&#8221;on|17px|17px|17px|17px&#8221; box_shadow_style=&#8221;preset1&#8243; box_shadow_blur=&#8221;51px&#8221; box_shadow_spread=&#8221;-23px&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;1_3&#8243; _builder_version=&#8221;4.23.1&#8243; _module_preset=&#8221;default&#8221; custom_padding=&#8221;||||false|false&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.25.0&#8243; _module_preset=&#8221;default&#8221; text_text_color=&#8221;#333333&#8243; text_font_size=&#8221;16px&#8221; text_line_height=&#8221;1.5em&#8221; header_3_font=&#8221;|700|||||||&#8221; header_3_text_color=&#8221;#0B4163&#8243; header_3_font_size=&#8221;24px&#8221; header_3_line_height=&#8221;1.3em&#8221; text_orientation=&#8221;center&#8221; min_height_tablet=&#8221;&#8221; min_height_phone=&#8221;&#8221; min_height_last_edited=&#8221;on|phone&#8221; custom_margin=&#8221;||0.5rem||false|false&#8221; custom_padding=&#8221;||0px||false|false&#8221; header_3_font_size_tablet=&#8221;29px&#8221; header_3_font_size_phone=&#8221;24px&#8221; header_3_font_size_last_edited=&#8221;on|phone&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h3><strong><span>Fixed Rate as low as<\/span><\/strong><\/h3>\n<p>[\/et_pb_text][et_pb_circle_counter number=&#8221;4.99&#8243; circle_color=&#8221;#0B4163&#8243; circle_color_alpha=&#8221;1&#8243; _builder_version=&#8221;4.25.0&#8243; _module_preset=&#8221;default&#8221; width=&#8221;55%&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_circle_counter][\/et_pb_column][et_pb_column type=&#8221;2_3&#8243; _builder_version=&#8221;4.23.1&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.25.0&#8243; _module_preset=&#8221;default&#8221; text_text_color=&#8221;#333333&#8243; text_font_size=&#8221;16px&#8221; text_line_height=&#8221;1.5em&#8221; header_3_font=&#8221;|700|||||||&#8221; header_3_text_color=&#8221;#0B4163&#8243; header_3_font_size=&#8221;29px&#8221; header_3_line_height=&#8221;1.3em&#8221; width_tablet=&#8221;&#8221; width_phone=&#8221;&#8221; width_last_edited=&#8221;on|tablet&#8221; module_alignment=&#8221;center&#8221; min_height_tablet=&#8221;113px&#8221; min_height_phone=&#8221;113px&#8221; min_height_last_edited=&#8221;on|phone&#8221; custom_margin=&#8221;||8px|||&#8221; header_3_font_size_tablet=&#8221;29px&#8221; header_3_font_size_phone=&#8221;24px&#8221; header_3_font_size_last_edited=&#8221;on|phone&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h3>Fixed Rate Details<\/h3>\n<p>&nbsp;<\/p>\n<ul>\n<li>Fixed rate as low as <strong>4.99%*<\/strong> with a co-signer, or <strong>5.25%*<\/strong> without a co-signer; APRs range from <strong>4.99% to 7.74%. Rates lowered as of 05\/08\/25.<\/strong><\/li>\n<li>*0.25% ACH interest rate reduction is available.<\/li>\n<li><strong>Applicant must be a CT resident; or a resident of Maine, Massachusetts, New Hampshire, New Jersey, New York, Rhode Island or Vermont refinancing a CHESLA loan.<\/strong><\/li>\n<li><strong>Co-signer must be a resident of Connecticut, Maine, Massachusetts, New Hampshire, New Jersey, New York, Rhode Island, or Vermont.<\/strong><\/li>\n<li><strong>Loans must be in repayment to refinance.<\/strong><\/li>\n<\/ul>\n<p>[\/et_pb_text][et_pb_button button_url=&#8221;#loan-program-details&#8221; button_text=&#8221;LEARN MORE&#8221; button_alignment=&#8221;left&#8221; _builder_version=&#8221;4.25.1&#8243; _module_preset=&#8221;default&#8221; custom_button=&#8221;on&#8221; button_text_size=&#8221;16px&#8221; button_bg_color=&#8221;#295876&#8243; button_border_color=&#8221;#295876&#8243; button_border_radius=&#8221;5px&#8221; button_font=&#8221;Source Sans Pro|700||on|||||&#8221; button_use_icon=&#8221;off&#8221; background_layout=&#8221;dark&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221; button_bg_color__hover_enabled=&#8221;on|hover&#8221; button_bg_color__hover=&#8221;rgba(41,88,118,0.95)&#8221; button_bg_enable_color__hover=&#8221;on&#8221; button_border_color__hover_enabled=&#8221;on|desktop&#8221; button_border_color__hover=&#8221;rgba(41,88,118,0.95)&#8221;][\/et_pb_button][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=&#8221;3_5,2_5&#8243; make_equal=&#8221;on&#8221; custom_padding_last_edited=&#8221;on|tablet&#8221; module_id=&#8221;loan-program-details&#8221; module_class=&#8221;custom_row&#8221; _builder_version=&#8221;4.25.0&#8243; _module_preset=&#8221;default&#8221; custom_padding=&#8221;61px|||||&#8221; custom_padding_tablet=&#8221;||0px||false|false&#8221; custom_padding_phone=&#8221;||0px||false|false&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;3_5&#8243; module_class=&#8221;second-on-mobile&#8221; _builder_version=&#8221;4.23.1&#8243; _module_preset=&#8221;default&#8221; custom_padding_tablet=&#8221;4vw||||false|false&#8221; custom_padding_phone=&#8221;4vw||||false|false&#8221; custom_padding_last_edited=&#8221;on|tablet&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.25.1&#8243; _module_preset=&#8221;default&#8221; text_text_color=&#8221;#333333&#8243; text_font_size=&#8221;16px&#8221; text_line_height=&#8221;1.6em&#8221; link_text_color=&#8221;#0B4163&#8243; header_2_font=&#8221;|600|||||||&#8221; header_2_font_size=&#8221;32px&#8221; header_2_line_height=&#8221;1.2em&#8221; max_width=&#8221;900px&#8221; module_alignment=&#8221;center&#8221; custom_margin=&#8221;||1rem||false|false&#8221; header_2_font_size_tablet=&#8221;34px&#8221; header_2_font_size_phone=&#8221;28px&#8221; header_2_font_size_last_edited=&#8221;on|tablet&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h2>Loan Program Details<\/h2>\n<ul>\n<li>Fixed rate as low as 4.99%* with a co-signer, or 5.25%* without a co-signer; APRs range from 4.99% to 7.74%<br \/>*0.25% ACH interest rate reduction is available.<br \/>**Loans must be eligible for refinancing.<\/li>\n<li>5 year, 10 year, and 15 year repayment term options<\/li>\n<li>Minimum loan amount of $5,000 up to a maximum loan amount of $125,000<\/li>\n<li>No application fee or origination fee, no prepayment fee<\/li>\n<li>No application deadline<\/li>\n<li>Approximate Disbursement of Refinance loan(s) will be 30 days after submitting application.<\/li>\n<\/ul>\n<p>If you would like a personalized refinance analysis before applying, please email Josh Hurlock at\u00a0<span style=\"text-decoration: underline;\"><a href=\"mailto:jhurlock@chesla.org\" target=\"_blank\" rel=\"noopener\">jhurlock@chesla.org<\/a><\/span><\/p>\n<p>[\/et_pb_text][et_pb_button button_url=&#8221;https:\/\/www.campusdoor.com\/CHESLA\/Refinance\/qualify.aspx&#8221; url_new_window=&#8221;on&#8221; button_text=&#8221;Apply Now&#8221; button_alignment=&#8221;left&#8221; _builder_version=&#8221;4.25.1&#8243; _module_preset=&#8221;default&#8221; custom_button=&#8221;on&#8221; button_bg_color=&#8221;#295876&#8243; button_border_color=&#8221;#295876&#8243; button_border_radius=&#8221;5px&#8221; button_font=&#8221;Source Sans Pro|700||on|||||&#8221; button_use_icon=&#8221;off&#8221; background_layout=&#8221;dark&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221; button_bg_color__hover_enabled=&#8221;on|hover&#8221; button_bg_color__hover=&#8221;rgba(41,88,118,0.95)&#8221; button_bg_enable_color__hover=&#8221;on&#8221; button_border_color__hover_enabled=&#8221;on|desktop&#8221; button_border_color__hover=&#8221;rgba(41,88,118,0.95)&#8221;][\/et_pb_button][et_pb_text _builder_version=&#8221;4.23.1&#8243; _module_preset=&#8221;default&#8221; text_font_size=&#8221;16px&#8221; text_line_height=&#8221;1.6em&#8221; header_2_font=&#8221;|600|||||||&#8221; header_2_font_size=&#8221;42px&#8221; header_2_line_height=&#8221;1.2em&#8221; max_width=&#8221;900px&#8221; module_alignment=&#8221;center&#8221; custom_padding=&#8221;1rem|1rem|1rem|1rem|true|true&#8221; header_2_font_size_tablet=&#8221;42px&#8221; header_2_font_size_phone=&#8221;30px&#8221; header_2_font_size_last_edited=&#8221;on|phone&#8221; border_radii=&#8221;on|3px|3px|3px|3px&#8221; border_width_all=&#8221;1px&#8221; border_color_all=&#8221;#cccccc&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p><strong>Clicking &#8216;Apply Now&#8217; will leave the CHESLA website and take you to Campus Door&#8217;s website to complete the loan application.<\/strong><\/p>\n<p>[\/et_pb_text][\/et_pb_column][et_pb_column type=&#8221;2_5&#8243; module_class=&#8221;first-on-mobile&#8221; _builder_version=&#8221;4.25.0&#8243; _module_preset=&#8221;default&#8221; background_image=&#8221;https:\/\/chesla.org\/wp-content\/uploads\/2024\/04\/Refi-loans.jpg&#8221; background_position=&#8221;center_left&#8221; background_horizontal_offset=&#8221;36%&#8221; custom_padding_tablet=&#8221;23vw||23vw||true|false&#8221; custom_padding_phone=&#8221;23vw||23vw||true|false&#8221; 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_module_preset=&#8221;default&#8221; text_text_color=&#8221;#333333&#8243; text_font_size=&#8221;16px&#8221; text_line_height=&#8221;1.6em&#8221; header_2_font=&#8221;|600|||||||&#8221; header_2_text_color=&#8221;#333333&#8243; header_2_font_size=&#8221;37px&#8221; header_2_line_height=&#8221;1.2em&#8221; background_layout=&#8221;dark&#8221; max_width=&#8221;700px&#8221; custom_margin=&#8221;2rem||2rem||false|false&#8221; header_2_font_size_tablet=&#8221;37px&#8221; header_2_font_size_phone=&#8221;28px&#8221; header_2_font_size_last_edited=&#8221;on|phone&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h2>Eligible Borrowers &amp; Co-Signers<\/h2>\n<ul>\n<li>Must be at least the age of majority or older at the time of application based on his\/her state of permanent residence.<\/li>\n<li>Must be a U.S. Citizen or U.S. Permanent Resident with a Form I-151, I-551 or I-551C (Permanent Resident Card, Resident Alien Card, or Alien Registration Receipt Card).<\/li>\n<li>You must reside in the U.S. at the time of the application.<\/li>\n<li><strong>Effective March 1, 2025: Borrower must be a CT resident or a resident of Maine, Massachusetts, New Hampshire, New Jersey, New York, Rhode Island or Vermont refinancing a CHESLA loan.<\/strong><\/li>\n<li><strong>Effective March 1, 2025: Co-signer must be a resident of Connecticut, Maine, Massachusetts, New Hampshire, New Jersey, New York, Rhode Island, or Vermont.<\/strong><\/li>\n<li>Must have monthly installment payments amounting to 43% or less of monthly gross income (Debt-to-Income ratio)<\/li>\n<li>Acceptable FICO scores, as determined via a TransUnion credit report<\/li>\n<\/ul>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; 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background_horizontal_offset=&#8221;100%&#8221; custom_padding_tablet=&#8221;22vw||22vw||true|false&#8221; custom_padding_phone=&#8221;22vw||22vw||true|false&#8221; custom_padding_last_edited=&#8221;on|tablet&#8221; border_radii=&#8221;on|20px|20px|20px|20px&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_divider show_divider=&#8221;off&#8221; _builder_version=&#8221;4.23.1&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_divider][\/et_pb_column][et_pb_column type=&#8221;1_2&#8243; _builder_version=&#8221;4.24.2&#8243; _module_preset=&#8221;default&#8221; custom_padding=&#8221;1vw||2vw||false|false&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.23.1&#8243; _module_preset=&#8221;default&#8221; text_text_color=&#8221;#ffffff&#8221; text_font_size=&#8221;16px&#8221; text_line_height=&#8221;1.6em&#8221; header_2_font=&#8221;|600|||||||&#8221; header_2_text_color=&#8221;#ffffff&#8221; header_2_font_size=&#8221;37px&#8221; header_2_line_height=&#8221;1.2em&#8221; max_width=&#8221;900px&#8221; module_alignment=&#8221;center&#8221; custom_margin=&#8221;||1rem||false|false&#8221; header_2_font_size_tablet=&#8221;42px&#8221; header_2_font_size_phone=&#8221;30px&#8221; header_2_font_size_last_edited=&#8221;on|phone&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h2>Eligible Loans<\/h2>\n<ul>\n<li>School-certified education loans made to finance attendance at a not-for-profit higher education institution within the United States of America are eligible for refinancing.<\/li>\n<li>Loans being refinanced must be in repayment status.<\/li>\n<li>Loans being refinanced must be in good standing.<\/li>\n<\/ul>\n<p>[\/et_pb_text][et_pb_divider color=&#8221;#ffffff&#8221; _builder_version=&#8221;4.23.1&#8243; _module_preset=&#8221;default&#8221; custom_margin=&#8221;||0rem||false|false&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_divider][et_pb_text _builder_version=&#8221;4.23.1&#8243; _module_preset=&#8221;default&#8221; text_text_color=&#8221;#ffffff&#8221; text_font_size=&#8221;16px&#8221; text_line_height=&#8221;1.6em&#8221; header_2_font=&#8221;|600|||||||&#8221; header_2_text_color=&#8221;#ffffff&#8221; header_2_font_size=&#8221;37px&#8221; header_2_line_height=&#8221;1.2em&#8221; max_width=&#8221;900px&#8221; module_alignment=&#8221;center&#8221; custom_margin=&#8221;||1rem||false|false&#8221; header_2_font_size_tablet=&#8221;42px&#8221; header_2_font_size_phone=&#8221;30px&#8221; header_2_font_size_last_edited=&#8221;on|phone&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<ul>\n<li>Any federal loan (including PLUS)<\/li>\n<li>CHESLA loans<\/li>\n<li>Any private loan<\/li>\n<li><strong>Note:<\/strong> A borrower may refinance a parent&#8217;s PLUS loan<\/li>\n<\/ul>\n<p>[\/et_pb_text][et_pb_button button_url=&#8221;https:\/\/www.campusdoor.com\/CHESLA\/StudentLoans\/productselection.aspx&#8221; url_new_window=&#8221;on&#8221; button_text=&#8221;Apply Now&#8221; _builder_version=&#8221;4.25.1&#8243; _module_preset=&#8221;default&#8221; custom_button=&#8221;on&#8221; button_text_color=&#8221;#0b4163&#8243; button_bg_color=&#8221;#ffffff&#8221; button_border_color=&#8221;#ffffff&#8221; button_border_radius=&#8221;5px&#8221; button_font=&#8221;Source Sans Pro|700||on|||||&#8221; button_use_icon=&#8221;off&#8221; background_layout=&#8221;dark&#8221; custom_margin=&#8221;||2rem||false|false&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221; button_bg_color__hover_enabled=&#8221;on|hover&#8221; button_bg_color__hover=&#8221;#ffffff&#8221; button_bg_enable_color__hover=&#8221;on&#8221; button_border_color__hover_enabled=&#8221;on|hover&#8221; button_border_color__hover=&#8221;#ffffff&#8221;][\/et_pb_button][et_pb_text _builder_version=&#8221;4.25.1&#8243; _module_preset=&#8221;default&#8221; text_text_color=&#8221;#ffffff&#8221; text_font_size=&#8221;16px&#8221; text_line_height=&#8221;1.6em&#8221; header_2_font=&#8221;|600|||||||&#8221; header_2_font_size=&#8221;42px&#8221; header_2_line_height=&#8221;1.2em&#8221; max_width=&#8221;900px&#8221; module_alignment=&#8221;center&#8221; custom_padding=&#8221;1rem|1rem|1rem|1rem|true|true&#8221; header_2_font_size_tablet=&#8221;42px&#8221; header_2_font_size_phone=&#8221;30px&#8221; header_2_font_size_last_edited=&#8221;on|phone&#8221; border_radii=&#8221;on|3px|3px|3px|3px&#8221; border_width_all=&#8221;1px&#8221; border_color_all=&#8221;#cccccc&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p><strong>Clicking &#8216;Apply Now&#8217; will leave the CHESLA website and take you to Campus Door&#8217;s website to complete the loan application.<\/strong><\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; _builder_version=&#8221;4.24.2&#8243; _module_preset=&#8221;default&#8221; background_color=&#8221;#f2f2f2&#8243; custom_padding=&#8221;8rem||37px||false|false&#8221; da_disable_devices=&#8221;off|off|off&#8221; global_colors_info=&#8221;{}&#8221; da_is_popup=&#8221;off&#8221; da_exit_intent=&#8221;off&#8221; da_has_close=&#8221;on&#8221; da_alt_close=&#8221;off&#8221; da_dark_close=&#8221;off&#8221; da_not_modal=&#8221;on&#8221; da_is_singular=&#8221;off&#8221; da_with_loader=&#8221;off&#8221; da_has_shadow=&#8221;on&#8221;][et_pb_row use_custom_gutter=&#8221;on&#8221; make_equal=&#8221;on&#8221; _builder_version=&#8221;4.24.2&#8243; _module_preset=&#8221;default&#8221; background_color=&#8221;#ffffff&#8221; width_tablet=&#8221;&#8221; width_phone=&#8221;90%&#8221; width_last_edited=&#8221;on|phone&#8221; custom_margin=&#8221;-45px|auto|1rem|auto|false|false&#8221; custom_padding=&#8221;2.5rem|2rem|2rem|2rem|false|true&#8221; border_radii=&#8221;on|17px|17px|17px|17px&#8221; box_shadow_style=&#8221;preset1&#8243; box_shadow_blur=&#8221;51px&#8221; box_shadow_spread=&#8221;-23px&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.23.1&#8243; _module_preset=&#8221;default&#8221; custom_padding=&#8221;||||false|false&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.27.0&#8243; _module_preset=&#8221;default&#8221; text_text_color=&#8221;#333333&#8243; text_font_size=&#8221;16px&#8221; text_line_height=&#8221;1.5em&#8221; header_3_font=&#8221;|700|||||||&#8221; header_3_text_color=&#8221;#0B4163&#8243; header_3_font_size=&#8221;29px&#8221; header_3_line_height=&#8221;1.3em&#8221; header_4_font_size=&#8221;19px&#8221; header_4_line_height=&#8221;1.3em&#8221; max_width_tablet=&#8221;&#8221; max_width_phone=&#8221;&#8221; max_width_last_edited=&#8221;on|phone&#8221; min_height_tablet=&#8221;113px&#8221; min_height_phone=&#8221;113px&#8221; min_height_last_edited=&#8221;on|phone&#8221; header_3_font_size_tablet=&#8221;29px&#8221; header_3_font_size_phone=&#8221;26px&#8221; header_3_font_size_last_edited=&#8221;on|phone&#8221; header_3_line_height_tablet=&#8221;1.3em&#8221; header_3_line_height_phone=&#8221;1.2em&#8221; header_3_line_height_last_edited=&#8221;on|phone&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h3>Notice About Refinancing Federal Student Loans:<\/h3>\n<p><span style=\"font-weight: 400;\"><strong>You will lose your current federal benefits and your right to any future benefits if you refinance your federal student loans with a private student loan. If you have a federal student loan, but do not know if you qualify for these benefits, you can check with your loan servicer to see what kind of loan you have.<\/strong><\/span><\/p>\n<p>&nbsp;<\/p>\n<p><b>Read <a href=\"https:\/\/chefa.sharepoint.com\/:b:\/s\/CHESLA-Website\/EUWs6PEegcBChwC9VInL3V4BRyPoK2tw6B1tKFFEZWfAGA?e=elTmgh\" target=\"_blank\" rel=\"noopener\">CHESLA Loan Privacy Notice<\/a><\/b><\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; custom_padding_last_edited=&#8221;on|phone&#8221; _builder_version=&#8221;4.23.1&#8243; _module_preset=&#8221;default&#8221; background_color=&#8221;#0B4163&#8243; custom_padding=&#8221;2rem||5rem||false|false&#8221; custom_padding_tablet=&#8221;2rem||5rem||false|false&#8221; custom_padding_phone=&#8221;1rem||3rem||false|false&#8221; da_disable_devices=&#8221;off|off|off&#8221; global_module=&#8221;241609&#8243; saved_tabs=&#8221;all&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221; da_is_popup=&#8221;off&#8221; da_exit_intent=&#8221;off&#8221; da_has_close=&#8221;on&#8221; da_alt_close=&#8221;off&#8221; da_dark_close=&#8221;off&#8221; da_not_modal=&#8221;on&#8221; da_is_singular=&#8221;off&#8221; da_with_loader=&#8221;off&#8221; da_has_shadow=&#8221;on&#8221;][et_pb_row custom_padding_last_edited=&#8221;on|desktop&#8221; _builder_version=&#8221;4.23.1&#8243; _module_preset=&#8221;default&#8221; custom_padding_tablet=&#8221;&#8221; custom_padding_phone=&#8221;&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.23.1&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.24.2&#8243; _module_preset=&#8221;default&#8221; text_font_size=&#8221;16px&#8221; text_line_height=&#8221;1.6em&#8221; header_2_font=&#8221;|600|||||||&#8221; header_2_font_size=&#8221;42px&#8221; header_2_line_height=&#8221;1.2em&#8221; header_3_font=&#8221;|600|||||||&#8221; header_3_font_size=&#8221;32px&#8221; header_3_line_height=&#8221;1.2em&#8221; text_orientation=&#8221;center&#8221; background_layout=&#8221;dark&#8221; max_width=&#8221;900px&#8221; module_alignment=&#8221;center&#8221; header_2_font_size_tablet=&#8221;42px&#8221; header_2_font_size_phone=&#8221;38px&#8221; header_2_font_size_last_edited=&#8221;on|phone&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h2>Our Impact<\/h2>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=&#8221;1_3,1_3,1_3&#8243; use_custom_gutter=&#8221;on&#8221; gutter_width=&#8221;2&#8243; make_equal=&#8221;on&#8221; _builder_version=&#8221;4.23.1&#8243; _module_preset=&#8221;default&#8221; max_width=&#8221;1280px&#8221; custom_padding=&#8221;1rem||1rem||false|false&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;1_3&#8243; _builder_version=&#8221;4.23.1&#8243; _module_preset=&#8221;default&#8221; background_color=&#8221;rgba(255,255,255,0.12)&#8221; custom_padding=&#8221;1rem|2rem|2rem|2rem|false|true&#8221; border_radii=&#8221;on|15px|15px|15px|15px&#8221; border_width_all=&#8221;2px&#8221; border_color_all=&#8221;#ffffff&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_number_counter title=&#8221;In-School Loans&#8221; number=&#8221;61,101&#8243; percent_sign=&#8221;off&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; title_font=&#8221;|600||on|||||&#8221; title_font_size=&#8221;21px&#8221; title_letter_spacing=&#8221;2px&#8221; number_text_color=&#8221;#ffffff&#8221; number_font_size=&#8221;50px&#8221; number_line_height=&#8221;90px&#8221; background_layout=&#8221;dark&#8221; title_font_size_tablet=&#8221;21px&#8221; title_font_size_phone=&#8221;17px&#8221; title_font_size_last_edited=&#8221;on|phone&#8221; number_font_size_tablet=&#8221;50px&#8221; number_font_size_phone=&#8221;42px&#8221; number_font_size_last_edited=&#8221;on|phone&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_number_counter][et_pb_number_counter title=&#8221;In-School Loan Volume&#8221; number=&#8221;613,626,831&#8243; percent_sign=&#8221;off&#8221; module_class=&#8221;dollar&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; title_font=&#8221;|600||on|||||&#8221; title_font_size=&#8221;21px&#8221; title_letter_spacing=&#8221;2px&#8221; number_text_color=&#8221;#ffffff&#8221; number_font_size=&#8221;50px&#8221; number_line_height=&#8221;90px&#8221; background_layout=&#8221;dark&#8221; title_font_size_tablet=&#8221;21px&#8221; title_font_size_phone=&#8221;17px&#8221; title_font_size_last_edited=&#8221;on|phone&#8221; number_font_size_tablet=&#8221;50px&#8221; number_font_size_phone=&#8221;42px&#8221; number_font_size_last_edited=&#8221;on|phone&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_number_counter][\/et_pb_column][et_pb_column type=&#8221;1_3&#8243; _builder_version=&#8221;4.23.1&#8243; _module_preset=&#8221;default&#8221; background_color=&#8221;rgba(255,255,255,0.12)&#8221; custom_padding=&#8221;1rem|2rem|2rem|2rem|false|true&#8221; border_radii=&#8221;on|15px|15px|15px|15px&#8221; border_width_all=&#8221;2px&#8221; border_color_all=&#8221;#ffffff&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_number_counter title=&#8221;Refinance Loans&#8221; number=&#8221;460&#8243; percent_sign=&#8221;off&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; title_font=&#8221;|600||on|||||&#8221; title_font_size=&#8221;21px&#8221; title_letter_spacing=&#8221;2px&#8221; number_text_color=&#8221;#ffffff&#8221; number_font_size=&#8221;50px&#8221; number_line_height=&#8221;90px&#8221; background_layout=&#8221;dark&#8221; title_font_size_tablet=&#8221;21px&#8221; title_font_size_phone=&#8221;17px&#8221; title_font_size_last_edited=&#8221;on|phone&#8221; number_font_size_tablet=&#8221;50px&#8221; number_font_size_phone=&#8221;42px&#8221; number_font_size_last_edited=&#8221;on|phone&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_number_counter][et_pb_number_counter title=&#8221;Refinance Loan Volume&#8221; 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