Central State Bank works with Iowa Student Loan, the state’s nonprofit student loan experts, to offer competitively priced supplemental private loans to help students and their families manage the cost of college.*

  • The Partnership Advance Education Loan (Partnership Loan) is for students and their cosigners.
  • The College Family Loan is for parents, family members and others who wish to borrow on behalf of a student.
  • The Reset Refinance Loan can help you simplify repayment or pay lower interest costs on existing student loans after college.

All terms and conditions, including credit score requirements for specific rates, are provided upfront for each of these loan options so you know exactly what to expect. In addition, there are no upfront origination fees and you can earn an interest rate reduction for making payments by auto-debit in repayment. Note: The Partnership Loan, College Family Loan and Reset Refinance Loan are subject to credit approval.

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Tools and Tips to Help Minimize Borrowing

Take advantage of these smart borrowing resources while planning for college and before applying for student loans. These free resources include online tools to help students and families:

  • Avoid over borrowing
  • Explore jobs and potential earnings for graduates of specific majors.
  • Estimate total college costs for four years of undergraduate students.

Before applying for a private loan, be sure to complete the FAFSA, or Free Application for Federal Student Aid, first. You should also work with our college financial aid office to explore and exhaust all sources of student financial aid before seeking a private student loan.

About Iowa Student Loan

Iowa Student Loan was established in 1979 as a private, nonprofit corporation, and its mission is to help Iowa students and families obtain the resources necessary to succeed in postsecondary education.

*Central State Bank is compensated by Iowa Student Loan for the referral of student loan customers.