Private Loans are credit-based consumer loans that can be used to cover education costs where available scholarships, grants, and Federal Student loans fall short. The loans can be used to cover costs such as transportation, computers, books, room and board. With the ease & flexibility of our loans, you'll meet your financial needs in no time, and be stress free to pursue your degree. A Hana Private Loan can be the key to your success.    Student must be a U.S. Citizen; or must be a permanent resident with a valid permanent-resident card;    An international student must apply with a U.S. citizen or permanent resident as a Co-Borrower;    Must be at least 18 years old, or the age of the majority in your state;    Enrolled at least half time at an eligible institution;    Applicant or Co-Borrower must meet criteria for creditworthiness.  Note     International students: F-1, E-2, or H-4 visa holders approved with qualified co-borrower. Other visas may be accepted upon review.   Quick and Easy (stress free) Fast Online approvals (so you can worry about better things) No application fee or out of pocket expenses High annual maximums (to cover all necessary costs) Low interest rates and fees Various Repayment options (immediate, interest only, deferred repayment) Flexibility to use the loan to cover any education related expense Check the status of your loan online 24/7