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Independent student need relates only to the income and assets of the individual student.

As a result, student loan borrowing limits are higher for independent students.

Note that Stafford Loans are issued as ‘dependent’ loans or as ‘independent’ loans.

When determining financial aid needs for dependent students, the Department of Education considers parental income, as part of the financial aid application.

Additional credit-building opportunities include cards that earn rewards, like the Bank Americard Travel Rewards for Students Card and the Bank Americard Cash Rewards For Students Card. The following entry is maintained as a historical reference, and to serve as a resource; should Bank of America initiate student loans at a future date.

Important Update: Until recently, Bank of America administered Federal Student Loans. For specific information, contact Bank of America directly at 1-800-344-8382 Bank of America is a student loan originator that works with the government to provide college loans.

Currently, these loans are issued exclusively through the U. If you are awarded student loans, as part of your federal financial aid package, you choose your own lender. Bank of America handles most federal loans, including Stafford Loans, PLUS loans (for parents), Graduate Student PLUS loans and Federal Consolidation Loans.

To do this, many or all of the products featured here are from our partners. Snapshot of a typical online personal loan: Nerd Wallet's ratings are determined by our editorial team.

Personal loans from banks Personal loans from online lenders Personal loans from credit unions » MORE: Top banks offering personal loans Online lenders cater to all credit profiles and most give you estimated rates without a hard inquiry on your credit.

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