Student Loan Information

Is Debt for College Overwhelming?
Postsecondary education is an investment in your future, but many students and families find it difficult to handle the gap between available financial aid and the cost of attendance. Private student loans can help, as long as you understand how borrowing today can impact your financial future.

Iowa Student Loan® offers two online tutorials — Student Loan Game PlanSM and ROCI Reality Check —to help you better understand how student loan debt can affect your financial future and how to maximize your return on college investment, or ROCI. Learn more on the Iowa Student Loan Educational Tools page.

Student Loans
Pursuing a college education is a great investment in your future. The time, money and effort you spend on your education will provide you with opportunities for expanded career choices and greater earning potential. Although financing your education may seem overwhelming at times, many types of financial aid are available.

Private student loans can help to bridge the gap between any government student aid you receive and the amount needed to attend your school of choice. Applying for a private student loan should be considered only after you have exhausted all federal, state and institutional student financial aid options.

Students or their cosigners who can meet the underwriting and income criteria may apply for the Partnership Advance Education Loan® (Partnership Loan).

Partnership Loan
Maquoketa State Bank works with Iowa Student Loan to offer supplemental private student loans to help you pay for college.1

The Partnership Loan:
• Provides terms and conditions upfront, so you know what you’re getting before you apply.
• Features variable and fixed interest rates.
• Lets you defer payments or make interest-only payments while you attend school.
• Offers benefits such as an interest rate reduction and cosigner release.

Compare rates, fees, terms and other loan information.

Apply Online



Remember to:
• Complete the FAFSA first.
The first step in applying for financial aid, which includes federal student loans, is completing the Free Application for Federal Student Aid (FAFSA). The FAFSA is a free form provided by the U.S. Department of Education that may be completed without professional assistance via paper application or online at In your award letter from your college, the financial aid office will inform you of your eligibility for federal student loans.

• Work with your college financial aid office.
Contact the financial aid professionals at your college or university to explore and exhaust other sources of federal, state and/or institutional financial aid before seeking a private student loan. Accepting a private loan before using other types of available aid may decrease your eligibility for federal, state and institutional aid.

1Maquoketa State Bank is compensated by Iowa Student Loan for the referral of Partnership Loan customers.


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