Credible Student Loan Refinancing Credible is an online marketplace that provides borrowers looking for private student loans with competitive, personalized, prequalified rates from up to 9 vetted lenders. If private student loans are a good option for you, through Credible there is no cost to request offers, and checking rates will not impact your credit score. Take Advantage of These Benefits • Savings: Ability to comparison shop across lenders to find the best solution for your situation. • Rates: Personalized real rates – not ranges – from multiple lenders instantly, without affecting your credit score. • Simplicity: Simple online process with flexible repayment options covering 2,200+ colleges. • Perks: Options available for both students as well as co-signers. • No Fees: No application fees, no origination fees, and no prepayment penalties. How to Get Started 1. Request prequalified rates: Access Credible through NetBenefits®. At Credible, answer a few quick questions to request new student loan rates from multiple lenders. 2. Choose a loan option or lender you want to explore further: Receive personalized offers from multiple lenders. Select the one that’s right for you. 3. Finalize your personalized rates: Choose a lender and provide a bit more information so your rates can be finalized. Fidelity Student Loan Resources We understand that for many of our employees and their family members, going to college or graduate school may require many years to pay off student loans. These resources are available through Fidelity NetBenefits® and may save you time and money. Summer Public Service Loan Forgiveness (PSLF) PSLF is a federal program created for those in public service jobs, offering the opportunity to have your federal loan balances forgiven after 10 years and 120 qualifying payments while working for a qualifying employer – tax free! Summer allows you to streamline the process of qualifying for PSLF. After a free assessment and recommendation, borrowers may choose to file PSLF applications on their own with the Department of Education or leverage the Summer tool and expertise for $50 annually*. Please visit Fidelity.com/Forgiveness for more information. Quick Facts ELIGIBILITY • E mployees, family members and friends of Scripps are eligible OPTION • Credible and Summer ENROLLMENT/CHANGES • Y ou may access the features at any time. RESOURCES • Credible: NetBenefits.com/StudentDebtHelp • Summer: Fidelity.com/Forgiveness Note: Scripps is not a plan sponsor or fiduciary for Fidelity, Credible, or Summer, and it is not covered under ERISA. Scripps does not endorse, recommend, or guarantee this program or the accuracy of any of the statements made in the vendor’s printed materials or website. *All fees are paid by participants. FINANCIAL WELLNESS 64
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