Sparrow

Sparrow Support

Information about how to fill out the Sparrow application.

Sparrow Application

Filling out the Sparrow application takes about 2 minutes.

How long will it take to fill out the Sparrow application?

Yes, international students are able to use Sparrow to receive prequalified rates from our lending partners.

Is Sparrow available to international students?

Most lenders look at your credit score and income to determine the interest rate on your student loan.

What information is considered when determining my rates?

Total Interest Expense refers to the total amount of interest a borrower accrues on their loan.

What is the total interest expense?

Soft credit checks do not impact your credit score. Typically, a hard credit check has up to a 5-point impact on your credit score.

What’s the difference between a soft credit check and a hard credit check?

How credit inquiries impact your credit score depend on the type of credit inquiry they are.

Will multiple credit inquiries affect my credit score?

Deferments or forbearance may be offered depending on the lender.

Does Sparrow offer deferments or forbearance?

Some Sparrow lending partners offer an autopay discount.

Does Sparrow offer a discount for setting up automatic payments?

General Questions

If you are eligible, you’ll instantly receive personalized, prequalified rates on your Sparrow Dashboard.

How do I know if I am eligible for a loan through Sparrow?

To find a lender, simply complete the Sparrow application to see which lenders you qualify with.

Can I get a loan if I don’t have an SSN or ITIN?

To determine your eligibility, complete the two-minute Sparrow application.

I am a U.S. citizen pursuing a degree abroad. How do I apply?

Yes, you can get a student loan without a U.S. citizen cosigner.

I am an international student. Can I get a student loan without a U.S. citizen cosigner?

Yes, you can still use Sparrow. Please enter (111)-111-1111 in the phone number field.

I would like to use Sparrow but don’t have a US phone number. Can I still use Sparrow?

Yes. You can borrow from lenders on the Sparrow platform without having employment.

Am I eligible if I am unemployed?

No, you do not need to complete the FAFSA in order to use Sparrow.

Do I need to complete the FAFSA to use Sparrow?

If you can't find your school on the application, please select “Other – school not listed” and list your institution in the space provided.

What do I do if I can’t find my school on the application?

Credit score requirements depend on the type of loan you're looking for.

What credit score do I need to prequalify for a loan on Sparrow?

Eligibility Requirements

You will need a variety of information to complete the Sparrow application.

What information do I need to apply for prequalified rates through Sparrow?

To complete Sparrow's application process, you do not need to upload any documents.

What documents do I need to provide to complete the Sparrow application process?

A permanent address is the location where you reside. A mailing address is the place where you would like to receive your mail.

What’s the difference between a permanent address and a mailing address?

Enter the college you plan to attend, your high school GPA, and estimated graduation date.

I am going to be a freshman in college. On the degree page, it won’t accept my high school. What should I do?

If you do not see an option for the program you are pursuing, you may still be able to use Sparrow.

I don’t see an option for the program I am pursuing. Can I still use Sparrow?

If your degree is not listed as an option, please select one of the “other” options.

What do I do if my degree is not listed as an option?

Annual income is optional, but including it may increase your chances of prequalifying for a student loan.

I don’t have an annual income. Can I skip this question?

The information that you provide should only pertain to you as the borrower.

Should I include my spouse or partner’s income in my Sparrow profile?

Should I include my parent’s income in my Sparrow profile?

No, the loan amount you request usually does not directly affect the rates you’re offered.

Does the loan amount affect the rates I am offered?

First, check all of the fields to make sure they are filled out correctly. If that does not solve the problem, try refreshing the page.

I have all the blanks filled in, but it won't let me advance to the next screen of the form.

First, make sure every field is properly filled out. There are a few common field errors that may be preventing you from moving forward.

I've filled everything out, but it won't let me save or go to the next step.

If you meet the lender’s criteria, you will receive prequalified rates from them.

Am I guaranteed to receive prequalified rates from the lenders?

Yes! We automatically save the Sparrow application for you.

Do you save my application? Can I come back later and finish it?

Filling Out the Sparrow Application

To check the status of your loan application, go to your Sparrow Dashboard.

How do I check the status of my application?

To delete an application, click on the Delete button on the loan card at the top right of your Sparrow Dashboard.

I need to delete an application. How can I do so?

No, by submitting your profile, you are evaluating options from our partner lenders.

Am I accepting a loan offer by submitting my Sparrow profile?

Submitting the Sparrow Application

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