Disclaimer

General Information Only

The content on CollegeHero, including all articles, guides, calculators, and resources, is provided for general informational and educational purposes only. This information should not be relied upon as the sole basis for making financial decisions relating to student loans, credit cards, refinancing, or any other financial products or services.

Not Professional Financial Advice

CollegeHero is not a licensed financial advisor, certified financial planner, or registered investment advisor. The information provided on this site:

• Does not constitute professional financial, legal, tax, or investment advice
• Should not be used as a substitute for advice from qualified professionals
• Is not tailored to your specific financial situation or needs
• May not be suitable for your particular circumstances

Before making any financial decisions, you should consult with qualified financial, legal, and tax professionals who can assess your individual situation and provide personalized advice.

Affiliate Compensation Disclosure

CollegeHero participates in affiliate marketing programs and maintains affiliate relationships with various financial service providers, including:

• Student loan lenders and servicers
• Loan refinancing companies
• Credit card issuers
• Financial service providers
• Educational institutions and scholarship organizations

Material Connection: We may receive monetary compensation (commissions) when you click on links to products or services on our site, or when you apply for, are approved for, or use products through our affiliate relationships. This compensation:

• Helps support the operation of this website and allows us to provide free resources
• May influence which products we feature and their placement on our site
• Does not affect the price you pay for any products or services
• Does not influence our content or recommendations based solely on commission rates

No Endorsement or Guarantee

The inclusion of any product, service, or company on CollegeHero does not constitute an endorsement, recommendation, or guarantee by us. We do not:

• Guarantee approval for any financial product or service
• Guarantee specific interest rates, terms, or conditions
• Warrant the quality, suitability, or appropriateness of any product for your situation
• Feature all available products, lenders, or options in the marketplace
• Guarantee that featured products are the best options for your needs

Accuracy of Information

While we strive to provide accurate and up-to-date information, we make no representations or warranties regarding:

• The accuracy, completeness, reliability, or timeliness of any content on the site
• The current terms, rates, fees, or conditions of financial products featured
• The availability of products or services in your specific location
• Changes to product features, terms, or availability by third-party providers

Important: Financial products, interest rates, terms, and conditions can change at any time without notice. You should always verify current information directly with lenders and service providers before making any decisions.

Third-Party Responsibility

When you click on affiliate links or apply for products through CollegeHero, you will be directed to third-party websites. Please be aware that:

• We are not responsible for the content, practices, or policies of third-party websites
• Your interactions with third parties are governed by their own terms and conditions
• We have no control over the approval process, terms, or customer service of third parties
• We are not liable for any issues, disputes, or losses arising from your dealings with third-party providers

Student Loan and Financial Aid Information

Information about student loans, FAFSA, financial aid, and related topics is provided for educational purposes. You should be aware that:

• Federal student aid eligibility and requirements are set by the U.S. Department of Education
• FAFSA deadlines, requirements, and processes can change annually
• State and institutional aid programs have their own specific requirements and deadlines
• Scholarship availability and eligibility criteria are determined by individual organizations
• Private student loan terms and approval are determined solely by lenders

Always verify information with official sources, including the Federal Student Aid website (studentaid.gov), your educational institution's financial aid office, and individual lenders or service providers.

Comparison and Decision-Making

Any comparisons, rankings, or lists of products on CollegeHero:

• Are based on publicly available information and our research
• May be influenced by affiliate relationships and compensation
• Do not include all available options in the market
• May not reflect the most recent changes to products or terms
• Should not be your sole basis for decision-making

We encourage you to: Compare multiple options, read terms and conditions carefully, check current rates and fees directly with providers, and consider consulting with financial professionals before making decisions.

No Liability

To the fullest extent permitted by law, CollegeHero disclaims all liability for any:

• Losses, damages, or adverse consequences resulting from your use of our site or reliance on our content
• Financial decisions made based on information provided on CollegeHero
• Interactions with third-party providers or use of their products and services
• Errors, omissions, or inaccuracies in the content on our site
• Changes to products, terms, or availability by third parties
• Denial of applications or unfavorable terms offered by lenders

Student Loan Debt Warning

Taking on student loan debt is a serious financial decision that can have long-term implications. Before borrowing:

• Exhaust all free financial aid options (grants, scholarships, work-study)
• Consider federal student loans before private loans due to their borrower protections
• Borrow only what you need for education-related expenses
• Understand the terms, interest rates, and repayment obligations
• Consider your expected future income and ability to repay

Credit Card and Refinancing Warnings

Credit Cards: Using credit cards irresponsibly can lead to debt accumulation and harm your credit score. Consider your ability to pay balances in full and understand all fees, interest rates, and terms before applying.

Loan Refinancing: Refinancing federal student loans with a private lender means losing federal borrower protections including income-driven repayment plans, loan forgiveness programs, and deferment/forbearance options. Carefully weigh the benefits of lower interest rates against the loss of these protections.

FTC Compliance

This disclaimer complies with requirements set forth by the Federal Trade Commission (FTC) regarding affiliate marketing and advertising disclosures. CollegeHero adheres to ethical standards in affiliate marketing and strives to provide transparent information about our relationships with third-party providers.

Updates to Disclaimer

We may update this disclaimer from time to time to reflect changes in our practices or legal requirements. The "Last Updated" date at the top indicates when this disclaimer was most recently revised. Your continued use of the site after changes constitutes acceptance of the updated disclaimer.

Questions or Concerns

If you have questions about this disclaimer or any content on CollegeHero, please contact us: