We Are Monogram.

Monogram develops personalized private student loan products based on decades of industry data.

Expand Your Lending Portfolio with Data-Driven Products and Services

We help you enhance your product suite so you keep more customers and generate fee-based revenue.

Our collaborative approach to product development and delivery helps organizations — such as banks, credit unions and affinity organizations — achieve their market, financial, member and customer service objectives.

Monogram is Changing the Dynamic of the Traditional Private Student Loan

Seasoned professionals

We’ve facilitated more than $30B in private student loans and have decades of experience managing every aspect of risk in a student loan program, from credit risk to regulatory and compliance risk.

Data driven

We couple the latest industry and market information with our three decades of proprietary data to provide customizable student loan products that complement our partners’ current product offerings and diversify their lending portfolios.

More than a FICO score

Unlike other private student loan providers, we leverage data science and industry expertise to look beyond FICO scores to help you effectively price loans and manage risk.

Explore Your Options

If you’re looking to expand your portfolio, offer private student loans to your members, or sell your student loan portfolio, we can help.

Here’s What Our Partners Have to Say

“We want to be a resource for our members in every way, so broadening our product offerings to include private student loans just made sense. Partnering with Monogram enabled us to leverage our brand and deepen relationships with our existing members while expanding our business.”

Donald Kerr
Director Student Lending and College Services, AAA Northeast

AAA Northeast

“Monogram has been a strong partner from the beginning. The team’s insights and collaboration helped us create a private student loan program that continues to grow and adds value to our business in meaningful ways.”

David Grassini
Risk Manager, Citizens Bank

We Offer Various Flexible Products, Including

Choose how to pay with the Union Federal® Private Student Loan

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Explore customizable loans with Custom Choice Loan®

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Gain a scholarship to support your higher education needs with SmartBorrowing

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Take the driver's seat with the AAA Advantage Loan program. Your partner for a transparent and rewarding student loan experience.

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AAA Advantage Student Loan

Explore plain, honest student loans with Abe

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