A New Hampshire-based educational non-profit serving NH students and families

Welcome, Mascoma Bank customers!

We’re Granite Edvance, a college planning and funding partner of your bank.
Logo for Mascoma Bank

Our Partnership

Granite Edvance is proud to be the student loan planning and financing partner for Mascoma Bank. With over 60 years of experience, Granite Edvance is a trusted nonprofit, offering a suite of products with the goal of helping you reach your education and career goals.

Private Student Loans

Loans can help you bridge funding gaps to reach your goals. We have options – covering up to the cost of attendance and with no upfront fees. Pick the right option for you, and find your rate in just minutes!

Note: Students should take advantage of any federal financial aid available to them by filing the FAFSA before utilizing private loans.

  • Granite Edvance Student Loan

    For students that are NH residents or attending college in NH

    Multiple repayment terms and options

    Fixed rates between 3.490% – 10.927% APR1
    Apply for the GE Student Loan

  • EdvestinU Student Loan

    For students that are not NH residents and are not attending a college in NH

    Multiple repayment terms and options

    Fixed rates between 3.490% – 10.927% APR1
    Apply for the EdvestinU Student Loan

Parent Loans

Supporting a student? Our parent loan covers up to the cost of attendance and has no upfront fees. Find your rate in just minutes!

Note: Students should take advantage of any federal financial aid available to them by filing the FAFSA before utilizing private loans.

  • Granite Edvance Parent Loan

    For parents that are NH residents

    Immediate repayment with multiple term options

    Fixed rates between 4.489% – 9.250% APR2
    Apply for the GE Parent Loan

Student Loan Refinancing

If you already have student loans, you may want to consider our refinance loan. Refinancing allows you to combine multiple current student loans into a new loan that may better fit your needs.

Note: Refinancing a federal loan means forfeiting the benefits associated with federal loans. We encourage you to speak with your federal loan servicer and research the options before refinancing a federal student loan.

  • Granite Edvance Refinance Loan

    For NH residents looking to refinance

    Immediate repayment with multiple term options

    Fixed rates between 4.149% – 8.541% APR3
    Apply for the GE Refinance Loan

  • EdvestinU Refinance Loan

    For non-NH residents looking to refinance

    Immediate repayment with multiple term options

    Fixed rates between 4.149% – 8.809% APR3
    Apply for the EdvestinU Refinance Loan

Application & Solicitation Disclosures

Granite Edvance Student Loan and EdvestinU are loan products of Granite Edvance Corporation and may be funded by Granite Edvance Corporation NMLS ID# 1527348, www.nmlsconsumeraccess.org or Bank of Lake Mills, member FDIC. Subject to credit approval and underwriting guidelines. Bank of Lake Mills does not have an ownership interest in Granite Edvance. Neither Granite Edvance nor Bank of Lake Mills is affiliated with the school you attended or are attending.

Mascoma Savings Bank is not responsible for the underwriting, approval or servicing of student loans offered through Granite Edvance Corporation. Loans offered through Granite Edvance Corporation are intended to supplement, not replace, federal and institutional financial aid options.

1 The Granite Edvance Student Loan and EdvestinU Student Loan APRs depend in part on creditworthiness. Lowest APR is only available to our most creditworthy borrowers and assumes an application with a cosigner, immediate repayment, a 7-year repayment term, and 0.25 percentage point interest rate reduction for optional automatic debit. Highest APR assumes deferred repayment, 15-year repayment term, and 0.25 percentage point interest rate reduction for optional automatic debit. For more information about automatic debit, see note 4.

2 The Granite Edvance Parent Loan APRs depend in part on creditworthiness. Lowest APR is only available to our most creditworthy borrowers and assumes an application with a cosigner, a 7-year repayment term, and 0.25 percentage point interest rate reduction for optional automatic debit. Highest APR assumes 15-year repayment term, and 0.25 percentage point interest rate reduction for optional automatic debit. For more information about automatic debit, see note 4.

3 The Granite Edvance Refinance Loan and EdvestinU Refinance Loan APRs depend in part on creditworthiness. Lowest APR is only available to our most creditworthy borrowers and assumes an application with a cosigner, a 5-year repayment term, and 0.25 percentage point interest rate reduction for optional automatic debit. Highest APR assumes a 20-year repayment term and 0.25 percentage point interest rate reduction for optional automatic debit. For more information about automatic debit, see note 4.

4 Borrowers with private loans that are in deferment (including Granite Edvance Student Loan and EdvestinU Student Loan borrowers who elect deferred repayment), a grace period, or forbearance are not eligible to enroll and receive the automatic debit benefit until they enter into repayment. Borrowers electing to enroll in interest-only or immediate repayment are eligible to enroll in automatic debit upon initial disbursement.

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