Terms and Conditions apply. Meritize branded loan products are educational loans issued by Blue Ridge Bank (“Bank”), National Association, Member FDIC. The Bank and Meritize reserve the right to modify or discontinue products and benefits at any time without notice. To qualify, a borrower must be a U.S. citizen, permanent resident, or hold a valid work authorization document, and meet the Bank’s underwriting requirements. If approved for a loan, the actual loan amount, term, payment, and APR amount of the loan that a customer qualifies for may vary based on credit determination, state law, and other factors.