I have been getting supplemental loans for the last two years from US Bank at great rates. This year, my most recent loan application took two months to process, with a bunch of new requirements, and when it finally funded the rate was DOUBLE the rate of my previous loans. The reason given was "new criteria" with no other explanation and a flat refusal to discuss how my debt/income ratio was calculated. I am shocked and will no longer be doing business with US Bank, including a refinance of my home equity loan with a competitor.

US Bank is helping to fund a portion of my education, and this loan has been perfect since the day I got it. They give you a good amount of time until payments are due and with my cosigner, my rates are good.

US Bank funded my last year of schooling. Having six months until the payments are due is great and with a cosigner you will get a great rate.