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Financial Aid Programs for College and Post-Secondary Education

There are numerous benefits to receiving a college education: a higher earning potential, meeting new people and new experiences. Now more than ever, college and post-secondary education is seen as an investment in your future. Heartland Bank is proud to be able to help students aspiring to further their education.

Student Loan Options

Loans for college students come in many shapes and forms:

  • Federal grants, subsidized and unsubsidized loans
  • State grants and loans
  • Grants, awards and loans from educational institutions
  • Grants, awards and loans from businesses, organizations and foundations
  • Private student loans (private student loans should be considered only after you have exhausted all federal, state and institutional student loan options)

Student Loans

Heartland Bank works with Iowa Student Loan® to offer two supplemental private student loan programs.*

The Partnership Advance Education Loan® (Partnership Loan) can help you pay for college while you’re in school.


The Reset Refinance Loan (Reset Loan) can help you simplify repayment or pay lower interest for existing student loans after you finish college.

 Partnership Loan:

  • Provides terms and conditions upfront, so you know what you’re getting before you apply.
  • Features variable and fixed interest rates. 
  • Lets you begin making principal and interest payments, make interest-only payments or defer payments while you attend school. 
  • Offers benefits such as an interest rate reduction and cosigner release.

Learn More and Apply Online

The Reset Loan lets you refinance or combine existing student loans into one new loan. This may help you if you have student loans with higher interest rates or are making payments to a number of different servicers.

  Reset Loan features:

  • Competitive fixed interest rates.
  • Three different repayment terms.
  • An interest rate reduction benefit.

Learn More and Apply Online 

Tools and Tips to Help Minimize Borrowing

Take advantage of Iowa Student Loan’s smart borrowing resources.

  • Student Loan Game Plan helps you learn how you can reduce the amount you may need to borrow for college.
  • Return on College Investment lets you explore jobs and earnings for graduates of specific majors.
  • College Funding Forecaster allows you to estimate college costs for four years based on your freshman financial aid award letter.
  • Student Loan Coach, Iowa Student Loan’s blog, provides tips on how to prepare, plan for and finance college.


  • Complete the FAFSA first.  The first step in applying for financial aid, which includes federal student loans, is completing the Free Application for Federal Student Aid (FAFSA). The FAFSA is a free form provided by the U.S. Department of Education that may be completed without professional assistance via paper application or online at In your award letter from your college, the financial aid office will inform you of your eligibility for federal student loans.
  • Work with your college financial aid office to explore and exhaust all sources of student financial aid before seeking a private student loan. 

About Iowa Student Loan

Iowa Student Loan was established in 1979 as a private, nonprofit corporation, and its mission is to help Iowa students and families obtain the resources necessary to succeed in postsecondary education.

* Heartland Bank is compensated by Iowa Student Loan for the referral of Partnership and Reset Loan customers.