Student Lending with CommonBond

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Why choose CommonBond?

We've partnered with CommonBond because like us, they are straightforward and transparent in their lending. They are also committed to giving back, and have a unique partnership with Pencils of Promisean organization that works to provide educational opportunities to children in developing countries. 

Whether you need  an undergraduate or graduate student loan or are looking to refinance your existing student loans for a lower rate, their solution is a great one that can result in savings in the long run. Plus, with every new or refinanced loan through Needham Bank, you'll automatically receive a $200 cash bonus from CommonBond once your loan is secured. If you set up an auto-payment with your NB Checking account, they'll even give you a discount on your new student loan rate.

It only takes a few minutes to get a free rate quote with CommonBond's easy online application. Click here to see an explanation of the steps you can expect during the refinancing application process. By starting an application, you agree that CommonBond may share information like your name, phone number, and email address with Needham Bank.


Consolidate and refinance your existing student loans at a lower rate.

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Undergraduate Loans

For associates or bachelor's degree students. (cosigner required)

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Graduate Loans

For masters, doctoral or professional degree students. (cosigner required)

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MBA Loans

For students pursuing their MBA at one of these qualifying schools.

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For every loan funded by CommonBond, they also fund the education of a child in need in the developing world. Through their partnership with Pencils of Promise, CommonBond has funded the education for over 2,000 children.

What is Pencils of Promise?

Pencils of Promise (PoP) was founded in 2008 with the goal of increasing access to quality education for children in the developing world, no matter where they were born or what resources they have. To date, PoP has built over 420 schools and provided access to education to more than 73,000 students throughout Ghana, Guatemala, Laos and Nicaragua, establishing itself as a leader amongst the innovative global nonprofits working toward sustainable social change.

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CommonBond offers an award winning Care Team to assist you in all areas of the student lending process. Contact them directly at (800)975-7812 or email

Have more specific questions?

They also offer a designated resource center that highlights many frequently asked questions by people just like you. Click here to read more.