Your Future, Secured.

Make at least $50,000* after graduation or Student Loan Insurance will help repay your student loans until you do.

*Income amount may vary. Check your price for the details.

Or, call (877) 909-4754 to talk with a representative.

Safeguard your future with Ardeo

The Leader In Student Loan Debt Protection

Since 2008, Ardeo has been dedicated to helping protect one of the most significant investments you will ever make, your college degree.

Trusted by more than 30,000 students and families nationwide.

How Student Loan Insurance Works

1. Sign Up.

With Student Loan Insurance, you will attend your dream college with financial peace of mind. Coverage is available at all accredited 4-year colleges in the United States. Sign up today in just 5 minutes.

2. Attend College.

Student Loan Insurance gives you the freedom to pursue your passion while in college. Unsure if you will need to borrow each year? No worries. It’s easy to pause coverage any year you do not need coverage.

3. Graduate With Confidence.

Get a great start on life after college. Coverage helps repay student and parent loans until your income exceeds $50,000*. In other words, the less you earn after graduation, the more help you will receive.

*Income amount may vary. Check your price for details.

Examples: How This Financial Safety Net Secures Your Future

Safe To Dream Big

Madison has always loved nature. Her dream is to move to Alaska to work in conservation. After graduating with an environmental science degree, she landed a one-year fellowship that’s helping her work toward that dream. It doesn’t pay much – just $27,000 a year. If Madison had to repay her $46,000 of student loans on her own, she never would have been able to accept the fellowship. The $229 a month she’s getting from Student Loan Insurance is helping keep her dream alive.

This story is an illustrative example.

Protection For When Things Don’t Go To Plan

Jillian knew her earning potential as a nutritionist would be high. That’s why she didn’t hesitate to attend her dream college despite the price tag. Before she knew it, her freshman year was over, and Jillian’s grades weren’t good. Jillian needed an additional year to complete her degree and graduated with $72,000 of debt. Thankfully, Jillian’s mom insisted they purchase Student Loan Insurance “just in case.” While Jillian is earning a decent salary – $39,000 a year – it’s not going as far as she thought. Jillian hopes her income will increase soon, but the $292 a month Jillian is receiving from Student Loan Insurance has taught her an important lesson: mom is always right.

This story is an illustrative example.

Security During A Bad Economy

Just before Jasmine graduated with a psychology degree, the economy took a turn for the worse. Jasmine wants to work for a medical provider, but the job market is competitive. While she searches, Jasmine is working part time as a barista and clothing store associate making $23,100 a year. When she purchased her policy, Jasmine wasn’t sure she would need Student Loan Insurance, but decided it was better to be safe than sorry. The $217 a month she’s receiving from Student Loan Insurance is giving her financial peace of mind while she pays down her $43,000 of debt.

This story is an illustrative example.

Freedom To Follow A New Path

Carlos enjoyed his first semester, but he couldn’t shake the feeling engineering wasn’t the right field for him. When a professor asked him to lead a study group, Carlos decided to give it a try. He discovered he loved teaching, but how would he repay his $38,000 of student loans on a teacher’s salary? That’s when Carlos remembered Student Loan Insurance. Carlos was able to change his major to education with financial peace of mind. Now, he’s a high school math teacher making $32,000 a year, plus he’s getting $111 from Student Loan Insurance each month.

This story is an illustrative example.

Peace Of Mind For Students & Parents

While Michael qualified for some scholarship and aid money, he still needed $61,000 to get his business degree. Michael’s average high school grades made his parents nervous to borrow, but Student Loan Insurance gave them the peace of mind to take out federal and parent PLUS loans. Since the coverage only takes Michael’s income after graduation into consideration (not his parents’), his family is getting $224 a month from Student Loan Insurance. The help enables Michael to work as an office manager for a local manufacturer making $36,000 a year.

This story is an illustrative example.

Support For The Long-Term

Jacob is happiest when serving others. He works at a nonprofit, counseling low-income kids in his community and can’t imagine doing anything else. When he graduated, Jacob had $56,000 in student loan debt from his ministry degree. His position paid just $25,000 a year, and he received $272 a month from Student Loan Insurance. As his income increased over time, the help he received decreased. While his income is now too high to qualify for help, he has received a total of $19,815 over the last 10 years. Without Student Loan Insurance, Jacob’s financial constraints would have prevented him from following his calling for so many years.

This story is an illustrative example.

Why Student Loan Insurance?

Wise Investment

Student Loan Insurance helps repay federal student, private alternative and parent PLUS loans after graduation, protecting against burdensome debt.

Generous Support

Student Loan Insurance can help repay up to $100,000 in student and parent loans, making it the most generous product on the market.

Trusted Partner

Ardeo has partnered with more than 200 colleges and universities over the last 15 years to give students and families peace of mind.

Powerful Security

With no cost after graduation, it’s easy to protect one of the most important investments you will ever make.

Empowering Protection

Work in any field after graduation. Student Loan Insurance has you covered no matter where life takes you.

Comprehensive Coverage

Insure any college expense covered by student or parent loans, such as tuition, housing, fees, books and meal plans.

More Information

+ What is Student Loan Insurance, and how does it work?

Student Loan Insurance is a financial safety net. The coverage helps repay federal student, private alternative and parent PLUS loans until your income exceeds $50,000* after graduation. This powerful protection enables students to achieve their goals without being held back by student loan debt.

*Income amount may vary. Check your price for the details.

+ Who is eligible for this coverage?

You must be a high school senior, college freshman or college sophomore with at least two academic years left. You must be enrolled or planning to enroll in a bachelor’s degree program at a four-year college or university.

+ What is covered by this insurance?

Each Student Loan Insurance policy covers loans certified by your college’s financial aid office including federal student, private alternative and parent PLUS loans.

+ What's the deadline to purchase Student Loan Insurance?

The deadline to purchase coverage for the 2024-25 academic year is June 30, 2025.

+ How much does Student Loan Insurance cost?

Check your price here – it only takes a few minutes.

+ When do I pay for this?

You have the option to either pay for Student Loan Insurance in full when you sign up or opt for a monthly installment plan. Once you graduate from the institution with which you signed up for coverage, you will no longer need to make Student Loan Insurance payments. Before the start of each academic year, you will receive a renewal notice for your coverage. If your status as a student has changed, you can let us know in your Student Loan Insurance account.

+ As a parent or guardian, can I help my student sign up for Student Loan Insurance?

Yes! Signing up for Student Loan Insurance is a smart move – and we encourage you to discuss all the benefits together as a family. Have your student provide your contact information as they go through the sign-up process to ensure you receive information about their policy.

+ Is my coverage automatically renewed each year?

Yes, your coverage is automatically renewed each year. Before the start of the academic year, we will send you a notice that your coverage is about to renew. If your status as a student has changed, you can let us know in your Student Loan Insurance account.

+ Does Student Loan Insurance cover loans borrowed for a j-term (January term) or during the summer?

Yes, your Student Loan Insurance policy covers the entire academic year, including j-term and summer term.

+ What’s your cancellation policy?

You can cancel your policy at any time. To receive a full refund, please cancel by Oct. 1 of the covered year or within 14 days of purchase, whichever comes later.

If you do not require coverage for the academic year but wish to maintain your policy, you can pause coverage. Pause coverage before June 1 of the covered year to receive a complete refund for any payments made toward the current academic year, as well as to stop any future payments for that academic year. Rest assured, your policy will resume automatically on July 1 for the new academic year. Contact us at [email protected] or (877) 909-4754 to cancel your policy or pause coverage.

+ After graduation, how do I file a claim?

Once you sign up for Student Loan Insurance, Ardeo will email you information about how to set up your Student Loan Insurance account. From there, you can access your coverage details, find helpful resources, and submit claims after you graduate, begin working, and start making your required loan payments.

+ How does my income after graduation affect the amount of help I will receive repaying my loans?

Student Loan Insurance will reimburse you every 3 months for your loan payments, up to the full amount allowed by your policy. What does that mean? Here’s an example:

A graduate with an income limit of $50,000 is earning $25,000 per year after graduation. Their loan payments are 100% reimbursed (in other words, they receive 100% of their loan payments back). As the graduate’s income increases, for example, to $37,500, they would receive 50% reimbursement of their loan payments. Their coverage continues until either their income exceeds their income limit – in this example, $50,000 – or until their loans are repaid entirely.

Other terms apply. See this sample policy for more information.

+ What if I attend graduate school?

Students who attend graduate school typically follow one of two paths:

  • If you attend graduate school full time, your federal loans are usually put into “academic deferral” status automatically, which means you won’t need to make any loan payments. If you have private loans, you can contact the loan servicer to discuss keeping your loans deferred while you attend graduate school. During this time, you should contact Ardeo to let us know you will be attending graduate school. Since you won’t be making any loan payments, we will pause your coverage. When you finish graduate school, you can contact us again to reactive it.
  • If you attend graduate school part time, then loan providers typically require you to begin repaying loans borrowed to pursue your bachelor’s degree. In this case, there is no effect to Student Loan Insurance. You will receive help repaying your loans, up to the full amount allowed for in your policy.

Please note that at this time Student Loan Insurance only covers loans borrowed to pursue a bachelor’s degree. Loans borrowed to pursue a graduate degree will not be covered by Student Loan Insurance.

+ What else should I know about the details of my policy?

There are 3 things you need to do to qualify for help repaying your loans.

  • Graduate with a bachelor’s degree from the institution with which you signed up for coverage.
  • Work 30+ hours per week. It can be in any field. You can work more than one job.
  • Begin making your required loan payments.

Students have 18 months after graduation to file a claim for the first time. That timeline can be extended if you attend graduate school or work internationally.

This is just a summary. See this sample policy for more information.