Student Loan Insurance

POWERED BY ARDEO EDUCATION SOLUTIONS

Your Future, Insured.

Get help repaying your student loans until your income exceeds $50,000 after graduation.

Get Covered Today

Note: Accepting this offer does not enroll you at Pacific Lutheran University. You will only be charged if you attend Pacific Lutheran University and borrow student loans.

A Note From Pacific Lutheran University

Over the years, we've heard many students and families say student loan debt is a barrier to their dreams. In fact, “level of debt” has been the #1 concern among college applicants and their parents nationwide for nearly a decade, the Princeton Review reports.


That's why Pacific Lutheran University is partnering with Ardeo Education Solutions. Through this partnership, PLU is making an elective insurance plan available to students that protects against the burden of student loan debt.


PLU is dedicated to the success of students, both on campus and after graduation, and this elective coverage is just one more way to protect your dreams, wherever they may take you.

Allan Belton

President, Pacific Lutheran University

“They were so helpful and patient with me. They answered all my questions and helped me figure everything out.”

Johanna C., Graduate

“Knowing I would have help paying off my loans after graduation motivated me to keep going.”

Brianna G., Graduate

“The staff is super friendly and helpful. I for some reason struggled in the beginning to get the right paychecks with the right form and if I was missing something I got a nice email saying, ‘Hey, can you send this in’ rather than a rejection.’”

Danielle R., Graduate

Protect Yourself From The Burden Of Student Loan Debt

A lot can change in 4 years - your zip code, major, the economy. Whatever happens between now and the day you graduate, your Student Loan Insurance coverage gives you the best possible start on life after college. With Student Loan Insurance, you can attend and graduate from college with financial peace of mind.

Get Help Repaying Your Educational Loans

Your Student Loan Insurance coverage can reimburse up to 100% of your federal student, parent PLUS and private alternative loan payments. The less you earn after graduation, the more you'll receive. Claims are processed quarterly and your benefits continue until your income surpasses $50,000 or until your loans are repaid entirely.

Secure Your Future In Just 3 Simple Steps

Step 1

Sign up now. Use the form above to review and accept your Student Loan Insurance coverage.

Step 2

Pay nothing today. Your Student Loan Insurance premium will be included with your tuition and fees if you attend Pacific Lutheran University and borrow loans.

Step 3

Graduate with confidence. Begin working and repaying your student loans. Ardeo will help repay them until your income exceeds $50,000.
Note: Accepting this offer does not enroll you at Pacific Lutheran University. You will only be charged if you attend Pacific Lutheran University and borrow student loans.

Ardeo Has Been Featured In

brand
brand
brand
brand
brand
brand

More Information

What is Student Loan Insurance, and how does it work?
Student Loan Insurance protects against the burden of student loan debt. Coverage reimburses up to 100% of your federal student, parent PLUS and private alternative loan payments until the student's income exceeds $50,000 after graduation.
What is covered by this insurance?
Student Loan Insurance covers loans certified by Pacific Lutheran University's financial aid office including federal student, parent PLUS and private alternative loans – up to $17,000 per academic year and $75,000 in total.
When do I pay for this?
The premium for Student Loan Insurance will be added to your bill by Pacific Lutheran University each semester. Your coverage will automatically renew each year. You will only be charged if you attend Pacific Lutheran University and borrow student loans.
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 will receive information about their policy.
Is my coverage automatically renewed each year?
Yes, your coverage is automatically renewed each year.
After graduation, how do I file a claim?
Once you sign up for Student Loan Insurance and Pacific Lutheran University confirms you enrolled, Ardeo will email you information about how to set up your portal account. From there, you can access your coverage details, find helpful resources, and submit claims after you graduate, begin working, and making your required loan payments.
What’s your cancellation policy?
You may cancel your policy for a full refund by the 14th day of the first term of the covered academic year. After that, you may cancel your policy during the covered academic year and receive a refund of any unearned premium.
What else should I know about the details of my policy?
There are 3 things you need to do to qualify for reimbursement.


  1. Graduate from Pacific Lutheran University with a Bachelor's degree.

  2. Work 30+ hours per week. It can be in any field. You can work more than one job.

  3. Begin making your required loan payments.

Reimbursements are made in proportion to your income after graduation. In other words, the less you earn, the more reimbursement you will receive. Coverage continues until your income exceeds $50,000 or until your loans are repaid entirely.


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 your policy for the full terms and conditions.