Young woman wearing cap and gown at a graduation ceremony

Student Loans & Refinancing


Granite Edvance Corporation, located in Concord, New Hampshire, is our nonprofit higher education student loan product partner. Through this partnership, Bar Harbor Bank & Trust is able to connect customers to various student loan products designed to meet their unique needs.

Through Granite Edvance Corporation, eligible borrowers have access to:

  • No upfront fees or prepayment penalties
  • Interest rate discounts for enrolling in automatic debit
  • Multiple repayment terms
  • Fixed and variable interest rates
  • Cosigner release available
  • Loan origination support from local student loan experts
  • Quick and easy online application process – find your rate in under 3 minutes!

Private Student Loan Programs

Granite Edvance offers two private student loan programs - the Granite Edvance Student Loan and the EdvestinU Private Student Loan. Both are intended for undergraduate and graduate students currently enrolled in school and seeking additional funding after exhausting all other financial aid resources. The student acts as the primary borrower but some loans may require a cosigner to meet eligibility requirements.

Loan amounts range from a minimum of $2,001 up to the cost of attendance minus any financial aid accepted.

Granite Edvance Student Loan

Eligible borrowers are New Hampshire residents or enrolled at least half-time at a New Hampshire-based Title IV degree-granting institution

Apply for Granite Edvance Student Loan

EdvestinU Private Student Loan

Eligible borrowers are non-New Hampshire residents who are attending a Title IV degree-granting institution located outside of New Hampshire

Apply for EdvestinU Private Student Loan

Private student loans are intended to supplement, not replace, federal and institutional financial aid options. Students are encouraged to file the Free Application for Federal Student Aid (FAFSA) and to consult their post-secondary institution’s financial aid office to discuss all available options.

Refinance Loan Program

The EdvestinU Refinance Loan provides existing student loan borrowers the option of combining multiple student loans into a new loan with the potential of reducing your interest rate(s) and/or lowering your monthly payment(s). Eligible loans include federal and private student loans used for attendance at a Title IV degree-granting institution.

Loan amounts range from a minimum of $7,500 up to a maximum of $200,000.

Apply for an EdvestinU Refinance Loan

Refinancing a federal loan means forfeiting the benefits associated with federal loans. We encourage you to speak with your federal loan servicer and research the options before choosing to refinance a federal student loan.

More Information

For more information or to schedule an in-office appointment to discuss the programs, please contact Granite Edvance’s friendly and knowledgeable loan counseling team.

855-887-5430
loansupport@graniteedvance.org
3 Barrell Court
Concord, NH 03301











Granite Edvance Student Loan and EdvestinU are loan products of Granite Edvance Corporation and may be funded by Granite Edvance Corporation NMLS ID# 1527348, www.nmlsconsumeraccess.org or Bank of Lake Mills, member FDIC. Subject to credit approval and underwriting guidelines. Bank of Lake Mills does not have an ownership interest in Granite Edvance. Neither Granite Edvance nor Bank of Lake Mills is affiliated with the school you attended or are attending.

The education loans described on this web page are offered through Granite Edvance Corporation, not Bar Harbor Bank & Trust. All underwriting and decision making is handled by Granite Edvance, and Bar Harbor Bank & Trust is not involved, nor does Bar Harbor Bank & Trust have any authority, in that process.