Student loans you can afford. Guaranteed. StudentSmart™ loans are a new kind of student loan. Unlike traditional student loans, we do not charge interest. Rather, we simply ask for a percentage of your future income for an agreed-upon period of time once you get a job and make at least $30,000 a year. If you don't earn, you don't pay. It's that simple. How do we know how much to charge you? The percentage we ask for is based upon your grades, test scores, field of study, and personality characteristics: we're more interested in your future potential than your current finances. You don't necessarily need to have a good credit score, and we don't require a co-signer. Our process is simple: 1. Tell us about yourself. Unlike traditional loans, we’re more interested in you than in your (or your parents') finances. Your personality, experiences, grades, and goals are the things that are important to us. 2. Get an offer. You tell us how much you want to borrow and for how long you want to pay, and we'll tell you what percentage of your income we'll ask for. This ensures that you're only paying an amount you can afford, IF you can afford it. 3. Focus on school, not on debt. That's it! You can focus on school, not on your debt. When you get a job, you'll just pay us a percentage of what you earn. No job? No payments. It really is that simple. Find out more at www.Base-HC.com