Career training student loans Variable rates: 4. Graduate student loans Rates vary by loan. Parent loans Fixed rates: 5. Why choose student loans from Sallie Mae?
Our student loan customers benefit from. No origination fee Competitive interest rates. Multiple repayment options on loans for students 0. Attending school less than half time?
Differences between Sallie Mae private student loans and federal loans 9. Sallie Mae private student loans for degree-granting schools. Interest, Fixed, or Deferred Repayment Options available to students during school. Less-than-half-time enrollment eligibility. Student loan resources for students and parents. Understand student loans and borrowing Find out about different ways to borrow money to help pay for college. Decide how much to borrow in student loans Figure out how much college will cost, how much money you can put toward it, and what your funding gap will be.
Explore the College Planning Calculator Build a customized plan to determine costs and pay for college. Use our student loan repayment calculator Estimate what your monthly student loan payment might be with just a few pieces of information. Borrow responsibly We encourage students and families to start with savings, grants, scholarships, and federal student loans to pay for college. Students and families should evaluate all anticipated monthly loan payments, and how much the student expects to earn in the future, before considering a private student loan.
Interest is charged starting when funds are sent to the school. Variable rates may increase over the life of the loan. Advertised variable rates reflect the starting range of rates and may vary outside of that range over the life of the loan. Do not miss any payments. Paying your loans on time will help your credit score.
Within the grace period you may receive information about repayment from your lender. Find the right one for you. Most federal student loans are eligible for at least one income-driven or income-based repayment plan IBR.
These repayment plans are based on a percentage of your discretionary income. Your loan originator can answer your questions about repayment. If you don't know who your loan originator is:. To use this system, you will need to create an account that will allow you to:. If you and your loan servicer disagree about the balance or status of your loan, follow these steps to resolve your disputes:. Co-signer release not available to international students.
Lowest rates shown include the auto debit. Additional information regarding the auto debit discount: The borrower or cosigner must enroll in auto debit through Sallie Mae to receive a 0.
This benefit applies only during active repayment for as long as the Current Amount Due or Designated Amount is successfully withdrawn from the authorized bank account each month. It may be suspended during forbearance or deferment, if available for the loan.
Interest is charged starting when funds are sent to the school. Variable rates may increase over the life of the loan. Advertised variable rates reflect the starting range of rates and may vary outside of that range over the life of the loan.
Loan amounts: Loan amount cannot exceed the cost of attendance less financial aid received, as certified by the school. Sallie Mae reserves the right to approve a lower loan amount than the school-certified amount. Best for part-time students and those who want flexibility with repayment. One of the few lenders to provide loans to part-time students.
Borrowers can access online tutoring and free credit score tracking. All loans are subject to individual approval and adherence to underwriting guidelines. Program restrictions, other terms, and conditions apply. As certified by your school and less any other financial aid you might receive. Rates shown are for the College Ave Undergraduate Loan product and include autopay discount. The 0. Variable rates may increase after consummation. Your actual rates and repayment terms may vary.
Variable interest rates may increase after consummation. Approved interest rate will depend on the creditworthiness of the applicant s , lowest advertised rates only available to the most creditworthy applicants and require selection of full principal and interest payments with the shortest available loan term.
College Ave Student Loans is an online lender that offers student loans for undergraduates, graduate students and parents, plus student loan refinancing. More flexible repayment options than other lenders.
Six-month grace period extension is available. You must be at least halfway through your repayment term before you can request a co-signer release. Interest rates for variable rate loans are capped at Lowest rates are reserved for the most creditworthy borrowers. If approved for a loan, the interest rate offered will depend on your creditworthiness, the repayment option you select, the term and amount of the loan and other factors, and will be within the ranges of rates listed above.
The SoFi 0. The benefit will discontinue and be lost for periods in which you do not pay by automatic deduction from a savings or checking account. Enrolling in autopay is not required to receive a loan from SoFi.
SoFi Lending Corp. NMLS www. Best for flexible repayment options and no fees. Multiple in-school repayment options available, including interest-only and flat-fee, and deferred for undergrad and grad students. Additional perks like career planning, job search assistance and entrepreneurship support available.
Does not offer bi-weekly payments via autopay. The interest rate ranges shown for Discover represent the lowest and highest APRs offered on Discover student loans, including undergraduate, graduate, health professions, law and MBA loans.
Lowest fixed and variable starting APRs shown are available to the most creditworthy applicants for undergraduate loans and include an interest-only repayment discount and a 0. The fixed interest rate is set at the time of application and does not change during the life of the loan. This may cause the monthly payments to increase, the number of payments to increase or both. Our lowest APRs are only available to applicants with the best credit.
The APR will be determined after an application is submitted. If a student does not have an established credit history, the student may find it difficult to qualify for a private student loan on their own or receive the lowest advertised rate. Learn more about Discover Student Loans interest rates. Best for students who may need wiggle room on payments.
Aggregate loan limits apply. An option for borrowers who want flexible repayment. Option to skip one payment every 12 months. Nine-month grace period is longer than most lenders offer. Loans aren't available in Nevada.
Offered terms are subject to change and state law restriction. If you are approved for a loan, the interest rate offered will depend on your credit profile, your application, the loan term selected and will be within the ranges of rates shown. If you choose to complete an application, we will conduct a hard credit pull, which may affect your credit score.
Best for students who are already planning to use a co-signer and value customer support. You are assigned a dedicated Money Mentor. Loans aren't available in Nevada and Mississippi. Before applying for a private student loan, Citizens and Cognition Financial recommend comparing all financial aid alternatives including grants, scholarships, and both federal and private student loans.
Program restrictions and other terms and conditions apply. If approved, applicants will be notified of the rate applicable to your loan.
The LIBOR index is captured on the 25th day of the immediately preceding calendar month or if the 25th is not a business day. The variable interest rate will increase or decrease if the LIBOR index changes or if a new index is chosen. The applicable index or margin for variable rate loans may change over time and result in a different APR than shown. The fixed rate assigned to a loan will never change except as required by law or if you request and qualify for the auto pay discount.
The high variable rate APR assumes a 7-year term with the Full Deferment option, a 19 month deferment period, and a six-month grace period before entering repayment. The high fixed rate APR assumes a year term with the Full Deferment option, a 31 month deferment period, and a six-month grace period before entering repayment.
The low APRs assume a 7-year term, and the Immediate Repayment option with payments beginning days after the disbursement via auto pay. Auto pay yields a 0. The auto pay discount is not available when reduced payments are being made or when the loan is in a deferment or forbearance, even if payments are being made. Citizens is a brand name of Citizens Bank, N. Member FDIC. Loans aren't available in Arizona, Iowa or Wisconsin. Loans not available to borrowers with student visas.
Best for borrowers with a significant funding gap. You are assigned a student loan advisor. Minimum loan amount is larger than other private lenders. Best for high-achieving independent students enrolled in four-year programs who have small funding gaps.
You don't need a co-signer or credit history to get a loan. Loans aren't available in 19 states. Payment required while in school and during the grace period. Maximum funding amount is less than most lenders. Best for students who value working with a community bank or credit union.
Forbearance of 18 months is longer than many lenders offer. Best for independent students with strong credit or upperclassmen with good grades. Grace period of 9 months is longer than most lenders. International students are not eligible.
Freshmen, sophomores and those enrolled less than half-time are not eligible for future-income based loan. No minimum for future-income based loan. Best for students with a creditworthy co-signer. Offers a hard-to-find option: non-co-signed student loans for international and DACA students. Borrowers are assigned a dedicated student loan advisor.
Forbearance of 24 months is longer than many lenders offer, and borrowers can access national disaster forbearance as well. Offers only one repayment term: 10 years.
Best for low-interest loans with consumer-friendly features, like a generous forbearance policy. Forbearance of 24 months is longer than many lenders offer.
Best for nontraditional or part-time students. Forbearance of 24 months is twice as long as most lenders. Loans may not be available depending on where you live or go to school. Fewer repayment terms than other lenders offer. Maximum depends on creditworthiness and debt-to-income ratio. Income share agreements give you money to finish school in return for part of your pay later. Lending decisions are not based on your credit score. You receive free career services, including job placement support.
Funding may not be available based on your school or major. Eligibility is based on factors like academic program and projected salary, not credit score.
Best for graduate students who want flexible payment options. Grace period of 9 months is longer than many lenders offer. You must be enrolled at least half-time to qualify. Best for graduate students who'll need extra time before starting repayment.
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