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What are my private student loan options?

Compare Private Student Loan Lenders

student loan interest rates for 2020

Lender
Benefits

Sallie Mae Student Loans

  • Variable Rates: 1.25% APR - 11.15% APR (lowest rate shown includes the auto debit discount). Fixed rates also available.1
  • Choose from multiple repayment options, including no payments while in school1
  • The only undergraduate student loan that offers 4 months of Chegg® study help --a $100 value6
Learn More »

Sallie Mae® Smart Option Student Loan® for Undergraduate Students

When grants, scholarships, and federal aid are not enough, choose the Smart Option Student Loan® for Undergraduate Students. You can apply for the money you need for college, and the flexibility you want.

  • Competitive variable rate starting from 1.25% APR to 11.15% APR (Competitive fixed rates also available. Lowest rate shown includes the auto debit discount.)1
  • No origination fee and no prepayment penalties2
  • Easy online application accessible on all devices
  • Get a 0.25 percentage point interest rate reduction while enrolled in and making monthly payments by automatic debit3
  • You can apply for the funds you need to cover all your school-certified expenses for the entire school year including tuition, fees, books, supplies, housing, meals, travel, and even a laptop whether you're studying online or on campus4
  • Applying with a cosigner may help you get a better rate
  • You may apply to release your cosigner from the loan after you graduate, make 12 on-time principal and interest payments and meet certain credit requirements5
Sallie Mae Student Loan Full Terms and Information

College Ave Student Loans

  • Competitive fixed and variable APRs starting at 1.24%1
  • Multiple repayment options including: full principal and interest, interest-only, deferred, and flat payment
  • Flexible payment terms ranging from 5, 8, 10, and 15 years2
  • Coverage up to 100% of your school-certified cost of attendance ($1,000 minimum)3
  • No origination, application and processing fees, no fees for early repayment
  • Apply online in 3 minutes and get an instant credit decision
Learn More »

Get the money you need for school quickly and at a great price.

  • Low rates, free to apply, and no disbursement fees
  • 0.25% interest rate reduction when you make payments by automatic debit1
  • Borrow up to 100% of the school-certified cost of attendance (minimum $1,000)3
  • The most repayment choices - and help making sense of them
  • No penalty for early repayment

We get it. You want to pay as little interest as possible and have monthly payments you can afford. That's why the College Ave Student Loan Product has low rates and multiple repayment options to help you manage the total cost of the loan.

College Ave Student Loan Full Terms and Information

U-fi from Nelnet Student Loans

  • Variable rates as low as 1.23% APR1 with no origination or application fees
  • Fixed rates as low as 3.55% APR1 with no origination or application fees
  • Apply with a cosigner to get your best rate
Learn More »

A U-fi From Nelnet Student Loan covers costs that aren’t met by federal student loans, grants, or scholarships. Offering low rates, no origination fees, and multiple repayment options, U-fi From Nelnet supports the diverse needs of today’s student borrower.

Benefits

  • Variable rates as low as 1.23% APR1
  • Fixed rates as low as 3.55% APR1
  • Borrow what you need - from $1,000 up to the cost of your attendance2
  • Apply with a cosigner for the best rate and lower payments. Then, take responsibility of the loan with cosigner release3 after 24 consecutive, on-time payments.
  • Flexible repayment options, including immediate repayment, interest-only repayment, and deferred repayment
  • No origination or application fees

Apply with a Cosigner for the Best Rate

Cosigners help you qualify for private student loans and may help reduce your interest rate. As a student, it’s likely you’ll need a trusted individual with a solid credit score to act as your cosigner.

U-fi Student Loan Full Terms and Information

NC Assist Loans from College Foundation, Inc.

  • COVER UP TO 100% of your school-certified college costs including tuition, housing, books and more1
  • FIXED RATES AS LOW AS 4.50%2
  • PAY AFTER LEAVING SCHOOL - Students may choose from in-school or deferred repayment options3
  • ZERO FEES - No application, origination, or disbursement fees. No prepayment penalty if you choose to pay your loan off early
  • NONPROFIT LENDER, College Foundation, Inc., services NC students attending any school and out-of-state students attending NC schools
Learn More »

NC Assist Loans feature competitive fixed rates, zero loan fees, a 0.25% rate reduction for auto-draft, and are serviced by your NC nonprofit lender.

NC Assist from College Foundation, Inc. Full Terms and Information

Discover® Student Loans

  • Cover up to 100% of your school-certified college costs including tuition, housing, books and more.1
  • Get a one-time cash reward for good grades.2
  • Variable rates: 1.24% - 12.49% APR3 (lowest APRs shown for Discover Student Loans are available for the most creditworthy applicants for undergraduate loans, and include an interest-only repayment discount and a 0.25% interest rate reduction while enrolled in automatic payments)
  • Choose from in-school or deferred repayment options, and there is never a penalty for prepayment.
  • $0 fees for the life of your loan including no application, origination or late fees.
  • Apply now in 15 minutes or less.
Learn More »

Discover® Student Loans

  • Discover Student Loans provides options for Associate or Bachelor's degree programs at eligible colleges and for Masters and Doctoral degree candidates at eligible graduate schools.
  • You can borrow up to 100% of your school-certified costs (including tuition, housing, books and more). Aggregate loan limits apply.
  • Apply today! Choice of great fixed or variable interest rates.
  • Count on $0 fees, including application, origination or late fees.
  • You have the option to make either interest-only or $25 fixed, monthly payments while in school and during the grace period to lower the overall loan cost. However, you can also choose to defer payments, meaning that monthly payments are not required until after the grace period or enrollment drops below half-time.
  • Get a one-time cash reward for each new Discover undergraduate and graduate student loan when you get at least a 3.0 GPA (or equivalent). Reward redemption period is limited.2
  • 6-month grace period for undergraduate loans and 9-month grace period for graduate loans.
  • By adding a cosigner, you may improve your likelihood for loan approval and may lower your interest rate.
  • Applying online is quick and easy and our knowledgeable, US-based Student Loan Specialists are ready to help you anytime 24/7. Tools and information at DiscoverStudentLoans.com can help students and parents through each step of the process — from exploring financial aid to repaying student loans.
Discover Student Loan Full Terms and Information

Brazos Parent Loan

  • Fixed rate loans starting at 2.99% APR (includes 0.25% ACH benefit1
  • Variable rate loans starting at 2.91% APR (includes 0.25% ACH benefit2
  • Zero Fees
  • Multiple terms available
  • Easy online application process
  • For Texas residents only
Learn More »

Brazos Parent Loan

  • Fixed rate loans starting at 2.99% APR (includes 0.25% ACH benefit1
  • Variable rate loans starting at 2.91% APR (includes 0.25% ACH benefit2
  • Zero Fees
  • Multiple terms available
  • Easy online application process
  • For Texas residents only
Brazos Parent Loan Full Terms and Information

Stride Funding Income Share Agreements

  • No interest payments!1
  • Payments based on a fixed percentage of future income.
  • Never pay more than you can afford.
Learn More »

Stride Funding Income Share Agreements

Stride Funding offers students flexible ways to pay for their education with Income Share Agreements (ISAs).

  • No interest payments!1
  • Payments based on a fixed percentage of future income.
  • Never pay more than you can afford.
  • Innovative alternative to traditional student loans.
  • Grace period after graduation before payments begin.
  • Pause payments for certain life events.
  • Graduate students or second Bachelor's only (Must have Bachelor's degree).
Stride Funding Income Share Agreement Full Terms and Information

Ascent Student Loans

  • Affordable rates starting at 2.71% with Automatic Debit Discount*
  • 1% Cash Back Graduation Reward*
  • NON-COSIGNED option may be available for undergraduate juniors and seniors.
  • PAY AFTER LEAVING SCHOOL – Customize your loan with flexible repayment options – start payments after graduation.
  • FORGET FEES – No application, origination or disbursement fees. No prepayment penalty if you choose to pay your loan off early.
  • COVER UP TO 100% of your tuition and eligible living expenses.
Learn More »

Ascent Cosigned & Non-Cosigned Student Loans

Student loans should expand your possibilities, not limit them. Ascent’s private student loan gives students more opportunities to qualify for a loan! Ascent offers benefits that put students first, like 1% Cash Back at graduation and more…

Finally, a loan designed with you in mind.

  • Affordable rates starting at 2.71% with Automatic Debit Discount*
  • 1% Cash Back Graduation Reward*
  • NON-COSIGNED option may be available for eligible undergraduate juniors and seniors.
  • PAY AFTER LEAVING SCHOOL – Customize your loan with flexible repayment options – start payments after graduation.
  • FORGET FEES – No application, origination or disbursement fees. No prepayment penalty if you choose to pay your loan off early.
  • COVER UP TO 100% of your tuition and eligible living expenses.
Ascent Student Loan Full Terms and Information

How much will my monthly payment be?

Private student loan payments are based on the amount borrowed, the interest rate and the length of the loan term.

What are my private student loan options?


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