Skip Navigation
Edvisors Star Logo
Edvisors Logo
  • Compare Lenders
    • PRIVATE STUDENT LOANS
    • REFINANCE STUDENT LOANS

    featured articles

    • Best Private Student Loans for June 2025
    • Student Loan Comparison: Federal Loans vs Private Loans
    • Parent PLUS Loans vs Private Student Loans
    • How Does Interest on Student Loans Work?
    • Private Student Loan Cosigner: Everything you Need to Know
    • View All Articles >
    College Ave Student Loans

    Variable rates as low as: 4.24% APR1

    Fixed rates as low as: 3.24% APR1

    Apply Now

    featured articles

    • Compare Lenders
    • Best Student Loan Refinance Companies for June 2025
    • Federal Student Loan Repayment Plans
    • Student Loan Forgiveness: How to Get Student Loans Forgiven
    • Repayment Plans for Private Student Loans
    • Parent PLUS Loan Forgiveness
    • View All Articles >
    Earnest Private Student Loan

    Variable rates as low as: 5.88% APR (with Autopay)*

    Fixed rates as low as: 4.35% APR (with Autopay)*

    Apply Now
  • Scholarships
    • COLLEGE GRANTS
    • COLLEGE SCHOLARSHIPS
    • EMPLOYER
    • MILITARY

    featured articles

    • What's the difference between scholarships and grants?
    • Graduate Fellowships
    • View All Articles >
    Enter to Win $2,500 to Help Pay for College

    featured articles

    • How to Find Scholarships
    • Top Tips for Winning Scholarships for College
    • Apply for Free Scholarships for College
    • Most Popular Scholarships for College Students in 2025
    • View All Articles >
    Enter to Win $2,500 to Help Pay for College

    featured articles

    • What is Federal Work Study Program?
    • Employer Tuition Assistance Programs: How Do They Work?
    • View All Articles >
    Enter to Win $2,500 to Help Pay for College

    featured articles

    • GI Bill
    • Military Service Academies
    • ROTC Scholarships
    • View All Articles >
    Enter to Win $2,500 to Help Pay for College
  • Plan for College
    • CAREERS
    • COLLEGE ADMISSIONS
    • FAFSA
    • SCHOLARSHIPS
    • PAYING FOR COLLEGE
    • STUDENT LIFE BLOG

    featured articles

    • Best Job Search Sites June 2025
    • Resumes That Get Noticed
    • High Paying Careers
    • STEM Careers
    • View All Articles >
    Are you ready for college? You are with GradGuard

    featured articles

    • Determining College Academic Fit: Reach, Match and Safety Schools
    • Need-Blind Admissions
    • How Long is a College Essay
    • When are College Applications Due
    • How to Write a Good College Essay
    • View All Articles >
    Enter to Win $2,500 to Help Pay for College

    featured articles

    • Filing the FAFSA 2025-2026: A Simple Guide for Students
    • FAFSA Deadlines for 2025-2026
    • FAFSA FAQ - Your FAFSA Questions Answered
    • View All Articles >
    Enter to Win $2,500 to Help Pay for College

    featured articles

    • Most Popular Scholarships for College Students in 2025
    • Apply for Free Scholarships for College
    • College Scholarships for Kids
    • Most Prestigious Undergraduate Scholarships
    • Las mejores becas para estudiantes hispanos y latinos
    • View All Articles >
    Enter to Win $2,500 to Help Pay for College

    featured articles

    • How to Pay for College
    • Tuition Payment Plans
    • Pros and Cons: Borrowing From My 401K to Pay for College
    • Paying College Tuition with a Credit Card
    • Best Ways to Pay for College Without Financial Aid
    • View All Articles >
    Enter to Win $2,500 to Help Pay for College

    featured articles

    • Financial Aid Disbursement: When and How You Will Get It
    • Should I Pay Off My Student Loans Right Now
    • How to Minimize Student Loan Debt
    • View All Articles >
    Are you ready for college? You are with GradGuard
  • Student Loans
    • FAFSA
    • PRIVATE STUDENT LOANS
    • FEDERAL STUDENT LOANS
    • REPAY STUDENT LOANS
    • LENDER REVIEWS

    featured articles

    • Filing the FAFSA 2025-2026: A Simple Guide for Students
    • FAFSA FAQ - Your FAFSA Questions Answered
    • FAFSA Deadlines for 2025-2026
    • FAFSA School Codes
    • FAFSA 2023-2024 Guide & Resources
    • View All Articles >
    College Ave Student Loans

    Variable rates as low as: 4.24% APR1

    Fixed rates as low as: 3.24% APR1

    Apply Now

    featured articles

    • Best Private Student Loans for June 2025
    • Student Loan Comparison: Federal Loans vs Private Loans
    • Parent PLUS Loans vs Private Student Loans
    • How Does Interest on Student Loans Work?
    • Private Student Loan Cosigner: Everything you Need to Know
    • View All Articles >
    College Ave Student Loans

    Variable rates as low as: 4.24% APR1

    Fixed rates as low as: 3.24% APR1

    Apply Now

    featured articles

    • Filing the FAFSA 2025-2026: A Simple Guide for Students
    • FAFSA FAQ - Your FAFSA Questions Answered
    • The complete guide to federal undergraduate student loans
    • What are Federal Parent PLUS Loans and How to Apply
    • Financial Aid for Graduate School
    • Compare Subsidized and Unsubsidized Student Loans
    • View All Articles >
    College Ave Student Loans

    Variable rates as low as: 4.24% APR1

    Fixed rates as low as: 3.24% APR1

    Apply Now

    featured articles

    • Best Student Loan Refinance Companies for June 2025
    • Federal Student Loan Repayment Plans
    • Student Loan Forgiveness: How to Get Student Loans Forgiven
    • Repayment Plans for Private Student Loans
    • Should You Refinance Federal Student Loans?
    • Parent PLUS Loan Forgiveness
    • View All Articles >
    Enter the Repayment Relief Sweepstakes

    featured articles

    • Sallie Mae Student Loan Review
    • College Ave Student Loan Review
    • SoFi Student Loan Review
    • Ascent Student Loan Review
    • View All Articles >
    College Ave Student Loans

    Variable rates as low as: 4.24% APR1

    Fixed rates as low as: 3.24% APR1

    Apply Now
  • Credit Cards
    • CARD REVIEWS
    • BEST CREDIT CARDS
    • CREDIT CARD FAQS

    featured articles

    • Petal® 2 Visa® Credit Card Review
    Self Credit Builder: Build Credit. Build Savings. Build Dreams.

    featured articles

    • Best Credit Cards for 2025
    • Best Cash Back Credit Cards
    • Best 0% Introductory APR Credit Cards
    • Best Secured Credit Cards for 2025
    • Best Balance Transfer Credit Cards
    Self Credit Builder: Build Credit. Build Savings. Build Dreams.

    featured articles

    • How to Build Credit?
    • What Age Can You Get a Credit Card?
    • What is a Secured Credit Card?
    • What is an Unsecured Credit Card?
    Self Credit Builder: Build Credit. Build Savings. Build Dreams.
  • Money Management
    • BANKING
    • BUDGETING
    • SAVING
    • DEBT MANAGEMENT
    • CREDIT
    • INVESTING
    • RISK MANAGEMENT

    featured articles

    • What is Online Banking
    • Student Checking Accounts
    • Debit Cards with Rewards
    • View All Articles >
    Chase College Checking Visa Debit

    featured articles

    • Best Budgeting Apps June 2025
    • Budgeting Tips
    • Budgeting for Beginners
    • View All Articles >
    Change Your Relationship With Money

    featured articles

    • Financial Goals
    • How to Save Money as a College Student
    • What is an Emergency Fund
    • View All Articles >
    Change Your Relationship With Money

    featured articles

    • How to Pay Off Debt
    • Debt Relief
    • What is a Debt Management Plan
    • View All Articles >
    Change Your Relationship With Money

    featured articles

    • How to Check Your Credit Score
    • Best Credit Building Apps June 2025
    • What is Credit?
    • View All Articles >
    Self Credit Builder: Build Credit. Build Savings. Build Dreams.

    featured articles

    • Investing for Beginners
    • Best Investment Apps June 2025
    • Understanding the Stock Market
    • View All Articles >
    Change Your Relationship With Money

    featured articles

    • What is Risk Management
    • How to Prevent Identity Theft
    • What is Insurance
    • View All Articles >
    Change Your Relationship With Money
  • Student LIFE Blog
  • Compare Lenders
    • Private Student Loans
    • Refinance Student Loans
  • Scholarships
  • Plan for College
  • Student Loans
  • Credit Cards
  • Money Management
  • Student LIFE Blog
Login
Register
  • Dashboard
  • My Profile
  • Logout
Search Box Form
Win a $2,500 Scholarship
Need money for college? Enter our monthly scholarship sweepstakes.
Enter Now
Advertiser Disclosure
×

Edvisors (“Edvisors Network, Inc.”) provides independent advertising-supported platforms for consumers to search compare and apply for private student loans. Loan offers from participating lenders that appear on our websites are not affiliated with any college and/or universities, and there are no colleges and/or universities which endorse Edvisors’ products or services. Lender search results do not constitute an official college preferred lender list. Edvisors receives compensation from lenders that appear on this site. This compensation may impact the placement of where lenders appear on this site, for example, the order in which the lenders appear when included in a list. Not all lenders participate in our sites and lenders that do participate may not offer loans to every school.

Edvisors is not a lender and makes no representations or warranties about your eligibility for a particular loan or financial aid. Lenders are solely responsible for any and all credit decisions, loan approval and rates, terms and other costs of the loan offered and may vary based upon the lender you select. Please check with your school or lender directly for information related to your personal eligibility.

Edvisors has endeavored to provide accurate information. However, the results provided by lenders are for illustrative purposes only and accuracy is not guaranteed, as such, Edvisors assumes no responsibility for errors or omission in the information provided.

Advertiser Disclosure
×

Edvisors (“Edvisors Network, Inc.”) provides independent advertising-supported websites. The Edvisors websites’ goal is to provide relevant and helpful content and comparison tools to better assist consumers to search and compare financial products or services. The offers, products or services listed on our websites are from third-party advertisers or companies from which Edvisors receives compensation. This compensation may impact the placement of where products or advertisements appear on this site, for example, the order in which the products appear when included in a list. Not all providers participate in our sites and providers that do participate may not offer the entire suite of applicable credit cards or financial products provided by the provider or available in the marketplace.

Edvisors is not a lender and makes no representations or warranties about your eligibility for a particular credit card, financial product, or service. The third-party providers are solely responsible for any and all credit decisions, loan approval and rates. Terms and other costs of the credit card or financial product may vary based upon the provider you select. Not all consumers will qualify for the advertised rates and terms.

Edvisors does not purport to offer financial advice related to the purchase or sale of financial products or services. We are not an investment, brokerage, or financial advisory service. Information provided with respect to financial products and services are solely intended for educational purposes. In addition, we recognize each person may have unique and individualized financial needs and we recommend and encourage you to seek the expert advice of qualified professionals regarding your specific financial needs.

Edvisors has endeavored to provide accurate, up to date information. However, because credit card offers and financial products change frequently and do not originate with us, we recommend you check the offering provider for complete terms and conditions, rates, costs, and other fees. Providers do not commission, review or approve the information available on the site. Information provided on the site is for illustrative purposes only and accuracy is not guaranteed, as such, Edvisors assumes no responsibility for errors or omission in the information provided.

Except as expressly set forth in our Terms of Use, all representations and warranties regarding the information presented on our websites are disclaimed.

×
Get Your Free Guide to Filing the FAFSA Today!

Thank you for your interest in Edvisors' 2020-2021 Guide to Filing the FAFSA.

Please complete the form below to access your free copy.

Thank you! Click here to download your free FAFSA Guide.

I am a:

×
College knowledge starts here!

Enter your email below to receive your Student Loan Handbook from Edvisors.

Please check your email for the Student Loan Handbook.

After Navigation
Home » Student Loans » Federal Student Loans » Student Loan Borrowing Limits in 2025
  • Contents
  • Is There a Limit On Student Loans?
  • How Student Loan Limits are Calculated
  • Private Student Loan Limits
  • Federal Student Loan Limits
  • Direct Subsidized and Unsubsidized Loan Limits
  • Direct Unsubsidized Loan Limits for Health Profession Students
  • Other Direct Loan Limits
  • If Parents Refuse to File the FAFSA
  • Increased Direct Unsubsidized Loan Limits for Dependent Undergraduate Students
  • Prorated Annual Loan Limits for Undergraduate Students
  • Direct PLUS Loan Limits
  • Direct Consolidation Loan Limits
  • Recommendations
  • What to Read Next

Student Loan Borrowing Limits in 2025?

Photo of Elaine Rubin
By Elaine Rubin
Updated on April 3, 2025
Email This Article
Fill out the form below to send a copy of this article to your email.
By clicking "Submit" I have read and agree to the Edvisors' Terms of Use and Privacy Policy. We strongly encourage you to read our Privacy Policy to understand how we use and share your information.
A copy of this article has been sent to your email.

 

Smiling girl enters the Edvisors $2,500 Scholarship on Laptop

Don't Miss Out - $2,500 Could Be Yours

You were so close!

Our $2,500 scholarship is still open. It takes less than 2 mins to enter.

No GPA, No Essay.

Just complete your quick entry before this month's deadline!

Enter Now
But How Much?

Fill out your loan details and calculate what your monthly payment will be.

Disclaimer
Student Loan Payment Calculator Disclaimer

This calculator is provided for informational purposes only. Calculated results are based on many factors, including the assumptions provided by the user. We cannot and do not provide any guarantees, conditions or warranties as to result accuracy or applicability to the user's particular circumstances. It is the responsibility of the user to verify that all of the output and resulting calculations are correct. This calculator should not be used by anyone to make material financial decisions and should be used solely for informational purposes. Actual terms will be set by your lender or your school. We encourage any user to seek personalized advice from qualified professionals regarding all personal finance issues. The results of this calculator are not based on any information provided by or an affiliation with any school.

Summary: Each student loan has borrowing limits. Annual limits determine the amount you can borrow for a single academic year, while aggregate limits set a maximum on your total borrowing throughout the loan program. Furthermore, the loan amount can’t go over your school’s official cost of attendance once other financial aid is deducted.

Key Takeaways about Student Loan Limits
 
  • Federal student loan limits are determined by the type of loan, the student’s dependency status, and the student’s grade level, and past borrowing history.
  • Dependent undergraduates may borrow up to $31,000 in federal student loans.
  • Independent undergraduates may borrow up to $57,500 in federal student loans.
  • Graduate or professional students may borrow up to $138,500 in federal student loans, and certain health profession students may borrow up to $224,000.

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. Apply Now with Sallie Mae.

Is There a Limit On Student Loans?

Yes. Most student loans have several types of limits on the amount you can borrow.

Annual Student Loan Limits

An annual limit specifies the maximum amount you can borrow in a single academic year in each loan program for which you are eligible. 

Aggregate Student Loan Limits

An aggregate limit, sometimes called a cumulative limit, specifies the total amount you are allowed to borrow through each loan program. One of the most common loan programs, the federal Direct Stafford Loan program. 

Cost of Attendance Loan Limits

Your school's financial aid office cannot provide financial aid that exceeds your cost of attendance, which includes tuition, fees, housing, meals, transportation, and more. Financial aid is usually awarded in the order of scholarships, grants, work-study aid, and then student loans as needed. The cost of attendance (COA) dictates the maximum total cost after deducting other forms of financial assistance you may receive. This COA limit complements or replaces the annual loan limit to ensure that all aid, including student loans, stays within your school's determined budget for attendance.

Remember, making informed decisions about how to finance your education can significantly impact your financial well-being long after graduation. 

How Student Loan Limits are Calculated

When you take out a student loan, both the annual and aggregate loan limits are applied to the loan amount. Each type of loan limit represents a restriction on the amount you can borrow.

Sometimes, you may want to borrow an amount that satisfies the annual limit, but you will qualify for a lower amount because your total debt would exceed the aggregate loan limit. You will then be restricted to the lower loan amount.

For example:

The Direct Unsubsidized Loan has annual limits for dependent undergraduate students based on the student’s year in school. The 2025 - 2026 loan limits are:

  • $5,500 for freshmen
  • $6,500 for sophomores
  • $7,500 per year for juniors, seniors, and any additional undergraduate years of study

The Direct Unsubsidized Loan also has an aggregate loan limit of $31,000 for dependent undergraduate students.

Suppose a dependent undergraduate student in a 5-year engineering degree program borrows the annual maximum for each of the first four years, for a total of $27,000. During the student’s fifth year the annual limit would be $7,500. However, as the next table shows, the remaining aggregate loan eligibility is only $4,000 after the end of the fourth year. So, the student can’t borrow the $7,500 annual maximum as a fifth-year senior. Instead, this student can borrow no more than $4,000.

Student Loan Limits By College Year
Year Annual Limit Amount Borrowed Aggregate Debt Remaining Aggregate Loan Eligibility
First Year (Freshman) $5,500 $5,500 $5,500 $25,500
Second Year (Sophomore) $6,500 $6,500 $12,000 $19,000
Third Year (Junior) $7,500 $7,500 $19,500 $11,500
Fourth Year (Senior) $7,500 $7,500 $27,000 $4,000
Fifth Year (Senior) $7,500 $4,000 $31,000 $0

Private Student Loan Limits

Private student loans come with an annual limit based on the cost of attendance minus other financial aid, such as federal student loans. Undergraduates usually have aggregate loan limits from $75,000 to $120,000, while graduate and professional students may qualify for higher limits. Remember, these limits cover all student loan debt - both federal and private loans combined.

Instantly Compare Lenders

Medical and dental residency and relocation loans and law bar study loans typically have annual loan limits that are 50% lower than the annual loan limits for students who are currently enrolled in school.

Even though you are working with a private student loan lender, your school will still certify the total amount you are able to borrow. Your school will let your lender know if adjustments needs to be made in order to ensure you are not offered financial aid (which includes student loans) in excess of your cost of attendance minus other aid received. 

Ascent's private student loan gives students more opportunities to qualify for a loan with benefits that put students first, like 1% Cash Back at graduation and more… Learn More About Ascent

Federal Student Loan Limits

A federal student loan limit isn’t the amount you will be able to borrow, it’s the maximum the school can approve you to borrow. Your school might give you less than the loan limit.

The annual and aggregate borrowing limits on federal student loans vary based on several factors:

  • Loan Program (Direct Subsidized Loan, Direct Unsubsidized Loan, or Direct PLUS Loan)
  • Dependency Status (Dependent or Independent)
  • Year in School or Grade Level (Freshman, Sophomore, Junior, Senior, or Graduate Student)
  • Health Professional Student

If your grade level changes in the middle of the academic year, you may qualify for higher annual loan limits. You would then be eligible to borrow the difference between the new annual loan limit and the amount you already borrowed during the same academic year.

Similar rules apply to transfer students. Transferring from one school to another does not reset the loan limits. This can get a little tricky is you are transferring in the middle of an academic year. Your school will essentially let you borrow the difference between your annual loan limit at the new school and the amount received at the previous school. All loans borrowed through a loan program (i.e., Direct Stafford Loans) will count towards your aggregate loan limit.  

Loan fees (which may be added to the loan balance) and capitalized interest do not count against the loan limits.

Direct Subsidized and Unsubsidized Loan Limits

Your school's financial aid office determines how much you will be able to borrow each year. This amount might be less than the annual loan limit.

When it comes to the Direct Stafford Loan program, it's important to remember there are two types of loans in the this loan program: Direct Subsidized Loans and Direct Unsubsidized loans. Although these loans are part of the same program, Direct Subsidized Loans have their own limits. 

Eligibility for Direct Subsidized Loans is based on demonstrated financial need, up to the annual and aggregate loan limits. (As of July 1, 2012, students attending graduate school or professional school are no longer eligible to borrow new Direct Subsidized Loans.)

One more thing to keep in mind, beyond annual and aggregate loan limits, there is a maximum eligibility period for you to receive Direct Subsidized Loans. For first-time borrowers whose first loan was obtained on or after July 1, 2013, there is a maximum eligibility period of time that you can receive Direct Subsidized loan funds. You are only able to receive Direct Subsidized loans for no more than 150% of the published length of your program.

For example, if you are enrolled in a four-year degree program, the maximum amount of time you can receive Direct Subsidized loan funds is 150% of four years, which is six years.

Eligibility for Direct Unsubsidized Loans does not depend on demonstrated financial need.

Aggregate loan limits, sometimes referred to as cumulative limits, may be refreshed by repaying the debt. So, if you have hit the aggregate loan limit, you will need to pay down your loan before you will be eligible to borrow more.

The aggregate loan limits for students attending graduate school or professional school students include any undergraduate federal student loan debt.

Borrowing Limits for Direct Subsidized and Unsubsidized Loans

Direct Subsidized and Unsubsidized Loan Program Annual Loan Limits

 

Direct Unsubsidized Loan Limits for Health Profession Students

Health profession students, such as students enrolled in medical school, are eligible for higher Direct Loan limits.

There are two different levels of increased loan limits, depending on the area of study (see table). These limits are available only to health profession students enrolled at U.S. colleges and universities. Students enrolled at foreign institutions are not eligible.

Health Professions Loan Limits
Health Professions Programs Eligible for Higher
Direct Unsubsidized Loan Limits
Direct Unsubsidized Loan Limit
9-Month Academic Year
Direct Unsubsidized Loan Limit
12-Month Academic Year
  • Doctor of Allopathic Medicine
  • Doctor of Osteopathic Medicine
  • Doctor of Dentistry
  • Doctor of Veterinary Medicine
  • Doctor of Optometry
  • Doctor of Podiatric Medicine
  • Doctor of Naturopathic Medicine
  • Doctor of Naturopathy
$40,500 $47,167
  • Doctor of Pharmacy
  • Graduate in Public Health
  • Doctor of Chiropractic
  • Doctoral Degree in Clinical Psychology
  • Masters/Doctoral Degree in Health Administration
$33,000 $37,167

Some schools may also offer 10-month or 11-month academic programs, which would have different annual limits than those listed here. Check with your school’s financial aid office to get the limits for your program.

Other Direct Loan Limits

Additional Loan Funds for Preparatory Coursework

  • All students: Up to $2,625 for coursework required for enrollment in an undergraduate degree or certificate program
  • Bachelor’s degree recipients: Up to $5,500 for coursework required for enrollment in a graduate or professional degree or certificate program
  • Bachelor’s degree recipients: Up to $5,500 for state-required teacher certification coursework

These loan funds are limited to a period of 12 consecutive months. Any loans received for preparatory coursework will be counted towards your Direct Loan aggregate loan limits. 

If Parents Refuse to File the FAFSA

If the parents of a dependent undergraduate student decline to complete the FAFSA (Free Application for Federal Student Aid), the college's financial aid administrator may still permit the student to borrow additional Direct Unsubsidized Loans, even if the FAFSA is incomplete. Keep in mind that the student will not be eligible for the Direct Subsidized Loan, the Federal Pell Grant, or other types of federal student aid.

Increased Direct Unsubsidized Loan Limits for Dependent Undergraduate Students

There are times when a dependent student can become eligible for the same Direct Unsubsidized Loan limits as independent students:

  • Parents are denied eligibility for a Parent PLUS Loan
  • Other documented "exceptional circumstances," even if parents aren't denied eligibility for a Parent PLUS Loan

In some exceptional circumstances, college financial aid administrators may allow a dependent undergraduate student to borrow at the higher Direct Unsubsidized Loan limits available to independent students without requiring the parent to obtain a denial of a Parent PLUS Loan. For example, you would need to successfully qualify for a dependency override. 

College financial aid administrators aren't required to make the student eligible for the higher loan limits, even if exceptional circumstances exist.

Prorated Annual Loan Limits for Undergraduate Students

Annual loan limits for Direct Loans are prorated (adjusted) for undergraduate students who are enrolled in programs that are:

  • Shorter than one academic year; or
  • Remaining period of study is shorter than one academic year

For example, if an undergraduate student in a 4-year Bachelor’s degree program will be graduating at the end of the fall semester (halfway through the academic year), the student is eligible for half of the annual loan limit for seniors.

Half-time students are eligible for the same annual loan limits as full-time students.

Direct PLUS Loan Limits

The annual loan limit for the Direct PLUS Loan (Parent PLUS Loan or Grad PLUS Loan) is the annual cost of attendance minus other aid received during the enrollment period. There is no aggregate loan limit. The loan limits are the same for both parents of undergraduate students as well as graduate students.

Direct Consolidation Loan Limits

There are no limits on Direct Consolidation Loans (also known as Federal Consolidation Loans), other than the underlying limits on the loans included in the consolidation loan.

Recommendations

  1. File the FAFSA every year to maintain your eligibility for student aid.
  2. When you compare different types of student loans, make sure you understand both the annual and aggregate loan limits.
  3. If you are a dependent undergraduate student and your parents won’t qualify for a Parent PLUS Loan due to an adverse credit history, encourage them to apply anyway because a denial will make you eligible for the same Direct Loan limits as an independent student.
  4. If you’ve hit the annual and/or aggregate limits on federal loans, but you still need additional funds to complete your education, consider private student loans as a potential option.

Compare Featured Lenders

Why These Lenders Are Shown?

Edvisors (Edvisors Network, Inc.) provides independent advertising-supported platforms for consumers to search compare and apply for private student loans.

College Ave Student Loans

Fixed APR 3.24% - 17.99%1
Variable APR 4.24% - 17.99%1
Apply Now
Featured Lender
College Ave Student Loans
  • Competitive APRs starting at 3.24%1
  • Coverage up to 100% of your school-certified cost of attendance ($1,000 minimum) 2
  • Apply online in 3 minutes and get an instant credit decision

College Ave's student loan products are made available through Firstrust Bank, member FDIC, First Citizens Community Bank, member FDIC, or M.Y. Safra Bank, FSB, member FDIC. All loans are subject to individual approval and adherence to underwriting guidelines. Program restrictions, other terms, and conditions apply.

1All rates include the auto-pay discount. The 0.25% auto-pay interest rate reduction applies as long as a valid bank account is designated for required monthly payments. If a payment is returned, you will lose this benefit. Variable rates may increase after consummation.

2As certified by your school and less any other financial aid you might receive. Minimum $1,000.

3This informational repayment example uses typical loan terms for a freshman borrower who selects the Flat Repayment Option with an 8-year repayment term, has a $10,000 loan that is disbursed in one disbursement and a 7.78% fixed Annual Percentage Rate (“APR”): 54 monthly payments of $25 while in school, followed by 96 monthly payments of $176.21 while in the repayment period, for a total amount of payments of $18,266.38. Loans will never have a full principal and interest monthly payment of less than $50. Your actual rates and repayment terms may vary.

Information advertised valid as of 05/29/2025. Variable interest rates may increase after consummation. Approved interest rate will depend on creditworthiness of the applicant(s), lowest advertised rates only available to the most creditworthy applicants and require selection of the Flat Repayment Option with the shortest available loan term.

Sallie Mae Logo

Fixed APR 3.19% - 16.99%1
Variable APR 4.37% - 16.49%1
Cosigner Recommended
Apply Now
Featured Lender
Sallie Mae Logo
  • Choose the #1 Private Student Loan Lender in the Nation. Sallie Mae is trusted by more families than any other private student loan lender.
  • Applying online is easy - you could receive a credit result in about 10 minutes.2

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.

Explore federal loans and compare to make sure you understand the terms and features. Private student loans that have variable rates can go up over the life of the loan. Federal student loans are required by law to provide a range of flexible repayment options, including, but not limited to, income -based repayment and income-contingent repayment plans, and loan forgiveness and deferment benefits, which other student loans are not required to provide. Federal loans generally have origination fees, but are available to students regardless of income.

Loans for Undergraduate & Career Training Students are not intended for graduate students and are subject to credit approval, identity verification, signed loan documents, and school certification. Student must attend a participating school. Student or cosigner must meet the age of majority in their state of residence. Students who are not U.S. citizens or U.S. permanent residents must reside in the U.S., attend school in the U.S., apply with a creditworthy cosigner (who must be a U.S. citizen or U.S. permanent resident), and provide an unexpired government-issued photo ID. Requested loan amount must be at least $1,000.

1Advertised APRs for undergraduate students assume a $10,000 loan to a student who attends school for 4 years and has no prior Sallie Mae-serviced loans. Interest rates for variable rate loans may increase or decrease over the life of the loan based on changes to the 30-day Average Secured Overnight Financing Rate (SOFR) rounded up to the nearest one-eighth of one percent.  Advertised variable rates are the starting range of rates and may vary outside of that range over the life of the loan. Interest is charged starting when funds are sent to the school. With the Fixed and Deferred Repayment Options, the interest rate is higher than with the Interest Repayment Option and Unpaid Interest is added to the loan’s Current Principal at the end of the grace/separation period. To receive a 0.25 percentage point interest rate discount, the borrower or cosigner must enroll in auto debit through Sallie Mae. The discount 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.

2Although we do not charge a penalty or fee if you prepay your loan, any prepayment will be applied as outlined in your promissory note-first to Unpaid Fees and costs, then to Unpaid Interest, and then to Current Principal.

3Based on a comparison of the percentage of students who were approved for any Sallie Mae loan with a cosigner to the percentage of students who were approved without a cosigner from October 1, 2023 to September 30, 2024.

4For applications submitted directly to Sallie Mae, loan amount cannot exceed the cost of attendance less financial aid received, as certified by the school.  Applications submitted to Sallie Mae through a partner website will be subject to a lower maximum loan request amount.  Miscellaneous personal expenses (such as a laptop) may be included in the cost of attendance for students enrolled at least half-time.

Examples of typical transactions for a $10,000 Smart Option Student Loan with the most common fixed rate, Fixed Repayment Option, two disbursements, a 4-year in-school period, and a 6-month grace: For a borrower with the shortest loan term, it works out to 10.28% fixed APR, 51 payments of $25.00, 119 payments of $182.67 and one payment of $121.71, for a total loan cost of $23,134.44. For a borrower with the longest loan term, it works out to 10.38% fixed APR, 51 payments of $25.00, 179 payments of $150.72 and one payment of $45.51, for a total loan cost of $28,299.39. Loans that are subject to a $50 minimum principal and interest payment amount may receive a loan term that is less than 10 years. A variable APR may increase over the life of the loan. A fixed APR will not.

Information advertised valid as of 06/23/2025.

Edvisors is not the creditor for these loans and is compensated by Sallie Mae for the referral of Sallie Mae loan customers.

SALLIE MAE RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS, SERVICES, AND BENEFITS AT ANY TIME WITHOUT NOTICE.

© 2025 Sallie Mae Bank. Sallie Mae loans are made by Sallie Mae Bank. Sallie Mae, the Sallie Mae logo, and other Sallie Mae names and logos are service marks or registered service marks of Sallie Mae Bank. All other names and logos used are the trademarks or service marks of their respective owners.

SLM Corporation and its subsidiaries, including Sallie Mae Bank, are not sponsored by or agencies of the United States of America. W646400 0325

Earnest Private Student Loan

Fixed APR 3.24% - 16.49%1
Variable APR 4.99% - 16.85%1
Apply Now
Featured Lender
Earnest Private Student Loan
  • Check your eligibility in just 2 minutes
  • No fees for origination, disbursement, prepayment, or late payment3
  • Skip a payment once per year (once repayment period restarted)4

This information is for graduate and undergraduate students attending participating degree-granting schools, and the rates displayed combine the fixed and variable rate ranges for undergraduate and graduate students. Because of this, you may see a different fixed and variable rate range when you apply for a loan on the Earnest website. Borrowers must be U.S. citizens or U.S. permanent residents if the school is located outside of the United States. Non-U.S. citizen borrowers who reside in the U.S. are eligible with a creditworthy cosigner (who must be a U.S. citizen or U.S. permanent resident) and are required to provide an unexpired government-issued photo ID to verify identity. Applications are subject to a requested minimum loan amount of $1,000. Current credit and other eligibility criteria apply.

Actual rate and available repayment terms will vary based on your financial profile. Fixed annual percentage rates (APR) range from 3.49% to 16.74% (3.24% - 16.49% with auto pay discount). Variable annual percentage rates (APR) range from 5.24% to 17.10% (4.99% - 16.85% with auto pay discount). Earnest variable interest rate student loans are based on a publicly available index, the 30-day Average Secured Overnight Financing Rate (SOFR) published by the Federal Reserve Bank of New York. The variable rate is based on the rate published on the 25th day, or the next business day, of the preceding calendar month, rounded to the nearest hundredth of a percent. The rate will not increase more than once a month, but there is no limit on the amount that the rate could increase at one time. Please note, Earnest Private Student Loans are not available in Nevada. Our lowest rates are only available for our most credit qualified borrowers and requires selection of our shortest term offered (5 years), full principal and interest payment while in school, and enrollment in our .25% auto pay discount from a checking or savings account. Enrolling in autopay is not required as a condition for approval.

1You can take advantage of the Auto Pay interest rate reduction by setting up and maintaining active and automatic ACH withdrawal of your loan payment. The interest rate reduction for Auto Pay will be available only while your loan is enrolled in Auto Pay. Interest rate incentives for utilizing Auto Pay may not be combined with certain private student loan repayment programs that also offer an interest rate reduction. For multi-party loans, only one party may enroll in Auto Pay.

2Nine-month grace period is not available for borrowers who choose our Principal and Interest Repayment plan while in school.

3Earnest does not charge fees for origination, late payments, or prepayments. Florida Stamp Tax: For Florida
residents, Florida documentary stamp tax is required by law, calculated as $0.35 for each $100 (or portion thereof) of the principal loan amount, the amount of which is provided in the Final Disclosure. Lender will add the stamp tax to the principal loan amount. The full amount will be paid directly to the Florida Department of Revenue. Certificate of Registration No. 78-8016373916-1.

4Earnest clients may skip one payment every 12 months. Your first request to skip a payment can be made once you’ve made at least 6 months of consecutive on-time payments, and your loan is in good standing. The interest accrued during the skipped month will result in an increase in your remaining minimum payment. The final payoff date on your loan will be extended by the length of the skipped payment periods. Please be aware that a skipped payment does count toward the forbearance limits. Please note that skipping a payment is not guaranteed and is at Earnest’s discretion. Your monthly payment and total loan cost may increase as a result of postponing your payment and extending your term.

1.) Earnest’s Loan Cost Examples: These examples provide estimates based on principal and interest payments beginning immediately upon loan disbursement. Variable annual percentage rate ("APR"): A $10,000 loan with a 15-year term (180 monthly payments of $152.84) and a 16.85% APR would result in a total estimated payment amount of $27,511.20. For a variable loan, after your starting rate is set, your rate will then vary with the market. Fixed APR: A $10,000 loan with a 15-year term (180 monthly payments of $152.84) and a 16.85% APR would result in a total estimated payment amount of $27,511.20.

2.) These examples provide estimates based on interest only payments while in school. Variable interest rate: A $10,000 loan with a 15-year term (180 monthly payments of $152.84) and a 16.85% interest rate (16.85% APR) would result in a total estimated payment amount of $35,515.14. For a variable loan, after your starting rate is set, your rate will then vary with the market. Fixed interest rate: A $10,000 loan with a 15-year term (180 monthly payments of $152.84) and a 16.85% interest rate (16.85% APR) would result in a total estimated payment amount of $35,515.14. Your actual repayment terms may vary. Other repayment options are available. The calculation assumes that the “in-school” period is 4 years (48 months) and includes our 9 month grace period, during which the monthly payment will be $140.42 for 57 months.

3.) These examples provide estimates based on fixed $25 payments while in school. Variable interest rate: A $10,000 loan with a 15-year term (180 monthly payments of $253.39) and a 16.85% interest rate (14.92% APR) would result in a total estimated payment amount of $47,035.20. For a variable loan, after your starting rate is set, your rate will then vary with the market. Fixed interest rate: A $10,000 loan with a 15-year term (180 monthly payments of $253.39) and a 16.85% interest rate (14.92% APR)would result in a total estimated payment amount of $47,035.20. Your actual repayment terms may vary. Other repayment options are available.The calculation assumes that the “in-school” period is 4 years (48 months) and includes our 9 month grace period, during which the monthly payment will be $25.00.

4.) These examples provide estimates based on deferred payments. Variable interest rate: A $10,000 loan with a 15-year term (180 monthly payments of $275.17) and a 16.85% interest rate (14.67% APR) would result in a total estimated payment amount of $49,530.60. For a variable loan, after your starting rate is set, your rate will then vary with the market. Fixed interest rate: A $10,000 loan with a 15-year term (180 monthly payments of $275.17) and a 16.85% interest rate (14.67% APR) would result in a total estimated payment amount of $49,530.60. Your actual repayment terms may vary. Other repayment options are available. It is important to note that the 0.25% Auto Pay discount is not available while loan payments are deferred. The calculation assumes that the “in-school” period is 4 years (48 months) and includes our 9 month grace period, during which the monthly payment will be $0.

The information provided on this page is updated as of 06/24/2025. Earnest reserves the right to change, pause, or terminate product offerings at any time without notice.

Earnest Private Student Loans are made by One American Bank, Member FDIC, or FinWise Bank, Member FDIC. One American Bank, 515 S. Minnesota Ave, Sioux Falls, SD 57104. Finwise Bank, 756 East Winchester, Suite 100, Murray, UT 84107.

Earnest loans are serviced by Earnest Operations LLC, 300 Frank H. Ogawa Plaza, Suite 340, Oakland 94612. NMLS #1204917, with support from Higher Education Loan Authority of the State of Missouri (MOHELA) (NMLS# 1442770) One American Bank, FinWise Bank, and Earnest LLC and its subsidiaries, including Earnest Operations LLC, are not sponsored by agencies of the United States of America.

© 2025 Earnest LLC. All rights reserved.

THIS IS AN ADVERTISEMENT. YOU ARE NOT REQUIRED TO MAKE ANY PAYMENT OR TAKE ANY OTHER ACTION IN RESPONSE TO THIS OFFER.

Ascent offers loans that power bright futures

Fixed APR 3.39% - 15.13%*
Variable APR 4.70% - 14.85%*
Cosigner Recommended
Apply Now
Featured Lender
Ascent offers loans that power bright futures
  • AFFORDABLE fixed rates starting at 3.39% APR with Automatic Debit Discount*
  • 1% CASH BACK Graduation Reward*
  • COVER UP TO 100% of your tuition and eligible living expenses.

* Ascent’s undergraduate and graduate student loans are funded by Bank of Lake Mills or DR Bank, each Member FDIC. Loan products may not be available in certain jurisdictions. Certain restrictions, limitations, terms and conditions may apply for Ascent's Terms and Conditions please visit: AscentFunding.com/Ts&Cs. Annual Percentage Rates (APRs) displayed above are effective as of 6/1/2025 and reflect an Automatic Payment Discount of 0.25% on credit-based college student loans submitted prior to 6/1/2025, a 0.5% discount for on credit-based college student loans submitted on or after 6/1/2025 and a 1.00% discount on outcomes-based loans when you enroll in automatic payments. Loans subject to individual approval, restrictions and conditions apply. Loan features and information advertised are intended for college student loans and are subject to change at any time. For more information, see repayment examples or review the Ascent Student Loans Terms and Conditions. The final amount approved depends on the borrower’s credit history, verifiable cost of attendance as certified by an eligible school and is subject to credit approval and verification of application information. Lowest interest rates require full principal and interest (Immediate) payments, the shortest loan term, a cosigner, and are only available for our most creditworthy applicants and cosigners with the highest average credit scores. Actual APR offered may be higher or lower than the examples above, based on the amount of time you spend in school and any grace period you have before repayment begins. Variable rates may increase after consummation. 1% Cash Back Graduation Reward subject to terms and conditions. For details on Ascent borrower benefits, visit AscentFunding.com/BorrowerBenefits. Ascent applicants and borrowers that agree to the AscentUP Terms of Service and Privacy Policy, as well as students associated with an Ascent parent loan application, have access to the AscentUP platform.

The minimum amount is $2,001 except for the state of Massachusetts. Minimum loan amount for borrowers with a Massachusetts permanent address is $6,001.

Refinance student loans with SoFi

Fixed APR 3.54% - 15.99%*
Variable APR 4.64% - 15.99%*
Apply Now
Featured Lender
Refinance student loans with SoFi
  • All online, all easy.
  • SoFi private student loans cover up to 100% of school-certified costs.
  • No fees required.
  • Repay your way with flexible repayment options (find the monthly student loan payment and rate that fits your budget).
  • Applying with a cosigner may increase your chances of approval and getting a better rate.*
  • Over 1 million students have chosen SoFi.

SoFi Private Student Loan

Undergraduate, Graduate, MBA, Law, Health Interest Rates: Eligibility and Important Details. Fixed rates range from 3.54% APR to 15.99% APR with 0.25% autopay discount. Variable rates range from 4.64% APR to 15.99% APR with a 0.25% autopay discount. Unless required to be lower to comply with applicable law, Variable Interest rates are capped at 17.95%. SoFi rate ranges are current as of 1/7/25 and are subject to change at any time. Your actual rate will be within the range of rates listed above and will depend on the term and type of repayment option you select, evaluation of your creditworthiness, income, presence of a co-signer (if applicable) and a variety of other factors. Lowest rates reserved for the most creditworthy borrowers. Check out our eligibility criteria at https://www.sofi.com/eligibility-criteria/. For the SoFi variable-rate product, the variable interest rate for a given month is derived by adding a margin to the 30-day average SOFR index, published two business days preceding such calendar month, rounded up to the nearest one hundredth of one percent (0.01% or 0.0001). APRs for variable-rate loans may increase after origination if the SOFR index increases. The SoFi 0.25% autopay interest rate reduction requires you to agree to make monthly principal and interest payments by an automatic monthly deduction from a savings or checking account. This benefit will discontinue and be lost for periods in which you do not pay by automatic deduction from a savings or checking account. The benefit lowers your interest rate but does not change the amount of your monthly payment. This benefit is suspended during periods of deferment and forbearance. Autopay is not required to receive a loan from SoFi. SoFi Private Student loans are originated by SoFi Bank, N.A. Member FDIC. NMLS #696891 (www.nmlsconsumeraccess.org).

Parent

Interest Rates: Eligibility and Important Details. Fixed rates range from 5.74% APR to 16.85% APR with a 0.25% autopay discount. Variable rates range from 6.07% APR – 16.85% APR with a 0.25% autopay discount. Unless required to be lower to comply with applicable law, Variable Interest rates are capped at 17.95%. SoFi rate ranges are current as of 1/7/25 and are subject to change at any time. Your actual rate will be within the range of rates listed above and will depend on the term and type of repayment option you select, evaluation of your creditworthiness, income, presence of a co-signer (if applicable) and a variety of other factors. Lowest rates reserved for the most creditworthy borrowers. Check out our eligibility criteria at https://www.sofi.com/eligibility-criteria/. For the SoFi variable-rate product, the variable interest rate for a given month is derived by adding a margin to the 30-day average SOFR index, published two business days preceding such calendar month, rounded up to the nearest one hundredth of one percent (0.01% or 0.0001). APRs for variable-rate loans may increase after origination if the SOFR index increases. The SoFi 0.25% autopay interest rate reduction requires you to agree to make monthly principal and interest payments by an automatic monthly deduction from a savings or checking account. This benefit will discontinue and be lost for periods in which you do not pay by automatic deduction from a savings or checking account. The benefit lowers your interest rate but does not change the amount of your monthly payment. This benefit is suspended during periods of deferment and forbearance. Autopay is not required to receive a loan from SoFi.

Please borrow responsibly. SoFi Private Student loans are not a substitute for federal loans, grants, and work-study programs. We encourage you to evaluate all your federal student aid options before you consider any private loans, including ours. Read our FAQs.

Terms and Conditions Apply. SOFI RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS AND BENEFITS AT ANY TIME WITHOUT NOTICE. SoFi Private Student loans are subject to program terms and restrictions, such as completion of a loan application and self-certification form, verification of application information, the student's at least half-time enrollment in a degree program at a SoFi-participating school, and, if applicable, a co-signer. In addition, borrowers must be U.S. citizens or other eligible status, be residing in the U.S., Puerto Rico, U.S. Virgin Islands, or American Samoa, and must meet SoFi’s underwriting requirements, including verification of sufficient income to support your ability to repay. Minimum loan amount is $1,000. See SoFi.com/eligibility for more information. Lowest rates reserved for the most creditworthy borrowers. SoFi reserves the right to modify eligibility criteria at any time. This information is current as of 4/22/2025 and is subject to change. SoFi Private Student loans are originated by SoFi Bank, N.A. Member FDIC. NMLS #696891. (www.nmlsconsumeraccess.org).

Elfi

Fixed APR 3.69% - 14.22%*
Variable APR 5.00% - 13.97%*
Apply Now
Featured Lender
Elfi
  • Prequalification: Prequalify to estimate your rate without affecting your credit score
  • Online Application Process: Submit online application in minutes
  • Flexible Repayment Options: ELFI offers immediate, interest only, partial payment, and fully deferred repayment options
  • No Fees: No application fees, origination fees, or prepayment penalties
  • Low Rates: Fixed rates from 3.69% to 14.22% and variable rates from 5.00% - 13.97%*
  • Award winning Customer Service: Individually paired Student Loan Advisor to guide you through the application process

*ELFI is a nationwide student loan provider offered by Tennessee based SouthEast Bank. ELFI is designed to assist students financially with receiving their education. Subject to credit approval. See Terms & Conditions. Interest rates current as of 01-01-2025. Variable interest rates may increase after closing but will never exceed 18.00%. Interest rates may also differ from the rates shown above. The term of your loan, financial history, and other factors, including your cosigner’s (if any) financial history can affect the interest rate. For example, a 10-year loan with a fixed rate of 7% would have 120 payments of $11.61 per $1,000 borrowed. Rates are subject to change.

 

What to Read Next

Best Private Student Loans for June 2025

Undergraduate Student Loans

Student Loans for College

Private Parent Student Loans

Parent PLUS Loans

Financial Aid for Graduate School

 

Related Content

What are Federal Parent PLUS Loans and How to Apply?
Elaine Rubin
April 08, 2025
Learn how who is eligible to borrow a Parent PLUS Loan, what to consider, and how to apply.
Read Article
Financial Aid for Graduate School
Edvisors Network
April 03, 2025
First, start by filing the FAFSA to apply for federal student loans. There are thousands of scholarships and grants available for graduate students as well.
Read Article
Student Loans for Graduate School
Elaine Rubin
April 16, 2025
Graduate students can borrow federal and private student loans. Federal student loans include Direct Unsubsidized Loans and Grad PLUS Loans. Private student loans are also available and may offer more competitive rates.
Read Article
Subsidized vs Unsubsidized Student Loans
Elaine Rubin
December 04, 2024
The federal student loan program offers a variety of options. It can seem overwhelming, and tricky to navigate, but it doesn't have to be. Learn more about your options and compare the loans to find out which one is right for you.
Read Article
The Complete Guide to Federal Undergraduate Student Loans
Elaine Rubin
April 03, 2025
Get your federal undergraduate student loan questions answered with our complete guide!
Read Article
Could You Be Saving More?
Subscribe to Edvisors' Student LIFE Newsletter to receive up-to-date financial aid information and advice, explore scholarship opportunities, loan repayment options, and learn expert strategies on how to plan and pay for college.
Newsletter Form
By clicking "Subscribe" I have read and agree to the Edvisors' Terms of Use and Privacy Policy. We strongly encourage you to read our Privacy Policy to understand how we use and share your information.
Thank you for subscribing to our newsletter.
We care about your privacy

This website uses cookies to offer you the most relevant marketing and targeted advertisements which in some states may be considered a sale of your personal information. You may exercise your right to opt out by clicking on deny cookies. Please accept cookies for the optimal experience. You can withdraw or modify your consent for non-essential cookies at any time by visiting Cookie Settings page

This website uses cookies for targeted advertising which in some states may be considered a sale of your personal information. You may opt out by clicking on deny cookies. Please accept cookies for the optimal experience. You can change your consent for such cookies via the Cookie Settings page

Edvisors
  • About Us
  • Official Rules
  • Careers
  • Team
  • Testimonials
Resources
  • Blog
  • Newsletter
  • Tools and Calculators
  • Video Resources
  • Financial Terms Glossary
  • Site Map
Media
  • Edvisors In the News
  • Press
Contact Us
  • Help
  • Ask the Edvisor
  • Student Aid FAQ
  • Directions
Partners
  • Advertise
  • Become an Affiliate
  • Link to Us
Legal
  • Terms of Use
  • Privacy
  • Consumer Health Privacy Notice
  • General Website Disclaimer
  • Accessibility Statement
  • Interest-Based Ads
  • Notice at Collection
  • Cookie Settings
  • Your Privacy Choices Your Privacy Choices Icon

Better Business Bureau logo

Edvisors provides expert advice on planning and paying for college. On Edvisors.com easily compare student loan lenders, learn how to apply for financial aid, and discover scholarships. Learn about federal and private student loans for students and parents, how and when to apply to college, and more!

Edvisors (“Edvisors Network, Inc.”) provides independent advertising-supported platforms for consumers to search compare and apply for private student loans. Loan offers from participating lenders that appear on our websites are not affiliated with any college and/or universities, and there are no colleges and/or universities which endorse Edvisors’ products or services. Lender search results do not constitute an official college preferred lender list. Edvisors receives compensation from lenders that appear on this site. This compensation may impact the placement of where lenders appear on this site, for example, the order in which the lenders appear when included in a list. Not all lenders participate in our sites and lenders that do participate may not offer loans to every school.

Edvisors is not a lender and makes no representations or warranties about your eligibility for a particular loan or financial aid. Lenders are solely responsible for any and all credit decisions, loan approval and rates, terms and other costs of the loan offered and may vary based upon the lender you select. Please check with your school or lender directly for information related to your personal eligibility.

Edvisors has endeavored to provide accurate information. However, the results provided by lenders are for illustrative purposes only and accuracy is not guaranteed, as such, Edvisors assumes no responsibility for errors or omission in the information provided.

Copyright © 1998-2025 by Edvisors Network, Inc. All rights reserved.

All other trademarks and service marks displayed on Edvisors Network, Inc. websites are the property of their respective owners.

Edvisors Network, Inc. 350 S. Rampart Blvd, Suite 200, Las Vegas, NV 89145

Copyright © 2025 by Edvisors.com. All rights reserved.

×

Edvisors $2,500 Scholarship


Have you entered the monthly $2,500 scholarship?

 Hammer about to break a piggy bank

Don't break the bank just yet! You could win $2,500.


Enter Now