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Home Student Loans Lender Reviews Iowa Student Loan Review
  • Contents
  • Who is Iowa Student Loan Corporation (ISL)?
  • Iowa Student Loans (ISL)
  • What is Iowa Student Loan (ISL) Refinancing?
  • In-School Refinance
  • Student Loan Refinance
  • Parent Loan Refinance
  • Medical Professional Refinance
  • Medical Resident Refinance
  • Iowa Student Loan Corporation Customer Service
  • Iowa Student Loan Corporation Headquarters

Iowa Student Loan Review

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By Edvisors Network
Updated on October 6, 2022
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Who is Iowa Student Loan Corporation (ISL)?

Iowa Student Loan (ISL) was created in 1979 and offers a variety of student loan products from private loans all the way to scholarships. In 40 years, Iowa Student Loan Co. has grown to manage $2.6 billion in student loans. Iowa Student Loan Corporation operates as a 501 (c)(3) tax-exempt, non-profit organization.

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Iowa Student Loans (ISL)

Iowa Student Loans, or ISL, offers loans for undergraduate and graduate students throughout the country. In addition to in-school loans, the company also provides student loan refinancing with their Reset Refinance Loan.

Undergraduate and Graduate Student Loans

ISL offers both traditional private student loans, as well as a no-cosigner private student loan options. Their Partnership Advance Education Loan is a national loan for undergraduate students and cosigners. And their Partnership No-Cosigner Loan is for full-time college juniors or higher (including graduate students) enrolled at an Iowa college or university who meet specific criteria. These loans can help pay for tuition, books, fees, and other expenses. Interest rates can be either fixed or variable.

Undergraduate and graduate student loans come with three repayment options:

  • Immediate payment: Make payments while still in school
  • Interest-only payments: Make payments on your student loan interest only while in college
  • Deferred payment option: Defer your payments until after college

Compare Featured Lenders

College Ave Student Loans

Recommendation
Best for Private Loans
Interest Rates

Variable rates as low as: 4.74% APR1

Fixed rates as low as: 4.74% APR1

Repayment Terms

5, 8, 10 or 15 years2

Apply Now More Info
College Ave Student Loans
  • Competitive fixed and variable APRs starting at 4.74%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

College Ave Student Loans 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.

1Rates shown are for the College Ave Undergraduate Loan product and include autopay discount. The 0.25% auto-pay interest rate reduction applies as long as a valid bank account is designated for required monthly payments. Variable rates may increase after consummation.

2This informational repayment example uses typical loan terms for a freshman borrower who selects the Deferred Repayment Option with a 10-year repayment term, has a $10,000 loan that is disbursed in one disbursement and a 8.35% fixed Annual Percentage Rate (“APR”): 120 monthly payments of $179.18 while in the repayment period, for a total amount of payments of $21,501.54. Loans will never have a full principal and interest monthly payment of less than $50. Your actual rates and repayment terms may vary.

3As certified by your school and less any other financial aid you might receive. Minimum $1,000.

Information advertised valid as of 03/01/2023. 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.

Cosigner Recommended

Sallie Mae Private Student Loans

Recommendation
Best for Private Loans
Interest Rates

Variable Rates: 5.62% APR - 15.95% APR1

Fixed Rates: 4.50% APR - 14.83% APR1

Repayment Terms

10-15 Years6

(undergraduate)

Apply Now More Info
Sallie Mae Private Student Loans
  • Variable Rates: 5.62% APR - 15.95% APR. Fixed Rates: 4.50% APR - 14.83% APR. Lowest rates shown include 0.25% interest rate discount with auto debit payments.1
  • Apply online in minutes and receive an instant credit result2
  • Multiple repayment options from in-school payments to deferred.1 No origination fee or prepayment penalty3
  • Last year, students were 4x more likely to be approved with a cosigner4 and it may help you get a better rate.
  • Borrow up to 100% of school-certified expenses, whether you're online or on campus5

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.

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.

2In 2021, instant credit decisions were provided to 97% of applicants.  Other applications typically received credit decisions in 3 to 5 business days.

3Although 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.

4Based on a comparison of approval rates for Sallie Mae Smart Option Student Loans for Undergraduate Students who applied with a cosigner versus without a cosigner during a rolling 12-month period from October 1, 2020 through September 30, 2021. 

5 For 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 may be subjected 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. 

6 Examples of typical costs for a $10,000 Smart Option Loan with the most common fixed rate, fixed repayment option, 6-month separation period, and two disbursements: For a borrower with no prior loans and a 4-year in-school period, it works out to a 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 $20,000 in prior loans and a 2-year in-school period, it works out to a 10.78% fixed APR, 27 payments of $25.00, 179 payments of $132.53 and one payment of $40.35 for a total loan cost of $24,438.22. Loans that are subject to a $50 minimum principal and interest payment may receive a loan term that is less than 10 years. 

Information advertised valid as of 03/27/2023

SALLIE MAE RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS, SERVICES, AND BENEFITS AT ANY TIME WITHOUT NOTICE. CHECK SALLIEMAE.COM FOR THE MOST UP-TO-DATE PRODUCT INFORMATION.

Smart Option Student 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.

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

© 2023 Sallie Mae Bank. All rights reserved. SLM Corporation and its subsidiaries, including Sallie Mae Bank are not sponsored by or agencies of the United States of America.

Earnest Private Student Loan

Recommendation
Best for Private Loans
Interest Rates

Graduate Rates

Fixed: 4.45% - 14.15% APR1

Variable:4.99% - 12.29%APR1 

Undergraduate Rates

Fixed: 4.45% - 14.60%APR1

Variable: 4.99% - 14.40%APR1 

Repayment Terms

5, 7, 10,15 or 20 years

Apply Now More Info
Earnest Private Student Loan
  • Check your eligibility in just 2 minutes
  • Flexible repayment options you can choose from
  • No fees for origination, disbursement, prepayment, or late payment3
  • Skip a payment once per year (once repayment period restarted)4
  • Will cover up to 100% of the school's certified cost of attendance
  • 9-month grace period (3 months more than most lenders)2

This information is for graduate and undergraduate students attending participating degree-granting schools. 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 income. Fixed rates range from 4.70% APR to 14.85% APR (excludes 0.25% Auto Pay discount). Variable rates range from 5.24% APR to 14.65% APR (excludes 0.25% Auto Pay discount). Earnest variable interest rate student loan origination 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 per month. Although the rate will vary after you are approved, it will never exceed 36% (the maximum allowable for this loan). Please note, Earnest Private Student Loans are not available in Nevada. Our lowest rates are only available for our most credit qualified borrowers and contain our .25% auto pay discount from a checking or savings account. It is important to note that the 0.25% Auto Pay discount is not available while loan payments are deferred.

 

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.

The information provided on this page is updated as of 03/08/2023. Earnest reserves the right to change, pause, or terminate product offerings at any time without notice.

Earnest loans are originated by Earnest Operations LLC. California Finance Lender License 6054788. NMLS # 1204917. Earnest Operations LLC is located at 303 2nd Street, Suite 401N, San Francisco, CA 94107. Terms and Conditions apply. Visit https://www.earnest.com/terms-of-service, e-mail us at [email protected], or call 888-601-2801 for more information.

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

 

 

Sallie Mae Private Student Loans

Recommendation
Best for Private Loans
Interest Rates

Variable rates as low as: 4.99% APR (with autopay)*

Fixed rates as low as: 4.49% APR (with autopay)*

Repayment Terms

Up to four repayment types (including no payments while in school) and multiple repayment terms help you find the loan that fits your budget

Apply Now More Info
Sallie Mae Private Student Loans
  • Variable Rates: Starting variable rates range from 4.99% APR - 13.13% APR (with autopay)*, and will never exceed 13.95% (sometimes lower in certain states as required by law)
  • Fixed Rates: Fixed rates range from 4.49% APR to 13.98% APR (with autopay)*
  • Easy online application!
  • No origination fees, late fees, and no insufficient fund fees. Period
  • Up to four repayment types (including no payments while in school) and multiple repayment terms help you find the loan that fits your budget
  • 0.25% discount when you set up autopay*

*UNDERGRADUATE LOANS: Fixed rates from 4.49% to 13.98% annual percentage rate ("APR") (with autopay), variable rates from 4.99% to 13.13% APR (with autopay). GRADUATE LOANS: Fixed rates from 5.25% to 13.60% APR (with autopay), variable rates from 5.49% to 13.07% APR (with autopay). PARENT LOANS: Fixed rates from 6.50% to 13.98% APR (with autopay), variable rates from 6.32% to 13.13% APR (with autopay). 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. Interest rates for variable rate loans are capped at 13.95%, unless required to be lower to comply with applicable law. 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 0.25% 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. The benefit will discontinue and be lost for periods in which you do not pay by automatic deduction from a savings or checking account. Information current as of 01/30/2023.

Terms and Conditions Apply. SOFI RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS AND BENEFITS AT ANY TIME WITHOUT NOTICE. To qualify, a borrower must be a U.S. citizen or other eligible status and meet SoFi's underwriting requirements. Not all borrowers receive the lowest rate. To qualify for the lowest rate, you must have a responsible financial history and meet other conditions. If approved, your actual rate will be within the range of rates listed above and will depend on a variety of factors, including term of loan, evaluation of your creditworthiness, years of professional experience, income, and a variety of other factors. Rates and Terms are subject to change at anytime without notice and are subject to state restrictions. SoFi refinance loans are private loans and do not have the same repayment options that the federal loan program offers, or may become available, such as Income Based Repayment or Income Contingent Repayment or PAYE. Licensed by the Department of Financial Protection and Innovation under the California Financing Law License No. 6054612. SoFi loans are originated by SoFi Lending Corp., NMLS # 1121636. (www.nmlsconsumeraccess.org)

Parent/Family Loan

The College Family Loan is designed for parents and family members who wish to help an undergraduate or graduate student finance their college education.

The College Family Loan comes with three repayment options:

  • Immediate payment: Make payments while still in school
  • Interest-only payments: Make payments on your student loan interest only while in college
  • Deferred payment option: Defer your payments until after college

What is Iowa Student Loan (ISL) Refinancing?

Iowa Student Loan offers the Reset Refinance Loan with competitive fixed rates, no origination fees, pre-payment fees, or late fees. There are student loan refinance products available for:

  • Student Loans
  • Parent Loans
  • Medical Residents
  • Medical and Dental Professionals
  • In-School Students

Could student loan refinancing save you money?
Learn More

In-School Refinance

The Reset Refinance Loan for In-School Borrowers is available to current students or parents who wish to refinance their current student loan for a lower interest rate. ISL is one of the only lenders that provides this option. Most lenders require you to wait until you have finished school to refinance. With ISL you can get your rate in less than a minute without impacting your credit score. Apply with a cosigner for the best possible rates.

Student Loan Refinance

The Reset Refinance loan is available to college graduates wishing to refinance their student loans for a better interest rate. With ISL you can get your rate in less than a minute without affecting your credit score. Apply with a cosigner for the best possible rates. This loan comes with a fixed interest rate and multiple repayment options to choose from.

Parent Loan Refinance

You can refinance Parent PLUS Loans, as well as private student loans, for a better interest rate with ISL. The parent refinance loan is available with a fixed interest rate and multiple repayment options. There is no origination fee and there are no prepayment penalties or late charges. Pre-qualify online without impacting your credit score.

Medical Professional Refinance

The Reset Refinance Loan for Medical and Dental professionals is intended to help those with medical or dental school debt refinance their student loans for a lower interest rate. These fixed rate loans offer multiple repayment options and no origination, prepayment fees or penalties. Pre-qualify online without impacting your credit score.

Medical Resident Refinance

The Reset Refinance loan for Medical Residents is geared toward helping future doctors lower their student loan interest rate while in residency. This option allows the borrow to make a low monthly payment of $75 throughout residency and fellowship. This loan also features a fixed interest rate, multiple repayment options and no origination or prepayment fees or late charges.

Pros Cons
Non-profit lender offering competitive rates Some products limited to 
 You can utilize two cosigners Must have 670-700 FICO Score
 No origination, application, prepayment or late fees Most loan products offer fixed rates only
 24-month cosigner release  

Iowa Student Loan Corporation Customer Service

Iowa Student Loan Corp has a variety of customer service options available in the form of a phone call Monday-Friday, email, physical locations, fax and mail depending on what you may need assistance with.

Iowa Student Loan Corporation Headquarters

Iowa Student Loan Liquidity Corporation headquarters are in West Des Moines, Iowa.

 
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Compare the best private student loans. Learn about top private lenders who will offer you competitive rates and benefits and how you can easily apply online in minutes.
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Ascent Student Loan Review
By Edvisors Network
08/04/2020
Learn more about private student loan lender, Ascent, including their product offerings and how they give back to the community.
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College Ave Student Loan Review
By Edvisors Network
07/17/2020
Learn more about College Ave and their undergraduate, graduate, and parent student loan options.
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Sallie Mae Student Loan Review
By Edvisors Network
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Sallie Mae is the leading bank in education finance. Learn more about their wide variety of student loan offerings and how to apply online in just minutes.
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Wells Fargo Student Loan Review
By Edvisors Network
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For the 2020-2021 academic school year, Well Fargo is only extending student loans to existing borrowers. Learn more about their student loan program.
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SoFi Student Loan Review
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SoFi offers a variety of student loan products with an all online application and no fees. Find out more about SoFi student loans and how SoFi gives back.
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Earnest Student Loan Review
By Edvisors Network
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Earnest provides a wide variety of loans including undergraduate, graduate, medical and law school. Learn more about Earnest, their products, and their flexible repayment terms.
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Laurel Road Student Loan Review
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Laurel Road offers in-school and refinance student loans. Laurel Road offers multiple student loan products to choose from and an online application process.
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Citizens Bank Student Loan Review
By Edvisors Network
11/10/2020
Citizens Bank offers in school private student loans as well as student loan refinancing. Learn more about their products and benefits.
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