Name |
Loan |
Limits |
Rates (Min/Avg/Max) |
Fees |
Term |
Citizens Bank
Citizens Bank offers loan options for undergrad, grad students and parents with competitive rates, flexible terms and interest rate discounts.
As the only lender to offer multi-year approval on the Citizens Bank Student Loan,® qualified borrowers can secure funding for multiple years in school, without completing a full application each year and impacting their credit score.
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Choose between our student or parent loan options with competitive interest rates and flexible payment terms.
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Loans from $1,000 to $225,000 depending on education level |
Variable rates as low as 3.78% APR6 and fixed rates as low as 5.25% APR6 including all available discounts
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No application fees |
5, 10, or 15 year options available
Rate and Repayment Examples |
College Ave Student Loans
College Ave Student Loans offers loan options for undergrads, grad students and parents. Our loans are designed to give you great rates plus the most repayment options so you can create a loan that fits your monthly budget while paying as little interest as possible.
Our simple application process takes just 3 minutes to complete and get an instant credit decision. Not sure which repayment plan is right for you? Our student loan calculator and free credit pre-qualification tool can help.
College Ave Student Loan products are made available through either Firstrust Bank, Member FDIC or The Middlefield Banking company, member FDIC. All loans are subject to individual approval and adherence to underwriting guidelines. Program restrictions, other terms, and conditions apply.
For footnotes, please refer to the links for product specifics (undergraduate, graduate or parent).
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Undergraduate Student Loan
Help cover tuition and other education costs for students in associates and bachelors degree programs.
You decide whether to make loan payments during school:
- Full Principal and interest payments
- Interest only payments
- $25 payments each month during school3
- Defer payments while in school
| COA-Aid ($2,000 minimum)2 |
Variable Rates: 4.04%-11.65% APR (with auto-pay discount)1
Fixed Rates: 6.07%-12.66% APR (with auto-pay discount)1 |
No application or origination fees and no penalties for paying early. |
Choose between 8, 10, 12 or 15 year options.3 |
Graduate Student Loan
Cover the costs of school for students pursuing a masters, doctoral or professional degree
Choose to repay the way that works for you:
- Full Principal and interest payments
- Interest only payments
- $25 payments each month during school3
- Defer payments while in school
|
COA-Aid ($2,000 minimum)2 |
Variable Rates: 4.20%-9.72% APR (with auto-pay discount)1
Fixed Rates: 6.22%-10.66% APR (with auto-pay discount)1 |
No application or origination fees and no penalties for paying early. |
Choose between 8, 10, 12 or 15 year options.3 |
Parent Loan
Help pay for your child's education with a customized loan.
Choose how quickly to pay back the loan:
- Full Principal and interest payments
- Interest plus payment
- Interest only payments
|
COA-AID ($2,000 minimum) |
Variable Rates: 4.58%-9.56% APR (with auto-pay discount)4
Fixed Rates: 6.62%-10.57% APR (with auto-pay discount)4
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No application or origination fees and no penalties for paying early. |
Choose to pay back the loan in as little as 5 years or take
up to 12 years (or pick something in between).6 |
Commerce Bank
Commerce Bank has provided guidance and solutions when seeking financial aid for over 50 years to students and their families. The lender has loan options for undergrads, grads, and parents with flexible features such as multiple repayment options and competitive fixed and variable interest rates the borrower may choose. Borrowers can borrower up to 100% of their school-certified cost of attendance. There are no origination or prepayment fees.
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Your Future Education Loan
For Undergraduate and Graduate & Professional School Students (includes MBA, Medical & Dental, and Health Professions) attending a degree-granting institution in the United States. Students who are enrolled full time, half time, and less than half time are eligible. Interest rate reduction available for auto debit payments.
Their Future Education Loan
Available to parents, grandparents, and other creditworthy individuals to cover up to 100% of the school-certified cost of attendance at a degree-granting institution in the United States. Student can be an undergrad/grad and be enrolled full time, half time, or less than half time.
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Minimum of $1,000 up to the school-certified Cost of Attendance at the degree-granting institution |
Undergraduate:
Variable Rates: 3.12% APR to 10.12 APR
Fixed Rates: 5.74% APR to 11.85% APR
Graduate:
Lower rates available to graduate students
Variable Rates: 3.12% APR to 8.09% APR
Fixed Rates: 5.74% APR to 8.56% APR
Parent Loan
Variable Rates: 4.62% APR to 11.00% APR
Fixed Rates: 5.74% APR to 12.87% APR
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No application, origination or prepayment fees |
5-15 Years (Your Future Education Loan)
10 years (Their Future Education Loan)
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Sallie Mae-the nation's saving, planning, and paying for college company.
Funded by Sallie Mae Bank.
Lender ID 900905.
Special Features/Benefits:
Auto Debit Savings - 0.25 percentage point interest rate reduction for automatic debit enrollment.*
Free financial literacy tools and resources, including access to quarterly FICO® Credit Scores for both borrowers and cosigners.*
Loan Limit - Borrow up to 100% of the school-certified cost of attendance (minimum $1,000)*.
Application Process - Borrower can initiate the application process at SallieMae.com. It only takes about 15 minutes to apply online and get a credit result.
Sallie Mae reserves the right to modify or discontinue products, services, and benefits at any time without notice. Terms, conditions, and limitations apply.
Click here for additional important information.
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Smart Option Student Loan®
For Undergraduate Students attending degree-granting institutions
only. (School Certified)
Pay now or later - choose an in-school repayment option that fits your needs or defer your payments until after school.*
- Make interest payments each month*
- Pay $25 per month*
- Defer payments*
Exclusive Study Starter, a free loan benefit with live 24/7 online tutoring that can help students make the grade. Learn More.
*Click here for additional important information.
| COA-Aid ($1,000 minimum)* |
Variable Rates: 1-month LIBOR + 2.00% (3.87% APR) to 1-month LIBOR + 9.88% (10.75% APR)*
Fixed Rates: 5.75% (5.74% APR) to 12.88% (11.85% APR)* |
No origination fee and no prepayment penalty. |
5-15 years based on cumulative Sallie Mae loan balance, repayment option and year in school.* |
Graduate Student Loans
Graduate students aren't all the same; graduate school loans shouldn't be, either.
For Graduate and Professional School Students attending degree-granting institutions only. (School-Certified). Graduate loans available for various graduate programs including MBA, Medical School, Dental School, and Health Professions.
Choose from multiple repayment options.
Click here for more information on Sallie Mae graduate student loans.
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Visit Sallie Mae.com for details on individual graduate loans. |
Visit Sallie Mae.com for details on individual graduate loans. |
No origination fee and no prepayment penalty. |
Visit Sallie Mae.com for details on individual graduate loans. |
Sallie Mae Parent Loan
Any creditworthy individual other than the student can take out a Sallie Mae Parent Loan, including grandparents, aunts, uncles, spouses, and guardians. The Loan, which is available to pay for education expenses of both undergraduate and graduate students.
Choose a repayment option that fits your needs:
- Interest Repayment: Borrowers make monthly interest payments while the student is enrolled in school for up to 48 months, followed by principal and interest payments#
- Principal and Interest Repayment: Borrowers make monthly principal and interest payments while the student is enrolled in school and through the life of the loan#
#Click here for additional important information.
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COA-AID ($1,000 minimum) |
Variable Rates: 1-month LIBOR + 3.50% (5.37% APR) to 1-month LIBOR + 9.88% (11.74%% APR)#
Fixed Rates: 5.75% (5.74% APR) to 12.88% (12.87 APR)#
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No origination fee and no prepayment penalty. |
10 years of principal and interest payments# |