Before refinancing your existing federal student loans, please carefully consider current federal benefits. The Federal Government is offering benefits that only apply to certain federal student loans, including loan forgiveness & a repayment pause until June 30, 2023. These unique federal benefits will no longer apply if you refinance your existing federal loans with a private lender like College Ave.
Learn more about the benefits you may receive, pertaining to federal student loans and the CARES Act.

Refinance Your Student Loans.

Whenever you’re ready, College Ave Student Loans will make it fast and easy.

Get your rate in 60 seconds
Instant credit decision
No fees to apply

Get My Rate

Variable rates starting at 4.44% APR (with auto-pay discount)¹

Fixed rates starting at 4.99% APR (with auto-pay discount)¹

Refinance Interest Rates

Variable Rates

4.44% - 8.99% APR

Fixed Rates

4.99% - 8.99% APR

(all rates shown include auto-pay discount)¹

College Ave Student Loans Offers Major Help And Minor Stress

We’ll help guide you through the process to find the right loan term and interest rate for you and the family budget.

Calculate Your Savings

Rates & Repayment

Make Your Payments Work For You

Is anyone ever happy with “one-size-fits-all”? We don’t think so. Everyone has their own personal budget and goals. With us, you create the repayment plan that works best for you. Refinance loan amounts as low as $5,000.²

Rate Options

Fixed Rate

Interest rate does not change for the life of the loan

Keypoints

Fixed interest rate will not increase or decrease
You know payment amount and total cost up front

Variable Rate

Interest rate changes based changes to a market index (e.g., LIBOR)

Keypoints

Variable interest rate is likely cheaper to start, you should consider your personal tolerance for the risk that it could go up (or down)
You benefit if the interest rate index remains the same or decreases

Super-Flexible Terms

We'll help you choose how many years you take to pay back your refi loan so you can be confident that your loan is working for you.

Save More Overall

Save on total interest but make bigger monthly payments

Between 5 and 15 years³

Pay Less Monthly

Make smaller monthly payments but pay more in interest overall

How We Compare With Other Lenders

Lenders

Fixed and variable rates

Yes

Application fees

Choice of loan terms (how long you take to repay)

Comparisons based on information obtained on the lenders' websites as of December 30, 2022

Fixed and variable rates

Yes

Application fees

Choice of loan terms (how long you take to repay)

11

Yes

5

Yes

5

Yes

16

Comparisons based on information obtained on the lenders' websites as of December 30, 2022

View Footnotes

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.
$5,000 is the minimum requirement to refinance. The maximum loan amount is $300,000 for those with medical, dental, pharmacy or veterinary doctorate degrees, and $150,000 for all other undergraduate or graduate degrees.Information advertised valid as of 12/21/2022. Variable interest rates may increase after consummation.
This informational repayment example uses typical loan terms for a refi borrower with a Full Principal & Interest Repayment and a 10-year repayment term, has a $40,000 loan and a 5.5% Annual Percentage Rate (“APR”): 120 monthly payments of $434.11 while in the repayment period, for a total amount of payments of $52,092.61. Loans will never have a full principal and interest monthly payment of less than $50. Your actual rates and repayment terms may vary.

Commerce Bank receives a referral fee from College Ave when you refinance student loans by applying through this webpage.
Amount equal to 0.50% of the initial loan balance to be credited on the borrower’s statement within 60 days of closing of the loan. For example, if the consolidated loan equaled $20,000, the member benefit equals $100, with a maximum of $599.99.
Amount equal to 0.50% of the initial loan balance to be credited on the borrower’s statement within 60 days of closing of the loan. For example, if the consolidated loan equaled $20,000, the member benefit equals $100, with a maximum of $599.99.
Amount equal to 0.50% of the initial loan balance to be credited on the borrower’s statement within 60 days of closing of the loan. For example, if the consolidated loan equaled $20,000, the member benefit equals $100, with a maximum of $599.99.
Amount equal to 0.50% of the initial loan balance to be credited on the borrower’s statement within 60 days of closing of the loan. For example, if the consolidated loan equaled $20,000, the member benefit equals $100, with a maximum of $599.99.
Amount equal to 0.50% of the initial loan balance to be credited on the borrower’s statement within 60 days of closing of the loan. For example, if the consolidated loan equaled $20,000, the member benefit equals $100, with a maximum of $599.99.
Amount equal to 0.50% of the initial loan balance to be credited on the borrower’s statement within 60 days of closing of the loan. For example, if the consolidated loan equaled $20,000, the member benefit equals $100, with a maximum of $599.99.
Amount equal to 0.50% of the initial loan balance to be credited on the borrower’s statement within 60 days of closing of the loan. For example, if the consolidated loan equaled $20,000, the member benefit equals $100, with a maximum of $599.99.
Amount equal to 0.50% of the initial loan balance to be credited on the borrower’s statement within 60 days of closing of the loan. For example, if the consolidated loan equaled $20,000, the member benefit equals $100, with a maximum of $599.99.
Amount equal to 0.50% of the initial loan balance to be credited on the borrower’s statement within 60 days of closing of the loan. For example, if the consolidated loan equaled $20,000, the member benefit equals $100, with a maximum of $599.99.

Refinance Your Student Loans.

Whenever you’re ready, College Ave Student Loans will make it fast and easy.

Student Doctor Network members receive 0.50% of the loan amount⁴ paid back to the borrower on all Refinance loans.

AACP Members receive 0.50% of the loan amount⁴ paid back to the borrower on all Refinance loans.

AAA Northeast Members receive 0.50% of the loan amount⁴ paid back to the borrower on all Refinance loans.

FSP Members receive 0.50% of the loan amount⁴ paid back to the borrower on all Refinance loans.

NSCS Members receive 0.50% of the loan amount⁴ paid back to the borrower on all Refinance loans.

California Association of Orthodontists members receive 0.50% of the loan amount⁴ paid back to the borrower on all Refinance loans.

DC Bar Members receive 0.50% of the loan amount⁴ paid back to the borrower on all Refinance loans.

AUSA Members receive 0.50% of the loan amount⁴ paid back to the borrower on all Refinance loans.

NEA Members receive 0.50% of the loan amount⁴ paid back to the borrower on all Refinance loans.

NEA Members receive 0.50% of the loan amount⁴ paid back to the borrower on all Refinance loans.

SEIU Members receive 0.50% of the loan amount⁴ paid back to the borrower on all Refinance loans.

SEIU Members receive 0.50% of the loan amount⁴ paid back to the borrower on all Refinance loans.

Refinance Interest Rates

Variable Rates

Fixed Rates

College Ave Student Loans Offers Major Help And Minor Stress

Rates & Repayment

Make Your Payments Work For You

Rate Options

Fixed Rate

Variable Rate

Super-Flexible Terms

Save More Overall

Pay Less Monthly

How We Compare With Other Lenders

Lenders

11

5

5

16

About Us

Refinance Your Student Loans.

Whenever you’re ready, College Ave Student Loans will make it fast and easy.

Student Doctor Network members receive 0.50% of the loan amount4 paid back to the borrower on all Refinance loans.

AACP Members receive 0.50% of the loan amount4 paid back to the borrower on all Refinance loans.

AAA Northeast Members receive 0.50% of the loan amount4 paid back to the borrower on all Refinance loans.

FSP Members receive 0.50% of the loan amount4 paid back to the borrower on all Refinance loans.

NSCS Members receive 0.50% of the loan amount4 paid back to the borrower on all Refinance loans.

California Association of Orthodontists members receive 0.50% of the loan amount4 paid back to the borrower on all Refinance loans.

DC Bar Members receive 0.50% of the loan amount4 paid back to the borrower on all Refinance loans.

AUSA Members receive 0.50% of the loan amount4 paid back to the borrower on all Refinance loans.

NEA Members receive 0.50% of the loan amount4 paid back to the borrower on all Refinance loans.

NEA Members receive 0.50% of the loan amount4 paid back to the borrower on all Refinance loans.

SEIU Members receive 0.50% of the loan amount4 paid back to the borrower on all Refinance loans.

SEIU Members receive 0.50% of the loan amount4 paid back to the borrower on all Refinance loans.

Refinance Interest Rates

Variable Rates

Fixed Rates

College Ave Student Loans Offers Major Help And Minor Stress

Rates & Repayment

Make Your Payments Work For You

Rate Options

Fixed Rate

Variable Rate

Super-Flexible Terms

Save More Overall

Pay Less Monthly

How We Compare With Other Lenders

Lenders

11

5

5

16

About Us

Student Doctor Network members receive 0.50% of the loan amount⁴ paid back to the borrower on all Refinance loans.

AACP Members receive 0.50% of the loan amount⁴ paid back to the borrower on all Refinance loans.

AAA Northeast Members receive 0.50% of the loan amount⁴ paid back to the borrower on all Refinance loans.

FSP Members receive 0.50% of the loan amount⁴ paid back to the borrower on all Refinance loans.

NSCS Members receive 0.50% of the loan amount⁴ paid back to the borrower on all Refinance loans.

California Association of Orthodontists members receive 0.50% of the loan amount⁴ paid back to the borrower on all Refinance loans.

DC Bar Members receive 0.50% of the loan amount⁴ paid back to the borrower on all Refinance loans.

AUSA Members receive 0.50% of the loan amount⁴ paid back to the borrower on all Refinance loans.

NEA Members receive 0.50% of the loan amount⁴ paid back to the borrower on all Refinance loans.

NEA Members receive 0.50% of the loan amount⁴ paid back to the borrower on all Refinance loans.

SEIU Members receive 0.50% of the loan amount⁴ paid back to the borrower on all Refinance loans.

SEIU Members receive 0.50% of the loan amount⁴ paid back to the borrower on all Refinance loans.