Find Your Perfect Student Loan.

Whenever you’re ready, we’ll make it fast and easy.

  • 3-minute application
  • Instant credit decision
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Variable rates starting at 3.94% APR (with auto-pay discount)1

Fixed rates starting at 5.29% APR (with auto-pay discount)1

Undergraduate Student Loan Rates

Variable Rates Icon

Variable Rates

3.94% - 11.19% APR

Fixed Rates Icon

Fixed Rates

5.29% - 12.78% APR

(all rates shown include auto-pay discount)1

Not what you’re looking for?

Check Out Our Other Student Loan Options
Graduate Student Loan
Parent Loan

How do you know it's the right student loan? You build it yourself.

With the most repayment options in the industry, you can find the student loan that fits you best. Choose if you want to make payments while in school, and select how quickly you pay it back.

Build the Perfect Student Loan by Choosing
Repayment Option

Deferred, Flat Pay, Interest Only, or Full Principal & Interest

Repayment Term

8, 10, 12, or 15 years2

Interest Rate Type

Fixed or Variable

The Simple Student Loan

You're only 3 steps away from finding the perfect student loan.

1

Simple Application

3 minutes and get an instant credit decision.

2

Customize Loan

Choose how and when you repay your loan.

3

Accept & Sign Terms

Review & sign your loan terms electronically.

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  1. 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.
  2. This 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 6.5% variable Annual Percentage Rate (“APR”). 54 monthly payments of $25 while in school, followed by 96 monthly payments of $154.95 while in the repayment period, for a total amount of payments of $16,224.78. Loans will never have a full principal and interest monthly payment of less than $50. Your actual rates and repayment terms may vary.
     
     
     
    *Additional Information
     
    Total Loan Amount – Cover up to 100% of your cost of attendance, as certified by your school and less any other financial aid you might receive, minimum $1,000. Autopay Discount – The 0.25% auto-pay interest rate reduction applies as long as a valid bank account is designated for required monthly payments. This informational repayment example uses typical loan terms for a freshman borrower who selects the Deferred Repayment Option with an 8-year repayment term, has a $10,000 loan that is disbursed in one disbursement and a 7% variable Annual Percentage Rate (“APR”): 96 monthly payments of $179.28 while in the repayment period, for a total amount of payments of $17,211.20. Loans will never have a full principal and interest monthly payment of less than $50. Your actual rates and repayment terms may vary. Variable rates may increase after consummation.