Are you paying too much for your student loans?

Find your perfect fit and see how you could save.

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Consolidate and simplify

Stop juggling multiple bills, payment amounts and due dates. Combine your existing loans to simplify your finances.

Loans start at $5,0001 and can cover existing federal2 or private student loans. It's your choice.

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Save monthly or overall

You decide how long you take to repay. There's no single "best plan" for everyone.

You pick the term that works for you.

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Establish a Budget

You choose whether to start making full payments right away, or limit payments during the first two years to just cover interest charges.

You know your life best. Make your loan work for you.

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Apply Quickly and Easily

Apply in 3 minutes to get an instant credit decision with no fees to apply.

We'll even pre-fill your existing student loans for you.

Choose a low fixed or variable rate

fixedOrangeLine2x Fixed Rates 4.15% – 6.75% APR
variableLine2x Variable Rates 2.63% – 5.88% APR
(all rates shown include auto-pay discount)3

Repayment Options

More Options. Better Fit.

Everyone has their own personal budget to manage, so we know there’s no such thing as “one size fits all”. You create the repayment plan that works best for you.

Interest Only Payment
Moderate initial Monthly Payment
For The First 2 Years
Highest Overall Cost



Pay just the interest charges each month for the first two years. Full principal and interest payments will start in year 3.

Full Principal & Interest Payment
Highest Monthly Payment
Lowest Overall Cost



Start making full principal and interest payments right away.

Flexible Terms

You decide how quickly you pay back your loan based on what works for you.

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Save More Overall Save on total interest but make bigger monthly payments
5
to
15
YEARS4
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Pay Less Monthly Make smaller monthly payments but pay more in interest overall
5
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Save More Overall Save on total interest but make bigger monthly payments
15
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Pay Less Monthly Make smaller monthly payments but pay more in interest overall
Years4 TO
stopwatch-icon Apply 3 minutes and get an instant credit decision.
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configure-icon Configure Loan Choose how and when you repay your loan.
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signature-icon Accept & Sign Review and electronically sign your loan terms. All done!
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See how student loan consolidation could help you save.

Apply in 3 minutes and get an instant credit decision. Find your perfect fit today.

Apply Now

College Ave Student Loans products are made available through either Firstrust Bank, member FDIC, or Liberty Bank, N.A., member FDIC. All loans are subject to individual approval and adherence to underwriting guidelines. Program restrictions, other terms, and conditions apply.

1$5,000 is the minimum requirement to refinance. The maximum loan amount is $250,000 for those with medical, dental, pharmacy or veterinary doctorate degrees, and $150,000 for all other undergraduate or graduate degrees.

2Refinancing or consolidating private and federal student loans may not be the right decision for everyone. Federal loans do carry some special benefits, for example, public service forgiveness and economic hardship programs, fee waivers and rebates on the principal, which may not be accessible to you after you refinance. Benefits that exist with federal loans could be forfeited by consolidating them into a private loan.

3The 0.25% auto-pay interest rate reduction applies as long as the borrower or cosigner, if applicable, enrolls in auto-pay and authorizes our loan servicer to automatically deduct your monthly payments from a valid bank account. The rate reduction applies for as long as the monthly payment amount is successfully deducted from the designated bank account and is suspended during periods of forbearance and certain deferments. Variable rates may increase after consummation.

4 This informational repayment example uses typical loan terms for a refi borrower who selects the Full Principal & Interest Repayment Option with a 5-year repayment term, has a $40,000 loan and a 6.75% fixed Annual Percentage Rate (“APR”): 60 monthly payments of $787.34 while in the repayment period, for a total amount of payments of $47,240.31. 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 11/17/2016. Variable interest rates may increase after consummation.

WE RESERVE THE RIGHT TO MODIFY OR DISCONTINUE (IN WHOLE OR IN PART) THIS LOAN PROGRAM AND ITS ASSOCIATED SERVICES AND BENEFITS AT ANY TIME WITHOUT NOTICE. CHECK WWW.COLLEGEAVESTUDENTLOANS.COM FOR THE MOST UP-TO-DATE INFORMATION.

College Ave Student Loans . 1105 N Market St . Wilmington, DE . 19801