Graduate Student Loans

A College Ave graduate loan can help you cover the costs of a postgraduate, masters, doctoral, or professional degree. We provide flexible repayment options and never charge origination fees.

Variable Rates

1.99% - 10.97% APR

Fixed rates icon

Fixed Rates

4.49% - 11.98% APR

(all rates shown include auto-pay discounts)2

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6 Financial Considerations of Getting a Graduate Degree

The decision to go to grad school is often heavily influenced by finances. Here are some of the top financial considerations of getting a graduate degree. You’ll want to consider what goals you’re looking to pursue with a graduate degree.

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diverse group of people
Rates & Repayment

Make Your Payments Work for You

The way you repay your loan will drive how much you’ll save long-term. If you start making payments sooner, or pay more each month, you can lower the overall cost of the loan. But if your monthly budget requires an option that’s more flexible, we can help you with that too.

We set out to be different from other private lenders who set the loan terms for you. So, put us to the test.

Repayment Options

Full Principal & Interest Payment

Start repaying your principal and interest right away to save the most.

Keypoints
  • Highest in-school payment
  • Lowest overall cost
Interest Only Payment

Pay the interest charges each month as you go during school.

Keypoints
  • Moderate in-school payment
Flat Payment

Make $25 payments each month2 during school to reduce your accrued interest.

Keypoints
  • Lowest in-school payment
Deferred Payment

No in-school payments required, but you'll pay more in interest over the life of your loan.

Keypoints
  • No in-school payment
  • Highest overall cost

Super-Flexible Terms3

How many years will it take you to pay back your graduate loan? We'll help you choose the right loan term that works with your long term plans.

Save more
Save More Overall

Save on total interest but make bigger monthly payments

  • 5 years
  • 8 years
  • 10 years
  • 15 years
Pay Less
Pay Less Monthly

Make smaller monthly payments but pay more in interest overall

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Advanced Loans For Advanced Degrees

We created private graduate loans that are teaching the competition a thing or two. We start with great rates, then add a variety of repayment options, all to put you in control of how much interest you have to pay. When we take away the suspense and uncertainty around your loan, you can feel that much better.

Test Drive Your Loan

How We Compare With Other Lenders

Lenders

College ave student loans
Discover
Sallie Mae
Number of Repayment Options
4
4
3
Choice of loan terms (years you take to repay)
Yes
No
No
Apply in 3 Minutes
Yes
No
No
Fees to Apply
None
None
None
Choice of Fixed or Variable Interest Rates
Yes
Yes
Yes

Comparisons based on information obtained on lenders' websites as of March 25, 2021.

College ave student loans

Number of Repayment Options

4

Choice of loan terms (years you take to repay)

Yes

Apply in 3 Minutes

Yes

Fees to Apply

None

Choice of Fixed or Variable Interest Rates

Yes
Discover

4

No
No

None

Yes
Sallie Mae

3

No
No

None

Yes

Comparisons based on information obtained on lenders' websites as of March 25, 2021.

M

Meghan

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Easiest Process

I'm using College Ave to help me get my Master’s and after using many other loan services for undergrad, I can honestly say this has been the easiest and best one to use so far!

KM

Kim M.

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Outstanding!

It is very easy to apply, once you get approved they will send confirmation to the school and you can start your class. They have the best customer service.

ES

Emma S.

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Very Helpful and Good

When I was in need of money to pay for graduate school, College Ave came through with affordable options. Very good.

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Cosigning Made Easy

Learn About Cosigning

Because some grad students don’t have the credit or income history required by lenders, a parent or other adult with good credit will need to cosign the private student loan. This way, both the student and cosigner share equal responsibility for the loan.

Overwhelmed? Don't Be!
Just Follow These Easy Steps

person using a laptop to research
in-school payments
person browsing College Ave Student Loans application loan options
car driving
Auto-pay set up

90 Days before school starts

Think about how much money you’ll need to borrow and who might cosign the loan with you.

60 Days before school starts

Start shopping around for the best loan by getting quotes, rates and terms from several lenders and know for sure who your cosigner will be.

30 Days before school starts

Apply for your student loan. Once approved we’ll work with your school directly to certify the loan.

10 Days before school starts

Make sure you’ve received confirmation that the money is scheduled to be sent to your school.

30 days after the money is sent to your school

Be on the lookout for your first loan statement. If you’re making payments right away, consider signing up for autopay.

8 Things You Need to Know About College Award Letters

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You’ve Got This, We’ve Got You

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Are international students or cosigners eligible for your loans?

International students with a valid US social security number are eligible to apply for a student loan with College Ave Student Loans.

In order to be approved for a College Ave student loan, an international student will be required to apply with a qualified cosigner.

How much of my education costs will this loan cover?

Credit-worthy applicants can borrow up to 100% of the school-certified cost of attendance4, which typically includes things like tuition and fees, books and supplies, room and board, transportation and personal expenses. The minimum amount you can borrow is $1,000.4

  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 first year graduate student 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 6.27% fixed Annual Percentage Rate (“APR”): 33 monthly payments of $25 while in school, followed by 96 monthly payments of $145.75 while in the repayment period, for a total amount of payments of $14,817.03. Loans will never have a full principal and interest monthly payment of less than $50. Your actual rates and repayment terms may vary.
  3. This informational repayment example uses typical loan terms for a first year graduate student 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 7.10% fixed Annual Percentage Rate (“APR”): 120 monthly payments of $141.66 while in the repayment period, for a total amount of payments of $16,699.21. Loans will never have a full principal and interest monthly payment of less than $50. Your actual rates and repayment terms may vary.
  4. As certified by your school and less any other financial aid you might receive. Minimum $1,000.