Undergraduate Student Loans

Overwhelmed by school costs? Let’s see if we can help. Our student loans can cover up to 100% of your cost of attendance1, including tuition, fees, books, housing, and other college costs. We’ll match you with a loan you can live with – from repayment options that fit your monthly budget to competitive interest rates. It takes just three minutes to apply and get an instant credit decision.

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INTEREST 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)2

Variable vs. Fixed Rates: Which is right for you

It’s important to understand the difference between variable interest rates and fixed interest rates on student loans. Learn the basics so you can pick the best one for you with confidence.

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diverse group of people
Rates & Repayment

You Want Options.
We've Got Them.

With more repayment options, the less you have to worry. Why? Because the way you repay your loan drives how much you’ll save in the end. And if you start making payments sooner–or pay more each month–you can lower the cost of the loan over time.

This way you’ll feel confident that when you make your monthly payment it’s working extra-hard for you.

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 month3 during school to reduce your accured 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

Loan Payments on Your Terms4

How many years will it take you to pay back your undergraduate loan? With us, you choose the loan term that works best for you.

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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

Cosigning Made Easy

Usually, students don’t have the credit or income requirements to qualify for a private loan by themselves, so 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.

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See Your Loan in Action

Put anxiety on the sideline when you see what your future loan will look like and how you can make your loan work for you. We’ll show you all your options and rates so there are no unexpected surprises.

Feeling Stressed?
We've Got A Better Process.

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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How We Compare With Other Lenders

Lenders

College Ave Student Loans
Discover
SallieMae
Well Fargo
Number of Repayment Options
4
4
3
3
Choice of loan terms (years you take to repay)
Yes
No
No
No
Apply In 3 Minutes
Yes
No
No
No
Fees To Apply
None
None
None
None
Choice of Fixed or Variable Interest Rates
Yes
Yes
Yes
Yes

Comparisons based on information obtained on lenders' websites as of June 27, 2018

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
SallieMae

3

No
No

None

Yes
Well Fargo

3

No
No

None

Yes

Comparisons based on information obtained on lenders' websites as of June 27, 2018

MB

Michele B.

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Quick Approval

College Ave was able to quickly approve the loan application and funding followed. It was so easy. Thank you for making what is often a stressful situation, stress-free!

CS

Catherine S.

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Very Simple Process

This was a very simple process to apply for the student loan at a great rate. You get to choose your terms and finalize the paperwork and done. Would definitely recommend using College Ave student loans!!!!

KD

Kris D.

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Easy Process, Great Communication

You made getting our loan very easy, from the quick online application to the constant communication via email. We really appreciate knowing where we are at in the process. Thank 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 attendance, 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 $1,000.1