Undergraduate & Graduate Student Loans - EDvestinU

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Undergraduate & Graduate

U.S. citizens or permanent resident students:

State residency restrictions apply. Visit our State Eligibility page to see a listing of currently eligible states.

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International Students

International students with a U.S. citizen or permanent resident cosigner: (Find My Rate feature is not available for international students.)

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* To check the rates you may qualify for, a soft credit pull will be conducted that will not affect your credit score. However, if you elect to continue and submit an application, a full credit report from one or more consumer reporting agencies will be required, which is considered a hard credit pull and may impact your credit score. Being displayed rates as part of the Find My Rate tool does not guarantee loan approval. Additional eligibility requirements not considered as part of the Find My Rate tool will be considered once a full application is submitted.

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Private Student Loan Rates & Terms
($10,000 loan example w/ optional .25% autopay discount upon initial disbursement)

Fixed rates effective as of 3/30/2023. Variable rates effective as of 3/30/2023.

Repayment Term Fixed	Interest Rate Low - High	APR Low - High	Projected Monthly Payment Low - High	Total Cost of Loan Low - High
7 Years	low% – high%	low% – high%	$low – $high	$low – $high
10 Years	low% – high%	low% – high%	$low – $high	$low – $high
15 Years	low% – high%	low% – high%	$low – $high	$low – $high

Fixed Rates

7 Year Fixed

Interest Rate: low% – high%
low% – high% APR
Projected Monthly Payment: $low – $high
Total Cost of Loan: $low – $high

10 Year Fixed

Interest Rate: low% – high%
low% – high% APR
Projected Monthly Payment: $low – $high
Total Cost of Loan: $low – $high

15 Year Fixed

Interest Rate: low% – high%
low% – high% APR
Projected Monthly Payment: $low – $high
Total Cost of Loan: $low – $high

Repayment Term Variable	Interest Rate Low - High	APR Low - High	Projected Monthly Payment Low - High	Total Cost of Loan Low - High
7 Years	low% – high%	low% – high%	$low – $high	$low – $high
10 Years	low% – high%	low% – high%	$low – $high	$low – $high
15 Years	low% – high%	low% – high%	$low – $high	$low – $high

Variable Rates

7 Year Variable

Interest Rate: low% – high%
low% – high% APR
Projected Monthly Payment: $low – $high
Total Cost of Loan: $low – $high

10 Year Variable

Interest Rate: low% – high%
low% – high% APR
Projected Monthly Payment: $low – $high
Total Cost of Loan: $low – $high

15 Year Variable

Interest Rate: low% – high%
low% – high% APR
Projected Monthly Payment: $low – $high
Total Cost of Loan: $low – $high

Questions?

Check out our FAQ Section for answers to some commonly asked questions or call us at 855.887.5430.

¹APRs depend in part on creditworthiness. Lowest APR is only available to our most creditworthy borrowers and assumes an application with a cosigner, immediate repayment, a 7-year repayment term, and 0.25 percentage point interest rate reduction for optional Autopay. Borrowers electing immediate repayment will begin repayment 30-45 days after the initial disbursement. Highest APR assumes deferred repayment, a six-month grace period followed by a 15-year repayment term, and 0.25 percentage point interest rate reduction for optional Autopay. For more information about Autopay, see note 3.

² Variable rates may increase or decrease depending on fluctuations in the CME Term SOFR Rate. Monthly interest rate is based on the published One–Month CME Term SOFR Rate as of the second to last business day of the previous month plus your applicable margin. If the One-Month CME Term SOFR Index is negative, it will be deemed to be zero. As of February 27, 2023 the One-Month CME Term SOFR Index rate was 4.67%.

³ The interest rate reduction for authorizing our servicer to automatically deduct monthly payments from a savings or checking account will not reduce the monthly payment, but will reduce the monthly finance charge, resulting in a lower total cost of loan. Private Loans that are in a deferment (including borrowers who elect deferred repayment), grace period, or forbearance are not eligible to enroll and receive the automatic payment benefit until they enter into repayment. Borrowers electing to enroll in interest-only or immediate repayment are eligible to enroll in automatic payment upon initial disbursement.

⁴ Cosigner release allowed if an account is in current standing, after 36 months of consecutive & on–time payments with a borrower FICO >749 for EDvestinU Private Student Loans and minimum income requirement of $30,000 with no foreclosures, repossessions, wage garnishments, unpaid tax liens, unpaid judgments or other public records having an open balance exceeding $100 during the last 7 years. The borrower must not currently be involved in bankruptcy proceeding or had any bankruptcy filings during the past 10 years and cannot have any defaults on education loans.