skip to main content
Woman celebrating.

Nonprofit APRs1 ranging from

Variable2: 3.063% - 6.861%
Fixed: 3.522% - 8.168%

w/ optional .50% autopay discount3

Undergraduate & Graduate

U.S. citizens or permanent resident students:

State residency restrictions apply. Click here to see a listing of currently eligible states.

International Students

International students with a U.S. citizen or permanent resident cosigner:

  

college icon

Nonprofit Sector

Student loans funded and serviced by a nationally recognized nonprofit provider.

shaking hands

Stakeholders

A loan program that focuses on stakeholders — the hard–working college students.

money icon

Community Support

Proceeds support scholarships and college access activities.

pencil writing

Cosigner Release

Available after 36 months of consecutive and on–time payments.4

What are people saying about EDvestinU?

View all TrustSpot Reviews >>
Reviews may have been written in exchange for an entry into a promotion. Content of the review did not increase or decrease a person's chance of winning.

Private Student Loan Rates & Terms
($10,000 loan example w/ optional .50% autopay discount)

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.



1 APRs 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 0.50 percentage point interest rate reduction for optional Autopay. Highest APR assumes deferred repayment, 15-year repayment term, and 0.50 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 April 28, 2022 the One-Month CME Term SOFR Index rate was 0.74%.

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 once the loan is considered to be fully disbursed. 

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.