Career Loan for Graduate Health Professions

You’re on your way to a great career helping others by pursuing an advanced health care degree. We can help you get the funding you need to pay for school through our fast and easy application process. Plus, you get to build a loan that works for your budget and your career plans including deferring repayment for up to 48 months during residency or fellowship.

Variable Rates

4.69% - 14.47% APR

Fixed rates icon

Fixed Rates

3.47% - 14.47% APR

(all rates shown include auto-pay discounts)2

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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 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

Loan Payments on Your Terms3

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

Save more
Save More Overall

Save on total interest but make bigger monthly payments

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

Make smaller monthly payments but pay more in interest overall

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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.

Calculate Your Loan!

Feeling Stressed?
We've Got A Better Process.

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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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Compare College Ave with Other Lenders

Lenders

College ave student loans
Sallie Mae
Discover
Number of Repayment Options
4
3
4
Not Accepting Applications as of January 31, 2024.
Choice of loan terms (years you take to repay)
Yes
No
No
Apply in 3 Minutes
Yes
No
No
Grace Period
9 months
6 months
9 months
Deferment During Residency
Yes
Yes
Yes

Comparisons based on information obtained on lenders' websites as of January 9, 2025.

College ave student loans

Number of Repayment Options

4

Choice of loan terms (years you take to repay)

Yes

Apply in 3 Minutes

Yes

Grace Period

9 months

Deferment During Residency

Yes
Sallie Mae

3

No
No

6 months

Yes
Discover

4 *

No *
No *

9 months *

Yes *

Comparisons based on information obtained on lenders' websites as of January 9, 2025.

* Not Accepting Applications as of January 31, 2024.

MA

Margaret A.

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Prompt in Response Time

My Granddaughter needed a loan at the last minute and didn't know what to do. I did some research online and found College Ave. She was approved right away (along with my cosign, of course), and is now in the Nursing program at Emory U. Thanks.

PM

Patricia M.

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ABSN student at Samuel Merrit University

I have been more than pleased with the entire application process. The application process was not on easy, but fast. This financial opportunity allows me to concentrate on my studies and complete my career goal to become an RN. Thank you! I will tell everyone to seek out College Ave for their student loan financing needs.

D

Donghyun

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The experience was fast and easy

The loan application process wasn't confusing nor difficult. The loan also was sent in fast so I didn't need to worry about borrowing the loan fast.

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Are international students 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

  1. The 0.25% auto-pay interest rate reduction applies as long as a valid bank account is designated for required monthly payments. If a payment is returned, you will lose this benefit.
  2. This informational repayment example uses typical loan terms for a first year graduate health professions 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 6.09% fixed Annual Percentage Rate (“APR”): 84 monthly payments of $25 while in school, followed by 96 monthly payments of $167.28 while in the repayment period, for a total amount of payments of $18,158.81. 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 health professions 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 5.97% fixed Annual Percentage Rate (“APR”): 120 monthly payments of $168.15 while in the repayment period, for a total amount of payments of $20,177.45. 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.