Graduate Student Loans
Graduate students with strong credit deserve choices that recognize and reward their credit history.
- No application or origination fees
- Flexible repayment options
- 3-minute application
Graduate students with strong credit deserve choices that recognize and reward their credit history.
4.54%
to 14.49% APR
(all rates shown include auto-pay discount)1
3.47%
to 14.47% APR
(all rates shown include auto-pay discount)1
While most people should pursue federal loan options first due to the benefits they provide, individuals with strong credit can benefit from a customized private loan. Compare our grad loan with the Grad PLUS loan below.
College Ave Grad Loan | Grad Plus Loan3 | |
---|---|---|
Loan funds sent to school |
|
|
Choice of Fixed or Variable rates |
|
|
Origination Fee | None | 4.228% |
Interest Rate | 3.47% - 14.49%(Fixed and Variable)1 | 3.47%(Fixed) |
Standard Repayment Term | Choice of Terms(Between 5, 8, 10, and 15 Years)2 | 10 Years |
Application Process | 3 Minutes(Instant Credit Decision) | FAFSA(Completion Required) |
Comparisons based on information obtained on the Federal Student Aid website as of February 3, 2025.
Apply online in 3 minutes and get an instant credit decision. No application, origination, or disbursement fees.
Make your payments work for you by deciding if you want to start repaying immediately or wait until you complete your degree.
Choose how long it takes to repay your graduate loan based on your budget. Options include 5, 8, 10, and 15 years.2
Cover up to 100% of the costs of a postgraduate, masters, or doctoral degree4 with no originations fees.
Looking for other loan options?
Footnotes
All rates shown include auto-pay discount. 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.
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.
Direct PLUS Loan details from https://studentaid.gov. Federal loans carry special benefits, such as public service forgiveness, that are not available with private loans. Loan Interest Rates and Fees for Direct PLUS Loans first disbursed on or after July 1, 2024, and before July 1, 2025, the interest rate is 9.08%. This is a fixed interest rate for the life of the loan. Additionally, there is a loan fee on all Direct PLUS Loans. The loan fee is a percentage of the loan amount and is proportionately deducted from each loan disbursement. The percentage for all Direct PLUS loans first disbursed on or after Oct. 1, 2020, is 4.228%. Loans first disbursed before that date had different loan fees.
As certified by your school and less any other financial aid you might receive. Minimum $1,000.