Find Your Perfect Parent Loan
Parents with strong credit deserve choices that recognize and reward their credit history.
- No application or origination fees
- Flexible repayment options
Parent Loan Rates
Variable Rates
3.89%
to 17.99% APR
Fixed Rates
2.49%
to 17.99% APR
(all rates shown include auto-pay discount)1
College Ave Parent Loan vs. Parent PLUS Loan
While most borrowers 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 parent loan with the Parent PLUS loan below.
| College Ave Parent Loan | Parent Plus Loan3 | |
|---|---|---|
| Loan funds sent to school |
|
|
| Choice of Fixed or Variable Rates |
|
|
| Origination Fee | None | 4.228% |
| Interest Rate | 2.49% - 17.99%(Fixed and Variable)1 | 9.08%(Fixed) |
| Standard Repayment Term | Choice of Terms(Between 5-15 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 June 15, 2026.
College Ave's Parent Loan
Simple Application Process
Apply online in 3 minutes and get an instant credit decision. No application, origination, and disbursement fees.
Customized Repayment Plans
Choose between a fixed or variable rate option, select your own repayment plan, and decide how long to repay your loan.
Loan terms from 5-15 years2
Full Support
Cover up to 100% of your cost of attendance including tuition, fees, books, housing, and other costs4.
Ready to Get Started?
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Footnotes
1
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.
2
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.
3
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.
4
As certified by your school and less any other financial aid you might receive. Minimum $1,000.