Refinance Your Student Loans.

Whenever you’re ready, College Ave Student Loans will make it fast and easy.

  • Get your rate in 60 seconds
  • Instant credit decision
  • No fees to apply

Variable rates starting at 6.99% APR (with auto-pay discount)1

Fixed rates starting at 6.99% APR (with auto-pay discount)1

Refinance Interest Rates

Variable Rates Icon

Variable Rates

6.99% - 13.99% APR

Fixed Rates Icon

Fixed Rates

6.99% - 13.99% APR

(all rates shown include auto-pay discount)1

calculator

College Ave Student Loans Offers Major Help And Minor Stress

We’ll help guide you through the process to find the right loan term and interest rate for you and the family budget.

Calculate Your Savings
diverse group of people
Rates & Repayment

Make Your Payments Work For You

Is anyone ever happy with “one-size-fits-all”? We don’t think so. Everyone has their own personal budget and goals. With us, you create the repayment plan that works best for you. Refinance loan amounts as low as $5,000.2

Rate Options

Fixed Rate

Interest rate does not change for the life of the loan

Keypoints
  • Fixed interest rate will not increase or decrease
  • You know payment amount and total cost up front
Variable Rate

Interest rate changes based changes to a market index (e.g., SOFR)

Keypoints
  • Variable interest rate is likely cheaper to start, you should consider your personal tolerance for the risk that it could go up (or down)
  • You benefit if the interest rate index remains the same or decreases

Super-Flexible Terms

We'll help you choose how many years you take to pay back your refi loan so you can be confident that your loan is working for you.

Save more
Save More Overall

Save on total interest but make bigger monthly payments

  • Between 5 and 20 years3
Pay Less
Pay Less Monthly

Make smaller monthly payments but pay more in interest overall

How We Compare With Other Lenders

Lenders

College ave student loans
sofi
citizens-bank
earnest
Fixed and variable rates
Yes
Yes
Yes
Yes
Application fees
No
No
No
No
Choice of loan terms (how long you take to repay)
16
5
5
16

Comparisons based on information obtained on the lenders' websites as of December 2, 2024

College ave student loans

Fixed and variable rates

Yes

Application fees

No

Choice of loan terms (how long you take to repay)

16

sofi
Yes
No

5

citizens-bank
Yes
No

5

earnest
Yes
No

16

Comparisons based on information obtained on the lenders' websites as of December 2, 2024