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

Student Loan Refinancing

Refinance Interest Rates

Variable Rates

variable icon

6.99%

to 13.99% APR

Fixed Rates

fixed icon

6.99%

to 13.99% APR

(all rates shown include auto-pay discount)1

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.

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

  • 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)

  • 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.

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How We Compare With Other Lenders

Lenders College Ave SoFi Citizens Bank earnest
Fixed and variable rates
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Application fees
Choice of loan terms (how long you take to repay)

5

5

16

Comparisons based on information obtained on the lenders' websites as of 02/03/2025

Footnotes

1

Variable rates may increase after consummation. 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. Approved interest rate will depend on creditworthiness of the applicant(s), lowest advertised rates only available to the most creditworthy applicants and require selection of full principal and interest payments with the shortest available loan term.

2

$5,000 is the minimum requirement to refinance. The maximum loan amount is $500,000 for those with medical, dental, pharmacy or veterinary doctorate degrees, $300,000 for other graduate or professional degrees, and $150,000 for all other degrees. Information advertised valid as of 02/03/2025.

3

This informational repayment example uses typical loan terms for a refi borrower with a Full Principal & Interest Repayment and a 10-year repayment term, has a $40,000 loan and a 5.5% Annual Percentage Rate (“APR”): 120 monthly payments of $434.11 while in the repayment period, for a total amount of payments of $52,092.61. Loans will never have a full principal and interest monthly payment of less than $50. Your actual rates and repayment terms may vary.

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