Skip to main contentSkip to login

Benefit from these features—with any loan used for undergraduate or graduate school expenses

Competitive interest rates

No origination fee or
prepayment penalty

Multiple repayment options

Undergraduate student loan


Your Future Education Loan®

For bachelor’s and associate’s degrees or a certificate at a degree-granting school

Apply for this loan

Get more details VSee less ^

Variable or fixed interest rate
Starting variable:
4.37% – 11.23% APR
Fixed: 5.74% – 11.85% APR

3 repayment options

  • Deferred repayment
  • Fixed repayment
  • Interest repayment

Borrow from $1,000 up to 100% of the school-certified cost of attendance.

Get a 0.25 percentage point interest rate reduction when you enroll in and make monthly payments by auto debit.

Apply to release your cosigner from your loan after you graduate, make 12 on-time principal and interest payments, and meet certain credit requirements.

Loan term: 5 – 15 years of principal and interest payments.

Parent Loan


Their Future Education LoanSM

For parents or other creditworthy individuals who want to take responsibility for financing their student’s undergraduate, graduate, or certificate education at a degree-granting school

Apply for this loan

Get more details VSee less ^

Variable or fixed interest rate
Starting variable:
5.87% – 12.24% APR
Fixed: 5.74% – 12.87% APR

2 repayment options

  • Interest repayment
  • Principal and interest repayment

Borrow from $1,000 up to 100% of the school-certified cost of attendance.

Get a 0.25 percentage point interest rate reduction when you enroll in and make monthly payments by auto debit.

Loan term: 10 years of principal and interest payments.

Loans for graduate students


Commerce Bank MBA Loan

Pay for your business school expenses as you pursue your Masters of Business Administration degree

Apply for this loan

Get more details VSee less ^

Variable or fixed interest rate
Starting variable:
4.37% – 9.40% APR
Fixed: 6.25% – 9.16% APR

3 repayment options

  • Deferred repayment
  • Fixed repayment
  • Interest repayment

Borrow from $1,000 up to 100% of the school-certified cost of attendance.

Get a 0.25 percentage point interest rate reduction when you enroll in and make monthly payments by auto debit.

Loan term: 15-year repayment term of principal and interest payments.

Commerce Bank Medical School Loan

Pay for your medical degree expenses in allopathic, general, osteopathic, podiatric, radiology, sports, and veterinary medicine

Apply for this loan

Get more details VSee less ^

Variable or fixed interest rate
Starting variable:
4.37% – 9.11% APR
Fixed: 6.24% – 8.86% APR

3 repayment options

  • Deferred repayment
  • Fixed repayment
  • Interest repayment

Borrow from $1,000 up to 100% of the school-certified cost of attendance.

Get a 0.25 percentage point interest rate reduction when you enroll in and make monthly payments by auto debit.

Loan term: 20-year repayment term of principal and interest payments.

Commerce Bank Dental School Loan

Pay for your dental degree expenses in general dentistry, endodontics, oral and maxillofacial surgery, orthodontics, pediatric dentistry, periodontics, and prosthodontics

Apply for this loan

Get more details VSee less ^

Variable or fixed interest rate
Starting variable:
4.37% – 9.11% APR
Fixed: 6.24% – 8.86% APR

3 repayment options

  • Deferred repayment
  • Fixed repayment
  • Interest repayment

Borrow from $1,000 up to 100% of the school-certified cost of attendance.

Get a 0.25 percentage point interest rate reduction when you enroll in and make monthly payments by auto debit.

Loan term: 20-year repayment term of principal and interest payments.

Commerce Bank Health Professions Graduate Loan

Pay for your health professions degree expenses in allied health, nursing, pharmacy, and other graduate-level health degrees

Apply for this loan

Get more details VSee less ^

Variable or fixed interest rate
Starting variable:
4.37% – 9.40% APR
Fixed: 6.25% – 9.16% APR

3 repayment options

  • Deferred repayment
  • Fixed repayment
  • Interest repayment

Borrow from $1,000 up to 100% of the school-certified cost of attendance.

Get a 0.25 percentage point interest rate reduction when you enroll in and make monthly payments by auto debit.

Loan term: 15-year repayment term of principal and interest payments.

Commerce Bank Law School Loan

Pay for your school and associated expenses as you study for your law degree

Apply for this loan

Get more details VSee less ^

Variable or fixed interest rate
Starting variable:
4.37% – 9.16% APR
Fixed: 6.24% – 8.93% APR

3 repayment options

  • Deferred repayment
  • Fixed repayment
  • Interest repayment

Borrow from $1,000 up to 100% of the school-certified cost of attendance.

Get a 0.25 percentage point interest rate reduction when you enroll in and make monthly payments by auto debit.

Loan term: 15-year repayment term of principal and interest payments.

Commerce Bank Graduate School Loan

Pay for your school and associated expenses as you pursue your master’s or doctoral degree

Apply for this loan

Get more details VSee less ^

Variable or fixed interest rate
Starting variable:
4.37% – 9.40% APR
Fixed: 6.25% – 9.16% APR

3 repayment options

  • Deferred repayment
  • Fixed repayment
  • Interest repayment

Borrow from $1,000 up to 100% of the school-certified cost of attendance.

Get a 0.25 percentage point interest rate reduction when you enroll in and make monthly payments by auto debit.

Loan term: 15-year repayment term of principal and interest payments.

Commerce Bank Bar Study Loan

For expenses associated with fees and living costs as you study for the bar exam

Apply for this loan

Get more details VSee less ^

Variable interest rate
Starting variable:
5.36% – 12.06% APR

Borrow from $1,000 up to $15,000.

Get a 0.25 percentage point interest rate reduction when you enroll in and make monthly payments by auto debit.

Commerce Bank Bar Study Loans are intended to cover expenses not included in your school's cost of attendance.

You may apply for a Bar Study Loan if you are enrolled at least half time in your final year of study at a participating ABA-accredited law school located in the U.S., or have graduated from one within the last 12 months. You must be sitting for the bar exam no later than 12 months after graduation. You must be a U.S. citizen or a permanent resident or a Non-U.S. citizen borrower with a creditworthy cosigner (who must be a U.S. citizen or permanent resident) and required U.S. Citizenship and Immigration Service (USCIS) documentation. Applications are subject to a requested minimum loan amount of $1,000. Current credit and other eligibility criteria apply.

Commerce Bank Medical Residency and Relocation Loan

For expenses associated with taking board examinations, travel for interviews, and moving for your medical residency

Apply for this loan

Get more details VSee less ^

Variable interest rate
Starting variable:
5.27% – 11.56% APR

Borrow from $1,000 up to $20,000.

Get a 0.25 percentage point interest rate reduction when you enroll in and make monthly payments by auto debit.

Commerce Bank Residency and Relocation Loans are intended to cover expenses not included in your school's cost of attendance.

To participate in the Commerce Bank Residency and Relocation Loan program, veterinary medical schools are required to be accredited by the American Veterinary Medical Association, medical schools are required to be accredited by the Liaison Committee on Medical Education or the American Osteopathic Association’s Commission on Osteopathic College Accreditation, and podiatric schools are required to be accredited by the Council on Podiatric Medical Education.

You must be enrolled at least half time in your final year of study at a participating Medical (allopathic, osteopathic or veterinary medicine school) or Podiatric school located in the U.S., or have graduated from one within the past 12 months. You must have been awarded or expect to be awarded the M.D., D.O., D.V.M., V.M.D., or D.P.M. degree during the same academic program year that you are applying. You must be a U.S. citizen or a permanent resident or a Non-U.S. citizen borrower with a creditworthy cosigner (who must be a U.S. citizen or permanent resident) and required U.S. Citizenship and Immigration Service (USCIS) documentation. U.S. citizens and permanent residents who are attending or have attended participating schools located outside the U.S. are also eligible. Applications are subject to a requested minimum loan amount of $1,000. Current credit and other eligibility criteria apply.

Commerce Bank Dental Residency and Relocation Loan

For expenses associated with taking board examinations, travel for interviews, and moving for your dental residency

Apply for this loan

Get more details VSee less ^

Variable interest rate
Starting variable:
5.27% – 11.56% APR

Borrow from $1,000 up to $20,000.

Get a 0.25 percentage point interest rate reduction when you enroll in and make monthly payments by auto debit.

Commerce Bank Residency and Relocation Loans are intended to cover expenses not included in your school's cost of attendance.

To participate in the Commerce Bank Residency and Relocation Loan program, dental schools are required to be accredited by the American Dental Association.

You must be enrolled at least half time in your final year of study at a participating Dental school located in the U.S., or have graduated from one within the past 12 months. You must have been awarded or expect to be awarded the D.D.S. or D.M.D. degree during the same academic program year that you are applying. You must be a U.S. citizen or a permanent resident or a Non-U.S. citizen borrower with a creditworthy cosigner (who must be a U.S. citizen or permanent resident) and required U.S. Citizenship and Immigration Service (USCIS) documentation. U.S. citizens and permanent residents who are attending or have attended participating schools located outside the U.S. are also eligible. Applications are subject to a requested minimum loan amount of $1,000. Current credit and other eligibility criteria apply.

Borrow responsibly
We encourage students and families to start with savings, grants, scholarships, and federal student loans to pay for college. Students and families should evaluate all anticipated monthly loan payments, and how much the student expects to earn in the future, before considering a private student loan.

This information is for borrowers attending degree-granting institutions only. Your Future Education Loan information is for undergraduate borrowers only. You must be attending a participating school located in the U.S. or have attended one during an eligible prior enrollment period. You must be a U.S. citizen or a permanent resident or a Non-U.S. citizen borrower with a creditworthy cosigner (who must be a U.S. citizen or permanent resident) and required U.S. Citizenship and Immigration Service (USCIS) documentation. U.S. citizens and permanent residents enrolled in eligible study abroad programs or who are attending or have attended schools located outside the U.S. are also eligible. For the Dental School Loan, Law School Loan, MBA Loan, and Medical School Loan, students must be enrolling in a graduate-level degree program in a field of study that is eligible for the loan and Graduate Certificate/Continuing Education coursework is not eligible. Applications are subject to a requested minimum loan amount of $1,000. Current credit and other eligibility criteria apply.

Their Future Education Loan: This information is for borrowers with students attending degree-granting institutions only. The student is not eligible to be a borrower or cosigner and must be attending a participating school or have attended one during an eligible prior enrollment period, or be enrolled in an eligible study abroad program. The borrower, cosigner and student must be U.S. citizens or permanent residents. The school may refund loan funds directly to the student, and if that occurs, borrower and cosigner (if applicable) would still be responsible for repaying that amount to Sallie Mae. Applications are subject to a requested minimum loan amount of $1,000. Current credit and other eligibility criteria apply.

Although we do not charge you a penalty or fee if you prepay your loan, any prepayment will be applied as provided in your promissory note: First to Unpaid Fees and costs, then to Unpaid Interest, and then to Current Principal.

Interest rates for Fixed and Deferred Repayment Options are higher than interest rates for the Interest Repayment Option. You’re charged interest and your selected repayment option applies starting at disbursement, while in school and during your separation or grace period. When you enter principal and interest repayment, Unpaid Interest will be added to your loan's Current Principal. Variable rates may increase over the life of the loan. Advertised variable rates reflect the starting range of rates and may vary outside of that range over the life of the loan. Advertised APRs assume a $10,000 Loan to a freshman.

Commerce Bank reserves the right to approve a lower loan amount than the school-certified amount.

Borrower or cosigner must enroll in auto debit through Commerce Bank's servicer, Sallie Mae. The rate reduction benefit applies only during active repayment for as long as the Current Amount Due or Designated Amount is successfully withdrawn from the authorized bank account each month, and may therefore be suspended during a forbearance or deferment period.

Only the borrower may apply for cosigner release. Borrowers who meet the age of majority in their state may apply for cosigner release by providing proof of graduation (or completion of certification program), income, and U.S. citizenship or permanent residency (if your status has changed since you applied). In the last 12 months, the borrower must be current on all Sallie Mae serviced loans (including no hardship forbearances or modified repayment programs) and have paid ahead or made 12 on-time principal and interest payments on each loan requested for release. When the cosigner release application is processed, the borrower must demonstrate the ability to assume full responsibility of the loan(s) individually, and pass a credit review that demonstrates a satisfactory credit history including but not limited to no: open bankruptcy, open foreclosure, student loan(s) in default or 90 day delinquencies in the last 24 months. Requirements are subject to change.

This repayment example is based on a typical loan to a borrower who chooses a fixed rate and the Fixed Repayment Option for a $10,000 loan, with two disbursements, and a 8.88% fixed APR. It works out to 51 payments of $25 per month, 119 payments of $162.06 per month and one payment of $120.30, for a Total Loan Cost of $20,680.44.

APRs for the Principal and Interest Repayment Option are higher than APRs for the Interest Repayment Option. Variable rates may increase over the life of the loan. APRs assume a $10,000 loan to a person borrowing for a freshman student.

Borrower or cosigner must enroll in auto debit through Commerce Bank's servicer, Sallie Mae. The rate reduction benefit applies only during active repayment for as long as the Current Amount Due or Designated Amount is successfully withdrawn from the authorized bank account each month, and may therefore be suspended during a forbearance.

This repayment example is based on a typical loan to a borrower (on behalf of a student) who chooses a variable rate and the Interest Repayment Option for a $10,000 loan, with two disbursements, and a 9.11% variable APR. It works out to 4 payments of $38.02, 44 payments of $76.04, 119 payments of $127.83 and one payment of $94.05, for a Total Loan Cost of $18,803.66. Variable rates may increase over the life of the loan.

This repayment example is based on a typical loan to a first-year graduate MBA borrower who chooses a fixed rate and the Fixed Repayment Option for a $10,000 loan, with two disbursements, a 0% disbursement fee, and a 8.15% fixed APR. It works out to 27 payments of $25.00, 179 payments of $107.46 and one payment of $63.47, for a Total Loan Cost of $19,973.81.

This repayment example is based on a typical loan to a first-year graduate Medical borrower who chooses a fixed rate and the Fixed Repayment Option for a $10,000 loan, with two disbursements, a 0% disbursement fee, and a 7.71% fixed APR. It works out to 81 payments of $25.00, 239 payments of $114.50 and one payment of $42.00, for a Total Loan Cost of $29,432.50.

This repayment example is based on a typical loan to a first-year graduate Dental borrower who chooses a fixed rate and the Fixed Repayment Option for a $10,000 loan, with two disbursements, a 0% disbursement fee, and a 7.93% fixed APR. It works out to 57 payments of $25.00, 239 payments of $105.55 and one payment of $38.90, for a Total Loan Cost of $26,690.35.

This repayment example is based on a typical loan to a first-year graduate borrower who chooses a fixed rate and the Fixed Repayment Option for a $10,000 loan, with two disbursements, a 0% disbursement fee, and a 8.15% fixed APR. It works out to 27 payments of $25.00, 179 payments of $107.46 and one payment of $63.47, for a Total Loan Cost of $19,973.81.

This repayment example is based on a typical loan to a first-year graduate Law borrower who chooses a fixed rate and the Fixed Repayment Option for a $10,000 loan, with two disbursements, a 0% disbursement fee, and a 8.03% fixed APR. It works out to 42 payments of $25.00, 179 payments of $113.80 and one payment of $78.60, for a Total Loan Cost of $21,498.80.

This repayment example is based on a typical loan to a first-year graduate borrower who chooses a fixed rate and the Fixed Repayment Option for a $10,000 loan, with two disbursements, a 0% disbursement fee, and a 8.15% fixed APR. It works out to 27 payments of $25.00, 179 payments of $107.46 and one payment of $63.47, for a Total Loan Cost of $19,973.81.

Interest is charged starting at disbursement, while in school and during the nine-month grace period. When you start paying principal and interest, any Unpaid Interest will be added to Current Principal, increasing your Total Loan Cost. Variable rates may increase over the life of the loan. Advertised variable rates reflect the starting range of rates and may vary outside of that range over the life of the loan. Advertised APRs assume a $15,000 loan disbursed at the time of the student's graduation from school.

Interest is charged starting at disbursement, while in school and during the applicable grace period of either 36 months after graduation or nine months after withdrawal from school or attendance falling below half-time status. When you start paying principal and interest, any Unpaid Interest will be added to Current Principal, increasing your Total Loan Cost. Variable rates may increase over the life of the loan. Advertised variable rates reflect the starting range of rates and may vary outside of that range over the life of the loan. Advertised APRs assume a $20,000 loan disbursed at the time of student's graduation from school.

COMMERCE BANK RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS, SERVICES, AND BENEFITS AT ANY TIME WITHOUT NOTICE.

Information advertised valid as of 11/26/2018.