## Undergraduate

Lowest rates shown include the auto debit discount.^{1}

Information advertised valid as of 5/25/2022.

Lowest rates shown include the auto debit discount.^{1}

**Term:** 10-15 years of principal and interest payments

**Variable rates:** 1.87% – 11.97% APR

**Fixed rates:** 3.75% – 12.85% APR

**3 Repayment Options:** Deferred repayment, $25 Fixed repayment, Interest repayment

**A typical repayment example:**

Examples of typical costs for a $10,000 Smart Option Student Loan with the most common fixed rate, fixed repayment option, 6-month separation period, and two disbursements: For a borrower with no prior loans and a 4-year in-school period, it works out to a 9.09% fixed APR, 51 payments of $25.00, 119 payments of $165.12 and one payment of $120.52, for a Total Loan Cost of $21,044.80. For a borrower with $20,000 in prior loans and a 2-year in-school period, it works out to a 9.47% fixed APR, 27 payments of $25.00, 179 payments of $119.57 and one payment of $55.39 for a total loan cost of $22,133.42. Loans that are subject to a $50 minimum principal and interest payment amount may receive a loan term that is less than 10 years.

Lowest rates shown include the auto debit discount.^{1}

**Term:** 20 years of principal and interest payments

**Variable rates:** 2.62% APR − 11.97% APR

**Fixed rates:** 4.75% APR − 11.97% APR

**3 Repayment Options:** Deferred repayment, $25 Fixed repayment, Interest repayment

**A typical repayment example:**

Example of a typical transaction for a $10,000 Medical School Loan with the most common fixed rate, Fixed Repayment Option, and two disbursements. For borrowers with a 81-month in-school and separation period, it works out to 9.34% fixed APR, 81 payments of $25.00, 238 payments of $144.91 and one payment of $142.85, for a total loan cost of $36,656.43. Loans that are subject to a $50 minimum principal and interest payment amount may receive a loan term that is less than 20 years.

**Term:** 20 years of principal and interest payments

**Variable rates:** 2.62% APR − 11.98% APR

**Fixed rates:** 4.75% APR − 11.98% APR

**3 Repayment Options:** Deferred repayment, $25 Fixed repayment, Interest repayment

**A typical repayment example:**

Example of a typical transaction for a $10,000 Dental School Loan with the most common fixed rate, Fixed Repayment Option, and two disbursements. For borrowers with a 57-month in-school and separation period, it works out to 9.70% fixed APR, 57 payments of $25.00, 238 payments of $130.68 and one payment of $129.27, for a total loan cost of $32,656.11. Loans that are subject to a $50 minimum principal and interest payment amount may receive a loan term that is less than 20 years.

**Term:** 15 years of principal and interest payments

**Variable rates:** 2.62% APR − 12.11% APR

**Fixed rates:** 4.75% APR − 12.11% APR

**3 Repayment Options:** Deferred repayment, $25 Fixed repayment, Interest repayment

**A typical repayment example:**

Example of a typical transaction for a $10,000 MBA Loan with the most common variable rate, Fixed Repayment Option, and two disbursements. For borrowers with a 27-month in-school and separation period, it works out to 9.11% variable APR, 27 payments of $25.00, 179 payments of $116.19 and one payment of $57.89, for a total loan cost of $21,530.90. Loans that are subject to a $50 minimum principal and interest payment amount may receive a loan term that is less than 15 years. Variable rates may increase over the life of the loan.

**Term:** 15 years of principal and interest payments

**Variable rates:** 2.62% APR − 11.98% APR

**Fixed rates:** 4.75% APR − 11.98% APR

**3 Repayment Options:** Deferred repayment, $25 Fixed repayment, Interest repayment

**A typical repayment example:**

Example of a typical transaction for a $10,000 Law School Loan with the most common fixed rate, Fixed Repayment Option, and two disbursements. For borrowers with a 42-month in-school and separation period, it works out to 9.86% fixed APR, 42 payments of $25.00, 179 payments of $135.20 and one payment of $72.97, for a total loan cost of $25,323.77. Loans that are subject to a $50 minimum principal and interest payment amount may receive a loan term that is less than 15 years.

**Term:** 15 years of principal and interest payments

**Variable rates:** 2.62% APR − 12.11% APR

**Fixed rates:** 4.75% APR − 12.11% APR

**3 Repayment Options:** Deferred repayment, $25 Fixed repayment, Interest repayment

**A typical repayment example:**

Example of a typical transaction for a $10,000 Graduate School Loan for Health Professions with the most common fixed rate, Fixed Repayment Option, and two disbursements. For borrowers with a 27-month in-school and separation period, it works out to 10.07% fixed APR, 27 payments of $25.00, 179 payments of $125.36 and one payment of $49.04, for a total loan cost of $23,163.48. Loans that are subject to a $50 minimum principal and interest payment amount may receive a loan term that is less than 15 years.

**Term:** 15 years of principal and interest payments

**Variable rates:** 2.62% APR − 12.11% APR

**Fixed rates:** 4.75% APR − 12.11% APR

**3 Repayment Options:** Deferred repayment, $25 Fixed repayment, Interest repayment

**A typical repayment example:**

Example of a typical transaction for a $10,000 Graduate School Loan with the most common fixed rate, Fixed Repayment Option, and two disbursements. For borrowers with a 27-month in-school and separation period, it works out to 10.07% fixed APR, 27 payments of $25.00, 179 payments of $125.36 and one payment of $49.04, for a total loan cost of $23,163.48. Loans that are subject to a $50 minimum principal and interest payment amount may receive a loan term that is less than 15 years.

Lowest rates shown include the auto debit discount.^{1}

**Term:** 10 – 15 years of principal and interest payments

**Variable rates:** 1.87% – 12.48% APR

**Fixed rates:** 3.75% – 13.29% APR

**3 Repayment Options:** Deferred repayment, $25 Fixed repayment, Interest repayment

**A typical repayment example:**

Examples of typical costs for a $10,000 Smart Option Student Loan with the most common fixed rate, fixed repayment option, 6-month separation period, and two disbursements: For a borrower with no prior loans and a 2-year in-school period, it works out to a 9.43% fixed APR, 27 payments of $25.00, 119 payments of $147.89 and one payment of $108.21, for a Total Loan Cost of $18,382.12. For a borrower with $10,000 in prior loans and a 1-year in-school period, it works out to a 9.58% fixed APR, 15 payments of $25.00, 179 payments of $112.61 and one payment of $52.06 for a total loan cost of $20,584.25. Loans that are subject to a $50 minimum principal and interest payment amount may receive a loan term that is less than 10 years.

**Term:** 15 years of principal and interest payments

**Variable rates:** 3.39% – 13.05% APR

**Fixed rates:** 5.25% – 13.66% APR

No payments while you’re enrolled at least half-time and during your grace period

**A typical repayment example:**

Example of a typical transaction for a $15,000 Bar Study Loan with the most common variable rate, and one disbursement. For borrowers with no in-school period and a 9-month grace period, it works out to 8.10% variable APR, 179 payments of $153.69 and one payment of $98.69, for a toal loan cost of $27,609.20. Loans that are subject to a $50 minimum principal and interest payment amount may receive a loan term that is less than 15 years. Variable rates may increase over the life of the loan.

**Term:** 20 years of principal and interest payments

**Variable rates:** 3.39% – 9.04% APR

**Fixed rates:** 5.93% – 10.19% APR

No payments while you’re enrolled at least half-time and during your grace period

**A typical repayment example:**

Example of a typical transaction for a $20,000 Residency and Relocation Loan Loan with the most common variable rate, and one disbursement. For borrowers with no in-school period and a 36-month grace period, it works out to 6.46% variable APR, 239 payments of $180.93 and one payment of $93.34, for a toal loan cost of $43,335.61. Loans that are subject to a $50 minimum principal and interest payment amount may receive a loan term that is less than 15 years. Variable rates may increase over the life of the loan.

**Term:** 20 years of principal and interest payments

**Variable rates:** 3.39% – 9.04% APR

**Fixed rates:** 5.93% – 10.19% APR

No payments while you’re enrolled at least half-time and during your grace period

**A typical repayment example:**

Example of a typical transaction for a $20,000 Residency and Relocation Loan Loan with the most common variable rate, and one disbursement. For borrowers with no in-school period and a 36-month grace period, it works out to 6.46% variable APR, 239 payments of $180.93 and one payment of $93.34, for a toal loan cost of $43,335.61. Loans that are subject to a $50 minimum principal and interest payment amount may receive a loan term that is less than 15 years. Variable rates may increase over the life of the loan.