## Undergraduate

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

Information advertised valid as of 9/26/2022.

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

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

**Variable rates:** 3.37% – 13.72% APR

**Fixed rates:** 3.75% – 13.72% 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 9.63% fixed APR, 51 payments of $25.00, 119 payments of $172.95 and one payment of $121.42, for a Total Loan Cost of $21,977.47. For a borrower with $20,000 in prior loans and a 2-year in-school period, it works out to a 10.07% fixed APR, 27 payments of $25.00, 179 payments of $125.36 and one payment of $49.52 for a total loan cost of $23,163.96. 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:** 3.87% APR − 13.47% APR

**Fixed rates:** 4.25% APR − 12.84% 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 9.74% fixed APR, 81 payments of $25.00, 238 payments of $153.25 and one payment of $114.28, for a total loan cost of $38,612.78. 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:** 3.87% APR − 13.47% APR

**Fixed rates:** 4.25% APR − 12.85% 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 10.13% fixed APR, 57 payments of $25.00, 238 payments of $137.50 and one payment of $119.30, for a total loan cost of $34,269.30. 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:** 3.87% APR − 13.50% APR

**Fixed rates:** 4.25% APR − 12.92% 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 fixed rate, Fixed Repayment Option, and two disbursements. For borrowers with a 27-month in-school and separation period, it works out to 12.78% fixed APR, 27 payments of $25.00, 178 payments of $154.24 and one payment of $152.19, for a total loan cost of $28,281.91. 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:** 3.87% APR − 13.47% APR

**Fixed rates:** 4.25% APR − 12.85% 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 10.32% fixed APR, 42 payments of $25.00, 179 payments of $140.93 and one payment of $69.41, for a total loan cost of $26,345.88. 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:** 3.87% APR − 13.50% APR

**Fixed rates:** 4.25% APR − 12.92% 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 12.78% fixed APR, 27 payments of $25.00, 178 payments of $154.24 and one payment of $152.19, for a total loan cost of $28,281.91. 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:** 3.87% APR − 13.50% APR

**Fixed rates:** 4.25% APR − 12.92% 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 12.78% fixed APR, 27 payments of $25.00, 178 payments of $154.24 and one payment of $152.19, for a total loan cost of $28,281.91. 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:** 3.37% – 14.08% APR

**Fixed rates:** 3.75% – 14.08% 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 10.02% fixed APR, 27 payments of $25.00, 119 payments of $153.59 and one payment of $108.14, for a Total Loan Cost of $19,060.35. For a borrower with $10,000 in prior loans and a 1-year in-school period, it works out to a 10.18% fixed APR, 15 payments of $25.00, 143 payments of $130.35 and one payment of $77.93 for a total loan cost of $19,092.98. 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:** 5.14% – 14.77% 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 fixed rate, and one disbursement. For borrowers with no in-school period and a 9-month grace period, it works out to 10.44% fixed APR, 179 payments of $179.43 and one payment of $76.92, for a toal loan cost of $32,194.89. 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:** 20 years of principal and interest payments

**Variable rates:** 5.09% – 10.65% 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 fixed rate, and one disbursement. For borrowers with no in-school period and a 36-month grace period, it works out to 8.23% fixed APR, 239 payments of $218.43 and one payment of $47.79, for a toal loan cost of $52,252.56. 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:** 20 years of principal and interest payments

**Variable rates:** 5.09% – 10.65% 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 fixed rate, and one disbursement. For borrowers with no in-school period and a 36-month grace period, it works out to 8.23% fixed APR, 239 payments of $218.43 and one payment of $47.79, for a toal loan cost of $52,252.56. Loans that are subject to a $50 minimum principal and interest payment amount may receive a loan term that is less than 15 years.