## Undergraduate

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

Information advertised valid as of September 25, 2023.

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

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

**Fixed rates:** 4.50% – 15.49% APR

**Variable rates:** 6.37% – 16.70% APR

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

**A typical repayment example:**

Examples of typical transaction 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 10.28% fixed APR, 51 payments of $25.00, 119 payments of $182.67 and one payment of $121.71, for a Total Loan Cost of $23,134.44. For a borrower with $20,000 in prior loans and a 2-year in-school period, it works out to a 10.78% fixed APR, 27 payments of $25.00, 179 payments of $132.53 and one payment of $40.35 for a total loan cost of $24,438.22. Loans that are subject to a $50 minimum principal and interest payment amount may receive a loan term that is less than 10 years. A variable APR may increase over the life of the loan. A fixed APR will not.

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

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

**Fixed rates:** 4.99% APR − 14.46% APR

**Variable rates:** 6.87% APR − 16.44% 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 10.32% fixed APR, 81 payments of $25.00, 238 payments of $166.28 and one payment of $86.58, for a total loan cost of $41,686.22. Loans that are subject to a $50 minimum principal and interest payment amount may receive a loan term that is less than 20 years. A variable APR may increase over the life of the loan. A fixed APR will not.

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

**Fixed rates:** 4.99% APR − 14.47% APR

**Variable rates:** 6.87% APR − 16.45% 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 10.77% fixed APR, 57 payments of $25.00, 238 payments of $148.13 and one payment of $98.46, for a total loan cost of $36,778.40. Loans that are subject to a $50 minimum principal and interest payment amount may receive a loan term that is less than 20 years. A variable APR may increase over the life of the loan. A fixed APR will not.

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

**Fixed rates:** 4.99% APR − 14.48% APR

**Variable rates:** 6.87% APR − 16.47% 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 14.30% fixed APR, 27 payments of $25.00, 178 payments of $172.22 and one payment of $115.59, for a total loan cost of $31,445.75. Loans that are subject to a $50 minimum principal and interest payment amount may receive a loan term that is less than 15 years. A variable APR may increase over the life of the loan. A fixed APR will not.

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

**Fixed rates:** 4.99% APR − 14.47% APR

**Variable rates:** 6.87% APR − 16.46% 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 10.99% fixed APR, 42 payments of $25.00, 179 payments of $149.82 and one payment of $62.59, for a total loan cost of $27,930.37. Loans that are subject to a $50 minimum principal and interest payment amount may receive a loan term that is less than 15 years. A variable APR may increase over the life of the loan. A fixed APR will not.

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

**Fixed rates:** 4.99% APR − 14.48% APR

**Variable rates:** 6.87% APR − 16.47% 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 14.30% fixed APR, 27 payments of $25.00, 178 payments of $172.22 and one payment of $115.59, for a total loan cost of $31,445.75. Loans that are subject to a $50 minimum principal and interest payment amount may receive a loan term that is less than 15 years. A variable APR may increase over the life of the loan. A fixed APR will not.

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

**Fixed rates:** 4.99% APR − 14.48% APR

**Variable rates:** 6.87% APR − 16.47% 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 14.30% fixed APR, 27 payments of $25.00, 178 payments of $172.22 and one payment of $115.59, for a total loan cost of $31,445.75. Loans that are subject to a $50 minimum principal and interest payment amount may receive a loan term that is less than 15 years. A variable APR may increase over the life of the loan. A fixed APR will not.

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

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

**Fixed rates:** 4.50% – 15.69% APR

**Variable rates:** 6.37% – 16.78% APR

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

**A typical repayment example:**

Examples of typical transaction 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 10.73% fixed APR, 27 payments of $25.00, 119 payments of $160.63 and one payment of $107.39, for a Total Loan Cost of $19,897.36. For a borrower with $10,000 in prior loans and a 1-year in-school period, it works out to a 10.92% fixed APR, 15 payments of $25.00, 143 payments of $136.14 and one payment of $74.20 for a total loan cost of $19,917.22. Loans that are subject to a $50 minimum principal and interest payment amount may receive a loan term that is less than 10 years. A variable APR may increase over the life of the loan. A fixed APR will not.

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

**Fixed rates:** 7.01% – 15.26% APR

**Variable rates:** 8.13% – 17.72% 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 11.19% fixed APR, 179 payments of $188.20 and one payment of $64.26, for a toal loan cost of $33,752.06. Loans that are subject to a $50 minimum principal and interest payment amount may receive a loan term that is less than 15 years. A variable APR may increase over the life of the loan. A fixed APR will not.

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

**Fixed rates:** 6.40% – 10.26% APR

**Variable rates:** 7.94% – 13.34% 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 8.58% fixed APR, 239 payments of $226.48 and one payment of $23.76, for a toal loan cost of $54,152.48. Loans that are subject to a $50 minimum principal and interest payment amount may receive a loan term that is less than 20 years. A variable APR may increase over the life of the loan. A fixed APR will not.

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

**Fixed rates:** 6.40% – 10.26% APR

**Variable rates:** 7.94% – 13.34% 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 8.58% fixed APR, 239 payments of $226.48 and one payment of $23.76, for a toal loan cost of $54,152.48. Loans that are subject to a $50 minimum principal and interest payment amount may receive a loan term that is less than 20 years. A variable APR may increase over the life of the loan. A fixed APR will not.