## Undergraduate

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

Information advertised valid as of 1/25/2023.

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

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

**Variable rates:** 5.37% – 15.70% APR

**Fixed rates:** 4.50% – 14.83% 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 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.

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

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

**Variable rates:** 5.87% APR − 15.45% APR

**Fixed rates:** 5.25% APR − 14.46% APR

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

**A typical repayment example:**

Example of a typical transaction for a $10,000 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 10.61% fixed APR, 81 payments of $25.00, 238 payments of $173.04 and one payment of $68.39, for a total loan cost of $43,276.91. 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:** 5.87% APR − 15.46% APR

**Fixed rates:** 5.25% APR − 14.47% APR

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

**A typical repayment example:**

Example of a typical transaction for a $10,000 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 11.09% fixed APR, 57 payments of $25.00, 238 payments of $153.63 and one payment of $84.72, for a total loan cost of $38,073.66. 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:** 5.87% APR − 15.47% APR

**Fixed rates:** 5.25% APR − 14.48% 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.

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

**Variable rates:** 5.87% APR − 15.46% APR

**Fixed rates:** 5.25% APR − 14.47% APR

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

**A typical repayment example:**

Example of a typical transaction for a $10,000 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 11.32% fixed APR, 42 payments of $25.00, 179 payments of $154.40 and one payment of $58.24, for a total loan cost of $28,745.84. 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:** 5.87% APR − 15.47% APR

**Fixed rates:** 5.25% APR − 14.48% 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.

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

**Variable rates:** 5.87% APR − 15.47% APR

**Fixed rates:** 5.25% APR − 14.48% 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.

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

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

**Variable rates:** 5.37% – 15.89% APR

**Fixed rates:** 4.50% – 15.10% 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 10.73% 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.

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

**Variable rates:** 7.13% – 16.74% 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:** 7.00% – 12.45% 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:** 7.00% – 12.45% 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.