Student Loan Rates
02/22/2025
| Product/Term | APR (Minimum) | APR (Maximum) | Amount | Payment | ||
|---|---|---|---|---|---|---|
| Undergrad Student Loans | ||||||
| Private Student Line of Credit (Variable) | 7.75% | 15.75% | Up to $75,000 | |||
| Private Student Line of Credit (Fixed) | 7.00% | 15.75% | Up to $75,000 | |||
| Student Loan Refinance | ||||||
| 5 Year Fixed | 6.75% | 15.50% | $5,000 - $125,000 | $19.68 – $24.05 | ||
| 10 Year Fixed | 7.25% | 16.00% | $5,000 - $125,000 | $11.74 – $16.75 | ||
| 15 Year Fixed | 7.75% | 16.75% | $5,000 - $125,000 | $9.41 – $15.21 | ||
| 5 Year Variable | 7.50% | 15.50% | $5,000 - $125,000 | $20.04 – $24.05 | ||
| 10 Year Variable | 8.00% | 16.00% | $5,000 - $125,000 | $12.13 – $16.75 | ||
| 15 Year Variable | 8.50% | 16.50% | $5,000 - $125,000 | $9.85– $15.00 | ||
Undergrad Student Loans
Private Student Line of Credit (Variable)
Private Student Line of Credit (Fixed)
Student Loan Refinance
5 Year Fixed
10 Year Fixed
15 Year Fixed
5 Year Variable
10 Year Variable
15 Year Variable
1VT Undergrad Student Loans - Variable & Tiered Rates
Rates are variable and based on the highest Prime Rate as published in the Money Rates Section of The Wall Street Journal (Index) plus a Margin. The Index plus the Margin equals the Interest Rate. The Index is based on the Prime Rate as of the first business day of the last month of each quarter (March, June, September, December). Changes in the Index will cause changes in the Interest Rate on the first day of the following quarter (January 1, April 1, July 1, October 1), and the Interest Rate will never be less than 1.99% or greater than 18.00%, regardless of the index or any rate discount.
V Variable Rates.
T Tiered Rates. Tiered Rates are based on credit qualifications and other factors specific to your loan and may be higher than the lowest rate published.
1FT Undergrad Student Loans - Fixed & Tiered Rates
F Fixed Rates.
T Tiered Rates. Tiered Rates are based on credit qualifications and other factors specific to your loan and may be higher than the lowest rate published.
2 Student Loan Refinance
Important Notice: Remember that by refinancing federal student loans, you may lose certain borrower benefits from your original loans. These may include interest rate discount, principal rebates,suspension of payments, or some cancellation/forgiveness benefits that can significantly reduce the cost of repaying your loans. Please consider these benefits carefully when considering your options for refinancing federal student loans.
3 Student Loan Refinance
Rates are variable and based on the highest Prime Rate as published in the Money Rates Section of The Wall Street Journal (Index) plus a Margin. The Index plus the Margin equals the Interest Rate. The Index is based on the Prime Rate as of the first business day of the last month of each quarter (March, June, September, December). Changes in the Index will cause changes in the Interest Rate on the first day of the following quarter (January 1, April 1, July 1, October 1), and the Interest Rate will never be less than 1.99% or greater than 18.00%, regardless of the index or any rate discount.
4 Student Loan Refinance
Estimated Payment per $1,000 Borrowed.
5 Student Loan Refinance
F Fixed Rates.
T Tiered Rates. Tiered Rates are based on credit qualifications and other factors specific to your loan and may be higher than the lowest rate published.
D Rates reflect a 0.25% discount for optional enrollment in automatic electronic payments.
6 Student Loan Refinance
V Variable Rates.
T Tiered Rates. Tiered Rates are based on credit qualifications and other factors specific to your loan and may be higher than the lowest rate published.
D Rates reflect a 0.25% discount for optional enrollment in automatic electronic payments.