Our featured lender of the day!
  • Variable Rates: 6.37% APR - 16.70% APR. Fixed Rates: 4.50% APR - 15.49% APR. Lowest rates shown include 0.25% interest rate discount with auto debit payments.1
  • Apply online in minutes and receive an instant credit result2
  • Multiple repayment options from in-school payments to deferred.1 No origination fee or prepayment penalty3
  • Last year, students were 3x more likely to be approved with a cosigner4 and it may help you get a better rate.
  • Borrow up to 100% of school-certified expenses, whether you're online or on campus5
  • Check your eligibility in just 2 minutes
  • Flexible repayment options you can choose from
  • No fees for origination, disbursement, prepayment, or late payment3
  • Skip a payment once per year (once repayment period restarted)4
  • Will cover up to 100% of the school's certified cost of attendance
  • 9-month grace period (3 months more than most lenders)2
  • Apply over the phone with the Client Happiness Team
    • Call 866-492-1222, Monday through Friday, 5 A.M. - 5 P.M. PST
    • Mention us when you call in to start your application
  • Variable Rates: Starting variable rates range from 5.99% APR to 14.83% APR (with autopay)*, and will never exceed 13.95% (sometimes lower in certain states as required by law)
  • Fixed Rates: Fixed rates range from 4.44% APR to 14.83% APR (with autopay)*
  • Easy online application!
  • No origination fees, late fees, and no insufficient fund fees. Period
  • Up to four repayment types (including no payments while in school) and multiple repayment terms help you find the loan that fits your budget
  • 0.25% discount when you set up autopay*
  • MUST BE a US citizen or permanent resident
  • MUST attend an Edly-supported school
  • Cosigner and Non-Cosigner student loan products available
  • Income-based repayment with built-in protections, like hardship forbearance if you lose your job
  • Variable Rates: 6.85% APR – 10.68% APR; Fixed Rates: 7.35% APR – 10.68% APR (with auto debit discount).
  • Multiple repayment options available including deferred, interest-only, and immediate.
  • Repayment terms of 5, 10, or 15 years available.
  • Absolutely no fees – no origination fee, no late fee, and no prepayment penalty.
  • 0.25% discount when you make payments via auto debit.
  • Ability to borrow for prior loan periods (restrictions apply).
  • Marketplace Advantage: A single application to instantly prequalify across our extensive lender network.
  • One and Done: Forget the hassle of multiple applications. Our common loan application delivers you up to 5 prequalified rates from national lenders.
  • Affordability Meets Choice: Enjoy competitive fixed APRs starting as low as 4.42%.
  • Students First: Always free to use, and no hidden fees.
  • Risk-free Exploration: No Hard Credit Pulls! Prequalify without impacting your credit score.
  • No cosigner required.
  • Income based repayment, once you're graduated and employed.
  • No payments when you're unemployed or earning below $30,000/year.
  • Shorter repayment. Only 5 years of payments.*
  • Get a quote in less than a minute. Quick and easy application process. Transparent calculator and comparison tool.
  • Must be BA, MA, or PhD student WITHIN 2 YEARS OF GRADUATION, enrolled in a program that meets our outcome-driven eligibility criteria.

* Your Maximum Payment Period is inclusive of any months where Monthly Payments are made as well as any months that are Deferred Months; this will only be extended if you receive Forbearance, which will extend your Maximum Payment Period on a one-for-one basis.

1To be eligible for a Stride Income Share Agreement, students must meet specific criteria.

Smart Option Student Loan®
  • Pay for your bachelor's, associate's, or certificate expenses at a degree-granting school (i.e. ()) or for a professional training and trade certificate courses (culinary, technical, etc.) at a non-degree granting school.

1To be eligible for a Stride Income Share Agreement, students must meet specific criteria.

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