• 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

• AFFORDABLE variable rates starting at 6.15% APR with Automatic Debit Discount*
• 1% CASH BACK Graduation Reward*
• NON-COSIGNED option may be available for eligible undergraduate juniors and seniors.
• PAY AFTER LEAVING SCHOOL – Customize your loan with flexible repayment options – start payments after graduation.
• FORGET FEES – No application, origination or disbursement fees. No prepayment penalty if you choose to pay your loan off early.
• COVER UP TO 100% of your tuition and eligible living expenses.

• 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

• 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.

• Up to $15,000 per academic year with no cosigner required
• Fixed Rates (APR) from 7.99% to 12.49% (plus an additional 0.5% discount for ACH auto-payments)^*
• No origination fee. No late payment fees. No prepayment penalties.
• Quick prequalification and rate check that won’t impact your credit
• Multiple repayment options
• Dedicated loan officer for every borrower

• 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

• Meratas is not a lender: Our only favorite is you. We're on a mission to help students find their best loan offer.
• Competitive fixed APRs: Starting at just 4.42%.
• Made for students: Find the best private student and personal loan rates.
• Flexible options: Wide range of loan terms to fit your needs.
• No hidden costs: Always free to use.
• Risk-free: Pre-qualification won't affect your credit score.
• One-stop convenience: Search for both student loans and personal loans with just one universal application.