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Parent Loan Rates & Terms

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The tables below provide estimates for a $10,000 loan disbursed in two equal disbursements five months apart, and that enters repayment within 30 days of full disbursement. Interest rates and APRs include the Auto-Pay Discount.3

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Fixed Rates


Terms Rate3 Repayment APR3 Number of Payments Monthly Payment4 Total Payments4
5 Year

2.80

%

2.80

%
60 $

180.16

$

10,809.77

7 Year

5.50

%

5.50

%
84 $

145.77

$

12,244.35

10 Year

6.00

%

6.00

%
120 $

112.76

$

13,530.62

15 Year

6.25

%

6.25

%
180 $

87.14

$

15,684.41

20 Year

6.40

%

6.40

%
240 $

75.20

$

18,047.88


Variable Rates


Terms Rate3 Repayment APR3 Number of Payments Monthly Payment4 Total Payments4
5 Year

3.99

%

3.99

%
60 $

186.07

$

11,164.31

7 Year

7.44

%

7.44

%
84 $

156.03

$

13,106.51

10 Year

7.69

%

7.69

%
120 $

122.07

$

14,648.61

15 Year

7.94

%

7.94

%
180 $

97.17

$

17,490.38

20 Year

8.19

%

8.19

%
240 $

86.62

$

20,788.86



 

 
 

Variable APRs and amounts subject to increase or decrease. The Variable Rate is based on an Index of the greater of the (A) 30-Day Average SOFR or the (B) forward looking term rate based on SOFR, plus a Margin. The tool assumes the current SOFR of 3.65%. The actual SOFR index may change monthly which will cause your monthly payment to increase or decrease after disbursement. The interest rates are capped and will never exceed 9.90%.