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College Students and Recent Grads

Guide to Free Community College in the U.S.

Editorial Note: The editorial content on this page is not provided or commissioned by any financial institution. Any opinions, analyses, reviews, statements or recommendations expressed in this article are those of the author’s alone, and may not have been reviewed, approved or otherwise endorsed by any of these entities prior to publication.

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Free community college in the U.S. is starting to become a reality. Since 2014, four states have signed into law “College Promise” programs aimed at delivering subsidized higher education to their residents. Numerous cities across the U.S. have also taken notice, enacting localized scholarships that cover the costs of two-year college programs.

While the past few years have proven to be monumental for the College Promise cause, this is a movement that has been long in the making:

The history of the free college movement in the United States

Where you can go to community college for free

There are currently 10 statewide free community college programs enacted across the U.S.:

The fight for free community college tuition is growing rapidly at the local level as well. There are notable free community college programs in:

  • San Francisco
  • Chicago
  • Long Beach, Calf.
  • Kalamazoo, Mich.

For this article, we’ll be focusing on New York, Oregon, Rhode Island and Tennessee due to the level of funding and reach of the state programs.

What you need to know

The free community college movement

Over the past four years, there has been a significant push to make America’s public colleges tuition-free.

The Campaign for Free College Tuition was established in 2014 as 501(c)(3) nonprofit. They are a bipartisan group that works with elected officials, leaders and policy experts to make public colleges tuition-free.

In addition, former President Barack Obama proposed the College Promise National Advisory board in 2015, which pushed for offering two years of community college tuition-free. This proposal was expanded with the America’s College Promise Act of 2015, which would award federal-state partnership grants to states who waive tuition and fees for students wanting to attend community college.

While every state program is different, they are helping students ease the burden of college debt and gain access to higher education.

Free college in New York

New York made history in April 2017, when the Excelsior Scholarship was signed into law. The program, which was originally proposed by Gov. Andrew Cuomo in January 2017, promises free tuition for in-state students attending two- or four-year colleges within the State University of New York (SUNY) and City University of New York (CUNY) campuses. This is the first college promise program in the U.S. to encompass both four-year universities and community colleges within the state.

Who qualifies

To qualify for the Excelsior Scholarship in New York, applicants must:

  • Reside in New York state for 12 months prior to application submission
  • Be a U.S. citizen or an eligible non-citizen
  • Have graduated high school within the U.S., earned a high school equivalency diploma or passed an “Ability to Benefit” test
  • Plan to attend a SUNY or CUNY campus for a two- or four-year degree
  • Complete 30 credits a year (minimum of 12 a semester)
  • Maintain good academic standing
  • Be on track to earn an associate’s degree in two years or bachelor’s degree in four years
  • Applicant’s household income must not exceed:
    • $100,000 for the 2017-2018 school year
    • $110,000 for the 2018-2019 school year
    • $125,000 for the 2019-2020 school year

What it covers

The Excelsior Scholarship is a last-dollar program, meaning students must first exhaust federal and state resources, scholarships and grants before the program kicks in. Students are awarded up to $5,500 for tuition and fees, minus any dollars received from Pell Grants, New York’s Tuition Assistance Program (TAP) or other scholarship awards.

Students who qualify for the Excelsior Scholarship will have their tuition covered at SUNY and CUNY schools via a credit, which goes directly to the institution and covers any remaining costs. It does not provide financial assistance for books, housing or transportation.

Fine print

  1. Must live and work in New York for as many years as enrolled in the program: If a student fails to do so, the award converts over to a loan.
  2. Students must apply for all applicable financial aid: This includes Pell Grants, TAP and other financial awards before applying to the program.

Free community college in Rhode Island

Gov. Gina Raimondo signed the “Rhode Island Promise” into law in January 2017. It provides recent graduates in Rhode Island a path toward higher education, no matter their family’s income level.

Who qualifies

To qualify for the Rhode Island Promise, potential applicants must:

  • Be Rhode Island resident
  • Be younger than 19 years old when you completed high school or GED program
  • Have recently graduated high school (public, private or home schooled) or recently received a GED
  • Apply to the Community College of Rhode Island
  • Enroll the following semester after high-school graduation as a full-time student
  • Fill out a FAFSA
  • Fill out the Rhode Island Promise Attestation form

What it covers

The Rhode Island Promise covers two years of tuition and fees for applicants. Students who receive the Promise are entitled to tuition and fees for two years at the Community College of Rhode Island to complete an associate’s degree.

Like New York, the Rhode Island Promise is a last-dollar scholarship. Students may also apply for other financial awards such as Pell Grants, Supplemental Education Opportunity Grants (SEOG) or individual institution scholarships. The grant covers any remaining balance.

A key distinction of the Rhode Island Promise is that there is no household income limit for applicants. So long as students adhere to the requirements above, they are eligible. Once they complete the program, students are not required to stay in the state, though they are encouraged.

Fine print

While the Rhode Island Promise is a very generous grant, there are a few things to consider.

  1. Students must take a full course load every semester: Students who are considered part-time (less than 12 credits) during the add/drop period will not receive the scholarship, nor will they be eligible for future semesters.
  2. Students must maintain a cumulative GPA of 2.5: If a GPA falls below 2.5, students have the ability to take summer classes; however the Rhode Island promise does not cover summer courses.
  3. Students must complete 30 credits in the first year to renew the scholarship: To be eligible for a second year of the scholarship, students must have 30 credits. AP classes taken in high school can count towards this.

Free community college in Tennessee

Tennessee became the first state to offer free community college to all residents in May 2014, when the Tennessee Promise was signed into law. Championed by Gov. Bill Haslam, the Tennessee Promise has paved the way for many of the other states to create similar free college programs. As of February 2017, over 33,000 students had enrolled in the program.

Who qualifies

To qualify for the Tennessee Promise, applicants must:

  • Be a Tennessee resident
  • U.S. citizen or eligible noncitizen
  • Apply for the Tennessee Promise scholarship
  • Complete a FAFSA
  • Be under the age of 19, after graduating high school or GED program
  • Have recently graduated from high school (public, private, home school) or recently received their GED
  • Enroll as a full-time student for the fall semester following graduation
  • Attend a mandatory meeting in applicant’s local area
  • Complete eight hours of community service every semester prior to the start of the semester

What it covers

The Tennessee Promise Scholarship is a last-dollar scholarship that covers tuition and fees for any of the state’s colleges of applied technology (TCATs), community colleges or in-state public four-year colleges that offer a two-year program. It does not cover the cost of books, transportation or room and board. The scholarship is applied after all other forms of financial aid have been exhausted.

While the scholarship has no household income requirements, the program does focus on attracting low income, at-risk students by working with high school guidance counselors across the state. According to the TN Achieves report, the average award for the 2016-2017 year was $1,090 per student.

A unique aspect of the Tennessee Promise Scholarship is the program’s emphasis on mentor guidance. In addition to the money eligible students receive, the state has recruited over 32,000 volunteers since the programs start in 2009. The goal of a mentor, who is given a maximum of 10 students, is to make the road to college as clear as possible for students. Training is provided to mentors, and students must meet with their mentors at two mandatory meetings held in each county before the start of fall semester.

Fine print

There are a few things to keep in mind when applying for the Tennessee Promise Scholarship:

  1. Students must attend for consecutive semesters as a full-time student: A gap in enrollment or a drop down to part-time student results in ineligibility for the program.
  2. Students must maintain a 2.0 GPA.
  3. Missing a mandatory meeting results in permanent ineligibility.
  4. Students must complete eight hours of community service every semester.

How to leverage your community college degree

Students who obtain an associate’s degree save over 60% in the cost of tuition and fees when compared with the same costs at a four-year college. The American Association of Community Colleges reported that for the 2016-2017 school year, the average cost of tuition and fees for a four-year public in-state college was $9,650, compared with community colleges that charged $3,520.

One way to minimize the cost of college is to take core classes and electives at a community college before transferring to a four-year school. This strategy allows students to take the same classes a student would be taking at a four-year college, without the price tag of a four-year college. Once completed, students can transfer to a four-year college to complete their bachelor’s degree.

Students already enrolled in a four-year school can still take advantage of these savings by taking approved electives and core classes over the summer at a community college. This strategy can help students graduate on time and save money.

Pros and cons of transferring to a four-year school

The main benefit of attending a community college prior to a four-year school is the cost savings. Depending on a student’s living situation, many can live at home and commute to community college. This eliminates room and board costs, which are an average of $10,800 for the 2017-2018 school year, according to the College Board.

Students transferring from a community college to a four-year school generally have a clear pathway, so long as they are in good academic standing; however it’s important to make sure credits will transfer. This is especially true if a student changes majors upon transferring. For example, a student who took core classes for a history major at community college but switches to a biology major at a four-year college may have to retake certain core classes.

Alternatives to community college

Community college is not the only way to learn new skills and increase your earning potential. While traditional two- and four-year college programs can open up job opportunities, it’s important to note there are other pathways to career success.

Apprenticeships

Apprenticeships offer students a way to learn a specific skill or trade without the burden of student debt, while also earning a wage. According to the U.S. Department of Labor, “87 percent of apprentices are employed after completing their programs, with an average starting wage above $50,000 per year.” The recent rise in the popularity of registered apprenticeships is thanks to a labor department initiative, ApprenticeshipUSA, which received $10.4 million in accelerator grants at the start of 2017.

While many apprenticeships apply to certain trade skills like electrical or construction work, there are apprenticeships in the health care, business, hospitality, energy industries, as well as others. The labor department lists a variety of resources for finding and learning more about apprenticeships.

Certificate programs

Certificate programs allow students to become experts in certain skills and industries without committing to a full undergraduate or graduate degree. Intensive programs can be a short as 10 to 12 weeks, while others may take up to three years to complete, depending on education level and area of interest.

Certificate programs are becoming widely popular within the IT industry due to the salary boost that comes with them. The Global Knowledge 2017 IT Skills and Salary report found that the difference between salaries of certified vs. noncertified IT employees was 11.7 percent, or $8,400 a year.

Certificate programs can be found at community colleges, graduate schools and online schools across the globe. Popular programs vary for different levels of education. For example, getting certified as a yoga or pilates instructor requires less prior education requirements than someone looking to become a certified financial planner.

Trade school

Designed to teach students skills related to a specific career, trade schools give students hands-on learning that directly applies to specific careers. One of the major benefits of attending a trade school, also known as vocational schools, are the job placement programs that come along with them. Many vocational schools have strong ties to certain industries giving students a clear pathway toward earning their first paycheck.

Popular trade school programs include automotive, plumbing, electrical and HVAC, among others, and can be found in high schools, community colleges and for-profit industry trade schools across the country.
If you’re seriously considering trade school, be sure to do your due diligence on the school. The FTC warns that some for-profit trade schools misrepresent what they can offer students. To avoid losing out on a quality education, prospective students should look for schools that are licensed by state agencies (like the Department of Education), or accredited by a legitimate organization. Other good information to find out would be: “What percentage of graduates found work after graduation?” and “What are the average starting salaries of graduates?”

Whatever higher education path you take, be sure to look into local and state-run scholarships and grant programs. Research all your options, and plan your finances ahead of time.

Advertiser Disclosure: The products that appear on this site may be from companies from which MagnifyMoney receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). MagnifyMoney does not include all financial institutions or all products offered available in the marketplace.

Jackson Wise
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Jackson Wise is a writer at MagnifyMoney. You can email Jackson here

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6 Best Reasons to Refinance Student Loan Debt in 2019

Editorial Note: The editorial content on this page is not provided or commissioned by any financial institution. Any opinions, analyses, reviews, statements or recommendations expressed in this article are those of the author’s alone, and may not have been reviewed, approved or otherwise endorsed by any of these entities prior to publication.

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Like the beginning of a new year, student loan refinancing can offer you a fresh start.

And this time, you could enjoy a lower interest rate or reduced monthly payment, as well as choosing which lender or servicer helps you reach the finish line.

These are among the six reasons to refinance your student loan debt in 2019.

1. Reduce your rate

After staggering four rate hikes across 2018, upping its benchmark by a full percentage point, the Federal Reserve is expected to impose increases of roughly half a percentage point during 2019.

Although it’s difficult to pinpoint the perfect time to refinance your student loans, this year could be the right time for you, as banks, credit unions and online lenders are still offering relatively low rates.

Don’t simply rely on lenders’ advertising, however. To qualify for the bottom of their best rate ranges, you’ll need a strong credit score and a healthy debt-to-income ratio. A steady, well-paying job helps, too.

You might treat 2019 as the year to strengthen your refinancing application, even if you decide it’s not the year you’ll be able to snag that super low rate.

A lower rate equals greater savings. Say you refinance $30,000 on a 10-year term and manage to cut your original average rate of 8% down to 5%. You’d save $5,494 over the next decade — no small chunk of change.

Check out our student loan refinance calculator to see what your own numbers look like.

2. Stretch your paycheck

Some borrowers see refinancing as a way of lowering their interest rate, but others see it as a pathway to reduce monthly payments.

A smaller monthly due could stretch your paycheck, which could be helpful if debt repayment isn’t your only financial goal for the year ahead.

By refinancing your federal loans and their 10-year standard repayment plan, you could switch to a longer term with a private lender. Most lenders offer you the ability to choose a term anywhere between five and 20 years.

If temporarily lowering your payments via refinancing is your top priority, shop around. You might be surprised by what you find. LendKey, for example, offers interest-only payments for up to four years.

As you seek a lower monthly payment in 2019, keep a couple of caveats in mind. By choosing a longer repayment term, for example, your loan repayment becomes progressively more expensive. That’s because interest will accrue and capitalize onto the principal loan amount.

Say you refinanced that $30,000 loan to a longer, 20-year term. Despite lowering your rate from 8% to 5%, you’d pay an additional $3,839 in interest over the life of your loan.

Also, don’t forget about the federal government’s income-driven repayment plans. With a plan like income-based repayment, you could tie your dues to a percentage of your discretionary income — and hold on to government-exclusive protections, such as access to loan forgiveness programs. It’s a preferable alternative to refinancing for many borrowers.

3. Snag some perks

If you’re considering refinancing federal loans, you might be worried about what you’d be giving up. The list includes access to loan forgiveness, plus the ability to switch repayment plans or receive mandatory forbearance.

Although private lenders won’t offer the same protections, their benefits are getting better and better all the time.

Consider some of the recent innovations being offered by top-rated lenders:

  • SoFi’s Unemployment Protection program lets you pause your loan for up to 12 months, and it includes career coaching support to find your next gig.
  • Earnest allows you to choose your payment due date, select from a much wider assortment of repayment terms than at most lenders, and skip one payment annually.
  • CommonBond has pioneered hybrid loans for student refinancing, offering a loan that blends fixed and variable rates.
  • Laurel Road is among the group of lenders that give a parent the chance to refinance federal PLUS Loans in their child’s name.

If an atypical loan feature makes refinancing right for you, survey the landscape in 2019 to see if any reputable lender offers the benefits you seek.

4. Simplify your repayment

If you’re holding federal loans, you might be cautiously optimistic about NextGen, the Department of Education’s plan to reorganize how student loan servicing works. If it fulfills expectations when it arrives sometime in 2019, NextGen will allow you to make your monthly payments in one place at one time.

“Cautiously optimistic” are the operative words here. NextGen is a massive undertaking, and government projects can sometimes move more slowly then we’d like, so you might not want to count on the new platform simplifying your repayment.

On the other hand, refinancing offers you that simplicity now. By replacing your federal loans (and private loans, if you have them), you’re not just receiving a new interest rate and repayment term. You’re also simultaneously consolidating (or grouping) them by replacing them with a single refinanced loan.

5. Choose your lender

When you first borrowed federal loans, you weren’t given the option to select your loan servicer.

Refinancing, however, allows you to choose your lender based on whatever criteria matter most to you. For example, you might be seeking a lender that services its own loans or offers a unique perk (see point No. 3 above).

Regardless of what you want in a new lender, remember that this year, you’re in charge. Shop around and hold potential banks, credit unions and online companies accountable for what you want out of refinancing. If they’re unable to meet your needs, move on to a competitor.

6. Gain financial independence

Student loan refinancing is more accessible in 2019 than it has been at any point previously.

In mid-2018, for instance, CommonBond announced it would accept refinancing candidates who are visa holders who have graduated from a U.S. university. Citizens Bank has been refinancing debt for college dropouts. Plus, more and more lenders are removing employment and minimum income from their eligibility requirements.

If you’ve found refinancing to be out of your reach, you might now be in luck. As a creditworthy applicant, you could thank the cosigner on your original loans by removing their name from your refinance application.

If not — maybe your credit score still needs work — take the first months of 2019 to strengthen your application. A cosigner could help you do just that. Plus, through refinancing, you could release that cosigner within a relatively short period. Splash Financial and LendKey are among lenders that offer cosigner release after just one year of prompt payments.

That would give you greater financial independence by 2020 — and put you on a path to becoming debt-free on your own.

Advertiser Disclosure: The products that appear on this site may be from companies from which MagnifyMoney receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). MagnifyMoney does not include all financial institutions or all products offered available in the marketplace.

Andrew Pentis
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Andrew Pentis is a writer at MagnifyMoney. You can email Andrew here

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College Students and Recent Grads, Pay Down My Debt

Student Loan Forgiveness Programs for Doctors

Editorial Note: The editorial content on this page is not provided or commissioned by any financial institution. Any opinions, analyses, reviews, statements or recommendations expressed in this article are those of the author’s alone, and may not have been reviewed, approved or otherwise endorsed by any of these entities prior to publication.

As a medical professional, you might have taken on a mountain of debt on your journey to becoming a doctor. The average indebted doctor left medical school in 2016 owing more than $189,000 in student loans, according to the Association of American Medical Colleges.

Even if you’re on your way to a six-figure income, your residency income will likely be far less — in 2017, residents earned an average of just over $57,000. During that time, the interest alone on all your student loans could be equal to your entire disposable income after room and board.

Fortunately, there are student loan forgiveness programs for doctors and other medical professionals that could pay off part or even all of your loans. If you’re looking to cure yourself of medical school debt, turn to these programs for assistance.

National Health Service Corps (NHSC)

The National Health Service Corps can provide up to $50,000 to repay your health profession student loan in exchange for a two-year commitment to work at an NHSC site in a high-need, underserved area. After completing your initial service commitment, you can apply to extend your service and receive additional loan repayment assistance.

In order to qualify, you’ll need to work at least half-time in a designated Health Professional Shortage Area (HPSA). Along with earning loan forgiveness, you could put your medical degree to good use by caring for an underserved community.

Indian Health Services Loan Repayment Program

This federal program offers up to $40,000 in exchange for two years of service in an American Indian or Alaskan Native community. You can also renew your contract and receive additional benefits that could pay off your entire student loan balance.

National Institutes of Health (NIH) Loan Repayment Program

If you work in medical research, you could qualify for $35,000 per year from the NIH Loan Repayment Program. To do so, you’ll need to conduct research at a non-profit organization in an eligible field, such as health disparities, contraception and infertility or pediatric medicine.

Students to Service Program

If you’re still in medical school, you can apply for a major award through the Students to Service Program. This program provides up to $120,000 to medical students who commit to providing primary health care at an approved site for three years after graduating.

Public Service Loan Forgiveness Program (PSLF)

The PSLF program is intended to encourage individuals to enter and continue to work full-time in public service jobs. You could receive forgiveness of the remaining balance of your federal direct loans after making 120 qualifying payments while employed by certain public service employers.

Since you’ll likely have to work for 10 years before you get loan forgiveness, you’ll have to move your student loans off the standard 10-year plan and onto an income-driven repayment or extended repayment plan — otherwise you’ll have already paid off your balance by the time you qualify for forgiveness.

You should also keep up to date with any developments around the PSLF program. While it was signed into law in 2007, the program is not guaranteed to be around forever, and it’s recently drawn controversy over the uncertainty around getting approved.

Military loan repayment programs

If you’re serving as a medical provider in the Army, Navy or Air Force, you could qualify for assistance toward your student loans. Here are some of the programs available for military personnel.

Financial Assistance Program (FAP)

The Army, Air Force and Navy all offer the FAP, a program that grants loan repayment assistance and a living stipend to medical residents.

If you’re a medical resident in the Army or Air Force, you could get at least $45,000 per year of service, plus a monthly stipend of at least $2,000. And although the Navy grant can change from year to year, Navy medical residents could also qualify for significant assistance from the Navy FAP.

Active Duty Health Professions Loan Repayment Program

This program offers up to $40,000 per year in student loan repayment over a set number of years. You must be a physician in the Army, Navy, or Air Force to qualify.

U.S. Navy Health Professions Loan Repayment Program (HPLRP)

The Health Professions Loan Repayment Program (HPLRP) provides medical personnel in the Navy with aid for their education loans. If you meet the program’s criteria, you could receive repayment assistance of up to $40,000 per year, minus about 25% in federal taxes.

State Loan Repayment Assistance Programs (LRAPs)

Many states also run programs that grant student loan repayment assistance in exchange for working in a high-need or underserved area. A good place to check the medical loan repayment and forgiveness programs available in your area is through the AAMC database.

Here are just two examples of the many state-specific programs:

  • The Arizona Loan Repayment Program offers up to $65,000 in exchange for a two-year commitment from physicians.
  • The Kansas State Loan Repayment Program offers up to $25,000 per year of contract toward your outstanding education debt. After completion of the initial two-year service obligation, you may be able to extend your contract in one-year increments.

Check with your state to find out if it has an LRAP for doctors, nurses or other medical professionals. Depending on where you live and work, you could qualify for significant assistance toward your student loans.

Do the math before committing to a loan forgiveness program

As you take a look at each loan forgiveness program, remember to weigh salary considerations against any amount you’d receive in student loan assistance. Opting for a job with a $75,000 salary to earn $25,000 in loan forgiveness wouldn’t be as lucrative as going after a job with a $200,000 salary and no loan forgiveness, for instance.

Unless you’re driven to work in a high-need area or with an underserved population, you might not benefit from sacrificing a high salary for the sake of qualifying for loan forgiveness. Consider your career goals and your wants and needs in a job.

Refinancing student loans can also help

Whether or not you’re working toward student loan forgiveness, you might also consider refinancing as a strategy for managing your debt. Through refinancing, you could reduce your interest rates and save money on your loans beyond whatever forgiveness you can get from these programs.

Because of their steady incomes, doctors tend to be especially strong candidates for student loan refinancing. Along with lowering your rate, you could choose new terms and adjust your monthly payments.

But refinancing with a private lender also means you’ll lose access to federal programs and repayment plans, so make sure you’re comfortable with this sacrifice before making any changes to your debt. If you decide refinancing is right for you — or simply want to learn more about the process — check out the best lenders to refinance student loans here.

Rebecca Safier contributed to this article.

Our Top Picks for Refinancing Student Loans

You can learn more about what these lenders have to offer by checking out the best options to refinance student loans here.

LenderTransparency ScoreMax TermFixed APRVariable APRMax Loan Amount 
SoFiA+

20


Years

3.90% - 7.95%


Fixed Rate*

2.47% - 7.17%


Variable Rate*

No Max


Undergrad/Grad
Max Loan
Learn more Secured

on SoFi’s secure website

EarnestA+

20


Years

3.89% - 7.89%


Fixed Rate

2.57% - 6.97%


Variable Rate

No Max


Undergrad/Grad
Max Loan
Learn more Secured

on Earnest’s secure website

CommonBondA+

20


Years

3.67% - 7.25%


Fixed Rate

2.61% - 7.35%


Variable Rate

No Max


Undergrad/Grad
Max Loan
Learn more Secured

on CommonBond’s secure website

LendKeyA+

20


Years

5.23% - 8.97%


Fixed Rate

2.68% - 8.77%


Variable Rate

$125k / $175k


Undergrad/Grad
Max Loan
Learn more Secured

on LendKey’s secure website

Laurel Road BankA+

20


Years

3.50% - 7.02%


Fixed Rate

3.24% - 6.66%


Variable Rate

No Max


Undergrad/Grad
Max Loan
Learn more Secured

on Laurel Road Bank’s secure website

Citizens BankA+

20


Years

3.90% - 9.99%


Fixed Rate

3.01% - 9.75%


Variable Rate

$90k / $350k


Undergraduate /
Graduate
Learn more Secured

on Citizens Bank (RI)’s secure website

Discover Student LoansA+

20


Years

5.74% - 8.49%


Fixed Rate

4.99% - 7.99%


Variable Rate

$150k


Undergraduate /
Graduate
Learn more Secured

on Discover Bank’s secure website

Advertiser Disclosure: The products that appear on this site may be from companies from which MagnifyMoney receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). MagnifyMoney does not include all financial institutions or all products offered available in the marketplace.

Steven D. |

Steven D. is a writer at MagnifyMoney. You can email Steven at steven@magnifymoney.com

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