Smaller brand footprint than Sallie Mae, Earnest, or SoFi
College Ave Student Loans requirements
Residency: U.S. citizen or permanent resident
Enrollment: Enrolled at least half-time in an eligible school
Co-signer: Co-signer typically required for most undergraduate borrowers
Co-signer release: 24 consecutive on-time payments required for co-signer release
US citizen or permanent resident enrolled at least half-time
Co-signer typically required for most undergraduate borrowers
24+ consecutive on-time payments for co-signer release
College Ave Student Loans rates & fees
College Ave's variable APR ranges from 5.59% to 16.99% and fixed APR from 4.44% to 17.99%, both with autopay discount per College Ave disclosure. A 0.25% autopay discount is included in those ranges — verify current rates at collegeave.com.
College Ave Student Loans — Four in-school repayment options — most flexible payment structure among private lenders. Best for: Borrowers who want to control their in-school payment and reduce total interest before graduation.. Compare it against alternatives before applying; the right fit depends on your situation, credit, and goals.
Questions about College Ave Student Loans
How much does making in-school payments on a College Ave loan actually save?
On a $30,000 loan at 7% fixed APR with a 10-year repayment term, the difference between fully deferred repayment and full in-school principal+interest payments can be $4,000–$6,000 in total interest over the life of the loan, primarily by eliminating capitalized interest at repayment start. Even interest-only payments in school reduce capitalized interest meaningfully compared to full deferment. Source: College Ave educational content at collegeave.com — run your own numbers in their loan calculator for your actual loan amount and term.
Does College Ave lend to international students?
College Ave requires a creditworthy US citizen or permanent resident co-signer for international student borrowers. International students cannot qualify independently. Verify current international student loan policy at collegeave.com before applying. Source: College Ave eligibility disclosures.
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