Undergraduate Student Loans

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Help make college a success with a private student loan.

When federal aid, scholarships and grants aren't enough, a private student loan can cover college expenses such as tuition, books, housing and meals.

  • Borrow up to $15,000 per school year for a lifetime maximum of $50,000.
  • Choose a fixed- or variable-rate loan.
  • Take up to 15 years to repay once repayments begin.
  • Get a 0.25% rate reduction with automatic payments.1
  • No hidden fees, no annual fees, no prepayment penalties.
  • Easy application process - see what to expect.
  • For parents who want to support students, explore our family loans.

Repay your way:

  • Pay right away - You can start making payments as soon as you want to help save on interest.
  • Pay after school - Defer payments for up to 5 years, as long as you are enrolled in school at least half-time.
  • Take a break - Enjoy a 6-month grace period after graduating or dropping below half-time status before repayments begin.
  • Interest only - You can request up to 6 months of interest-only payments over the life of your loan.2

Rest assured we're on your side. Our friendly experts work with you to make sure college costs are covered and you don't borrow more than you need.

Learn more about student loans and refinancing in our FAQs. And, check out our simple application process.

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Have Questions or Need Help? 

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Do You Need a Cosigner?

If you're just starting out and have limited income or credit history, you may need a trusted friend or family member to cosign for your student loan. A cosigner guarantees they will pay back your loan if you cannot do so. We will tell you during the application process if you need a cosigner. A cosigner release is available upon request after you've made 36 consecutive, on-time payments.3

Young woman sitting cross-legged while using a laptop to apply for a student loan

Undergraduate - Variable Rate

Rates as Low as
2.63
%
APR * 15-Year

Undergraduate - Fixed Rate

Rates as Low as
5.28
%
APR * 15-Year

Easy Student Loan Process

Our online student loan application is simple. See how it works and what to expect for timing.

Loan process and timing >

 

View Eligible U.S. Schools

Attend a 4-year public or private non-profit college, including UW schools and Madison College.

Browse eligible schools >

 

Refinance Student Loans

Already have student loans? Learn about refinancing to simplify your budget and pay off loans faster.

Learn about refinancing >