Credible
Get Rates
  • Refinance Student Loans
    • Compare Options
      • Best Refinancing Companies
      • Lender Reviews
      • Refinance Student Loans
      • Student Loan Consolidation
    • Learn the Basics
      • Fixed vs. Variable Rates
      • Forgiveness Programs
      • Consolidation vs Refinancing
      • Repayment Plans
      • More on Student Refi
    • How to
      • Consolidate Your Student Loans
      • Pay Off Your Student Loans
      • Lower Your Interest Rate
    • Tools
      • Current Student Loan Refi Rates
      • Refinancing Calculator
      • Repayment Calculator
      • Student Loan Score Calculator
  • Student Loans
    • Compare Options
      • Private Student Loans
      • Parent Student Loans
      • Law School Loans
      • Medical School Loans
      • Graduate Student Loans
    • Learn the Basics
      • Student Loan Limits
      • Living Expenses
      • Applying for FAFSA
      • Federal Student Loans
      • Student Loan Interest Rates
      • More on Student Loans
    • How To
      • Pay for College
      • Take Out Student Loans
      • Apply Without Cosigner
      • Apply for Student Loans
      • Pay for Grad School
    • Tools
      • Best Private Student Loans
      • Current Student Loan Rates
      • Student Loan Interest Calculator: Estimate Payments
      • Lender Reviews
  • Personal Loans
    • Compare Options
      • Best Personal Loan Lenders
      • Lender Reviews
      • Get Personal Loan Rates
    • Learn the Basics
      • How to Qualify
      • How to Get a Loan
      • Where to Get a Loan
      • Personal Loans with Cosigner
      • Pay Off Credit Card Debt
      • More on Personal Loans
    • Best for
      • Credit Card Consolidation
      • Debt Consolidation Loans
      • Home Improvement Loans
      • Good Credit
      • Fair Credit
      • Bad Credit
    • Tools
      • Current Personal Loan Rates
      • Personal Loan Calculator
  • Mortgages
    • Compare Options
      • Mortgage Refinance
      • Home Loan
      • Best Mortgage Refinance Companies
      • Best Mortgage Lenders
      • Mortgage Preapproval
      • Mortgage Payment Calculator
    • Compare Rates
      • Mortgage Refinance Rates
      • 30-Year Fixed Refinance Rates
      • 15-Year Fixed Refinance Rates
      • Home Loan Rates
      • 15-Year Fixed Mortgage Rates
      • 30-Year Fixed Mortgage Rates
    • Learn the Basics
      • How to Buy a House
      • How to Refinance Your Mortgage
      • How to Get the Best Rate
      • Cash-Out Refinancing
      • More on Home Loans and Refi
    • Pay Off Mortgage
      • Home Equity to Pay Off Debt
      • Paying Off Mortgage Early
      • Mortgage Refinance Cost
  • Insurance
    • Insurance Products
      • Insurance Products
      • Learn more about home insurance
    • Compare Options
      • Compare Insurance Quotes
      • Home Insurance Guide
    • Learn the Basics
      • What Home Insurance Covers
      • How Much Home Insurance You Need
      • Estimate Your Home Replacement Cost
      • How to Change Home Insurance
  • Company
    • About
    • Reviews
    • Blog
    • Lenders
    • Editorial Guidelines
    • FAQs
    • Press
  • Find My Rate
Advertiser Disclosure

10 Best Private Student Loans for Pharmacy School

Pharmacy school comes with a high price tag, but these private student loans can help pay for it.

Avatar Erin Gobler Edited by Kelly Larsen Updated May 23, 2022

Our goal is to give you the tools and confidence you need to improve your finances. Although we receive compensation from our partner lenders, whom we will always identify, all opinions are our own. By refinancing your mortgage, total finance charges may be higher over the life of the loan.
Credible Operations, Inc. NMLS # 1681276, is referred to here as "Credible."

Pharmacy school generally requires four years of school beyond undergraduate education. The average pharmacy school debt was $179,514 in 2020, according to estimates from the American Association of Colleges of Pharmacy Graduating Student Survey. With such a long and costly program, you may be considering how to cover the cost of pharmacy school.

Here are 10 of the best private student loans for pharmacy school, and some other tips to reduce your education expenses:

  • 10 best student loans for pharmacy school
  • How to pay for pharmacy school
  • Student loan forgiveness for pharmacists
  • Student loan repayment for pharmacists
  • Is it worth it to go to pharmacy school?

10 best student loans for pharmacy school

With so many student loan options available, it can be overwhelming trying to choose the right one. The following eight lenders are Credible partners that offer private student loans for pharmacy school:

LenderFixed Rates From (APR)
Variable Rates From (APR)Loan amountsLoan terms


Credible Rating
Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. Read our full methodology.
View details
5.0%+ 1.75%+ $2,001 - $200,0005, 7, 10, 12, 15, or 20 years (depending on loan type)
  • Fixed APR: 5.0%+
  • Variable APR: 1.75%+
  • Min. credit score: 540
  • Loan amount: $2,001 to $200,000
  • Loan terms (years): 5, 7, 10, 12, 15, 20
  • Repayment options: Full deferral, fixed/flat repayment, interest only, academic deferment, military deferment, forbearance, loans discharged upon death or disability
  • Fees: None
  • Discounts: 0.25% to 1.00% automatic payment discount, 1% cash back graduation reward
  • Eligibility: Must be a U.S. citizen or permanent resident or DACA student enrolled at least half-time in a degree-seeking program
  • Customer service: Email, phone
  • Soft credit check: Yes
  • Cosigner release: After 24 months
  • Loan servicer: Launch Servicing, LLC


Credible Rating
Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. Read our full methodology.
View details
3.72%+1 1.86%+ $1,000 - $350,000 (depending on degree)5, 10, or 15 years
  • Fixed APR: 3.72%+1
  • Variable APR: 1.86%+
  • Min. credit score: 720
  • Loan amount: $1,000 to $350,000
  • Loan terms (years): 5, 10, 15
  • Loan types: Any private or federal student loan
  • Repayment options: Full deferral, full monthly payment, interest only, immediate repayment, academic deferment, military deferment, forbearance, loans discharged upon death or disability
  • Fees: Late fee
  • Discounts: Autopay, loyalty
  • Eligibility: Available in all 50 states (international students can apply with a creditworthy U.S. citizen or permanent resident cosigner)
  • Customer service: Email, phone, chat
  • Soft credit check: Yes
  • Cosigner release: After 36 months
  • Loan servicer: Firstmark Services


Credible Rating
Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. Read our full methodology.
View details
3.22%+2,3
0.94%+2,3 $1,000 up to 100% of the school-certified cost of attendance5, 8, 10, 15, or 20 years
  • Fixed APR: 3.22%+2,3
  • Variable APR: 0.94%+2,3
  • Min. credit score: Does not disclose
  • Loan amount: $1,000 up to cost of attendance
  • Loan terms (years): 5, 8, 10, 15, 20
  • Repayment options: Full deferral, full monthly payment, fixed/flat repayment, interest only, immediate repayment, academic deferment, forbearance, loans discharged upon death or disability
  • Fees: Late fee
  • Discounts: Autopay
  • Eligibility: Must be a U.S. citizen or permanent resident and be making satisfactory academic progress.
  • Customer service: Email, phone
  • Soft credit check: Yes
  • Cosigner release: After 24 months
  • Loan servicer: College Ave Servicing LLC

custom choice

Credible Rating
Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. Read our full methodology.
View details
3.2%+ 1.6%+ $1,000 to $99,999 annually ($180,000 aggregate limit)7, 10, or 15 years
  • Fixed APR: 3.2%+
  • Variable APR: 1.6%+
  • Min. credit score: Does not disclose
  • Loan amount: $1,000 to $99,999 annually ($180,000 aggregate limit)
  • Loan terms (years): 7, 10, 15
  • Repayment options: Full deferral, immediate repayment, interest-only repayment, flat/full repayment, academic deferment, military deferment, forbearance, loans discharged upon death or disability
  • Fees: None
  • Discounts: Autopay
  • Eligibility: Not available to residents of AZ, IA, or WI
  • Customer service: Phone, email
  • Soft credit check: Yes
  • Cosigner release: After 36 months
  • Loan servicer: American Education Services
  • Min. income: Does not disclose

edvestinu student loan refinance

Credible Rating
Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. Read our full methodology.
View details
4.52%+7 3.37%+7 $1,000 - $200,0007, 10, or 15 years
  • Fixed APR: 4.52%+7
  • Variable APR: 3.37%+7
  • Min. credit score: 750
  • Loan amount: $1,000 to $200,000
  • Loan terms (years): 7, 10, 15
  • Repayment options: Full deferral, full monthly payment, interest only, immediate repayment, academic deferment, loans discharged upon death or disability
  • Fees: Late fee
  • Discounts: Autopay
  • Eligibility: Must be a U.S. citizen or permanent resident and have a minimum income of $30,000.
  • Customer service: Email, phone
  • Soft credit check: Yes
  • Cosigner release: After 36 months
  • Loan servicer: Granite State Management & Resources (GSM&R)


Credible Rating
Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. Read our full methodology.
View details
3.33%+8 1.7%+8 $1,001 up to 100% of school certified cost of attendance5, 10, or 15 years
  • Fixed APR: 3.33%+8
  • Variable APR: 1.7%+8
  • Min. credit score: 670
  • Loan amount: $1,001 up to cost of attendance
  • Loan terms (years): 5, 10, 15
  • Repayment options: Full deferral, full monthly payment, interest only, immediate repayment, academic deferment, forbearance
  • Fees: Late fee
  • Discounts: Autopay, reward for on-time graduation
  • Eligibility: Must be an Indiana resident or a U.S. citizen attending an eligible Indiana school
  • Customer service: Email, phone, chat
  • Soft credit check: Yes
  • Cosigner release: After 48 months
  • Loan servicer: American Education Services


Credible Rating
Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. Read our full methodology.
View details
4.89%+ N/A$1,500 or $2,000 up to school’s certified cost of attendance (depending on school type and minus other aid received)10 or 15 years
  • Fixed APR: 4.89%+
  • Variable APR: N/A
  • Min. credit score: 670
  • Loan amount: $1,500 up to cost of attendance less aid
  • Loan terms (years): 10, 15
  • Repayment options: Full deferral, interest only, immediate repayment, academic deferral, forbearance
  • Fees: None
  • Discounts: None
  • Eligibility: Must be a U.S. citizen or permanent resident and be making satisfactory academic progress.
  • Customer service: Email, phone
  • Soft credit check: Yes
  • Cosigner release: After 48 months
  • Loan servicer: American Education Services (AES)


Credible Rating
Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. Read our full methodology.
View details
3.75% - 13.72% APR9 2.0% - 12.35% APR9 Up to 100% of the school-certified cost of attendance5 or 15 years
  • Fixed APR: 3.75% - 13.72% APR9
  • Variable APR: 2.0% - 12.35% APR9
  • Min. credit score: Does not disclose
  • Loan amount: $1,000 up to cost of attendance
  • Loan terms (years): 10 to 15
  • Repayment options: Full deferral, fixed/flat repayment, interest only, academic deferment, forbearance, loans discharged upon death or disability
  • Fees: Late fee
  • Discounts: Autopay
  • Eligibility: Must be a U.S. citizen or permanent resident. Also available to non-U.S. citizen students (including DACA students) attending a school located in the U.S. who apply with a qualifying cosigner.
  • Customer service: Phone, chat
  • Soft credit check: Yes
  • Cosigner release: After 12 consecutive on-time payments
  • Loan servicer: Sallie Mae
Compare private student loan rates without affecting
your credit score. 100% free!


Compare Private Loans Now



Trustpilot

Lowest APRs reflect autopay, loyalty, and interest-only repayment discounts where available | 1Citizens Disclosures | 2,3College Ave Disclosures | 7EDvestinU Disclosures | 8INvestEd Disclosures | 9Sallie Mae Disclosures

Ascent

Ascent offers both fixed and variable rates. The lender has five-, seven- 10-, 12-, 15- and 20-year repayment terms, and you won’t pay any application, origination, or disbursement fees.

4.9
Credible rating
Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. Read our full methodology.
Rates and terms
Fees and Discounts
Customer Experience
Ascent Private Student Loans
Fixed APR
Lowest fixed rate available from this lender
5.0%+
Variable APR
Lowest variable rate available from this lender
1.75%+
Loan amount
Total amount you can borrow from this lender
$2,001 to $200,000
Loan terms (years)
How many years you have to repay the loan
5, 7, 10, 12, 15, 20

Ready to find a student loan?
Compare rates from top private lenders to find the right student loan for you.

Check Personalized Rates
Checking rates won't affect your credit score
View Details
  • Fixed APR: 5.0%+
  • Variable APR: 1.75%+
  • Min. credit score: 540
  • Loan amount: $2,001 to $200,000
  • Loan terms (years): 5, 7, 10, 12, 15, 20
  • Repayment options: Full deferral, fixed/flat repayment, interest only, academic deferment, military deferment, forbearance, loans discharged upon death or disability
  • Fees: None
  • Discounts: 0.25% to 1.00% automatic payment discount, 1% cash back graduation reward
  • Eligibility: Must be a U.S. citizen or permanent resident or DACA student enrolled at least half-time in a degree-seeking program
  • Customer service: Email, phone
  • Soft credit check: Yes
  • Cosigner release: After 24 months
  • Loan servicer: Launch Servicing, LLC

Citizens

Citizens offers graduate student loans with fixed interest rates and flexible repayment plans. You can borrow up to 100% of your cost of attendance. For PharmD degrees, the maximum loan amount is $350,000. Citizens offers discounts for autopay and loyalty.

4.8
Credible rating
Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. Read our full methodology.
Rates and terms
Fees and Discounts
Customer Experience
Citizens Private Student Loans
Fixed APR
Lowest fixed rate available from this lender
3.72%+1
Variable APR
Lowest variable rate available from this lender
1.86%+
Loan amount
Total amount you can borrow from this lender
$1,000 to $350,000
Loan terms (years)
How many years you have to repay the loan
5, 10, 15

Ready to find a student loan?
Compare rates from top private lenders to find the right student loan for you.

Check Personalized Rates
Checking rates won't affect your credit score
View Details
  • Fixed APR: 3.72%+1
  • Variable APR: 1.86%+
  • Min. credit score: 720
  • Loan amount: $1,000 to $350,000
  • Loan terms (years): 5, 10, 15
  • Loan types: Any private or federal student loan
  • Repayment options: Full deferral, full monthly payment, interest only, immediate repayment, academic deferment, military deferment, forbearance, loans discharged upon death or disability
  • Fees: Late fee
  • Discounts: Autopay, loyalty
  • Eligibility: Available in all 50 states (international students can apply with a creditworthy U.S. citizen or permanent resident cosigner)
  • Customer service: Email, phone, chat
  • Soft credit check: Yes
  • Cosigner release: After 36 months
  • Loan servicer: Firstmark Services

College Ave

College Ave offers graduate student loans for pharmacy school and other areas of study. Loans come with either fixed or variable rates. You can choose from flexible repayment options such as interest-only or flat $25 monthly payments. You can choose a five-, eight-, 10-, or 15-year repayment term, and you’ll be able to borrow up to 100% of your school-certified cost of attendance, minus other aid received.

4.9
Credible rating
Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. Read our full methodology.
Rates and terms
Fees and Discounts
Customer Experience
College Ave Private Student Loans
Fixed APR
Lowest fixed rate available from this lender
3.22%+2,3
Variable APR
Lowest variable rate available from this lender
0.94%+2,3
Loan amount
Total amount you can borrow from this lender
$1,000 up to cost of attendance
Loan terms (years)
How many years you have to repay the loan
5, 8, 10, 15, 20

Ready to find a student loan?
Compare rates from top private lenders to find the right student loan for you.

Check Personalized Rates
Checking rates won't affect your credit score
View Details
  • Fixed APR: 3.22%+2,3
  • Variable APR: 0.94%+2,3
  • Min. credit score: Does not disclose
  • Loan amount: $1,000 up to cost of attendance
  • Loan terms (years): 5, 8, 10, 15, 20
  • Repayment options: Full deferral, full monthly payment, fixed/flat repayment, interest only, immediate repayment, academic deferment, forbearance, loans discharged upon death or disability
  • Fees: Late fee
  • Discounts: Autopay
  • Eligibility: Must be a U.S. citizen or permanent resident and be making satisfactory academic progress.
  • Customer service: Email, phone
  • Soft credit check: Yes
  • Cosigner release: After 24 months
  • Loan servicer: College Ave Servicing LLC

Custom Choice

Custom Choice offers a 2% reduction of your principal when you show proof of graduation, and it also has a 0.25% discount for automatic payments. If you have a cosigner, you can release them after 36 consecutive on-time payments. However, Custom Choice has a cumulative maximum loan amount of $180,000, which may not be sufficient for all pharmacy students.

custom choice
4.4
Credible rating
Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. Read our full methodology.
Rates and terms
Fees and Discounts
Customer Experience
Custom Choice Private Student Loans
Fixed APR
Lowest fixed rate available from this lender
3.2%+
Variable APR
Lowest variable rate available from this lender
1.6%+
Loan amount
Total amount you can borrow from this lender
$1,000 to $99,999 annually ($180,000 aggregate limit)
Loan terms (years)
How many years you have to repay the loan
7, 10, 15

Ready to find a student loan?
Compare rates from top private lenders to find the right student loan for you.

Check Personalized Rates
Checking rates won't affect your credit score
View Details
  • Fixed APR: 3.2%+
  • Variable APR: 1.6%+
  • Min. credit score: Does not disclose
  • Loan amount: $1,000 to $99,999 annually ($180,000 aggregate limit)
  • Loan terms (years): 7, 10, 15
  • Repayment options: Full deferral, immediate repayment, interest-only repayment, flat/full repayment, academic deferment, military deferment, forbearance, loans discharged upon death or disability
  • Fees: None
  • Discounts: Autopay
  • Eligibility: Not available to residents of AZ, IA, or WI
  • Customer service: Phone, email
  • Soft credit check: Yes
  • Cosigner release: After 36 months
  • Loan servicer: American Education Services
  • Min. income: Does not disclose

EDvestinU

EDvestinU is a nonprofit organization. You can borrow up to 100% of your cost of attendance, with a maximum borrowing amount of $200,000. EDvestinU offers both fixed and variable rates, and seven-, 10-, and 15-year repayment plans.

edvestinu student loan refinance
4.8
Credible rating
Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. Read our full methodology.
Rates and terms
Fees and Discounts
Customer Experience
EDvestinU Private Student Loans
Fixed APR
Lowest fixed rate available from this lender
4.52%+7
Variable APR
Lowest variable rate available from this lender
3.37%+7
Loan amount
Total amount you can borrow from this lender
$1,000 to $200,000
Loan terms (years)
How many years you have to repay the loan
7, 10, 15

Ready to find a student loan?
Compare rates from top private lenders to find the right student loan for you.

Check Personalized Rates
Checking rates won't affect your credit score
View Details
  • Fixed APR: 4.52%+7
  • Variable APR: 3.37%+7
  • Min. credit score: 750
  • Loan amount: $1,000 to $200,000
  • Loan terms (years): 7, 10, 15
  • Repayment options: Full deferral, full monthly payment, interest only, immediate repayment, academic deferment, loans discharged upon death or disability
  • Fees: Late fee
  • Discounts: Autopay
  • Eligibility: Must be a U.S. citizen or permanent resident and have a minimum income of $30,000.
  • Customer service: Email, phone
  • Soft credit check: Yes
  • Cosigner release: After 36 months
  • Loan servicer: Granite State Management & Resources (GSM&R)

INvestEd

While INvestEd only services students from Indiana and those attending Indiana schools, it’s worth considering if you qualify. The lender has repayment terms of five, 10, and 15 years, and offers flexible repayment options. The lender has no application, origination, or disbursement fees, and it has a 0.25% autopay discount.

4.6
Credible rating
Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. Read our full methodology.
Rates and terms
Fees and Discounts
Customer Experience
INvestEd Private Student Loans
Fixed APR
Lowest fixed rate available from this lender
3.33%+8
Variable APR
Lowest variable rate available from this lender
1.7%+8
Loan amount
Total amount you can borrow from this lender
$1,001 up to cost of attendance
Loan terms (years)
How many years you have to repay the loan
5, 10, 15

Ready to find a student loan?
Compare rates from top private lenders to find the right student loan for you.

Check Personalized Rates
Checking rates won't affect your credit score
View Details
  • Fixed APR: 3.33%+8
  • Variable APR: 1.7%+8
  • Min. credit score: 670
  • Loan amount: $1,001 up to cost of attendance
  • Loan terms (years): 5, 10, 15
  • Repayment options: Full deferral, full monthly payment, interest only, immediate repayment, academic deferment, forbearance
  • Fees: Late fee
  • Discounts: Autopay, reward for on-time graduation
  • Eligibility: Must be an Indiana resident or a U.S. citizen attending an eligible Indiana school
  • Customer service: Email, phone, chat
  • Soft credit check: Yes
  • Cosigner release: After 48 months
  • Loan servicer: American Education Services

MEFA

MEFA offers graduate student loans with fixed interest rates up to the certified cost of attendance. You won’t pay any fees with a MEFA loan, and you’ll have access to multiple payment options, so you can choose the best one for your situation. However, MEFA only offers a 15-year repayment term for graduate students.

4.4
Credible rating
Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. Read our full methodology.
Rates and terms
Fees and Discounts
Customer Experience
MEFA Private Student Loans
Fixed APR
Lowest fixed rate available from this lender
4.89%+
Variable APR
Lowest variable rate available from this lender
N/A
Loan amount
Total amount you can borrow from this lender
$1,500 up to cost of attendance less aid
Loan terms (years)
How many years you have to repay the loan
10, 15

Ready to find a student loan?
Compare rates from top private lenders to find the right student loan for you.

Check Personalized Rates
Checking rates won't affect your credit score
View Details
  • Fixed APR: 4.89%+
  • Variable APR: N/A
  • Min. credit score: 670
  • Loan amount: $1,500 up to cost of attendance less aid
  • Loan terms (years): 10, 15
  • Repayment options: Full deferral, interest only, immediate repayment, academic deferral, forbearance
  • Fees: None
  • Discounts: None
  • Eligibility: Must be a U.S. citizen or permanent resident and be making satisfactory academic progress.
  • Customer service: Email, phone
  • Soft credit check: Yes
  • Cosigner release: After 48 months
  • Loan servicer: American Education Services (AES)

Sallie Mae

Sallie Mae is one of the top names in student loans and offers a wide variety of graduate student loans. The Sallie Mae Graduate School Loan for Health Professions — which includes pharmacy — offers both fixed and variable rates, loans for 100% of school-certified expenses, flexible repayment terms, and deferment during any internships or fellowships.

4.3
Credible rating
Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. Read our full methodology.
Rates and terms
Fees and Discounts
Customer Experience
Sallie Mae Private Student Loans
Fixed APR
Lowest fixed rate available from this lender
3.75% - 13.72% APR9
Variable APR
Lowest variable rate available from this lender
2.0% - 12.35% APR9
Loan amount
Total amount you can borrow from this lender
$1,000 up to cost of attendance
Loan terms (years)
How many years you have to repay the loan
10 to 15

Ready to find a student loan?
Compare rates from top private lenders to find the right student loan for you.

Check Personalized Rates
Checking rates won't affect your credit score
View Details
  • Fixed APR: 3.75% - 13.72% APR9
  • Variable APR: 2.0% - 12.35% APR9
  • Min. credit score: Does not disclose
  • Loan amount: $1,000 up to cost of attendance
  • Loan terms (years): 10 to 15
  • Repayment options: Full deferral, fixed/flat repayment, interest only, academic deferment, forbearance, loans discharged upon death or disability
  • Fees: Late fee
  • Discounts: Autopay
  • Eligibility: Must be a U.S. citizen or permanent resident. Also available to non-U.S. citizen students (including DACA students) attending a school located in the U.S. who apply with a qualifying cosigner.
  • Customer service: Phone, chat
  • Soft credit check: Yes
  • Cosigner release: After 12 consecutive on-time payments
  • Loan servicer: Sallie Mae

Credible makes it easy to compare student loan rates from multiple lenders, all in one place.

Compare student loan rates from top lenders

  • Multiple lenders compete to get you the best rate
  • Get actual rates, not estimated ones
  • Finance almost any degree

See Your Rates
Checking rates will not affect your credit

Trustpilot

Other lenders to consider

The following two lenders are not Credible partners, so you won’t be able to easily compare your rate with them on the Credible platform. But they may also be worth considering if you’re looking for a loan for pharmacy school.

Discover

With Discover, you can pay for up to 100% of school-certified costs with either fixed or variable rates. The lender has no application, origination, or late fees, and offers a one-time cash reward of 1% of your loan amount when you maintain at least a 3.0 GPA.

Earnest

Earnest offers graduate student loans with no fees, and the lender allows you to skip a payment once per year. Earnest has both fixed and variable rates and a longer deferment period of nine months after graduation.

Learn More: When You Should Apply for a Student Loan

Methodology

Credible evaluated private student loan lenders in 10 different categories to determine the best lenders for graduate student loans. This included interest rates, repayment options, terms, fees, discounts, customer service availability, as well as eligibility requirements and cosigner release options.[/basic-box]

How to pay for pharmacy school

Pharmacy school comes with a hefty price tag, leaving many students wondering how to foot the bill. Take these five steps to pay for pharmacy school:

  • Fill out the FAFSA. Completing the Free Application for Federal Student Aid (FAFSA) is the first step in qualifying for federal financial aid. On your FAFSA, you’ll provide financial information to help the federal government, state governments, and your school determine your financial need.
  • Apply for scholarships and grants. Scholarships and grants are a great place to start when looking for help paying for pharmacy school since both are free money. They don’t have to be repaid after you graduate, the way loans do. You can find thousands of scholarships online, including many specifically designed to help students pay for pharmacy school.
  • Explore employer tuition assistance. When you join the workforce, it’s worth exploring whether your company offers any form of tuition assistance. Many companies offer this type of assistance as an employee benefit and will pay up to a certain dollar amount of tuition to help you pay for your advanced degree.
  • Take out federal student loans. When you’re borrowing money for school, it’s best to start with federal student loans. Not only do they offer low, fixed interest rates, but they also offer plenty of borrower benefits, like income-based repayment plans and forbearance options. Unfortunately, you can only take out $20,500 in federal Direct Unsubsidized Loans each academic year. However, you can also borrow Direct PLUS Loans, which will cover your cost of attendance minus any other financial aid you received.
  • Use private student loans to fill the gaps. If you need assistance beyond federal loans, private student loans can help you bridge the gap. Most private lenders allow you to borrow up to 100% of your cost of attendance. Many also offer competitive interest rates and flexible repayment options.

Check out: Federal Direct Plus Student Loans: What to Know Before Borrowing

Student loan forgiveness for pharmacists

If you borrow money for pharmacy school, you may be able to have your loans forgiven. Here are a few of the loan forgiveness options that you may qualify for:

Public Service Loan Forgiveness

The Public Service Loan Forgiveness (PSLF) program is only available to federal loan borrowers. It allows you to have the remainder of your student loans forgiven after you’ve made 120 qualifying payments under a qualifying repayment plan while working full-time for an eligible employer. Many of the PSLF qualifying payment rules have been suspended through Oct. 31, 2022. Learn more on the FSA’s limited PSLF waiver page.

State-based loan forgiveness programs

Individual states also offer various loan forgiveness options for pharmacists and other health professionals. These programs often require you to work in an underserved area of the state or for certain health-care organizations. Many of these programs apply to both federal and private loans.

Health Resources & Services Administration Faculty Loan Repayment Program

The HRSA Faculty Loan Repayment Program offers up to $40,000 of loan forgiveness for both federal and private student loans to health professionals — including pharmacists — who serve as faculty members at an approved health professions school for two years. To qualify, you must also come from a disadvantaged background based on environmental and economic factors, and have an eligible health professions degree or certificate.

Indian Health Service Loan Repayment Program

The Indian Health Services Loan Repayment Program also offers up to $40,000 of loan forgiveness to health professionals in exchange for two years of practice in health facilities servicing American Indian and Alaska Native communities. You can continue to extend your contract each year until your debt is repaid.

National Institutes of Health Loan Repayment Program

The National Institutes of Health Loan Repayment Program is available to pharmacists and qualified health professionals, and repays up to $50,000 of your debt annually if you conduct NIH research. This program covers both federal and private loans, but your debt must be more than or equal to 20% of your institutional base salary.

Student loan repayment for pharmacists

Your repayment options after pharmacy school will largely depend on the type of loans you have. Federal loan borrowers have plenty of repayment options, including income-based repayment plans.

Private borrowers have options, too. Lenders often offer loan repayment terms ranging from just a few years to as many as 20 years. Additionally, some lenders give you the option to start making payments while in school, make interest-only payments while in school, or fully defer your payments until six months after you’ve graduated.

You can use our student loan repayment calculator to figure out how long it’ll take to pay off your student loans:

Enter loan information

? Enter the remaining balance of your loans $
? Enter the average annual interest rate of your loans %
? Enter the amount of time left to repay your loan years

+ $0
Total Payment $
Total Interest $
Monthly Payment $

If you increase your payments by $ monthly on your $ loan at %, you will pay $ a month and pay off your loan by Jan 2021.


Does refinancing make sense for you?
Compare offers from top refinancing lenders to determine your actual savings.

Check Personalized Rates
Checking rates won't affect your credit score

Also Read: How to Pay for Medical School

Is it worth it to go to pharmacy school?

With the high cost of attendance, it’s easy to wonder whether pharmacy school is really worth it. And while it’s true that it’s expensive, there can also be a high financial reward. Pharmacy school has a great ROI thanks to its earning potential.

The median pay for pharmacists in 2021 was $128,570 per year, or $61.81 per hour, according to the Bureau of Labor Statistics. Of course, the amount you’ll make depends on the state you live in and the amount of experience you have.

In addition to the above-average salary, you can make the cost of your education worth it by applying for scholarships and grants or by qualifying for one or more of the student loan forgiveness options mentioned earlier.

Home » All » Student Loans » 10 Best Private Student Loans for Pharmacy School

Graduate School Resources


  • Best Graduate Student Loans
  • Grad Plus Loans
  • How to Pay for Grad School
  • Graduate School Loan Limits

Types of Grad School Loans

  • Law School Loans
  • Medical School Loans
  • MBA School Loans
  • Nursing School Loans

Student Loans Resources

  • Find a Private Student Loan
  • Best Private Student Loans
  • Student Loan Calculator
  • Average Cost of College
  • Find a Student Loan Cosigner

Tools and Resources

  • Find a Private Student Loan
  • Best Private Student Loans
  • Average Cost of College
  • Current Student Loan Rates
  • Find a Student Loan Cosigner
  • Lender Reviews
  • Student Loan Calculator

  • Click to share on Facebook (Opens in new window)
  • Click to share on LinkedIn (Opens in new window)
  • Click to share on Twitter (Opens in new window)
  • Click to email a link to a friend (Opens in new window)

Related Articles

Student Loans

What Is a Parent PLUS Loan?

Student Loans

8 Student Loans for an Engineering Degree

Student Loans

FAFSA for Graduate School: What You Should Know

  • Read More
    • Refi Student Loans
    • In School Loans
    • Personal Loans
    • Mortgages
    • Insurance
  • Resources
    • Lender Reviews
    • Loan Calculators
    • Student Loan Score Calculator
    • Data Insights
    • Debt Statistics
    • Sitemap
  • Compare
    • Student Loan Refinance
      • Current Student Loan Refi Rates
    • Student Loan Consolidation
    • Private Student Loans
      • Current Student Loan Rates
    • Personal Loans
      • Current Personal Loan Rates
    • Refinance Mortgage
      • Mortgage Refinance Rates
        • 15-Year Fixed Refinance Rates
        • 30-Year Fixed Refinance Rates
    • Home Loans
      • Home Loan Rates
        • 15-Year Fixed Mortgage Rates
        • 30-Year Fixed Mortgage Rates
    • Insurance
  • Top Lenders
    • Best Student Loan Refi Companies
    • Best Private Student Loans
    • Best Personal Loans
    • Best Mortgage Lenders
    • Best Mortgage Refinance Companies
  • Company
    • About
    • Reviews
    • Blog
    • Editorial Staff
    • Editorial Guidelines
    • News
    • Press
  • Legal
    • Terms of Use
    • Privacy Policy

© 2022 Credible


Credible Operations, Inc. NMLS ID# 1681276 | NMLS Consumer Access | Licenses and Disclosures
This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.