{"id":63935,"date":"2022-08-11T14:03:49","date_gmt":"2022-08-11T21:03:49","guid":{"rendered":"https:\/\/www.credible.com\/blog\/?p=63935"},"modified":"2023-07-11T14:52:22","modified_gmt":"2023-07-11T21:52:22","slug":"when-does-student-loan-interest-start","status":"publish","type":"post","link":"https:\/\/www.credible.com\/blog\/refinance-student-loans\/when-does-student-loan-interest-start\/","title":{"rendered":"When Do Student Loans Start to Accrue Interest?"},"content":{"rendered":"<p>When you borrow money, you don\u2019t <a href=\"https:\/\/www.credible.com\/blog\/student-loans\/interest-free-loans\/\">get it for free<\/a>. Lenders generally charge you interest \u2014 a percentage of the loan amount that you pay back in addition to the amount you borrowed. Put simply, it\u2019s the cost of borrowing money.<\/p>\n<p>Student loans work like that, too \u2014 but with a few differences from other types of loans. We\u2019ll go over how <a href=\"https:\/\/www.credible.com\/blog\/refinance-student-loans\/student-loans-compound-interest\/\">student loan interest<\/a> works and when it starts to accrue.<\/p>\n<p><b>Here\u2019s when interest starts on student loans:<\/b><\/p>\n<ul>\n<li><a href=\"#when-interest-starts-student-loans\">When does interest begin accruing on student loans?<\/a><\/li>\n<li><a href=\"#interest-subsidized-loans\">When do I have to pay interest on subsidized loans?<\/a><\/li>\n<li><a href=\"#interest-unsubsidized-loans\">When do I have to pay interest on unsubsidized loans?<\/a><\/li>\n<li><a href=\"#interest-private-student-loans\">When do private student loans begin accruing interest?<\/a><\/li>\n<li><a href=\"#student-loan-grace-periods\">Do student loans have grace periods?<\/a><\/li>\n<li><a href=\"#deferment-and-forbearance\">How does interest work during deferment and forbearance?<\/a><\/li>\n<li><a href=\"#tax-benefits-student-loan-interest\">Are there tax benefits to student loan interest?<\/a><\/li>\n<li><a href=\"#save-money-on-student-loans\">How to save money on student loans<\/a><\/li>\n<\/ul>\n<p><a name=\"when-interest-starts-student-loans\"><\/a><\/p>\n<h2>When does interest begin accruing on student loans?<\/h2>\n<p>With most types of loans, you start to pay interest as soon as you receive the money. When you take out a mortgage on a home, you start to pay interest with your first payment.<\/p>\n<p>Student loans can be a little different. With most types of student loans, both federal and private, you\u2019re not required to pay any principal or interest until you graduate, leave school, or drop below half-time enrollment. There may also be a grace period after that point before you need to start making payments. Federal loans typically have a six-month grace period, and some private loans offer grace periods as well.<\/p>\n<p>However, with private loans and some types of federal student loans, interest begins to accrue as soon as the loan money is disbursed to your school. This interest builds up and is added into your loan amount once you leave school through a process known as capitalization.<\/p>\n<div class=\"basic-box\" style=\"border: 1px solid #E2E4E6;\"><div class=\"basic-box__inside\"><b>There\u2019s one exception:<\/b> Direct Subsidized Loans. These federal loans are offered to students with financial need, and the government pays the interest for you while you\u2019re in school. You won\u2019t start paying on the accrued interest until you leave school and finish the grace period.<\/div><\/div>\n<p><b><i>Learn More:<\/i><\/b> <a href=\"https:\/\/www.credible.com\/blog\/student-loans\/federal-student-loans-guide\/\"><i>Federal Student Loans Guide: Subsidized and Unsubsidized Loans Review<\/i><\/a><\/p>\n<p><a name=\"interest-subsidized-loans\"><\/a><\/p>\n<h2>When do I have to pay interest on subsidized loans?<\/h2>\n<p>Two main types of federal student loans for undergraduate students are available: subsidized and unsubsidized. The main difference lies in how interest is handled and who qualifies for the loans.<\/p>\n<p>Subsidized loans are only available for students with financial need. If you qualify for these loans, the U.S. Department of Education pays your interest while you\u2019re in school at least half-time and during the six-month grace period after that. This can save you a significant amount of money when it comes time to repay your loans.<\/p>\n<p class=\"featured-box featured-box--isGreen\"><b>Important information:<\/b> You only become responsible for paying interest on subsidized loans once you begin repayment, following the grace period after you leave school, or if you drop below half-time enrollment.<\/p>\n<p>Federal student loans typically have fixed interest rates that Congress sets each year. This means your rate won\u2019t change for as long as you have the loan. The current interest rate on Direct Subsidized Loans is <span data-sheets-value=\"{&quot;1&quot;:3,&quot;3&quot;:0.055}\" data-sheets-userformat=\"{&quot;2&quot;:577,&quot;3&quot;:{&quot;1&quot;:3,&quot;2&quot;:&quot;0.00%&quot;,&quot;3&quot;:1},&quot;9&quot;:0,&quot;12&quot;:0}\">5.50%<\/span>.<\/p>\n<p>The way you pay this interest will depend on the repayment plan you choose. Federal student loans come with several different plans, including:<\/p>\n<ul>\n<li><b>Standard Repayment Plan:<\/b> With this plan, you repay your student loan in monthly payments over 10 years. The amount you pay stays the same over that entire period.<\/li>\n<li><b>Graduated Repayment Plan:<\/b> Your monthly payments start out smaller, and then increase every two years. Ideally, your income would increase during this time as well, helping you make your payments. You\u2019ll still pay the loan off within 10 years, and your monthly payment will never be less than the interest due on the loan.<\/li>\n<li><b>Extended Repayment Plan:<\/b> This plan gives you more time to pay off the loan if you have a significant amount of debt \u2014 up to 25 years. This means your monthly payment will be lower, but you\u2019ll end up paying much more in interest over the life of the loan.<\/li>\n<li><b>Income-based repayment plans:<\/b> The federal government also offers four varieties of income-driven repayment plans, which set your monthly payment at a percentage of your monthly disposable income and household size. Because lower payments mean it takes longer to repay your loan, you\u2019ll end up paying more in interest over the life of the loan. In some cases, your monthly payment under these plans won\u2019t cover the interest that accrues on your loan. Depending on your specific plan, the government may pick up the extra interest or it may be capitalized into your loan.<\/li>\n<\/ul>\n<p>Here are the types of income-driven repayment plans available:<\/p>\n\n<table id=\"tablepress-81\" class=\"tablepress tablepress-id-81 table table-border-top table-rounded table-no-img-margin table-capitalized-column-titles\">\n<thead>\n<tr class=\"row-1\">\n\t<th class=\"column-1\"><strong>Repayment plan<strong><\/th><th class=\"column-2\"><strong>Monthly payment<strong><\/th><th class=\"column-3\"><strong>Term length<br \/>\n<small>(time until forgiveness)<\/small><strong><\/th>\n<\/tr>\n<\/thead>\n<tbody class=\"row-striping row-hover\">\n<tr class=\"row-2\">\n\t<td class=\"column-1\"><strong>Income-Based Repayment<\/strong><\/td><td class=\"column-2\">10% or 15% of discretionary income<br \/>\n<small>(depending on when you took your loans out)<\/small><\/td><td class=\"column-3\"><ul><li>Up to 20 years for new loan borrowers on or after July 1, 2014<\/li><li>Up to 25 years if you took your loans out before July 1, 2014<\/li><\/ul><\/td>\n<\/tr>\n<tr class=\"row-3\">\n\t<td class=\"column-1\"><strong>Income-Contingent Repayment<\/strong><\/td><td class=\"column-2\">20% of discretionary income<br \/>\n<small>(or what you'd pay on income-adjusted 12-year plan, if less)<\/small><\/td><td class=\"column-3\">Up to 25 years<\/td>\n<\/tr>\n<tr class=\"row-4\">\n\t<td class=\"column-1\"><strong>Pay-As-You-Earn<\/strong><\/td><td class=\"column-2\">10% of discretionary income<br \/>\n<small>(never more than what you\u2019d pay on standard repayment plan)<\/small><\/td><td class=\"column-3\">Up to 20 years<\/td>\n<\/tr>\n<tr class=\"row-5\">\n\t<td class=\"column-1\"><strong>Revised Pay-As-You-Earn<\/strong><\/td><td class=\"column-2\">10% of discretionary income<br \/>\n<small>(no cap)<\/small><\/td><td class=\"column-3\"><ul><li>Up to 20 years for undergrad loans<\/li><li>Up to 25 years for graduate loans<\/li><\/ul><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n\n<p><a name=\"interest-unsubsidized-loans\"><\/a><\/p>\n<h2>When do I have to pay interest on unsubsidized loans?<\/h2>\n<p>Unsubsidized federal loans are available to students without financial need. With these loans, you\u2019re responsible for paying all the interest. Your loan begins accruing interest as soon as the money is disbursed to your school to pay for your tuition and other costs.<\/p>\n<p>However, you don\u2019t have to pay this interest right away.<\/p>\n<p class=\"featured-box featured-box--isGreen\"><b>Important information:<\/b> You can defer all payments until after you leave school or drop below half-time enrollment. But if you choose this option, your interest will build and capitalize into your loan when you begin making payments \u2014 adding to the total amount you pay back. You may also choose to make interest-only payments while you\u2019re in school to keep your costs down when you start repaying your loan.<\/p>\n<p>Direct PLUS Loans work similarly. These loans are available to graduate and professional students, as well as parents of undergraduate students. Interest on these loans begin accruing when the loan is disbursed, though you\u2019re not required to start making payments until you leave school or drop below half-time enrollment.<\/p>\n<p>With unsubsidized loans, you typically have access to the same types of repayment plans as you would with subsidized loans.<\/p>\n<p><b><i>Check Out:<\/i><\/b> <a href=\"https:\/\/www.credible.com\/blog\/student-loans\/what-is-a-federal-direct-unsubsidized-loan\/\"><i>Federal Direct Unsubsidized Loans: Explained<\/i><\/a><\/p>\n<p><a name=\"interest-private-student-loans\"><\/a><\/p>\n<h2>When do private student loans begin accruing interest?<\/h2>\n<p>Just like unsubsidized federal loans, interest generally begins accruing on private loans as soon as the loan is paid out to your school. You may not have to make payments right away; many private lenders offer payment deferment while you\u2019re in school, though you should check before signing for the loan.<\/p>\n<p>Many private student lenders offer three repayment options.<\/p>\n<ul>\n<li>You make full principal and interest payments right away.<\/li>\n<li>You make interest-only payments while you\u2019re in school to avoid that interest building up and adding to the amount you have to pay back.<\/li>\n<li>You choose complete deferment on payments until after you leave school. This plan typically ends up being the most expensive in the long run, though you don\u2019t need to worry about payments while you\u2019re taking classes.<\/li>\n<\/ul>\n<p><a name=\"student-loan-grace-periods\"><\/a><\/p>\n<h2>Do student loans have grace periods?<\/h2>\n<p>Yes, many student loan types have grace periods. These are stretches of time after you graduate, leave school, or drop below half-time enrollment when you aren\u2019t responsible for making payments. They\u2019re intended to give you time to get a job or get on your feet financially before you need to start paying back the loan.<\/p>\n<p>Here are the grace periods for a few common types of student loans:<\/p>\n\n<table id=\"tablepress-995\" class=\"tablepress tablepress-id-995 table table-border-top table-rounded table-no-img-margin table-capitalized-column-titles\">\n<thead>\n<tr class=\"row-1\">\n\t<th class=\"column-1\"><strong>Loan type<\/strong><\/th><th class=\"column-2\"><strong>Grace period (months)<\/strong><\/th>\n<\/tr>\n<\/thead>\n<tbody class=\"row-striping row-hover\">\n<tr class=\"row-2\">\n\t<td class=\"column-1\">Federal Direct Subsidized Loans<\/td><td class=\"column-2\">6<\/td>\n<\/tr>\n<tr class=\"row-3\">\n\t<td class=\"column-1\">Federal Direct Unsubsidized Loans<\/td><td class=\"column-2\">6<\/td>\n<\/tr>\n<tr class=\"row-4\">\n\t<td class=\"column-1\">Federal PLUS Loans<\/td><td class=\"column-2\">6<\/td>\n<\/tr>\n<tr class=\"row-5\">\n\t<td class=\"column-1\">Federal Perkins Loans<\/td><td class=\"column-2\">9<\/td>\n<\/tr>\n<tr class=\"row-6\">\n\t<td class=\"column-1\">Private student loans<\/td><td class=\"column-2\">6 to 9 months <small>(depending on lender)<\/small><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n\n<p>With most types of student loans, interest continues to accrue during the grace period. The exception is subsidized loans, when the government pays the interest during the grace period.<\/p>\n<p><a name=\"deferment-and-forbearance\"><\/a><\/p>\n<h2>How does interest work during deferment and forbearance?<\/h2>\n<p>During both <a href=\"https:\/\/www.credible.com\/blog\/refinance-student-loans\/deferment-forbearance-student-loans\/\">deferment and forbearance periods<\/a>, you aren\u2019t required to make payments on your student loans. But interest may still accrue during this time, depending on the type of student loan you have.<\/p>\n<h3>Federal loan deferment<\/h3>\n<p>With federal loans, deferment can be granted under a few specific circumstances. The most common type of deferment is in-school deferment, which allows you to avoid paying on your student loans while taking classes. Other deferments include:<\/p>\n<ul>\n<li>Cancer treatment deferment<\/li>\n<li>Economic hardship deferment, which may apply if you\u2019re receiving welfare benefits, making less than 150% of the poverty level, or serving in the Peace Corps<\/li>\n<li>Graduate fellowship deferment<\/li>\n<li>Military service deferment<\/li>\n<li>Unemployment deferment<\/li>\n<li>Rehabilitation deferment, if you\u2019re in drug treatment or vocational programs<\/li>\n<\/ul>\n<div class=\"basic-box\" style=\"border: 1px solid #E2E4E6;\"><div class=\"basic-box__inside\"><b>Keep in mind:<\/b> During deferment, interest will generally accrue on your loan and capitalize into the loan balance when the deferment ends. You have the option of making interest-only payments during your deferment to avoid this. If you have subsidized loans or federal Perkins Loans, interest won\u2019t accrue during deferment. <\/div><\/div>\n<h3>Federal loan forbearance<\/h3>\n<p>Federal student loan forbearance is slightly different. You can request a forbearance if you\u2019re having trouble making your payments for any reason, and your student loan servicer may grant it. You qualify for mandatory forbearance if you are:<\/p>\n<ul>\n<li>Serving in AmeriCorps<\/li>\n<li>Working for the Department of Defense or National Guard<\/li>\n<li>Participating in a medical or dental residency program<\/li>\n<li>Under significant debt burden, meaning your loan payment is greater than 20% of your monthly income<\/li>\n<\/ul>\n<p class=\"featured-box featured-box--isGreen\"><b>Important information:<\/b> Interest will accrue during forbearance, no matter what type of loan you have.<\/p>\n<p>During the COVID-19 pandemic, the federal government <a href=\"https:\/\/www.credible.com\/blog\/refinance-student-loans\/cares-act-student-loans\/\">moved interest rates on its student loans to 0% and suspended loan payments<\/a>. This suspension is slated to end on September 1, 2023.<\/p>\n<p>Private student loans often have similar deferment and forbearance programs to federal loans. Interest will generally accrue in all circumstances during deferment or forbearance.<\/p>\n<p><b><i>Learn More: <\/i><\/b><a href=\"https:\/\/www.credible.com\/blog\/student-loans\/how-student-loans-can-be-used\/\"><i>What Can You Use Student Loans For?<\/i><\/a><\/p>\n<p><a name=\"tax-benefits-student-loan-interest\"><\/a><\/p>\n<h2>Are there tax benefits to student loan interest?<\/h2>\n<p>Yes, you may be able to deduct some of the money you pay in <a href=\"https:\/\/www.credible.com\/blog\/personal-finance\/7-steps-student-loan-interest-deduction\/\">student loan interest<\/a> on your federal taxes.<\/p>\n<p>If you have federal loans, you can likely deduct up to $2,500 in interest you pay on your tax return. With private loans, you may be able to deduct up to $2,500 in interest as well, depending on your specific type of loan. Be sure to check with your loan servicer to see if your loan qualifies.<\/p>\n<p>In either case, your student loan servicer will send you a Form 1098-E that details how much interest you paid over the course of the year.<\/p>\n<p><a name=\"save-money-on-student-loans\"><\/a><\/p>\n<h2>How to save money on student loans<\/h2>\n<p>The <a href=\"https:\/\/www.credible.com\/blog\/refinance-student-loans\/what-are-average-student-loan-interest-rates\/\">interest rate<\/a> on your student loan has a major effect on how much you ultimately pay. Even a slightly higher interest rate can equate to thousands of dollars in extra costs over the life of your loan.<\/p>\n<p>Depending on your financial situation, you may be able to refinance your student loans into a new loan with a lower interest rate. This could reduce your monthly payment and lower the amount you pay in interest before your loan is paid off.<\/p>\n<p>Private lenders offer <a href=\"https:\/\/www.credible.com\/refinance-student-loans\">student loan refinances<\/a> . These allow you to combine multiple federal and private student loans into a single loan with one payment and interest rate. The interest rate you qualify for will depend on your finances and credit. The higher your credit score, the lower the interest rate you\u2019ll typically qualify for. With excellent credit, the greater the chance that you\u2019d be able to qualify for an interest rate significantly lower than you\u2019re currently paying.<\/p>\n<p>However, take caution before refinancing federal student loans into a new, private loan. By doing so, you lose access to the benefits that federal loans provide, including flexible repayment plans and student loan forgiveness programs. If you have poor credit, refinancing your loans is also not likely to yield you a good deal.<\/p>\n<div class=\"basic-box\" style=\"border: 1px solid #E2E4E6;\"><div class=\"basic-box__inside\"><b>Pro tip: <\/b>Before committing to a student loan refinance, be sure to shop around with multiple lenders to get the best deal.<\/div><\/div>\n<p><b><i>Check Out:<\/i><\/b> <a href=\"https:\/\/www.credible.com\/blog\/refinance-student-loans\/lower-interest-rate-student-loans\/\"><i>7 Ways to Lower Your Interest Rate Now<\/i><\/a><\/p>\n<h3>Other ways to save money on student loans<\/h3>\n<p>Other strategies to help you save money on student loans include:<\/p>\n<ul>\n<li><b>Only borrow what you need.<\/b> The more you borrow, the more you\u2019ll have to pay back and the more interest you\u2019ll accrue.<\/li>\n<li><b>Explore scholarships and grants.<\/b> Your school may offer financial aid, including scholarships and grants. This money doesn\u2019t need to be paid back and reduces the amount you need to borrow. You may also qualify for work study, a program where you\u2019re employed while in school and earn money to help pay for your higher education expenses.<\/li>\n<li><b>Make interest-only payments while in school.<\/b> Even though you\u2019re not required to, you can generally make interest-only payments while in school to avoid this interest being capitalized into your loan when you graduate.<\/li>\n<li><b>Set up automatic payments.<\/b> Some student loan servicers will offer you a discount on your interest rate if you use an \u201cautopay\u201d feature, which deducts money for your student loan payment from your bank account automatically when it\u2019s due.<\/li>\n<\/ul>\n<p>If you\u2019re interested in a private student loan, consider one of our partners.<\/p>\n<p>The companies in the table below are Credible\u2019s approved partner lenders. Whether you\u2019re the borrower or cosigner, Credible makes it easy to compare rates from multiple private student loan providers without affecting your credit score.<\/p>\n\n<table id=\"tablepress-74\" class=\"tablepress tablepress-id-74 table table-border-top table-rounded table-no-img-margin table-capitalized-column-titles table-align-center tbody-has-connected-cells\">\n<thead>\n<tr class=\"row-1\">\n\t<th class=\"column-1\">Lender<\/th><th class=\"column-2\">Fixed Rates From (APR)<br \/>\n<\/th><th class=\"column-3\">Variable Rates From (APR)<\/th>\n<\/tr>\n<\/thead>\n<tbody class=\"row-striping row-hover\">\n<tr class=\"row-2\">\n\t<td class=\"column-1\"><center><br \/>\n<br \/>\n        <div class=\"tablepress-rating-shortcode\">\n            <div class=\"heading__container\">\n                <span class=\"heading\">\n                                            <a href=\"https:\/\/www.credible.com\/lenders\/ascent\/\">Credible Rating<\/a>\n                                    <\/span>\n                                    <div class=\"even\" data-toggle=\"tip\" data-placement=\"top left\">\n                        <img decoding=\"async\" class=\"icon-help\" alt=\"Question mark icon to show more information\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/icon-help-dark.svg\">\n                        <span class=\"tip\">\n                            <span class=\"tip-content\">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. <a href=\"https:\/\/www.credible.com\/blog\/credible-rating-lender-methodology\/\">Read our full methodology.<\/a><\/span>\n                            <span class=\"tip-arrow\"><\/span>\n                        <\/span>\n                    <\/div>\n                            <\/div>\n            <div class=\"star-rating__container\" role=\"img\" aria-label=\"4 star rating\">\n                            <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                    <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                    <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                    <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                            <img decoding=\"async\" class=\"star-light\" alt=\"A three-quarter star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-three-quarter.svg\">\n                    <\/div>\n            <div class=\"details-link\">\n                <a href=\"#\" class=\"collapsed\" data-target=\"#ascent-psl\" data-toggle=\"collapse\" role=\"button\">View details<\/a>\n            <\/div>\n        <\/div>\n        <\/td><td class=\"column-2\">  <span>\n    1.94%+<sup>10<\/sup>\n  <\/span>\n<\/td><td class=\"column-3\">  <span>\n    3.64%+<sup>10<\/sup>\n  <\/span>\n<\/td>\n<\/tr>\n<tr class=\"row-3\">\n\t<td colspan=\"3\" class=\"column-1\">            <div id=\"ascent-psl\" class=\"collapse tablepress-lender-details__container\">\n                <ul>\n                                                <li><span class=\"font-weight-bold\">Fixed APR:<\/span>\n                                  <span>\n    1.94%+<sup>10<\/sup>\n  <\/span>\n<\/li>\n                                                <li><span class=\"font-weight-bold\">Variable APR:<\/span>\n                                  <span>\n    3.64%+<sup>10<\/sup>\n  <\/span>\n<\/li>\n                                                <li><span class=\"font-weight-bold\">Min. credit score:<\/span>\n                                Does not disclose<\/li>\n                                                <li><span class=\"font-weight-bold\">Loan amount:<\/span>\n                                $2,001* to $400,000 <\/li>\n                                                <li><span class=\"font-weight-bold\">Loan terms (years):<\/span>\n                                5, 7, 10, 12, 15, 20<\/li>\n                                                <li><span class=\"font-weight-bold\">Repayment options:<\/span>\n                                Full deferral, fixed\/flat repayment, interest only, academic deferment, military deferment, forbearance, loans discharged upon death or disability<\/li>\n                                                <li><span class=\"font-weight-bold\">Fees:<\/span>\n                                None<\/li>\n                                                <li><span class=\"font-weight-bold\">Discounts:<\/span>\n                                0.25% to 1.00% automatic payment discount, 1% cash back graduation reward<\/li>\n                                                <li><span class=\"font-weight-bold\">Eligibility:<\/span>\n                                Must be a U.S. citizen or permanent resident or DACA student enrolled at least half-time in a degree-seeking program<\/li>\n                                                <li><span class=\"font-weight-bold\">Customer service:<\/span>\n                                Email, phone<\/li>\n                                                <li><span class=\"font-weight-bold\">Prequalified rates with a soft credit check:<\/span>\n                                Yes<\/li>\n                                                <li><span class=\"font-weight-bold\">Cosigner release:<\/span>\n                                After 12 on-time principal and interest payments<\/li>\n                                                <li><span class=\"font-weight-bold\">Loan servicer:<\/span>\n                                Launch Servicing, LLC<\/li>\n                                    <\/ul>\n                            <\/div>\n        <\/td>\n<\/tr>\n<tr class=\"row-4\">\n\t<td class=\"column-1\"><center><br \/>\n<br \/>\n        <div class=\"tablepress-rating-shortcode\">\n            <div class=\"heading__container\">\n                <span class=\"heading\">\n                                            <a href=\"https:\/\/www.credible.com\/lenders\/citizens-bank\/#citizens-bank-private-student-loans\">Credible Rating<\/a>\n                                    <\/span>\n                                    <div class=\"even\" data-toggle=\"tip\" data-placement=\"top left\">\n                        <img decoding=\"async\" class=\"icon-help\" alt=\"Question mark icon to show more information\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/icon-help-dark.svg\">\n                        <span class=\"tip\">\n                            <span class=\"tip-content\">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. <a href=\"https:\/\/www.credible.com\/blog\/credible-rating-lender-methodology\/\">Read our full methodology.<\/a><\/span>\n                            <span class=\"tip-arrow\"><\/span>\n                        <\/span>\n                    <\/div>\n                            <\/div>\n            <div class=\"star-rating__container\" role=\"img\" aria-label=\"4 star rating\">\n                            <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                    <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                    <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                    <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                            <img decoding=\"async\" class=\"star-light\" alt=\"A three-quarter star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-three-quarter.svg\">\n                    <\/div>\n            <div class=\"details-link\">\n                <a href=\"#\" class=\"collapsed\" data-target=\"#citizens-bank-psl\" data-toggle=\"collapse\" role=\"button\">View details<\/a>\n            <\/div>\n        <\/div>\n        <\/td><td class=\"column-2\">  <span>\n    3.24%+<sup>1<\/sup>\n  <\/span>\n<\/td><td class=\"column-3\">  <span>\n    4.97%+<sup><\/sup>\n  <\/span>\n<\/td>\n<\/tr>\n<tr class=\"row-5\">\n\t<td colspan=\"3\" class=\"column-1\">            <div id=\"citizens-bank-psl\" class=\"collapse tablepress-lender-details__container\">\n                <ul>\n                                                <li><span class=\"font-weight-bold\">Fixed APR:<\/span>\n                                  <span>\n    3.24%+<sup>1<\/sup>\n  <\/span>\n<\/li>\n                                                <li><span class=\"font-weight-bold\">Variable APR:<\/span>\n                                  <span>\n    4.97%+<sup><\/sup>\n  <\/span>\n<\/li>\n                                                <li><span class=\"font-weight-bold\">Min. credit score:<\/span>\n                                720<\/li>\n                                                <li><span class=\"font-weight-bold\">Loan amount:<\/span>\n                                $1,000 to $350,000<\/li>\n                                                <li><span class=\"font-weight-bold\">Loan terms (years):<\/span>\n                                5, 10, 15<\/li>\n                                                <li><span class=\"font-weight-bold\">Loan types:<\/span>\n                                Any private or federal student loan<\/li>\n                                                <li><span class=\"font-weight-bold\">Repayment options:<\/span>\n                                Full deferral, full monthly payment, interest only, immediate repayment, academic deferment, military deferment, forbearance, loans discharged upon death or disability<\/li>\n                                                <li><span class=\"font-weight-bold\">Fees:<\/span>\n                                Late fee<\/li>\n                                                <li><span class=\"font-weight-bold\">Discounts:<\/span>\n                                Autopay, loyalty<\/li>\n                                                <li><span class=\"font-weight-bold\">Eligibility:<\/span>\n                                Available in all 50 states (international students can apply with a creditworthy U.S. citizen or permanent resident cosigner)<\/li>\n                                                <li><span class=\"font-weight-bold\">Customer service:<\/span>\n                                Email, phone, chat<\/li>\n                                                <li><span class=\"font-weight-bold\">Soft credit check:<\/span>\n                                Yes<\/li>\n                                                <li><span class=\"font-weight-bold\">Cosigner release:<\/span>\n                                After 36 months<\/li>\n                                                <li><span class=\"font-weight-bold\">Loan servicer:<\/span>\n                                Firstmark Services<\/li>\n                                    <\/ul>\n                            <\/div>\n        <\/td>\n<\/tr>\n<tr class=\"row-6\">\n\t<td class=\"column-1\"><center><br \/>\n<br \/>\n        <div class=\"tablepress-rating-shortcode\">\n            <div class=\"heading__container\">\n                <span class=\"heading\">\n                                            <a href=\"https:\/\/www.credible.com\/lenders\/college-ave\/#college-ave-private-student-loans\">Credible Rating<\/a>\n                                    <\/span>\n                                    <div class=\"even\" data-toggle=\"tip\" data-placement=\"top left\">\n                        <img decoding=\"async\" class=\"icon-help\" alt=\"Question mark icon to show more information\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/icon-help-dark.svg\">\n                        <span class=\"tip\">\n                            <span class=\"tip-content\">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. <a href=\"https:\/\/www.credible.com\/blog\/credible-rating-lender-methodology\/\">Read our full methodology.<\/a><\/span>\n                            <span class=\"tip-arrow\"><\/span>\n                        <\/span>\n                    <\/div>\n                            <\/div>\n            <div class=\"star-rating__container\" role=\"img\" aria-label=\"4 star rating\">\n                            <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                    <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                    <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                    <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                            <img decoding=\"async\" class=\"star-light\" alt=\"A three-quarter star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-three-quarter.svg\">\n                    <\/div>\n            <div class=\"details-link\">\n                <a href=\"#\" class=\"collapsed\" data-target=\"#college-ave-psl\" data-toggle=\"collapse\" role=\"button\">View details<\/a>\n            <\/div>\n        <\/div>\n        <\/td><td class=\"column-2\">  <span>\n    2.19%+<sup>2,3<\/sup>\n  <\/span>\n<br \/>\n<\/td><td class=\"column-3\">  <span>\n    3.89%+<sup>2,3<\/sup>\n  <\/span>\n<\/td>\n<\/tr>\n<tr class=\"row-7\">\n\t<td colspan=\"3\" class=\"column-1\">            <div id=\"college-ave-psl\" class=\"collapse tablepress-lender-details__container\">\n                <ul>\n                                                <li><span class=\"font-weight-bold\">Fixed APR:<\/span>\n                                  <span>\n    2.19%+<sup>2,3<\/sup>\n  <\/span>\n<\/li>\n                                                <li><span class=\"font-weight-bold\">Variable APR:<\/span>\n                                  <span>\n    3.89%+<sup>2,3<\/sup>\n  <\/span>\n<\/li>\n                                                <li><span class=\"font-weight-bold\">Min. credit score:<\/span>\n                                Does not disclose<\/li>\n                                                <li><span class=\"font-weight-bold\">Loan amount:<\/span>\n                                $1,000 up to cost of attendance<\/li>\n                                                <li><span class=\"font-weight-bold\">Loan terms (years):<\/span>\n                                5, 8, 10, 15, 20<\/li>\n                                                <li><span class=\"font-weight-bold\">Repayment options:<\/span>\n                                Full deferral, full monthly payment, fixed\/flat repayment, interest only, immediate repayment, academic deferment, forbearance, loans discharged upon death or disability<\/li>\n                                                <li><span class=\"font-weight-bold\">Fees:<\/span>\n                                Late fee<\/li>\n                                                <li><span class=\"font-weight-bold\">Discounts:<\/span>\n                                Autopay<\/li>\n                                                <li><span class=\"font-weight-bold\">Eligibility:<\/span>\n                                Must be a U.S. citizen or permanent resident and be making satisfactory academic progress.<\/li>\n                                                <li><span class=\"font-weight-bold\">Customer service:<\/span>\n                                Email, phone<\/li>\n                                                <li><span class=\"font-weight-bold\">Prequalified rates with a soft credit check:<\/span>\n                                Yes<\/li>\n                                                <li><span class=\"font-weight-bold\">Cosigner release:<\/span>\n                                After half of the scheduled repayment term has been completed<\/li>\n                                                <li><span class=\"font-weight-bold\">Loan servicer:<\/span>\n                                College Ave Servicing LLC\r\n<p><i><sup>Learn more about<a href=\"https:\/\/help.collegeavestudentloans.com\/hc\/en-us\/articles\/5560603133079-Can-a-cosigner-be-released-from-a-loan-\"> cosigner release requirements.<\/a> Requesting prequalified rates on Credible is free and doesn't affect your credit score. However, applying for or closing a loan will involve a hard credit pull that impacts your credit score and closing a loan will result in costs to you.<\/p><\/i><\/sup><\/li>\n                                    <\/ul>\n                            <\/div>\n        <\/td>\n<\/tr>\n<tr class=\"row-8\">\n\t<td class=\"column-1\"><center><br \/>\n<br \/>\n        <div class=\"tablepress-rating-shortcode\">\n            <div class=\"heading__container\">\n                <span class=\"heading\">\n                                            <a href=\"https:\/\/www.credible.com\/lenders\/custom-choice\/\">Credible Rating<\/a>\n                                    <\/span>\n                                    <div class=\"even\" data-toggle=\"tip\" data-placement=\"top left\">\n                        <img decoding=\"async\" class=\"icon-help\" alt=\"Question mark icon to show more information\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/icon-help-dark.svg\">\n                        <span class=\"tip\">\n                            <span class=\"tip-content\">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. <a href=\"https:\/\/www.credible.com\/blog\/credible-rating-lender-methodology\/\">Read our full methodology.<\/a><\/span>\n                            <span class=\"tip-arrow\"><\/span>\n                        <\/span>\n                    <\/div>\n                            <\/div>\n            <div class=\"star-rating__container\" role=\"img\" aria-label=\"4 star rating\">\n                            <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                    <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                    <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                    <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                            <img decoding=\"async\" class=\"star-light\" alt=\"A half star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-half.svg\">\n                    <\/div>\n            <div class=\"details-link\">\n                <a href=\"#\" class=\"collapsed\" data-target=\"#custom-choice-psl\" data-toggle=\"collapse\" role=\"button\">View details<\/a>\n            <\/div>\n        <\/div>\n        <\/td><td class=\"column-2\">  <span>\n    3.35%+<sup><\/sup>\n  <\/span>\n<\/td><td class=\"column-3\">  <span>\n    3.65%+<sup><\/sup>\n  <\/span>\n<\/td>\n<\/tr>\n<tr class=\"row-9\">\n\t<td colspan=\"3\" class=\"column-1\">            <div id=\"custom-choice-psl\" class=\"collapse tablepress-lender-details__container\">\n                <ul>\n                                                <li><span class=\"font-weight-bold\">Fixed APR:<\/span>\n                                  <span>\n    3.35%+<sup><\/sup>\n  <\/span>\n<a href=\"https:\/\/www.credible.com\/a\/cogfin-disclosures\"><sup>11<\/sup><\/a><\/li>\n                                                <li><span class=\"font-weight-bold\">Variable APR:<\/span>\n                                  <span>\n    3.65%+<sup><\/sup>\n  <\/span>\n<a href=\"https:\/\/www.credible.com\/a\/cogfin-disclosures\"><sup>11<\/sup><\/a><\/li>\n                                                <li><span class=\"font-weight-bold\">Loan amount:<\/span>\n                                $1,000 to $99,999 annually\r\n<small>($180,000 aggregate limit)<a href=\"https:\/\/www.credible.com\/a\/cogfin-disclosures\"><sup>11<\/sup><\/a><\/small><\/li>\n                                                <li><span class=\"font-weight-bold\">Loan terms (years):<\/span>\n                                7, 10, 15<a href=\"https:\/\/www.credible.com\/a\/cogfin-disclosures\"><sup>11<\/sup><\/a><\/li>\n                                                <li><span class=\"font-weight-bold\">Repayment options:<\/span>\n                                Full deferral, immediate repayment, interest-only repayment, flat\/full repayment, academic deferment, military deferment, forbearance, loans discharged upon death or disability<\/li>\n                                                <li><span class=\"font-weight-bold\">Fees:<\/span>\n                                None<\/li>\n                                                <li><span class=\"font-weight-bold\">Discounts:<\/span>\n                                Autopay<a href=\"https:\/\/www.credible.com\/a\/cogfin-disclosures\"><sup>11<\/sup><\/a><\/li>\n                                                <li><span class=\"font-weight-bold\">Eligibility:<\/span>\n                                Available to borrowers in all 50 states. Must be a U.S. citizen or permanent resident.<\/li>\n                                                <li><span class=\"font-weight-bold\">Customer service:<\/span>\n                                Phone, email<\/li>\n                                                <li><span class=\"font-weight-bold\">Prequalified rates with a soft credit check:<\/span>\n                                Yes<\/li>\n                                                <li><span class=\"font-weight-bold\">Cosigner release:<\/span>\n                                After 36 months<a href=\"https:\/\/www.credible.com\/a\/cogfin-disclosures\"><sup>11<\/sup><\/a><\/li>\n                                                <li><span class=\"font-weight-bold\">Loan servicer:<\/span>\n                                American Education Services<\/li>\n                                                <li><span class=\"font-weight-bold\">Min. income:<\/span>\n                                $1<\/li>\n                                    <\/ul>\n                            <\/div>\n        <\/td>\n<\/tr>\n<tr class=\"row-10\">\n\t<td class=\"column-1\"><center><br \/>\n<br \/>\n        <div class=\"tablepress-rating-shortcode\">\n            <div class=\"heading__container\">\n                <span class=\"heading\">\n                                            <a href=\"https:\/\/www.credible.com\/lenders\/invested\/#invested-private-student-loans\">Credible Rating<\/a>\n                                    <\/span>\n                                    <div class=\"even\" data-toggle=\"tip\" data-placement=\"top left\">\n                        <img decoding=\"async\" class=\"icon-help\" alt=\"Question mark icon to show more information\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/icon-help-dark.svg\">\n                        <span class=\"tip\">\n                            <span class=\"tip-content\">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. <a href=\"https:\/\/www.credible.com\/blog\/credible-rating-lender-methodology\/\">Read our full methodology.<\/a><\/span>\n                            <span class=\"tip-arrow\"><\/span>\n                        <\/span>\n                    <\/div>\n                            <\/div>\n            <div class=\"star-rating__container\" role=\"img\" aria-label=\"4 star rating\">\n                            <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                    <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                    <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                    <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                            <img decoding=\"async\" class=\"star-light\" alt=\"A half star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-half.svg\">\n                    <\/div>\n            <div class=\"details-link\">\n                <a href=\"#\" class=\"collapsed\" data-target=\"#invested-psl\" data-toggle=\"collapse\" role=\"button\">View details<\/a>\n            <\/div>\n        <\/div>\n        <\/td><td class=\"column-2\">  <span>\n    4.53%+<sup>8<\/sup>\n  <\/span>\n<\/td><td class=\"column-3\">  <span>\n    5.78%+<sup>8<\/sup>\n  <\/span>\n<\/td>\n<\/tr>\n<tr class=\"row-11\">\n\t<td colspan=\"3\" class=\"column-1\">            <div id=\"invested-psl\" class=\"collapse tablepress-lender-details__container\">\n                <ul>\n                                                <li><span class=\"font-weight-bold\">Fixed APR:<\/span>\n                                  <span>\n    4.53%+<sup>8<\/sup>\n  <\/span>\n<\/li>\n                                                <li><span class=\"font-weight-bold\">Variable APR:<\/span>\n                                  <span>\n    5.78%+<sup>8<\/sup>\n  <\/span>\n<\/li>\n                                                <li><span class=\"font-weight-bold\">Min. credit score:<\/span>\n                                670<\/li>\n                                                <li><span class=\"font-weight-bold\">Loan amount:<\/span>\n                                $1,001 up to cost of attendance<\/li>\n                                                <li><span class=\"font-weight-bold\">Loan terms (years):<\/span>\n                                5, 10, 15<\/li>\n                                                <li><span class=\"font-weight-bold\">Repayment options:<\/span>\n                                Full deferral, full monthly payment, interest only, immediate repayment, academic deferment, forbearance<\/li>\n                                                <li><span class=\"font-weight-bold\">Fees:<\/span>\n                                Late fee<\/li>\n                                                <li><span class=\"font-weight-bold\">Discounts:<\/span>\n                                Autopay, reward for on-time graduation<\/li>\n                                                <li><span class=\"font-weight-bold\">Eligibility:<\/span>\n                                Must be an Indiana resident or a U.S. citizen attending an eligible Indiana school<\/li>\n                                                <li><span class=\"font-weight-bold\">Customer service:<\/span>\n                                Email, phone, chat<\/li>\n                                                <li><span class=\"font-weight-bold\">Prequalified rates with a soft credit check:<\/span>\n                                Yes<\/li>\n                                                <li><span class=\"font-weight-bold\">Cosigner release:<\/span>\n                                After 12 months<\/li>\n                                                <li><span class=\"font-weight-bold\">Loan servicer:<\/span>\n                                American Education Services<\/li>\n                                    <\/ul>\n                            <\/div>\n        <\/td>\n<\/tr>\n<tr class=\"row-12\">\n\t<td class=\"column-1\"><center><br \/>\n<br \/>\n        <div class=\"tablepress-rating-shortcode\">\n            <div class=\"heading__container\">\n                <span class=\"heading\">\n                                            <a href=\"https:\/\/www.credible.com\/lenders\/mefa\/#mefa-private-student-loans\">Credible Rating<\/a>\n                                    <\/span>\n                                    <div class=\"even\" data-toggle=\"tip\" data-placement=\"top left\">\n                        <img decoding=\"async\" class=\"icon-help\" alt=\"Question mark icon to show more information\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/icon-help-dark.svg\">\n                        <span class=\"tip\">\n                            <span class=\"tip-content\">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. <a href=\"https:\/\/www.credible.com\/blog\/credible-rating-lender-methodology\/\">Read our full methodology.<\/a><\/span>\n                            <span class=\"tip-arrow\"><\/span>\n                        <\/span>\n                    <\/div>\n                            <\/div>\n            <div class=\"star-rating__container\" role=\"img\" aria-label=\"4 star rating\">\n                            <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                    <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                    <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                    <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                            <img decoding=\"async\" class=\"star-light\" alt=\"A half star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-half.svg\">\n                    <\/div>\n            <div class=\"details-link\">\n                <a href=\"#\" class=\"collapsed\" data-target=\"#mefa-psl\" data-toggle=\"collapse\" role=\"button\">View details<\/a>\n            <\/div>\n        <\/div>\n        <\/td><td class=\"column-2\">  <span>\n    4.95%+<sup><\/sup>\n  <\/span>\n<\/td><td class=\"column-3\">N\/A<\/td>\n<\/tr>\n<tr class=\"row-13\">\n\t<td colspan=\"3\" class=\"column-1\">            <div id=\"mefa-psl\" class=\"collapse tablepress-lender-details__container\">\n                <ul>\n                                                <li><span class=\"font-weight-bold\">Fixed APR:<\/span>\n                                  <span>\n    4.95%+<sup><\/sup>\n  <\/span>\n<\/li>\n                                                <li><span class=\"font-weight-bold\">Variable APR:<\/span>\n                                N\/A<\/li>\n                                                <li><span class=\"font-weight-bold\">Min. credit score:<\/span>\n                                670<\/li>\n                                                <li><span class=\"font-weight-bold\">Loan amount:<\/span>\n                                $1,500 up to cost of attendance less aid<\/li>\n                                                <li><span class=\"font-weight-bold\">Loan terms (years):<\/span>\n                                10, 15<\/li>\n                                                <li><span class=\"font-weight-bold\">Repayment options:<\/span>\n                                Full deferral, interest only, immediate repayment, academic deferral, forbearance<\/li>\n                                                <li><span class=\"font-weight-bold\">Fees:<\/span>\n                                None<\/li>\n                                                <li><span class=\"font-weight-bold\">Discounts:<\/span>\n                                None<\/li>\n                                                <li><span class=\"font-weight-bold\">Eligibility:<\/span>\n                                Must be a U.S. citizen or permanent resident and be making satisfactory academic progress.<\/li>\n                                                <li><span class=\"font-weight-bold\">Customer service:<\/span>\n                                Email, phone<\/li>\n                                                <li><span class=\"font-weight-bold\">Prequalified rates with a soft credit check:<\/span>\n                                Yes<\/li>\n                                                <li><span class=\"font-weight-bold\">Cosigner release:<\/span>\n                                After 48 months<\/li>\n                                                <li><span class=\"font-weight-bold\">Loan servicer:<\/span>\n                                American Education Services (AES)<\/li>\n                                    <\/ul>\n                            <\/div>\n        <\/td>\n<\/tr>\n<tr class=\"row-14\">\n\t<td class=\"column-1\"><center><br \/>\n<br \/>\n        <div class=\"tablepress-rating-shortcode\">\n            <div class=\"heading__container\">\n                <span class=\"heading\">\n                                            <a href=\"https:\/\/www.credible.com\/lenders\/sallie-mae\/\">Credible Rating<\/a>\n                                    <\/span>\n                                    <div class=\"even\" data-toggle=\"tip\" data-placement=\"top left\">\n                        <img decoding=\"async\" class=\"icon-help\" alt=\"Question mark icon to show more information\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/icon-help-dark.svg\">\n                        <span class=\"tip\">\n                            <span class=\"tip-content\">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. <a href=\"https:\/\/www.credible.com\/blog\/credible-rating-lender-methodology\/\">Read our full methodology.<\/a><\/span>\n                            <span class=\"tip-arrow\"><\/span>\n                        <\/span>\n                    <\/div>\n                            <\/div>\n            <div class=\"star-rating__container\" role=\"img\" aria-label=\"4 star rating\">\n                            <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                    <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                    <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                    <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                            <img decoding=\"async\" class=\"star-light\" alt=\"A one-quarter star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-quarter.svg\">\n                        <\/div>\n            <div class=\"details-link\">\n                <a href=\"#\" class=\"collapsed\" data-target=\"#sallie-mae-psl\" data-toggle=\"collapse\" role=\"button\">View details<\/a>\n            <\/div>\n        <\/div>\n        <\/td><td class=\"column-2\"><span style=\"font-weight: 400;\">  <span>\n    2.080%<sup>9<\/sup>\n  <\/span>\n -   <span>\n    17.49%<sup>9<\/sup>\n  <\/span>\n<\/span><\/td><td class=\"column-3\"><span style=\"font-weight: 400;\">  <span>\n    3.75%<sup>9<\/sup>\n  <\/span>\n -   <span>\n    16.950%<sup>9<\/sup>\n  <\/span>\n<\/span><\/td>\n<\/tr>\n<tr class=\"row-15\">\n\t<td colspan=\"3\" class=\"column-1\">            <div id=\"sallie-mae-psl\" class=\"collapse tablepress-lender-details__container\">\n                <ul>\n                                                <li><span class=\"font-weight-bold\">Fixed APR:<\/span>\n                                <span style=\"font-weight: 400;\">  <span>\n    2.080%<sup>9<\/sup>\n  <\/span>\n -   <span>\n    17.49%<sup>9<\/sup>\n  <\/span>\n<\/span><\/li>\n                                                <li><span class=\"font-weight-bold\">Variable APR:<\/span>\n                                <span style=\"font-weight: 400;\">  <span>\n    3.75%<sup>9<\/sup>\n  <\/span>\n -   <span>\n    16.950%<sup>9<\/sup>\n  <\/span>\n<\/span><\/li>\n                                                <li><span class=\"font-weight-bold\">Min. credit score:<\/span>\n                                Does not disclose<\/li>\n                                                <li><span class=\"font-weight-bold\">Loan amount:<\/span>\n                                $1,000 up to 100% of school-certified cost of attendance<\/li>\n                                                <li><span class=\"font-weight-bold\">Loan terms (years):<\/span>\n                                10 to 20<sup>9<\/sup><\/li>\n                                                <li><span class=\"font-weight-bold\">Repayment options:<\/span>\n                                Full deferral, fixed\/flat repayment, interest only, academic deferment, forbearance, loans discharged upon death or disability<\/li>\n                                                <li><span class=\"font-weight-bold\">Fees:<\/span>\n                                Late fee, non-sufficient funds (NSF) fee<\/li>\n                                                <li><span class=\"font-weight-bold\">Discounts:<\/span>\n                                Autopay<\/li>\n                                                <li><span class=\"font-weight-bold\">Eligibility:<\/span>\n                                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.<\/li>\n                                                <li><span class=\"font-weight-bold\">Customer service:<\/span>\n                                Phone, chat<\/li>\n                                                <li><span class=\"font-weight-bold\">Prequalified rates with a soft credit check:<\/span>\n                                Yes<\/li>\n                                                <li><span class=\"font-weight-bold\">Cosigner release:<\/span>\n                                Borrowers can apply after graduation, 12 consecutive on-time principal and interest payments, and meeting certain credit requirements.<\/li>\n                                                <li><span class=\"font-weight-bold\">Loan servicer:<\/span>\n                                Sallie Mae<\/li>\n                                    <\/ul>\n                            <\/div>\n        <\/td>\n<\/tr>\n<tr class=\"row-16\">\n\t<td colspan=\"3\" class=\"column-1\"><center><b>Compare Prequalified Private Student Loan rates. <\/b><br><br \/>\n<center><a class=\"btn btn-warning\" href=\"https:\/\/www.credible.com\/student-loans\/start\">Compare Private Loans Now<\/a><\/center><br><\/center><br \/>\n<!-- TrustBox widget - Micro Combo --><br \/>\n<div class=\"trustpilot-widget\" data-locale=\"en-US\" data-template-id=\"5419b6ffb0d04a076446a9af\" data-businessunit-id=\"5536ec090000ff00057eebe7\" data-style-height=\"20px\" data-style-width=\"100%\" data-theme=\"light\"><a href=\"https:\/\/www.trustpilot.com\/review\/www.credible.com\" target=\"_blank\" rel=\"noopener noreferrer\">Trustpilot<\/a><\/div><br \/>\n<!-- End TrustBox widget --><\/td>\n<\/tr>\n<tr class=\"row-17\">\n\t<td colspan=\"3\" class=\"column-1\"><p style=\"text-align: center;\"><small>Lowest APRs reflect autopay, loyalty, and interest-only repayment discounts where available. <a href=\"https:\/\/www.credible.com\/faqs\">Prequalified rates<\/a> are not an offer of credit. | <sup>10<\/sup><a href=\"https:\/\/www.credible.com\/a\/ascent-student-loan-disclosure\/\" target=\"_blank\" rel=\"noopener noreferrer\">Ascent Disclosures<\/a> | <sup>1<\/sup><a href=\"#\" rel=\"noopener noreferrer\" data-toggle=\"collapse\" data-target=\"#citizensbank-inschool\">Citizens Bank Disclosures<\/a> | <sup>2,3<\/sup><a href=\"https:\/\/www.credible.com\/a\/college-ave-disclosures\" target=\"_blank\" rel=\"noopener noreferrer\">College Ave Disclosures<\/a> | <sup>11<\/sup><a href=\"https:\/\/www.credible.com\/a\/cogfin-disclosures\" target=\"_blank\" rel=\"noopener noreferrer\">Custom Choice Disclosures<\/a> | \u00a0<sup>7<\/sup><a href=\"https:\/\/www.credible.com\/a\/edvestinu-apr-details-inschool\" target=\"_blank\" rel=\"noopener noreferrer\">EDvestinU Disclosures<\/a> | <sup>8<\/sup><a href=\"https:\/\/www.credible.com\/a\/invested-disclosures\" target=\"_blank\" rel=\"noopener noreferrer\">INvestEd Disclosures<\/a> | <sup>9<\/sup><a href=\"https:\/\/www.credible.com\/a\/sallie-mae-homepage-disclosures\/\" target=\"_blank\" rel=\"noopener noreferrer\">Sallie Mae Disclosures<\/a><\/small><\/p>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n\n","protected":false},"excerpt":{"rendered":"<p>When you borrow money, you don\u2019t get it for free. Lenders generally charge you interest \u2014 a percentage of the loan amount that you pay back in addition to the amount you borrowed. Put simply,&hellip; <a class=\"more \" href=\"https:\/\/www.credible.com\/blog\/refinance-student-loans\/when-does-student-loan-interest-start\/\">Continue reading<\/a><\/p>\n","protected":false},"author":132,"featured_media":63938,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"om_disable_all_campaigns":false,"inline_featured_image":false,"footnotes":""},"categories":[2],"tags":[1499],"class_list":["post-63935","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-refinance-student-loans","tag-student-loan-basics-sidebar","when-does-student-loan-interest-start","post_tag-student-loan-basics-sidebar"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>When Do Student Loans Start to Accrue Interest? | Credible<\/title>\n<meta name=\"description\" content=\"When does interest start on student loans? 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