See RatesSecure site · Updated July 2026
- Fixed APR range
- 3.59%–16.99%
- Variable APR range
- 4.99%–16.85%
- Loan amount
- $1K–100% of costs
- Cosigner release
- Halfway through term
Why it stands out
College Ave highlights
- Choose a repayment term anywhere from 5 to 15 years
- Three-minute application with a soft-pull rate check
- No application, origination, or prepayment fees
- Loans for undergrad, grad, parents, and career programs
The verdict at a glance
Pros and cons
Pros
- Unusually granular control over term length and payment size
- Fast decisions with a preview of your actual rate
- 0.25% autopay discount lowers the effective APR
Cons
- Cosigner release needs about half the loan term paid down
- No published rate-match or loyalty discount
Our full review
Our take on College Ave
College Ave lets you dial in the term, from five to fifteen years, and shows your real rate in about three minutes with a soft credit check. Its Career Loan option ties into coding bootcamps and trade programs that traditional lenders often skip.
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Figures shown are illustrative editorial examples and may change. Confirm current rates, fees, and terms on College Ave’s own site before you apply.
The alternatives
How College Ave compares
Other top-rated lenders in Student Loans. Compare the numbers side by side before you decide.
| # | Provider | Rating | Fixed APR range | Best for | |
|---|---|---|---|---|---|
| 1 | Sallie Mae | 3.49%–15.49% | Undergrads who want proven scale | See Rates | |
| 2 | SoFi | 3.42%–15.86% | Strong-credit students chasing low APR | See Rates | |
| 3 | Earnest | 3.69%–16.49% | Students who value repayment breathing room | See Rates | |
| 4 | Ascent | 3.79%–16.28% | Students without a cosigner | View Offer |
- Sallie Mae4.9Best for Undergrads who want proven scale
- SoFi4.6Best for Strong-credit students chasing low APR
- Earnest4.5Best for Students who value repayment breathing room
- Ascent4.3Best for Students without a cosigner