College Ave
Private education loans and refinancing · Understand the product, application and total repayment cost.
At a glance
Product
Private education loans and refinancing
Price
Rates and fees vary. Borrowed money must be repaid.
Decision
Subject to provider eligibility, verification and final approval.
Before applying
Check the credit inquiry, repayment schedule and full agreement.
What this option provides
College Ave provides private education-loan options, including undergraduate, graduate and parent borrowing, and also lists student-loan refinancing. These products serve different borrowers and purposes. A new education loan addresses eligible school costs, while refinancing replaces existing debt under a new private agreement.
When to explore it
Start with the school’s cost information and subtract grants, scholarships and other available funding. Compare federal and private options before committing. A parent loan and a student loan with a cosigner place obligations on different people, so identify who will be legally responsible and how payments will be managed.
Compare costs and obligations
Compare fixed and variable rates, APR, repayment plans, fees and total projected payments. Ask how interest accrues while studying and whether payments are required during enrollment. Loan eligibility, certified school costs and available repayment choices can limit the amount or terms actually offered.
Prepare your application
Have school, enrollment and financial information ready, along with cosigner details if relevant. Review the loan disclosure and school-certification process before accepting. If refinancing is the goal, separately consider the benefits and protections of existing federal loans that would be lost by moving them into private debt.
Review the provider’s current disclosures before submitting personal or financial information. A preliminary estimate is not a commitment to lend. Save the offer documents and ask the provider to clarify any condition you do not understand before accepting. Guizmo provides information and does not make lending decisions.
Frequently asked questions
Is a private student loan the same as federal aid?
No. Private loans have their own eligibility and repayment terms. Compare the available federal options, borrower protections and school funding package before choosing private borrowing to fill a remaining gap.
Is the amount shown a free benefit?
No. This listing introduces a borrowing or financing option, not free money. Reviewing information does not create an entitlement to funds. If you enter a finance agreement, the repayment and other obligations are set by that agreement.
Review the provider’s current terms
Compare the written offer, total cost and repayment obligations before making a decision. Availability and eligibility can change.
Offer information reviewed in October 2026. Availability, pricing and eligibility may change.