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NEW STUDENT LOAN RATE FOR 2025-2026 ACADEMIC YEAR

Exciting News Ahead! Click now to get the latest updates on new rate availability for the upcoming academic year. Don't miss out!

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Compare and Save on Your Student Loans

Low rates, great benefits, and highly rated service.
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Student Loans

Easy and fast application process. Apply today!

Requesting a rate will not impact your credit score.

Fixed Rates Starting at

3.85% APR1,2

with Immediate Repayment & Auto-Pay & RIAdvantage

©2017-2024 and TM, NerdWallet, Inc. All Rights Reserved.

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Student Loan Refinancing

Why pay back more than you have to?

Requesting a rate will not impact your credit score.

Fixed Rates Starting at

3.99% APR3

with Immediate Repayment & Auto-Pay & RIAdvantage

©2017-2024 and TM, NerdWallet, Inc. All Rights Reserved.

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Preparing, Planning, and Paying for Your Education Journey

Helping Students Nationwide.

RISLA's non-profit education loan programs provide low fixed interest rates for students to borrow responsibly in all 50 states and Washington, DC. Investing in your education is a crucial step in securing a bright future. At RISLA, we understand the importance of responsible borrowing and are here to help make your dreams a reality. 

We are with you for the journey.

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College Planning

A free service aimed at helping students achieve their goal of attending college and paying for it. The CPC assists thousands of students and families each year in planning for higher education.

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Scholarship Hub

Check out how to prepare for college—access free tools and resources.  Find local scholarships for college, and parents and students can enter to win $2,000 in college scholarships!

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Student Loans

Our student loans offer flexible repayment options, competitive interest rates, and a simple application process, making them an ideal choice for parents and students.

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Refinancing

With our refinancing options, you can enjoy the benefits of low fixed interest rates, no fees, and an auto-pay discount. Take advantage of this opportunity to save money and simplify your finances. 

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What customers are saying about RISLA

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Trustpilot
Fixed-Rate Student Loan  | Immediate Refinance Disclosure

1. STUDENT LOAN ANNUAL PERCENTAGE RATE (APR) - IMMEDIATE REPAY: The Annual Percentage Rate (APR) reflects the estimated total cost of the loan, including origination fees ($0), accruing interest, and the effect of capitalized interest. Interest begins accruing after each loan disbursement. The rate shown includes the 0.25% interest rate reduction for using the auto-pay feature and RI Advantage Discount.

2. RI ADVANTAGE DISCOUNT: applies to any Rhode Island resident students attending school in any state or non-Rhode Island resident students attending a school in Rhode Island.

3.  REFINANCE LOAN: Reflects the estimated total cost of the loan, including upfront fees ($0), accruing interest, and the effect of capitalized interest ($0). Interest begins accruing after each loan disbursement. The rate shown includes the 0.25%  interest rate reductions for using the auto-pay feature. If the monthly payment is calculated to be less than $50 per month for the full term, the lowest payment is $50 per month with the term reduced. Not all borrowers qualify for the lowest rate. The rate you will receive (ranging from 3.99% – 8.04% APR with auto-pay) is based on the term of the loan, if the loan is cosigned (which lowers your rate), if you are a Rhode Island resident or for qualified loans for attending a college or university in Rhode Island (which lowers your rate), your credit score & financial history, your cosigner's credit score (if applicable), and other factors. The rate shown is for a 5-year term. The first payment will be due approximately 30 days after the loan is completely disbursed. The rates and terms disclosed above are available while funds last. New funds may be subject to different rates and/or terms.