Rates are effective {currentdate}.

¹APR = Annual Percentage Rate. Rate is fixed and your rate and/or credit approval depends upon the credit qualifications of the student borrower or coborrower (if applicable). Your actual rate within the range stated will be disclosed upon approval. Student borrowers may apply with a creditworthy coborrower which may result in a better chance of approval and/or lower interest rate.

Rates are effective {currentdate}.

¹The Annual Percentage Rate is subject to increase after consummation. Your interest rate is variable and may be adjusted quarterly on each January 1, April 1, July 1 and October 1 (Adjustment Date) based on the Prime index as published in the Wall Street Journal on the first business day of the month immediately prior to the Adjustment Date (e.g., December, March, June and September). Any increase in the index may increase the APR and the amount of your monthly payment. All loans subject to approval and restrictions may apply. We reserve the right to change rates for new applications at any time and without notice.

²The "Index" for the quarter beginning January 1st, 2020, is 4.75%, which was the Prime index published in the Wall Street Journal on the first business day of December 2019. The interest rate will not exceed 18.00% regardless of the Index.

³Margin will be disclosed at account opening.

⁴APR= Annual Percentage Rate.  Current offered rate(s) are calculated by using the Index, Margin and Floor value(s) in effect. Your specific Interest Rate, Margin, Floor, and/or credit approval depends upon the credit qualifications of the student borrower and co-borrower (if applicable). Student borrowers may apply with a creditworthy co-borrower which may result in a better chance of approval and/or lower interest rate. The APR will not exceed 18.00%, or fall below the Floor rate regardless of the Index. Any increase in the Index may increase the APR and the amount of your monthly payment.