Student Loan Rates

Student Consolidation Rates

LOAN TERMRATE TYPEAPR1 as low asPAYMENT EXAMPLE2
Up to 60 monthsFixed Rate3.500%$22.36
Up to 84 monthsFixed Rate3.85%$22.52
Up to 180 monthsFixed Rate4.500%$22.81
Up to 216 monthsFixed Rate5.000%$23.03
Up to 240 monthsFixed Rate5.500%$23.26
Up to 300 monthsFixed Rate6.000%$23.49

Rates accurate as of January 3, 2022 and are subject to change.

The loan terms, rates and payments listed above are used to illustrate possible credit transactions. The terms of your credit transaction will be determined by factors such as loan history, underwriting criteria, loan amount and loan to value.

1APR refers to Annual Percentage Rate. Your rate may be higher depending on credit history, underwriting criteria and loan amount. Certain restrictions may apply.

2Payment example is based on $1,000 for 48 months. To calculate your estimated payment, please use our payment calculator.

Student Line of Credit

LOAN TERM1RATE TYPEAPR2 as low asPAYMENT EXAMPLE3
132 monthsFixed Rate4.400%$22.76
168 monthsFixed Rate4.900%$22.99
192 monthsFixed Rate5.400%$23.21
252 monthsFixed Rate5.900%$23.44

Rates accurate as of January 3, 2022 and are subject to change.

1Term listed is repayment period beginning six months after graduation.

2APR refers to Annual Percentage Rate. Your rate may be higher depending on credit history, underwriting criteria, loan amount and school accreditation. Certain restrictions may apply.

3Payment example is based on $1,000 for 48 months. The minimum monthly payment is $100. To calculate your estimated payment, please use our payment calculator located at https://www.ecu.org/Resources/Calculators.