Undergraduate Loans

Start college with everything you need.
Complete our online application in just 10 minutes and get an undergraduate loan built to give you more; with low, fixed rates, no origination fees, access to financial literacy resources, and no charge for repaying early.

Our complete low-interest loans work with you in mind.

Repayment Term Fixed Interest Rate
10-year, principal and interest payment 5.50 - 5.75%
15-year, principal and interest payment 6.00 - 6.25%
10-year, interest-only payments 6.15 - 6.40%
15-year, interest-only payments 6.50 - 6.75%
You can receive an additional 0.25% rate reduction if your payments are deducted automatically each month from your bank account.
Interest Rate Calculation
Here is an example:
  • Loan Amount: $10,000
  • Fixed Interest rate: 5.50%
  • Repayment Term: 10-year term, principal and interest payments during school
  • Estimated Payment: $109/month for 120 months
  • Estimated Interest Over Life of Loan: $3,023
The lowest fixed interest rate an undergraduate student can qualify for is 5.50% with a 10-year repayment term and principal and interest payments during school.

The highest fixed interest rate an undergraduate student can qualify for is 6.75% with a 15-year repayment term and interest-only payments during school.

Payment Calculation

Remember, the repayment plan you choose will affect how much money you end up paying for your loan.

Pay only the interest on your loan while you’re in school. Make the habit of repaying your loans with a lower payment.

Principal and Interest
Make your full student loan payment as soon as you receive your disbursement.
Man sitting on a bench with textbooks - Complete Student Loans
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Payment Options
Charging you to make a payment just isn’t our style. So, we offer three ways to make your payments—and all of them are free.

Sign-up for autopay and your payments will be deducted from your bank account automatically each month. Complete Student Loans’ customers are eligible for a 0.25% interest rate reduction if they use ACH to make monthly payments.

You can make your monthly payment on-the-go through our online portal. Simply click “login” at the top of this page from your computer, tablet, or phone.

By Phone
You can call us to make your payment at 800-999-6227. We’re available Monday-Friday, 6 a.m.- 4 p.m. Mountain time.

Deferment Information
If you are having trouble making your student loan payments, please contact us to make arrangements. You may qualify for a deferment if you’re serving in the military. During deferment, interest continues to accrue. You have the option to pay the interest as it accrues or we will add any unpaid interest to your principal balance at the end of your deferment.

Ready to get started?