Plenty of loan options to consider.1 Even more reasons to choose Custom Choice.

  • Prequalify2 in minutes with no impact to your credit score.
  • Lock in a personalized rate that stays valid for 30 days.
  • Design a loan customizable to your needs.
  • Unlock benefits like a graduation reward3 and an auto pay discount.4

All we need are a few minutes of your time and a few extra details.

Fixed Rates*


to 14.04% APR5,6

Variable Rates*


to 15.56% APR5,6

*Lowest APRs include a 0.25% discount when auto pay is elected.5,6

Personal Information

  • Pay stub (no more than 30 days old) or other proof of income

  • Monthly housing cost (rent, mortgage, other)

  • Permanent resident aliens and Eligible Non-Citizens7 will be required to provide documentation regarding current immigration status in the United States. The document(s) must be valid through the academic period.

School Information

  • Anticipated graduation date
  • Loan amount
  • Academic period for loan

Repayment on your terms.


Focus on your education and make no payments while in school

  • Begin payments 6 months after graduation or leaving school
  • Highest overall costs


Make a flat $25 payment each month to reduce your interest

  • Lowest payment option in school
  • Reduce some of your overall costs


Pay the accrued interest each month during school

  • Moderate payments during school
  • Reduce overall costs significantly


Make payments on both principal and interest immediately

  • Highest payment
  • Lowest overall costs

Fixed & Variable Rates

Students can choose whether they want to lock in a fixed interest rate for the life of the loan or allow the interest rate to change over time with the market.

7, 10, or 15 Years8

The choice is yours whether to pay your loan over 7, 10, or 15 years. You know best when it comes to which repayment timeline works for your situation and budget.

Limits & Maximums9

  • $1,000 minimum loan amount
  • $99,999 annual loan maximum
  • $180,000 aggregate student loan limit (total amount of student loan debt allowable)

Payment Relief Options

Sometimes life just throws you a curveball. No problem! Your Custom Choice Loan automatically comes with payment relief options for:

  • Unemployment:10 If you have trouble finding a job after school or if you lose your job during repayment.
  • Natural Disasters:11 Focus on rebuilding. Your loan payments will wait.
  • No missed payment or late fees, either!
A college girl smiling while using a laptop computer.