Better Choices for Your Future

Better Choices for Your Future

Your loan options should be as wide open as your future. We can help you find the best financial plan to pay for your educational journey. Prequalify1 in minutes to check your rate with no impact to your credit score. With a Custom Choice Loan®, you’ll get great benefits and the ability to design a loan that’s customizable to your needs.

Check Out Our Competitive Rates

Apply now to get a .50% rate discount for a limited time!Make automatic payments from a bank account and receive an additional .25% discount2 for even more savings. Plus, all loans include a 2% principal reduction with proof of graduation.3

Variable Rate

1.08% - 9.36%

Fixed Rate

3.75% - 10.56%
APR2, 4, 5

Lowest APRs include a 0.25% discount when auto pay is elected. APRs shown include the fall savings rate discount.4,5

Flexible Borrowing Options


Rate Type:
Students can choose whether they want to lock in a fixed interest rate or allow for changes with market volatility with variable interest rates.

The choice is yours whether to pay your loan over 7, 10 or 15 years.8 You know which repayment timeline works best for your budget.

Limits and Maximums:

  • $1,000 minimum loan amount9
  • $99,999 annual loan maximum9
  • $180,000 aggregate student loan limit (total amount of student loan debt allowable)9


Have some questions for us?
We have answers.

Everything you need to know about private student loans.

Contact Us


Speak with a Custom Choice Loan Specialist


Email a Custom Choice Loan Specialist


Reach Us by Mail

Cognition Financial
200 Clarendon Street, 3rd Floor
Boston, MA 02116