Discover Student Loans
Discover Student Loans

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Variable Rates xxx - xxx APR

Fixed Rates xxx - xxx APR

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Please select a School
Please select a Loan Type
Retrieve Your Application Cosign an Application

Learn more about your options as a cosigner

Why Choose Discover Student Loans

Up to 100% Covered

Up to 100% of school-certified college costs are covered. Aggregate loan limits apply.

Zero Fees

That includes no application, origination or late fees.

Valuable Rewards

Get cash rewards for good grades. Plus a 0.25% rate reduction when you're enrolled in automatic payments.

US-Based Loan Specialist

All of our Student Loan Specialists are US-based. We're here anytime day or night to help you.

Not all student loans are created equal

DISCOVER Sallie Mae Wells Fargo
Rewards for good grades2 yes no no
Cover up to 100% of school-certified costs – aggregate loan limits apply yes yes yes
Zero fees yes no yes
Choose between in-school or deferred repayment options yes yes no
Student Loan Specialists available anytime 24/7 yes no no
Apply in as little as 15 minutes or less yes yes yes
Comparisons based on information obtained on lenders' websites or from customer service representatives and are based on student loans where students are the primary borrower as of November 2020.

Student loan resources for students and parents

Compare Federal and Private Student Loans

Discover Student Loans believes in responsible borrowing and encourages students to maximize scholarships, grants and other free financial aid before taking private loans. For students who need to borrow, we advise them to compare federal and private student loans to find the loans that best fit their needs.

  1. The fixed interest rate is set at the time of application and does not change during the life of the loan. The variable interest rate is calculated based on the 3-Month LIBOR index plus the applicable margin percentage. For variable interest rate loans, the 3-Month LIBOR is X as of X. Discover Student Loans may adjust the rate quarterly on each January 1, April 1, July 1 and October 1 (the “interest rate change date”), based on the 3-Month LIBOR Index, published in the Money Rates section of the Wall Street Journal 15 days prior to the interest rate change date, rounded up to the nearest one-eighth of one percent (0.125% or 0.00125). This may cause the monthly payments to increase, the number of payments to increase or both. Our lowest APR is only available to customers with the best credit and other factors. Your APR will be determined after you apply. It will be based on your credit history, which repayment option you choose and other factors, including your cosigner’s credit history (if applicable). Learn more about Discover Student Loans interest rates.

  2. Students who get at least a 3.0 GPA (or equivalent) may qualify for a one-time cash reward on each new Discover undergraduate and graduate student loan. Plus, undergraduate freshman borrowers who received at least a 3.0 GPA (or equivalent) during high school may qualify for an additional cash reward on their first undergraduate student loan. Limitations apply. See Terms and Conditions for complete details.