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Discover is no longer accepting new student loan applications.
Applications received on or before January 31, 2024, 11:59 pm CT will be
processed as usual.
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Updated May 15, 2024
STUDENT LOANS FOR COLLEGE STUDENTS
Get good grades. Get paid. Get a cash reward for good grades on each new student
loan.1
Fixed Rates 5.24% - 15.99% APR
Variable Rates 6.49% - 17.37% APR
APRs shown are for undergraduate loans. APR ranges will vary by loan type and
may be higher than what is shown here. Lowest APRs are available to the most
creditworthy applicants, and include an interest-only repayment discount and
Auto Debit Reward.2 Applying with a creditworthy cosigner may improve your
likelihood for loan approval and you may receive a lower interest rate.
COMPLETE AN APPLICATION
For applications submitted on or before January 31, 2024.
Retrieve Your Application
Cosign an Application
Learn more about your options as a cosigner.
SELECT A STUDENT LOAN TO HELP PAY FOR COLLEGE
Average Customer Rating
My Discover Student Loans and Rewards 4.6 out of 5 stars, average rating value.
Read 2485 Reviews. Same page link.
4.6
(2485)
See how we calculate our ratings
UNDERGRADUATE
Student Loans
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For college students seeking undergraduate degrees
GRADUATE
Student Loans
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For graduate students in master's and doctoral programs
HEALTH PROFESSIONS
Student Loans
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For graduate students in health profession programs
MBA
Student Loans
Opens in same window
For graduate students seeking master's degree in business school
LAW
Student Loans
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For graduate students attending law school
RESIDENCY
Student Loans
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For health profession students preparing for residency or internship
BAR EXAM
Student Loans
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For law students preparing for bar exam
CONSOLIDATION
Student Loans
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For consolidating your federal and private student loans
PARENT
Student Loans
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For parents or other creditworthy individuals
SEE ALL LOANS
See all loans
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See all loans
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 means 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.
SEE HOW WE COMPARE
Discover® Sallie Mae Citizens Bank Celebrates hard work with a cash reward for
good grades1 yes no no Zero fees yes no no Customize your student loan with rate
and repayment options yes yes yes Offers a free search tool to find scholarships
yes yes no
See Full Comparison
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 January 2024.
COMMON STUDENT LOANS FAQ
WHAT TYPES OF LOANS DOES DISCOVER STUDENT LOANS OFFER?
We offer the following types of private student loans to help you cover up to
100% of tuition, housing, books, and more. Aggregate loan limits apply.
* Discover Undergraduate Loan
* Discover Graduate Loan
* Discover MBA Loan
* Discover Health Professions Loan
* Discover Law Loan
* Discover Residency Loans
* Discover Bar Exam Loans
* Discover Parent Loan
Hide All Show All
WILL I QUALIFY FOR A DISCOVER STUDENT LOAN?
Discover is no longer accepting new student loan applications. Applications
received on or before January 31, 2024, 11:59 pm CT will be processed as usual.
To qualify for an undergraduate or graduate private student loan, you must
* Be enrolled at least half-time in a degree program at an eligible school.
* Be seeking a degree.
* Be making satisfactory academic progress as defined by your school.
* Be a US citizen, permanent resident, or international student (International
students require a cosigner who is a US Citizen or permanent resident).
* Be 16 years or older at the time you apply.
* Pass a credit check.
Parent Loan eligibility requirements
Residency Loan eligibility requirements
Bar Exam Loan eligibility requirements
Consolidation Loan eligibility requirements
Hide All Show All
HOW MUCH CAN I BORROW?
For undergraduate and graduate student loans and parent loans, you can borrow up
to 100% of the school-certified cost of attendance (including tuition, housing,
books, and more) minus other financial aid. Aggregate loan limits apply. The
minimum amount is $1,000 for each loan. We certify and disburse student loan
amounts through your school so you do not borrow more than needed.
Use this student loan calculator to estimate how much you may need to borrow.
Borrowing limits for Residency Loans
Borrowing limits for Bar Exam Loans
Borrowing limits for Consolidation Loans
Hide All Show All
WHAT IS THE DIFFERENCE BETWEEN FEDERAL AND PRIVATE STUDENT LOANS?
Federal student loans are available through the US Department of Education,
feature fixed interest rates, and offer several repayment options. Private
student loans are education loans offered by banks or other lenders, are
credit-based, and have fixed or variable interest rates.
Hide All Show All
WHAT IS THE DIFFERENCE BETWEEN SCHOOL-CERTIFIED AND NON-SCHOOL-CERTIFIED PRIVATE
STUDENT LOANS?
A certified private student loan requires the school to verify the amount you
are borrowing and tells the lender when to disburse the funds. This helps ensure
you borrow only what is needed. Non-school-certified loans do not require the
school to verify the amount you are borrowing. These loans typically have higher
interest rates.
Hide All Show All
WHAT ARE THE ADVANTAGES OF APPLYING FOR A PRIVATE STUDENT LOAN WITH A
CREDITWORTHY COSIGNER?
While you may apply on your own, most undergraduate students will need to apply
with a creditworthy cosigner to meet our eligibility requirements, which include
but are not limited to an established and satisfactory credit history. Even if
you meet our requirements, you may still want to consider applying with a
cosigner who has a stronger credit history and income to help you qualify for a
lower interest rate.
Hide All Show All
SHOULD I APPLY FOR FINANCIAL AID BEFORE I APPLY FOR STUDENT LOANS?
We encourage you to borrow responsibly and maximize grants, scholarships, and
other free financial aid before taking student loans. If you need to borrow,
compare federal and private student loans and choose the loans that best fit
your needs.
Hide All Show All
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STUDENT LOAN RESOURCES FOR STUDENTS AND PARENTS
Previous Slide
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Learn how to compare private student loans, from interest rates to customer
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Check out our 10 tips for making your college application process easier.
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Have an interview coming up? Discover Student Loans shares questions to ask in
an interview to determine whether the company you're applying to is a good fit.
Next Slide
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FIND COLLEGE SCHOLARSHIPS
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STUDENT LOAN CALCULATORS
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INFORMATION FOR SCHOOLS
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COMPARE FEDERAL AND PRIVATE STUDENT LOANS
1. Students who get at least a 3.0 GPA (or equivalent) may qualify for a
one-time cash reward of 1% of the loan amount on each new Discover
undergraduate and graduate student loan. Reward redemption period is
limited. Visit DiscoverStudentLoans.com/Reward for reward and redemption
terms and conditions.
2. The fixed interest rate is set at the time of application and does not
change during the life of the loan unless you are no longer eligible for one
or more discounts. The variable interest rate and corresponding APR may
increase over the life of the loan. The variable interest rate is calculated
based on the 3-Month CME Term SOFR index plus the applicable margin
percentage less any applicable discounts. The 3-Month CME Term SOFR index
value for variable interest rate loans is 5.375% as of April 1, 2024.
3-Month CME Term SOFR is administered by CME Group and is published by CME
Group on its website (cmegroup.com/termsofr). Discover Student Loans may
adjust the variable interest rate quarterly on each January 1, April 1, July
1, and October 1 (each an “interest rate change date”), based on the 3-Month
CME Term SOFR rate available for the day that is 15 days prior to the
interest rate change date, rounded up to the nearest one-eighth of one
percent (0.125% or 0.00125), or 0%, whichever is greater. This may cause the
monthly payments to increase, the number of payments to increase, or both.
If the 3-Month CME Term SOFR rate is less than zero percent, then the index
will be deemed to be zero percent (as stated in the promissory note) for
purposes of calculating your interest rate. Your variable interest rate
(index + margin – applicable discounts) will not exceed 18%. Our lowest APRs
are only available to applicants with the best credit. The APR will be
determined after an application is submitted. It will be based on credit
history, the selected repayment option, and other factors, including a
cosigner’s credit history (if applicable). If a student does not have an
established credit history, the student may find it difficult to qualify for
a private student loan on their own or receive the lowest advertised rate.
Learn more about Discover Student Loans interest rates.
Borrow responsibly. 1. Maximize grants, scholarships, and other free financial
aid. 2. Compare federal and private student loans. 3. Choose the loans that best
fit your needs.
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