6 Reasons to Use CollegeBoard.org

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Whether you remember or not, you’ve used — or will soon use — CollegeBoard.org. That’s because The College Board owns and administers the SAT.

But the self-ascribed mission-driven not-for-profit organization does a lot more than allow you to take college entrance exams. Its tools and resources just might help you decide where you go to college and how you pay for it.

Let’s look at CollegeBoard.org by answering four questions about what it is and how to use it:

What is CollegeBoard.org?
How do you create a CollegeBoard.org account?
What can you use CollegeBoard.org for?
How can CollegeBoard.org help you make a plan?

What is CollegeBoard.org?

CollegeBoard.org is home to some of the best data about how we educate teens and 20-somethings in America today. That’s because it’s led by members of 6,000-plus colleges, universities and other institutions.

It’s also a go-to resource for high school teachers, administrators and other professionals in the field of education. For example, there is an online community for teachers of Advanced Placement (AP) courses. The College Board created AP to give high school students the opportunity to receive credit for college-level classes at a lower cost.

But it’s no surprise that the primary users of the website are students. CollegeBoard.org has claimed that it helps more than 7 million students each year make the jump from high school to college.

Because it’s the only gateway to college entrance exams like the SAT, high school juniors and seniors are directed to use the website by their high school’s college counselors. Once logged in, you’ll find free library-like resources on college planning and career mapping.

How do you create a CollegeBoard.org account?

You can roam CollegeBoard.org without creating an account. However, signing up for an account is necessary to:

  • Register for the SAT and CLEP (College-Level Examination Program) exams and print your admission tickets
  • Access your SAT and AP scores and send them to schools
  • Build and manage your list of preferred colleges
  • Create and save your college scholarship searches

Signing up is an easy process — it took me less than five minutes to complete. You’ll be asked for your basic personal information, and you’ll also need to choose your high school from a drop-down menu.

You could also include your parent’s information so that they receive the same updates you do, plus a monthly newsletter containing information about SAT prep and college planning.

What can you use CollegeBoard.org for?

Once you’ve signed into CollegeBoard.org, you’ll be welcomed onto the site by your first name and grade level. If you’re an 11th-grader named Andrew, for example, here’s what you’ll see upon logging in for the first time (as of July 2020):

CollegeBoard.org

If you’re a junior, you’ll also receive a season-by-season checklist to prepare college. You’d be advised to:

No matter your year in school, there are many useful free tools and resources on the site. Here are six things the CollegeBoard.org website can help you accomplish with ease:

1. Register and prep for the SAT
2. Learn about and explore AP courses
3. Build your list of preferred colleges
4. Study up on majors and career pathways
5. Complete the CSS Profile and pick up financial aid advice
6. Search and apply for college scholarships

1. Register and prep for the SAT

The SAT is a standardized test used all over the country by colleges and universities to compare applicants. High school juniors and seniors take the grueling exam, each chasing that perfect 1600 score.

Via CollegeBoard.org, you can:

  • Register: It takes 30 to 40 minutes to complete.
  • Choose a test date: 67 percent of students do better on their second try.
  • Study up on the test’s content: It will test reading, writing, language and math.
  • Send scores to your preferred colleges: The first four submissions are free.

CollegeBoard.org has also partnered with the Khan Academy on SAT prep, meaning you won’t have to rely on thick paperback books or expensive prep courses. Using the Khan Academy platform, you can set up your own schedule, identify your weaknesses and take up to eight practice tests.

Aside from the SAT, you can also sign up for the following tests:

2. Learn about and explore AP courses

Although all AP placement and learning takes place at your high school, CollegeBoard.org is the one-stop-shop to:

  • Learn how to approach teachers about enrolling if they haven’t approached you
  • Consider the benefits, such as college credit and improving your college application
  • Explore specific courses, from art history to calculus and beyond

The site is particularly useful for finding the courses you might be interested in taking. If you think you might major in journalism down the road, for example, you could explore CollegeBoard.org’s guide to AP English Language and Composition.

Taking that course as a high school junior or senior might mean you can cross off a general education requirement once you arrive on your college campus. It could also be a test for whether you truly enjoy the written word.

Beyond AP prep, CollegeBoard.org is also the place to find out how you performed on your AP tests. Colleges and universities look at your scores when deciding whether to grant you college credit.

To match your scores to your College Board profile, you’ll need to enter your AP number and student ID. You should have received both when you enrolled in an AP course.

3. Build your list of preferred colleges

Everything that CollegeBoard.org has to offer from this point forward is about looking forward. You’ll be moved to a section of the site — and a URL — called BigFuture.CollegeBoard.org.

The College Board doesn’t have the market cornered on comparing colleges. Other established companies, from The Princeton Review to Fastweb, offer the same filters to narrow down your list of preferred schools. After all, filters like school type, cost and admission statistics are among the factors to consider when choosing a college.

The difference at CollegeBoard.org or rather, BigFuture.CollegeBoard.org, is that it offers instruction about how to think about these categories before beginning your college search. For each category, you might benefit from asking questions like these:

Kinds of colleges Am I limiting my choices by focusing on whether a college is public or private?
Location How close to home do I want to be? Close enough for meals and laundry, to visit on weekends or to only come home on breaks?
Campus setting Do I see myself at a college with lots of students or in a smaller community?
Cost Will I qualify for financial aid?
Majors What are my favorite school subjects? What do I like doing when I’m not in class?
Learning environment Do I prefer to be part of small group discussions or to listen to lectures? How much interaction do I want with my professors?

Answering these questions first will help you become more efficient in whittling down your college choices from 3,711 to, say, 15 or 20. You can be as specific as you see fit, from zeroing in on schools that accept a specified SAT score range, offer a certain amount of financial aid for college or have a unique sport or club activity on campus.

As you’re clicking on schools, you’ll see brochure-like campus photos backed up by hard data. If financial aid is your (or your parent’s) top concern, you can use that statistic to compare schools. Kansas State University, for example, awarded an average of $13,657 per student — however, its intrastate rival University of Kansas checked in at $17,896.

At this stage, you’re evaluating schools, not discarding them from consideration over one factor. College Board’s tool is meant for:

  • Adding potential preferred schools to your college list
  • Comparing up to three colleges side by side
  • Using the academic tracker to see if your grades and test scores are keeping you on pace for admission

4. Study up on majors and career pathways

More useful for high school seniors than juniors, this section of the site is working under the assumption that your future career is the sum of your current interests. That’s how it expects you to find your major area of study.

Whether you agree with this line of thinking or not, CollegeBoard.org offers an array of resources centered around its major and career search. Pretty much every imaginable job has a profile page detailing:

  • Characteristics that might make you a fit
  • Tasks you can take on during high school to get on track
  • Information on the outlook and return on investment of majors and professions

The upside of this section of the site is that if you’re not ready to get down to specifics, you can browse different content about career paths. Click on interesting keywords and go down the rabbit hole of one before coming up for another that might interest you.

No one expects you to decide on a major, let alone a career, after reviewing CollegeBoard.org’s free resources. Still, your research here just might inform your decision down the road.

5. Complete the CSS Profile and pick up financial aid advice

Like the SAT, the CSS Profile makes CollegeBoard.org a must visit for nearly all families preparing for college. Think of it as the Free Application for Federal Student Aid (FAFSA), but for non-federal financial aid.

For the 2020-21 school year, the CSS Profile was slated to be used by 240 colleges and universities to dispense institutional, state and private financial aid for college. The CSS Profile becomes available annually on Oct. 1 (just like the FAFSA).

Beyond providing CSS Profile tips and tricks, CollegeBoard.org is not pretending to be the definitive source on how to finance your years of college. It does, however, have content on everything from applying for the FAFSA and securing grants to considering private student loans and comparing financial aid packages.

If you’d rather learn by doing, use your time toying with three interactive tools to estimate and plan for the costs of going to school.

Tool Question it answers What you need Best for…
College savings calculator Are you saving enough to afford school? Estimated college costs and current college savings Middle and high school students and their parents
Student loan calculator Will you be able to afford your postgraduate student loan payments? Anticipated graduation year, projected first salary and your student loan amounts High school seniors and college underclassmen who are wary of choosing a major that leads to a low-paying career
Compare your aid awards Which of your top schools offers the best aid package? Cost of attendance and financial aid awards of as many as four different schools High school seniors who have already received college award letters

This might seem like getting too far ahead of the game if you’re in the 11th or 12th grade, or the parent of someone who is. But the faster you can answer these questions, the more prepared you’ll be to pay for school — that’s CollegeBoard.org’s intent, anyway.

6. Search and apply for college scholarships

The calculators and tools in the “Pay for College” section of CollegeBoard.org might add some urgency to your search for gift aid. Fortunately, the site also hosts one of the web’s most useful scholarship search tools.

In fact, CollegeBoard.org claims it has access to 2,200 aid programs offering about $6 billion in awards.

To narrow it down, you can enter personal information to see which scholarships might fit you best. There are scholarships geared toward many different groups, such as underrepresented students, students with disabilities and students meeting other special conditions.

How can CollegeBoard.org help you make a plan?

If those six areas of focus seemed like an overload, worry not. CollegeBoard.org dedicates a part of its site to making a plan, whether you’re a seventh-grader just learning about college or a senior in high school who’s already chosen one.

CollegeBoard.org

If your brain needs a break, you might also appreciate being presented with a Mad Libs-style quiz that can build out a personalized plan for you.

The five-question quiz will ask you about your:

  1. Grade level
  2. Experience searching for colleges
  3. Knowledge about financing college
  4. Preferences for two- or four-year schools
  5. Reason for looking forward to college

Taking your answers into account, your dashboard will list interactive activities. You might watch a video about talking to college counselors or go through an exercise to help narrow down your choice of major.

It’s a good spot to visit on CollegeBoard.org when you feel bombarded with all of the pre-college information you have to digest. The planning function makes a checklist of everything else on the site, allowing you to focus on one thing at a time and move through the content at your own pace.

CollegeBoard.org is not a perfect platform, but it does cater to users who aren’t sure about next steps just as it helps users who know exactly what they’re looking for.

It’s free to use, it’s there when you need it — and if you (or your child) is in high school, you’ll need it soon.

Need a student loan?

Here are our top student loan lenders of 2021!
LenderVariable APREligibility 
1.04% – 11.98%1Undergraduate, Graduate, and Parents

Visit College Ave

1.13% – 11.23%*,2Undergraduate, Graduate, and Parents

Visit SallieMae

3.80% – 9.36%3Undergraduate and Graduate

Visit CommonBond

2.20% – 6.17%4Undergraduate and Graduate

Visit EdvestinU

1.05% – 11.44%5Undergraduate and Graduate

Visit Earnest

1.82% – 11.32%6Undergraduate

Visit Ascent

N/A7Undergraduate and Graduate

Visit FundingU

1.12% – 11.23%8Undergraduate and Graduate

Visit SoFi

1.15% – 11.01%9Undergraduate and Graduate

VISIT CITIZENS

* The Sallie Mae partner referenced is not the creditor for these loans and is compensated by Sallie Mae for the referral of Smart Option Student Loan customers.

1 Important Disclosures for College Ave.

CollegeAve Disclosures

College Ave Student Loans products are made available through either Firstrust Bank, member FDIC or M.Y. Safra Bank, FSB, member FDIC. All loans are subject to individual approval and adherence to underwriting guidelines. Program restrictions, other terms, and conditions apply.

Rates shown are for the College Ave Undergraduate Loan product and include autopay discount. The 0.25% auto-pay interest rate reduction applies as long as a valid bank account is designated for required monthly payments. Variable rates may increase after consummation.
 
This informational repayment example uses typical loan terms for a freshman borrower who selects the Deferred Repayment Option with a 10-year repayment term, has a $10,000 loan that is disbursed in one disbursement and a 8.35% fixed Annual Percentage Rate (“APR”): 120 monthly payments of $179.18 while in the repayment period, for a total amount of payments of $21,501.54. Loans will never have a full principal and interest monthly payment of less than $50. Your actual rates and repayment terms may vary. This informational repayment example uses typical loan terms for a first year graduate student borrower who selects the Deferred Repayment Option with a 10-year repayment term, has a $10,000 loan that is disbursed in one disbursement and a 7.10% fixed Annual Percentage Rate (“APR”): 120 monthly payments of $141.66 while in the repayment period, for a total amount of payments of $16,699.21. Loans will never have a full principal and interest monthly payment of less than $50. Your actual rates and repayment terms may vary.

Information advertised valid as of 7/22/2021. Variable interest rates may increase after consummation. Approved interest rate will depend on the creditworthiness of the applicant(s), lowest advertised rates only available to the most creditworthy applicants and require selection of full principal and interest payments with the shortest available loan term.


2 Sallie Mae Disclaimer: Click here for important information. Terms, conditions and limitations apply.

3 Important Disclosures for CommonBond.

CommonBond Disclosures

Offered terms are subject to change and state law restriction. Loans are offered by CommonBond Lending, LLC (NMLS # 1175900), NMLS Consumer Access. If you are approved for a loan, the interest rate offered will depend on your credit profile, your application, the loan term selected and will be within the ranges of rates shown.  If you choose to complete an application, we will conduct a hard credit pull, which may affect your credit score. All Annual Percentage Rates (APRs) displayed assume borrowers enroll in auto pay and account for the 0.25% reduction in interest rate. All variable rates are based on a 1-month LIBOR assumption of 0.15% effective Jan 1, 2021 and may increase after consummation.


4 Important Disclosures for EdvestinU.

EdvestinU Disclosures

EDvestinU is a product of the nonprofit New Hampshire Higher Education Loan Corporation (dba The NHHEAF Network) NMLS ID#1527348.

APR range and repayment rates displayed assume a $10,000 loan disbursed in two equal disbursements. APR low assumes immediate repayment and 7 year repayment. APR high assumes deferred repayment and 15 year repayment. APR’s presented include a .50% interest rate reduction for electing to have payments automatically deducted from a bank account. The interest rate reduction for authorizing our servicer to automatically deduct monthly payments from a savings or checking account will not reduce the monthly payment, but will reduce the monthly finance charge, resulting in a lower total cost of loan. All examples are provided for educational purposes and actual terms may vary based on credit history, loan amount, applicable repayment term, and chosen repayment plan and method. Please note that the interest rate on variable rate programs may increase or decrease over time. The variable rate example assumes the same standard rate for the life of the loan. The NHHEAF Network reserves the right to modify or cancel its program at any time.  

Eligibility: Dependent and independent U.S. citizen students. Currently residents of Washington and California are not eligible for EDvestinU programs.
Students must be enrolled at least half-time at a U.S.-based Title IV, degree-granting college or university.
The borrower or cosigner (if applicable) must have a minimum adjusted gross income of $30,000.

Loan Limits: Minimum loan amount of $1,000.
Maximum loan amount is cost of education less aid received.

Repayment: Standard or graduated repayment options available during repayment; 7, 10, or 15 year term selected by the borrower.
6-month grace period available to borrowers electing a full in-school deferment. 
No prepayment penalty.
Payments may be postponed during repayment by qualifying for an economic hardship deferment.

Cosigner Release: Cosigner release allowed if an account is in current standing, after 36 months of consecutive & on-time payments with a borrower FICO >749 for EDvestinU Private Student Loans and minimum income requirement of $30,000 with no foreclosures, repossessions, wage garnishments, unpaid tax liens, unpaid judgments or other public records having an open balance exceeding $100 during the last 7 years. The borrower must not currently be involved in bankruptcy proceeding or had any bankruptcy filings during the past 10 years and cannot have any defaults on education loans.


5 Important Disclosures for Earnest.

Earnest Disclosures

  1. Rates include 0.25% Auto Pay Discount
     
  2. Explanation of Rates “With Autopay” (APD)
    Rates shown include 0.25% APR discount when client agrees to make monthly principal and interest payments by automatic electronic payment. Use of autopay is not required to receive an Earnest loan.

    Available Terms
    For Cosigned loans – 5, 7, 10, 12, 15 years. 
    Primary Only – 10, 12, 15 years

    In school deferred payment is not available in AL, AZ, CA, FL, MA, MD, MI, ND, NY, PA, and WA).


6 Important Disclosures for Ascent Student Loans.

Ascent Student Loans Disclosures

Ascent loans are funded by Bank of Lake Mills, Member FDIC. Loan products may not be available in certain jurisdictions. Certain restrictions, limitations; and terms and conditions may apply. For Ascent Terms and Conditions please visit: >AscentFunding.com/Ts&Cs;.

Rates are effective as of 07/01/2021 and reflect an automatic payment discount of either 0.25% (for credit-based loans) OR 1.00% (for undergraduate outcomes income-based loans). Automatic Payment Discount is available if the borrower is enrolled in automatic payments from their personal checking account and the amount is successfully withdrawn from the authorized bank account each month. For Ascent rates and repayment examples please visit: >AscentFunding.com/Rates.

1% Cash Back Graduation Reward subject to terms and conditions, please visit AscentFunding.com/Cashback. Cosigned Credit-Based Loan student borrowers must meet certain minimum credit criteria. The minimum score required is subject to change and may depend on the credit score of your cosigner. Lowest APRs are available for the most creditworthy applicants and may require a cosigner.


7 Important Disclosures for Funding U.

FundingU Disclosures

Offered terms are subject to change. Loans are made by Funding University which is a for-profit enterprise. Funding University is not affiliated with the school you are attending or any other learning institution. None of the information contained in Funding University’s website constitutes a recommendation, solicitation or offer by Funding University or its affiliates to buy or sell any securities or other financial instruments or other assets or provide any investment advice or service.


8 Important Disclosures for SoFi.

sofiDisclosures

UNDERGRADUATE LOANS: Fixed rates from 4.13% to 10.66% annual percentage rate (“APR”) (with autopay), variable rates from 1.12% to 11.23% APR (with autopay). GRADUATE LOANS: Fixed rates from 4.13% to 10.90% APR (with autopay), variable rates from 1.10% to 11.34% APR (with autopay). MBA AND LAW SCHOOL LOANS: Fixed rates from 4.08% to 10.86% APR (with autopay), variable rates from 1.05% to 11.29% APR (with autopay). PARENT LOANS: Fixed rates from 4.23% to 10.66% APR (with autopay), variable rates from 1.20% to 11.23% APR (with autopay). For variable rate loans, the variable interest rate is derived from the one-month LIBOR rate plus a margin and your APR may increase after origination if the LIBOR increases. Changes in the one-month LIBOR rate may cause your monthly payment to increase or decrease. Interest rates for variable rate loans are capped at 13.95%, unless required to be lower to comply with applicable law. Lowest rates are reserved for the most creditworthy borrowers. If approved for a loan, the interest rate offered will depend on your creditworthiness, the repayment option you select, the term and amount of the loan and other factors, and will be within the ranges of rates listed above. The SoFi 0.25% autopay interest rate reduction requires you to agree to make monthly principal and interest payments by an automatic monthly deduction from a savings or checking account. The benefit will discontinue and be lost for periods in which you do not pay by automatic deduction from a savings or checking account. Information current as of 4/1/2021. Enrolling in autopay is not required to receive a loan from SoFi. SoFi Lending Corp., licensed by the Department of Business Oversight under the California Financing Law License No. 6054612. NMLS #1121636 (>www.nmlsconsumeraccess.org).


9 Important Disclosures for Citizens Bank.

Citizens Bank Disclosures

Undergraduate Rate Disclosure: Variable interest rates range from 1.15% – 11.01% (1.15% – 10.24 APR)Fixed interest rates range from 4.18% – 11.70% (4.18% – 10.83% APR).

Graduate Rate Disclosure: Variable interest rates range from 1.89% – 10.66% (1.89% – 10.41% APR). Fixed interest rates range from 4.64% – 11.23%% (4.64% – 10.95% APR).

Business/Law Rate Disclosure: Variable interest rates range from 1.89% – 9.22% (1.89% – 8.50% APR). Fixed interest rates range from 4.38% – 10.44% (4.38% – 9.72% APR).

Medical/Dental Rate Disclosure: Variable interest rates range from 1.89% – 8.02% (1.89% – 7.72% APR). Fixed interest rates range from 4.28% – 9.24% (4.28% – 8.94% APR).

Parent Loan Rate Disclosure: Variable interest rates range from 1.97% – 7.06% (1.97% – 7.06% APR). Fixed interest rates range from 4.94% – 8.58% (4.94% – 8.58% APR).

Bar Study Rate Disclosure: Variable interest rates range from 4.44% – 9.58% (4.44% – 9.52% APR). Fixed interest rates range from 7.39% – 12.94% (7.40% – 12.83% APR).

Medical Residency Rate Disclosure: Variable interest rates range from 3.53% – 7.03% (3.53% – 6.76% APR). Fixed interest rates range from 6.99% – 10.49% (6.98% – 10.09% APR).

Variable Rate Disclosure: Variable Rates are based on the one-month London Interbank Offered Rate (“LIBOR”) published in The Wall Street Journal on the twenty-fifth day, or the next business day, of the preceding calendar month. As of June 1, 2021, the one-month LIBOR rate is 0.09%. Variable interest rates will fluctuate over the term of the loan with changes in the LIBOR rate, and will vary based on applicable terms, level of degree and presence of a co-signer. The maximum variable rate is the greater of 21.00% or Prime Rate plus 9.00%. 

Fixed Rate Disclosure: Fixed rate ranges are based on applicable terms, level of degree, and presence of a co-signer.

Lowest Rate Disclosure: Lowest rates require a 5-year repayment term, immediate repayment, a graduate degree (where applicable), and include our Loyalty and Automatic Payment discounts of 0.25 percentage points each, as outlined in the Loyalty Discount and Automatic Payment Discount disclosures. Rates are subject to additional terms and conditions, and are subject to change at any time without notice. Such changes will only apply to applications taken after the effective date of change.

Federal Loan vs. Private Loan Benefits: Some federal student loans include unique benefits that the borrower may not receive with a private student loan, some of which we do not offer.  Borrowers should carefully review federal benefits, especially if they work in public service, are in the military, are considering possible loan forgiveness options, are currently on or considering income based repayment options or are concerned about a steady source of future income and would want to lower their payments at some time in the future. When the borrower refinances, they waive any current and potential future benefits of their federal loans. For more information about federal student loan benefits and federal loan consolidation, visit http://studentaid.ed.gov/. We also have several resources available to help the borrower make a decision on our website including Should I Refinance My Student Loans? and our FAQs. Should I Refinance My Student Loans? includes a comparison of federal and private student loan benefits that we encourage the borrower to review.

Eligibility Criteria: Applicants must be a U.S. citizen, permanent resident, or eligible non-citizen with a creditworthy U.S. citizen or permanent resident co-signer. For applicants who have not attained the age of majority in their state of residence, a co-signer is required. Citizens Bank reserves the right to modify eligibility criteria at any time. Citizens Bank private student loans are subject to credit qualification, completion of a loan application/Promissory Note, verification of application information, and if applicable, self-certification form, school certification of the loan amount, and student’s enrollment at a Citizens Bank participating school.

Loyalty Discount Disclosure: The borrower will be eligible for a 0.25 percentage point interest rate reduction on their loan if the borrower or their co-signer (if applicable) has a qualifying account in existence with us at the time the borrower and their co-signer (if applicable) have submitted a completed application authorizing us to review their credit request for the loan. The following are qualifying accounts: any checking account, savings account, money market account, certificate of deposit, automobile loan, home equity loan, home equity line of credit, mortgage, credit card account, or other student loans owned by Citizens Bank, N.A. Please note, our checking and savings account options are only available in the following states: CT, DE, MA, MI, NH, NJ, NY, OH, PA, RI, and VT and some products may have an associated cost. This discount will be reflected in the interest rate disclosed in the Loan Approval Disclosure that will be provided to the borrower once the loan is approved. Limit of one Loyalty Discount per loan and discount will not be applied to prior loans. The Loyalty Discount will remain in effect for the life of the loan.

Automatic Payment Discount Disclosure: Borrowers will be eligible to receive a 0.25 percentage point interest rate reduction on their student loans owned by Citizens Bank, N.A. during such time as payments are required to be made and our loan servicer is authorized to automatically deduct payments each month from any bank account the borrower designates. Discount is not available when payments are not due, such as during forbearance. If our loan servicer is unable to successfully withdraw the automatic deductions from the designated account three or more times within any 12-month period, the borrower will no longer be eligible for this discount.