Survey: See the 20 Most Affordable Small Colleges in the US

Advertiser Disclosure

Student Loan Hero Advertiser Disclosure

Our team at Student Loan Hero works hard to find and recommend products and services that we believe are of high quality. We sometimes earn a sales commission or advertising fee when recommending various products and services to you. Similar to when you are being sold any product or service, be sure to read the fine print to help you understand what you are buying. Be sure to consult with a licensed professional if you have any concerns. Student Loan Hero is not a lender or investment advisor. We are not involved in the loan approval or investment process, nor do we make credit or investment related decisions. The rates and terms listed on our website are estimates and are subject to change at any time.

Editorial Note: This content is not provided or commissioned by any financial institution. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author’s alone, and may not have been reviewed, approved or otherwise endorsed by the financial institution.

college students studying together outside of a college
Logo

We’ve got your back! Student Loan Hero is a completely free website 100% focused on helping student loan borrowers get the answers they need. Read more

How do we make money? It’s actually pretty simple. If you choose to check out and become a customer of any of the loan providers featured on our site, we get compensated for sending you their way. This helps pay for our amazing staff of writers (many of which are paying back student loans of their own!).

Bottom line: We’re here for you. So please learn all you can, email us with any questions, and feel free to visit or not visit any of the loan providers on our site. Read less


For many college applicants, schools with smaller student bodies are ideal. Small colleges can provide students with more opportunities to lead, learn, and get involved than they’d get on a much larger campus.

While the experience at a small college has a lot of offer, it can come at a price. With fewer students paying tuition, small colleges often have higher prices per student.

That doesn’t have to be the case. Our new rankings reveal the 20 most affordable small colleges in the U.S.

Key findings: Ranking small colleges in the U.S.


  • Smaller colleges cost $5,470 more in tuition and fees per year. Smaller colleges’ tuition and fees averaged $27,796 for 2016, compared with the average tuition and fees of $22,326 across all colleges, based on Peterson’s data.

  • The 20 most affordable small colleges have tuition and fees that are all $7,000 or less. This means the most affordable colleges offer savings of $20,750 in tuition and fees compared to average small colleges. Three of the top colleges even have tuition-free initiatives that effectively put these costs at $0.

  • Public colleges are the best option for affordable tuition. Of these 20 most affordable colleges, 17 are state and local public colleges. Interestingly, seven of the cheapest small colleges are in Oklahoma.

The 20 cheapest small colleges


With smaller student populations, each student can have their own place and role on campus. But first, they have to figure out how to pay for college.

As mentioned, a preference for a small college could carry an average premium of $5,470 a year, adding $21,880 to the total cost of a four-year degree. But if that’s the average, which small colleges are the outliers still offering affordable tuition and fees?

To find out, we surveyed tuition, fees, and average student debt at 626 colleges with graduating classes of 500 students or less. Here are the top 20 cheapest small colleges in the U.S.

1. College of the Ozarks in Missouri

  • Undergraduate enrollment: 1,512

  • Annual tuition and fees: $430

  • Average student loan balance among graduates with debt: $0

A private religious university, the College of the Ozarks doesn’t charge tuition. Instead, students work on campus to help cover the costs of education. The college also offers need-based scholarships.

The college discourages students from taking out student loans, and just 7% of its students graduated with educational debt in 2015-16. As of 2017-18, the Colloeg of the Ozarks reports that its graduates had zero student loan debt.

2. Berea College in Kentucky

  • Undergraduate enrollment: 1,665

  • Annual tuition and fees: $570

  • Average student loan balance among graduates with debt: $7,062

Berea College is another private college that helps students pay no tuition. The Tuition Promise Scholarship covers all remaining tuition costs that a student faces after other aid and scholarships are applied. The college’s site estimates the scholarship’s value at more than $155,000 over four years.

While about two-thirds of the college’s students rely on loans to help cover room, board, or other educational costs, the low average balance reflects a great deal this college offers.

3. Alice Lloyd College in Kentucky

  • Undergraduate enrollment: 599

  • Annual tuition and fees: $2,050

  • Average student loan balance among graduates with debt: $10,714

At No. 3 is another Kentucky private college, Alice Lloyd, that’s tuition-free. It offers a tuition guarantee that students will pay nothing out of pocket for their tuition costs for up to 10 semesters.

There is a catch. Students only get the guarantee if they are from the school’s “service area,” which includes 108 neighboring counties in Kentucky, Ohio, Tennessee, Virginia, and West Virginia.

4. York College in New York

  • Undergraduate enrollment: 8,258

  • Annual tuition and fees: $6,747

  • Average student loan balance among graduates with debt: $4,614

The first public college on this list, York College is part of the City University of New York, or CUNY, network. In-state residents pay low tuition of just $6,330 a year.

Because of this, just 6% of the college’s graduates have student loans. Those that do borrow boast the lowest average student loan balances on this list.

5. Dixie State University in Utah

  • Undergraduate enrollment: 8,993

  • Annual tuition and fees: $5,022

  • Average student loan balance among graduates with debt: $15,882

Another small public college to make the list, Dixie State University comes in at No. 5. These low costs and affordable living expenses in St. George, Utah, mean students can keep costs low and limit borrowing. Plus, just 38% of 2016 graduates left Dixie State with student debt.

6. New Mexico Highlands University

  • Undergraduate enrollment: 2,181

  • Annual tuition and fees: $5,550

  • Average student loan balance among graduates with debt: $17,312

For students looking for more one-on-one attention, New Mexico Highlands University delivers. Located in Las Vegas, New Mexico, this college’s class sizes are as small as 15 to 35 student for first-year courses. This can help students get big value out of these already-low costs of attending college.

7. New College of Florida

  • Undergraduate enrollment: 861

  • Annual tuition and fees: $6,916

  • Average student loan balance among graduates with debt: $15,173

Located in Sarasota, Florida, this small school has fewer than 1,000 students and is called the “Honors College of Florida.” It has more rigorous courses that will challenge students, with opportunities for unique, real-world research.

8. Southern Utah University

  • Undergraduate enrollment: 8,407

  • Annual tuition and fees: $6,530

  • Average student loan balance among graduates with debt: $16,892

Located in Cedar City, Utah, Southern Utah University is a midsized school that brings together the individual focus of a small college with the lively campus life of a large one. Thanks to its affordable tuition, the university helps half its students graduate without loans, and those who do borrow have balances far below the average.

9. College of Coastal Georgia

  • Undergraduate enrollment: 3,529

  • Annual tuition and fees: $4,434

  • Average student loan balance among graduates with debt: $25,455

The College of Coastal Georgia has the lowest tuition and fees of any college on this list that actually charges out-of-pocket tuition.

Students here do borrow higher student loan balances, with the average over $25,000. But savvy students can take advantage of the college’s 40-plus scholarships, federal student aid, and other funding to limit student debt.

10. Cameron University in Oklahoma

  • Undergraduate enrollment: 4,444

  • Annual tuition and fees: $5,970

  • Average student loan balance among graduates with debt: $20,019

Cameron University is a small public college that focuses on both academic and career success.

It even offers “The Cameron University Guarantee” that students will be prepared for their careers. If a future employer finds gaps in a graduate’s education, the college will provide additional education at no cost.

11. Rogers State University in Oklahoma

  • Undergraduate enrollment: 3,889

  • Annual tuition and fees: $7,000

  • Average student loan balance among graduates with debt: $16,164

While Rogers State University has a recognized online college program for distance students, it has its flagship campus in Claremore, Oklahoma, as well as campuses in Bartlesville and Pryor.

To help students further afford its already-low costs, the university also provides a range of merit- and need-based scholarships.

12. East Central University in Oklahoma

  • Undergraduate enrollment: 4,428

  • Annual tuition and fees: $6,279

  • Average student loan balance among graduates with debt: $19,170

Another Oklahoma college, East Central University’s staff and instructors advise students and help them get the exact college experience they want. This college also costs $3,000 less per year than the national average for public four-year schools, according to College Board.

13. Emporia State University in Kansas

  • Undergraduate enrollment: 3,702

  • Annual tuition and fees: $6,178

  • Average student loan balance among graduates with debt: $20,433

A small school in Kansas, this public college’s liberal arts and teaching programs are among its most popular. Emporia State University also offers a variety of certificate and licensure programs to help students and professionals build their resumes.

14. The University of Texas of the Permian Basin

  • Undergraduate enrollment: 4,478

  • Annual tuition and fees: $7,060

  • Average student loan balance among graduates with debt: $17,578

For college applicants interested in a degree that will get them hired, The University of Texas of the Permian Basin delivers. This college is often among the top five in Texas for both employment and graduate school placements, according to the school’s site.

15. Southeastern Oklahoma State University

  • Undergraduate enrollment: 3,132

  • Annual tuition and fees: $6,450

  • Average student loan balance among graduates with debt: $20,983

On top of its already-low tuition costs, Southeastern Oklahoma State University provides primarily merit-based scholarships to help students pay for school. Along with the usual perks of small colleges, this makes the university a worthy destination for standout students.

16. Dickinson State University in North Dakota

  • Undergraduate enrollment: 1,381

  • Annual tuition and fees: $5,339

  • Average student loan balance among graduates with debt: $25,936

Next is Dickinson State University, which boasts a student-faculty ratio of 10-to-1. This small college provides students with personalized support, as well as the opportunity to earn anything from a nursing degree to a bachelor’s degree in accounting or music.

17. University of Science and Arts of Oklahoma

  • Undergraduate enrollment: 850

  • Annual tuition and fees: $6,270

  • Average student loan balance among graduates with debt: $22,760

With fewer than 1,000 students and a trimester-based schedule, the University of Science and Arts of Oklahoma provides a unique educational environment.

The college also offers direct assistance to students. Incoming freshmen are automatically evaluated for institutional scholarships. In 2016, 76% of the college’s freshmen received such a scholarship.

18. Southwestern Oklahoma State University

  • Undergraduate enrollment: 4,510

  • Annual tuition and fees: $6,690

  • Average student loan balance among graduates with debt: $21,282

With over 100 fields of study, Southwestern Oklahoma State University is a small college that offers the choices and opportunities of a bigger campus. Its low costs also make it a standout for value, with a net price that beats comparable schools by $1,000 a year, according to the school’s site.

19. The University of North Carolina at Pembroke

  • Undergraduate enrollment: 5,514

  • Annual tuition and fees: $5,816

  • Average student loan balance among graduates with debt: $25,263

This North Carolina university is a smart choice for studying liberal arts at an affordable cost. The college offers low tuition, and graduates leave with student loan balances that they can manage as they pursue the careers they want.

20. Northeastern State University in Oklahoma

  • Undergraduate enrollment: 6,923

  • Annual tuition and fees: $6,207

  • Average student loan balance among graduates with debt: $23,840

Founded as a Cherokee Nation school and later purchased by Oklahoma, Northeastern State University is a state college rich in local history with a traditional college atmosphere.

Students can receive more individualized instruction since 84% of undergrad courses have fewer than 30 students. Popular majors at this college include education, biology, psychology, accounting, and business.

How to choose an affordable small college


Smaller schools have a lot to offer students, from intimate classrooms to charming campuses. Fortunately, you don’t have to face sky-high costs or take on federal or private student loans to get the small-college experience. Follow these tips to find a small college that fits your budget.

  • Look stateside first. If you want to attend a smaller school, you should first check out public colleges in your state. All the tuition and fees estimates in these rankings assume the student is a resident paying in-state tuition. That’s a big reason why 17 of the 20 most affordable colleges are public, regional colleges, as this tuition is subsidized for residents.

  • Attend a community college and transfer. Many community colleges have the same small class sizes as smaller four-year colleges and are often comparable in quality of education and academic rigor. Completing your first 60 credits at a city or community college and transferring saves an average of $11,377 over attending just a four-year college.

  • Apply to your top picks and compare aid packages. Don’t let sticker shock or high tuition keep you from applying to smaller colleges. These colleges often have fewer students vying for resources, and might be more likely to offer scholarships or other aid to attract top students. Apply to several colleges of interest so that you can compare offers in your financial aid award letters. You can then decide on a college knowing exactly what you’d pay out of pocket (or borrow) to attend each one.

Keeping cost top of mind when choosing a school can have a huge impact on what your education costs, and how much student debt you owe. Prioritize affordable colleges now, and you’ll benefit greatly when you’re repaying student loans.

Need a student loan?

Here are our top student loan lenders of 2020!
LenderVariable APREligibility 
1.24% – 11.98%1Undergraduate, Graduate, and Parents

Visit College Ave

1.25% – 9.44%*,2Undergraduate and Graduate

Visit SallieMae

1.24% – 12.49%3Undergraduate and Graduate

Visit Discover

1.24% – 11.44%4Undergraduate, Graduate, and Parents

Visit Earnest

1.90% – 11.66%5Undergraduate and Graduate

Visit SoFi

2.72% – 13.00%6Undergraduate and Graduate

Visit Ascent

3.52% – 9.50%7Undergraduate and Graduate

Visit CommonBond

* 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.

  1. 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.
     
  2. 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 7/1/2020. Variable interest rates may increase after consummation. Lowest advertised rates 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 Discover.

Discover Disclosures

  1. Aggregate loan limits apply.
  2. Students who get at least a 3.0 GPA (or equivalent) qualify for a one-time cash reward on each new Discover undergraduate and graduate student loan. Reward redemption period is limited. Please visit DiscoverStudentLoans.com/Reward for any applicable reward terms and conditions.
  3. Lowest APRs shown are available for the most creditworthy applicants and include an interest-only repayment discount and Auto Debit Reward. The interest rate ranges represent the lowest and highest interest rates offered on Discover student loans, including undergraduate and graduate loans. 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 0.375% as of July 1, 2020. 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.
  4. Lowest APRs shown for Discover Student Loans are available for the most creditworthy applicants for the Discover Private Consolidation Loan and include an Auto Debit Reward. 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 0.375% as of July 1, 2020. 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.
Lowest APRs shown for Discover Student Loans are available for the most creditworthy applicants for undergraduate loans, and include an interest-only repayment discount and a 0.25% interest rate reduction while enrolled in automatic payments.

4 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).


5 Important Disclosures for SoFi.

sofiDisclosures

UNDERGRADUATE LOANS: Fixed rates from 4.23% to 11.76% annual percentage rate (“APR”) (with autopay), variable rates from 1.90% to 11.66% APR (with autopay). GRADUATE LOANS: Fixed rates from 4.13% to 11.83% APR (with autopay), variable rates from 1.80% to 11.73% APR (with autopay). MBA AND LAW SCHOOL LOANS: Fixed rates from 4.11% to 11.81% APR (with autopay), variable rates from 1.78% to 11.72% APR (with autopay). PARENT LOANS: Fixed rates from 4.23% to 11.26% APR (with autopay), variable rates from 1.90% to 11.16% 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 07/10/2020. 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).


6 Important Disclosures for Ascent.

Ascent Disclosures

Before taking out private student loans, you should explore and compare all financial aid alternatives, including grants, scholarships, and federal student loans and consider your future monthly payments and income. Applying with a cosigner may improve your chance of getting approved and could help you qualify for a lower interest rate. Ascent Student Loans may be funded by Richland State Bank (RSB). Ascent Student Loan products are subject to credit qualification, completion of a loan application, verification of application information and certification of loan amount by a participating school. Loan products may not be available in certain jurisdictions, and certain restrictions, limitations; and terms and conditions may apply. Ascent is a federally registered trademark of Turnstile Capital Management (TCM) and may be used by RSB under limited license. Richland State Bank is a federally registered service mark of Richland State Bank.

  1. Competitive variable rates calculated monthly at the time of loan approval based on a margin plus the 1-Month London Interbank Offered Rate (LIBOR) rounded to the nearest 1/100th of a percent. The current LIBOR is 0.176%, which may adjust monthly. Your interest rate may increase or decrease, based on LIBOR monthly changes. Rates are effective as of 08/01/2020 and reflect an Automatic Payment Discount. 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. (See Automatic Payment Discount Terms & Conditions.)
    1. Undergraduate Loans: Variable rate loans have an Annual Percentage (APR) range between 2.72% – 13.00%. Fixed rate loans have an APR range between 3.53% and 14.50% based on your credit worthiness and your selected program. Rates reflect an Automatic Payment Discount of 0.25% (for Credit-Based Loans) on the lowest offered rate and a 2.00% (for Undergraduate Future Income-Based Loans ) discount on the highest offered rate. (See Undergraduate Loan repayment examples.)
    2. Graduate Loans: Variable rate loans have an APR range between 5.33% and 11.42%. Fixed rate loans have an APR range between 6.14% and 11.92% based on your credit worthiness and your selected program. Rates reflect an Automatic Payment Discount of 0.25%. (See Graduate Loan repayment examples.)
  2. Payments may be deferred. Subject to lender discretion, forbearance and/or deferment options may be available for borrowers who are encountering financial distress.
  3. Making interest only or partial interest payments while in school will not reduce the principal balance of the loan. There are three (3) flexible in-school repayment options that include fully deferred, interest only and $25 minimum repayment. (See Undergraduate Loan repayment examples.)
  4. Flexible repayment plans may be offered up to a fifteen (15) year repayment term for a variable rate loan and ten (10) year repayment term for a fixed rate loan. Students must be enrolled at least half-time at an eligible school. Minimum loan amount is $2,000.
  5. Interest rate reduction of either 0.25% (for Credit-Based Loans) or 2.00% (for Undergraduate Future Income-Based Loans) applies only when the borrower and/or cosigner sign up for automatic payments and the payment amount is successfully deducted from the designated bank account each month. The amount of the discount is dependent upon the loan product and credit history of the borrower at the time of application. Interest rate reduction(s) will not apply during periods when no payment is due, including periods of in-school, deferment, grace or forbearance, unless a regular payment amount has been arranged with the servicer. If you have two (2) consecutive returned payments for Nonsufficient Funds, we may cancel your automatic debit enrollment and you will lose the interest rate reduction. You will then need to re-qualify and re-enroll in automatic debit payments to receive the interest rate reduction.(See Automatic Payment Discount Terms & Conditions.)
  6. All applicants (individual and cosigner) are required to complete a brief online financial literacy course as part of the application process to be eligible for funding.
  7. Eligibility, loan amount and other loan terms are dependent on several factors, which may include: loan product, other financial aid, creditworthiness, school, program, graduation date, major, cost of attendance and other factors. Aggregate loan limits may apply. The cost of attendance is determined and certified by the educational institution.
  8. The legal age for entering into contracts is eighteen (18) years of age in every state except Alabama where it is nineteen (19) years old, Nebraska where it is nineteen (19) years old (only for wards of the state), and Mississippi and Puerto Rico where it is twenty-one (21) years old.
  9. 1% Cash Back Graduation Reward subject to terms and conditions. Click here for details. In order to be eligible for the 1% Cash Back Graduation Reward, borrower must meet the following criteria after graduation:
    • The student borrower has graduated from the degree program that the loan was used to fund.
    • The student borrower may change majors and/or transfer to a different school, but must obtain the same level of degree (e.g. – undergraduate or graduate)
    • The graduation date is more than 90 days and less than five (5) years after the date of the loan’s first disbursement.
    • Any loan that the student has borrowed under the Ascent loan is not more than 30-days delinquent or in a default status as of the graduation date and until any Graduation Reward is paid.
  10. Students can apply to release their cosigner and continue with the loan in only their name after making the first 24 consecutive regularly scheduled full principal and interest payments on-time and meeting the other eligibility criteria to qualify for the loan without a cosigner.

* Application times vary depending on the applicant’s ability to supply the necessary information for submission.


7 Important Disclosures for CommonBond.

CommonBond Disclosures

Offered terms are subject to change and state law restrictions. Loans are offered through CommonBond Lending, LLC (NMLS #1175900).

  1.  Rates are as of July 1, 2019 and include auto-pay discount. All loans are eligible for a 0.25% reduction in interest rate by agreeing to automatic payment withdrawals once in repayment. Variable rates may increase after consummation.

Our team at Student Loan Hero works hard to find and recommend products and services that we believe are of high quality. We sometimes earn a sales commission or advertising fee when recommending various products and services to you. Similar to when you are being sold any product or service, be sure to read the fine print to help you understand what you are buying. Be sure to consult with a licensed professional if you have any concerns. Student Loan Hero is not a lender or investment advisor. We are not involved in the loan approval or investment process, nor do we make credit or investment related decisions. The rates and terms listed on our website are estimates and are subject to change at any time.