APR's range from 3.246%–9.260%1 with Autopay2

As New Hampshire’s nonprofit higher education lender, the EDvestinU Private Student Loan Program offers a competitive, low–cost variable rate loan option to applicants nationwide. If you are a student from New Hampshire or an out–of–state student attending a New Hampshire college or university, you have the option of choosing the loan program that best suits your needs from our fixed and variable rate options.

Below are more important loan details. If you have any questions about the application process or need help choosing the best loan program for you, please feel free to contact us.

Want to get an idea of the rate you may qualify for before filling out an application? Check out EDvestinU’s one–of–a–kind Student Loan Payment Calculator. This custom calculator helps you estimate your private student loan rate, monthly payment amount, and total cost of loan.

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NH Connection Loan Icon

I have a N.H. Connection if:

  • I am a N.H. resident –or–
  • I am attending a college or university in N.H.

Once approved, N.H. students will have the option to choose the private education loan program that best suits them; a fixed or variable interest rate.

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Students that are not N.H. residents or attending a college or university in N.H. are welcome to apply for our competitive variable rate Private Loan Program, open to students nationwide.

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International students are eligible for the EDvestinU Private Student Loan Program with a creditworthy U.S. citizen cosigner or permanent resident cosigner.



Application and Solicitation Disclosure

1 APR or "annual percentage rate" is a calculation of what the loan will cost, taking into consideration interest, fees and length of loan. Accordingly, the APR is subject to increase or decrease due to factors such as changes in the interest rate of variable rate loans, changes in principle due to the capitalization of interest or presence of a cosigner. Variable APR rates may increase or decrease depending on fluctuations in the London Interbank Offered Rate (LIBOR) index. Monthly interest rate accrual is based on the published One–Month London Interbank Offered Rate ("LIBOR") as of the last business day of the previous month plus your applicable margin. As of July 31, 2017 the One–Month LIBOR rate is 1.23%. Lowest rate requires application with a cosigner and 0.50 percentage point interest rate reduction for Autopay benefit. 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. APR’s provided include a 0.50 percent interest rate reduction for authorizing our loan servicer to automatically deduct your payments each month from your bank account (Autopay). APR ranges may include interest rate incentives only available to applicants with a creditworthy cosigner.

2 Autopay Benefit: During Periods when payments are due, you will be eligible to receive a 0.50 percentage point interest rate reduction on your loan by authorizing our loan servicer to automatically deduct your payments each month from your 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.

Why EDvestinU?

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Nonprofit Servicer

Student loan servicing from a nationally recognized nonprofit provider with 24/7 online account access and expert loan counseling from application to final payment.

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Stakeholders, Not Stockholders

Unlike the competition, EDvestinU Student Loan Programs focus on stakeholders — the hard–working parents and college–bound students.

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Community Support

Proceeds from the EDvestinU Loan Programs support monthly scholarships and college access activities in 100% of N.H. public high schools.

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Cosigner Release3

The opportunity to remove a cosigner from your loan(s) after 24 months of consecutive and on–time payments

Reduce Your Total Cost


The way you choose to repay your loan will impact the total amount you pay over time. Regardless of what repayment type you choose, even occasional interest payments made while in school will help to lower the total cost.

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Questions?


Check out our FAQ Section for answers to some commonly asked questions or call us at 855.887.5430.


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3 Cosigner release allowed if an account is in current standing, after 24 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.