Undergraduate Loans
Start your pursuit off on the right foot with flexible terms.
Private Student Loans
Your student loan rate may be lower than you think.
Finance tuition, housing, books, and other school-certified costs with flexible repayment options built for undergraduate, graduate, and professional students.
- Flexible repayment terms
- Competitive fixed and variable rates
- Up to 100% of school-certified costs covered
Checking your rate will not affect your credit score.
New! Cash bonus for good grades.
Eligible borrowers can earn up to $250 for a qualifying GPA while staying on track through school.
4.9/5
Trusted by student borrowers nationwide
Fast application flow, no hidden fee surprises, and dedicated support for school-year planning.
Choose a private student loan with competitive rates.
Use private student loans for living expenses, books, housing, technology, and more when your school certifies the cost of attendance.
- Cover bachelor’s, graduate, certificate, and parent programs.
- Borrow across fall, spring, and summer terms.
- Mix fixed or variable rate options to match your plan.
Our private student loans are tailored to fit your ambitions.
Explore loan options for undergraduate, graduate, parent, and professional programs in one clean overview.
Graduate Loans
Funding support for master’s, doctorate, and certificate paths.
Parent Loans
Help cover college costs with transparent repayment options.
Medical School Loans
Structured funding for MD, DO, DVM, and related programs.
Law School Loans
Flexible funding for JD programs and bar-exam runway planning.
MBA School Loans
Finance business school while balancing internships and travel.
Health Profession Loans
Built for nursing, PT, OT, and other health-related programs.
Dental School Loans
Coverage for DMD and DDS pathways with long-term flexibility.
STEM Loans
Support for engineering, tech, and research-heavy degree tracks.
Why choose a Apex Lend student loan?
Fast online application
Review available options in minutes and invite a cosigner if it helps your application profile.
No surprise fees
Clear pricing and repayment details so you know what you are budgeting for from day one.
Rewards for progress
Borrowers can qualify for milestone-based incentives tied to performance and responsible repayment.
Good grades bonus
Stay academically strong and unlock bonus opportunities designed for high-performing students.
Repay your way
Choose deferred, fixed, or interest-only approaches based on how you want to manage school-year cash flow.
Rate discounts
Autopay and returning-borrower discounts can help reduce your total borrowing cost over time.
Student Loan Calculator
Estimate your private student loan payments
Adjust loan amount, term length, graduation timeline, and rate type to see a quick estimate before you apply.
Estimates are for planning only. Final rates, approval, and payment schedules depend on credit profile, cosigner details, and school certification.
Apex Lend is trusted by borrowers looking for a streamlined lender.
Fast rate checks, fewer friction points, and clear repayment options make planning easier before school bills arrive.
Apex Lend student loans versus other private education loans.
| Feature | Apex Lend | Large Bank | Credit Union | Marketplace Lender |
|---|---|---|---|---|
| Rate check time | 3 minutes | 5 minutes | Manual review | 4 minutes |
| Origination fee | None | Varies | None | Varies |
| Repayment term choices | 4 options | 3 options | 2 options | 4 options |
| Cosigner support | Yes | Yes | Yes | Some programs |
| Discounts | Autopay + loyalty | Autopay only | Relationship pricing | Autopay only |
How to apply for private student loans from Apex Lend
Enter your info
Start online with your school, degree, loan amount, and any cosigner information you want to include.
Review rates and terms
Compare available repayment options and choose the structure that best fits your monthly budget.
Finalize school certification
Once approved, your school verifies enrollment and the funds are scheduled directly through the certification process.
View Your Rate
Need help now? Call (747) 200-5228 and our team can walk through the process with you.
Student loan eligibility requirements
Borrowers typically need to be pursuing a bachelor’s degree or higher, meet credit standards, and attend an eligible school or program.
When you can apply
Application windows usually open well before fall, spring, and summer terms so funding can align with each school calendar.
Understanding student loans: tools, tips, resources, and more.
Learn how to budget for school, compare repayment strategies, and build a borrowing plan before tuition deadlines hit.
Visit Resource CenterFAQs
A private student loan helps fill the gap between financial aid and the full school-certified cost of attendance. It can be used for tuition, housing, books, and other approved expenses.
Borrowing limits depend on your school-certified cost of attendance, your existing aid, credit profile, and whether a cosigner is included.
Not always, but many students improve approval odds and pricing by applying with a cosigner who has stronger credit and income history.
Common term options include 5, 7, 10, and 15 years, with deferred, interest-only, or fixed in-school payment structures.
Fixed rates stay consistent across the loan term. Variable rates can rise or fall with the market, which affects future payments and lifetime cost.
Yes, private student loans may cover approved education expenses such as room and board, books, technology, supplies, transportation, and tuition.
Rate checks can happen in minutes, but school certification and final disbursement timing often depend on each campus and the time of year.
Many student loan programs offer autopay discounts, loyalty pricing for repeat borrowers, or relationship-based savings.
Important Note
Review borrowing details before you finalize funding.
Rates, discounts, and approval depend on eligibility, credit history, income, school certification, and other underwriting factors. Any estimates shown here are illustrative only and do not represent a commitment to lend.
Review repayment terms, deferment conditions, and program-specific limitations carefully so your school financing plan matches your real budget and timeline.