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                    Variable Rates xxx - xxx APR

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                    Retrieve Your Application Cosign an Application

                    Learn more about your options as a cosigner

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                    Student Loans

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                    For college students seeking undergraduate degrees

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                    For graduate students in health profession programs

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                    PARENT

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                    CONSOLIDATION

                    Student Loans

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                    For consolidating your federal and private student loans

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                    Up to 100% Covered

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                    Zero Fees Required

                    That means you will not be required to pay loan 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.

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                    DISCOVER Sallie Mae Wells Fargo
                    Rewards for good grades yes no no
                    Cover up to 100% of school-certified costs – aggregate loan limits apply yes yes yes
                    Zero fees yes no yes
                    Choose between in-school or deferred repayment options yes yes no
                    Student Loan Specialists available anytime 24/7 yes no no
                    Apply in as little as 15 minutes or less yes yes yes
                    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 June 2024. Students who get at least a 3.0 GPA (or equivalent) may qualify for a one-time cash reward on each new Discover undergraduate and graduate student loan. Plus, undergraduate freshman borrowers who received at least a 3.0 GPA (or equivalent) during high school may qualify for an additional cash reward on their first undergraduate student loan. Limitations apply. See Terms and Conditions for complete details.

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                    Previous Slide
                    ACT vs. SAT: What's the Difference?
                    College Applications

                    ACT vs. SAT: What's the Difference?


                    Understand the differences between the ACT vs SAT and get help on which you should take. Knowing the differences can help you be better prepared.

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                    College Loans

                    Understanding Student Loan Interest Rates


                    Understanding student loan rates are important when evaluating student loans. Learn about differences between fixed interest rates and variable interest rates.

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                    Financial Aid

                    The Award Letter


                    An award letter is sent from the schools where you have been accepted and details how much financial aid you will receive.

                    EFC - Expected Family Contribution - Financial Aid
                    Financial Aid

                    What is the Expected Family Contribution (EFC)?


                    Learn how the Expected Family Contribution (EFC), a number schools use to calculate how much financial aid you may be eligible to receive, is calculated.

                    The CSS Profile
                    Financial Aid

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                    How Do I Report Multiple Students on the FAFSA?
                    Financial Aid

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                    Do you have questions about including more than one student on the FAFSA? Here are some tips about how to report all of your family's college students.

                    3-ways-to-manage-school-life
                    College Tips

                    Create the Dorm Room You Love on a Budget


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                    4 Things to Consider Before You Accept That Scholarship
                    Scholarships

                    4 Things to Consider Before You Accept That Scholarship


                    Scholarships typically have some sort of requirements to meet, but how do you know when to say no? Learn how to tell when a scholarship has strings attached.

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                    Find College Scholarships

                    Student Loan Calculators

                    Information for Schools

                    Compare Federal and Private Student Loans

                    Discover Student Loans believes in responsible borrowing and encourages students to maximize scholarships, grants and other free financial aid before taking private loans. For students who need to borrow, we advise them to compare federal and private student loans to find the loans that best fit their needs.

                    1. 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 X as of X. 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.

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