Undergraduate Student Loan

We all know the importance of higher education and earning a college degree. Investment in higher education could yield high returns – for you career, your future, and your overall financial wellness.

And just like most, the path to higher education is not without a student loan. A student loan provides you the peace of mind that your education is paid for while you work toward getting your degree.

Ardent Undergraduate Private Education Line-of-Credit

  • Variable rates
  • Flexible repayment and in-school deferment options
  • Easy online application and instant credit decision
  • Convenient line of credit structure allows you to get funding for your entire undergraduate career with just one application

Apply Today

*The APR for our undergraduate private education line-of-credit is variable and is based on the Prime index, plus a margin. The margin rate currently ranges between 3.00% and 5.00%, depending on the borrower’s or co-borrower's credit score at the time of application. The 'floor' rate for the loan will be 6.00%, meaning that your interest rate will never fall below this 'floor' rate.

Rates effective starting: 01.29.23
Product APR1 Maximum term Monthly Cost
(per $1,000)
Student Loan (Undergraduate) As low as 8.50%2
Student Loan Refinance (Variable) 4.74% - 7.24% 5 years $18.83 – $20.03
Student Loan Refinance (Variable) 5.89% - 8.39% 10 years $11.11 – $12.43
Student Loan Refinance (Variable) 6.14% - 8.64% 15 years $8.57 – $10.00
Student Loan Refinance (Fixed) 3.74% - 6.74% 5 years $18.36 – $19.79
Student Loan Refinance (Fixed) 4.89% -7.39% 10 years $10.60 – $11.89
Student Loan Refinance (Fixed) 5.14% - 7.64% 15 years $8.02 – $9.41