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Undergraduate Student Loans.

Undergraduate
Student Loans.

Private student loans bridge the gap in financing your education.
GradBridge helps students like you stay on track to graduation with our second look loan.

Apply Now

Undergraduate

Student Loans.

GradBridge Student loans cover up to your full cost of attendance. Apply now through our simple application and get your decision in minutes.

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Academic Progression

GradBridge supports undergraduate students that are juniors or greater as certified by your school

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Degree Seeking

GradBridge offers loans to undergraduate students pursuing a four-year degree, such as a Bachelor’s Degree (no Associates Degree or Certificate programs)

Pick the type of interest rate that’s

Best For You.

Your interest rate is the amount you’re charged for borrowing money. The rate you are given is based on your creditworthiness. 
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GradBridge offers both fixed and variable interest rates so you can decide what is best for you.

Variable Interest Rates

17.57%-22.26% APR 2-3

Rates shown include the auto debit discount.

 

Things to consider:

  • Your interest rate may go up or down over time as the loan’s index changes.
  • Changes in the financial markets may cause the index to rise or fall.
  • Your monthly payments will change based on the index change.

Fixed Interest Rates​

18%-22.78% APR 2-3

Rates shown include the auto debit discount.

 

Things to consider:

  • Your interest rate does not change over the life of your loan.
  • You will have the same payment over time.
  • You will keep the same rate whether future rates go up or down.

Bachelor’s degree holders earn approximately $1 million more in lifetime earnings compared to those with just a high school diploma. 5

Education pays. GradBridge helps you finish.

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Choose the repayment type that works best for you

While in School.

Pay During School

No In-School Payments

Interest Payments​

You pay your interest each month while in school to lower the overall cost of your loan.

$25 Fixed Payment

You pay a $25 monthly payment while you are in school . This helps lower your total loan cost by paying some of the interest on your loan while in school. 4

No In-School Payments

Deferred​

You don’t make payments while in school.  The interest charged accrues on your loan and your total cost of your loan will be higher. 

Cosigners

Cosigner can help improve your chances of being approved and getting the money you need for college.

  • Most students don’t have the credit history to take out a loan by themselves.
  • Most private student loans are cosigned. 
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1- GradBridge loans are second-look private student loans and are not affiliated with the federal student loan program. As such, they do not offer the same repayment benefits that may be available with federal loans. GradBridge loans are for students currently enrolled at a participating school. The minimum loan amount is $5,000. All loans will be certified by the school.

2- The APR for the lowest advertised rate assumes a $10,000 loan, with a 10- year term and 30 months in school, with no payment while in school, a 5% originations fee and a .25% ACH discount applied. The APR for the highest interest rate assumes a $10,000 loan, with a 10- year term and 30 months in school with an Interest Only payments while in school, a 5% originations fee and a .25% ACH discount applied.

3- Variable rates may increase or decrease over time based on the 30-day Average Secured Overnight Finance Rate (SOFR as of 6/25/2025) index rounded to the nearest eighth of a percent. Fixed rates will remain constant and will not change over time. Actual rates and repayment terms may vary based on creditworthiness and other factors. The GradBridge 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. Autopay is not required to receive a loan from GradBridge.

4- Repayment Options: While in school, applicants may choose one of the following repayment options (i) Interest-Only: Pay only the interest each month to reduce total loan cost; (ii) $25 Fixed Payments: Pay $25 per month to help lower accrued interest; or (iii) No Payment: Make no payments while in school, interest accrues and is added to the loan balance. Each choice impacts the total loan cost. (iv) For the $25 repayment example, assume a $10,000 loan with an APR of 18.97%, a 5% originations fee, and a .25% ACH discount applied and 10-year term. The loan
will have 30 months of in school payments of $25, followed by 120 months of principal and interest payments of $247.46.

5- Source: Based on data from Education Data, report on College Dropout Rates https://educationdata.org/college-dropout-rates as of June 9,2025