Discover® Certified Private Loans
With a Certified Private Loan from Discover Student Loans, you can supplement your other sources of financial aid, including scholarships and federal student loans, giving you the flexibility to cover up to 100% of your college expenses. You can pay for tuition, housing, books, supplies, and more. Apply today!
Loan options are available for both undergraduate and graduate students.
Apply With a Co-signer
While not required, we strongly encourage undergraduate students to apply with a creditworthy co-signer if they may have difficulty qualifying for a loan due to limited income and credit history. This may increase an applicant's chances of approval and of possibly obtaining a better interest rate.
Apply for Your Discover Certified Private Loan »
Discover Undergraduate Loan
This private student loan is for undergraduate students in 4- or 5-year degree programs and can cover up to 100% of tuition, housing, books and more. Apply today!
Benefits
- Competitive fixed or variable interest rates
- Zero origination fees
- No payments required while in school at least half-time
- 0.25% Auto Debit Reward (when you enroll for auto debit payments during repayment)
- 6-month grace period
- 2% Graduation Reward (on variable interest rate loans only)
Services
- Apply online or by phone in a few minutes
- Our knowledgeable Student Loan Specialists are ready to assist you 24/7
- Tools and information at DiscoverStudentLoans.com to help students and parents through each step of the process — from exploring financial aid to repaying student loans
We encourage you to borrow responsibly and maximize grants, scholarships and other free financial aid before taking student loans. Please consider federal loans before applying for a private loan.
Eligibility
- You must be enrolled at least half-time in a 4- or 5-year undergraduate program at an eligible school and seeking a degree.
- You must make satisfactory academic progress as defined by your school.
- You must be a US citizen, permanent resident or international student with a Social Security number.
- You must be 16 years or older at the time you apply and you must pass a credit check.
Apply for Your Discover Certified Private Loan »
Discover Graduate Loan
This private student loan is for graduate students, including masters and doctoral degree candidates and can cover up to 100% of tuition, housing, books and more. Apply today!
Benefits
- Competitive fixed or variable interest rates
- Zero origination fees
- No payments required while in school at least half-time
- 0.25% Auto Debit Reward (when you enroll for auto debit payments during repayment)
- 9-month grace period
- 2% Graduation Reward (on variable interest rate loans only)
Services
- Apply online or by phone in a few minutes
- Our knowledgeable Student Loan Specialists are ready to assist you 24/7
- Tools and information at DiscoverStudentLoans.com to help students and parents through each step of the process — from exploring financial aid to repaying student loans
We encourage you to borrow responsibly and maximize grants, scholarships and other free financial aid before taking student loans. Please consider federal loans before applying for a private loan.
Eligibility
- You must be enrolled at least half-time in a graduate program at an eligible school and seeking a degree.
- You must make satisfactory academic progress as defined by your school.
- You must be a US citizen, permanent resident or international student with a Social Security number.
- You must be 16 years or older at the time you apply and you must pass a credit check.
