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  • Fixed rates: 5.49% APR - 15.99% APR*; variable rates: 4.74% APR - 15.59% APR*    
  • Borrow up to 100% of school-certified costs, including tuition, housing, books and more. Aggregate loan limits apply.
  • Choice of fixed or variable interest rate.
  • No fees. No application, origination or late fees.
  • Apply in minutes.
  • Got good grades? Get paid. You can qualify for a one-time cash reward on each new Discover student loan if you get at least a 3.0 GPA (or equivalent) in college or graduate school.**
  • 0.25% interest rate reduction while enrolled in automatic payments.***
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  • Check your eligibility in just 2 minutes
  • Flexible repayment options you can choose from
  • No fees for origination, disbursement, prepayment, or late payment3
  • Skip a payment once per year (once repayment period restarted)4
  • Will cover up to 100% of the school's certified cost of attendance
  • 9-month grace period (3 months more than most lenders)2
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  • Variable Rates: Starting variable rates range from 4.49% APR - 13.88% APR (with autopay)*, and will never exceed 13.95% (sometimes lower in certain states as required by law)
  • Fixed Rates: Fixed rates range from 4.99% APR to 14.83% APR (with autopay)*
  • Easy online application!
  • No origination fees, late fees, and no insufficient fund fees. Period
  • Up to four repayment types (including no payments while in school) and multiple repayment terms help you find the loan that fits your budget
  • 0.25% discount when you set up autopay*
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  • Variable rates as low as 3.89% APR1; Fixed rates as low as 3.49% APR1
  • Rates include 0.50% automated payment discount1, 2
  • Displayed rates are for well-qualified applicants who choose the immediate repayment option at a 5-year term1
  • 5, 10 or 15-year repayment terms available (rates may vary)1
  • No application fees or origination fees.
  • An easy student loan application with a preliminary decision in minutes.
  • Cosigner Release option available.3
  • Get the money you need for tuition, room and board, books and other expenses.
  • Applying with a creditworthy cosigner may increase chances of approval.
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