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  • Variable Rates: 5.99% APR - 16.33% APR. Fixed Rates: 4.50% APR - 14.83% APR. Lowest rates shown include 0.25% interest rate discount with auto debit payments.1
  • Apply online in minutes and receive an instant credit result2
  • Multiple repayment options from in-school payments to deferred.1 No origination fee or prepayment penalty3
  • Last year, students were 3x more likely to be approved with a cosigner4 and it may help you get a better rate.
  • Borrow up to 100% of school-certified expenses, whether you're online or on campus5
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  • Fixed rates: 5.49% APR - 15.99% APR*; variable rates: 6.12% APR - 16.97% 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. Period.
  • Apply in minutes.
  • Hard work pays off. Literally. 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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  • AFFORDABLE variable rates starting at 6.16% APR with Automatic Debit Discount*
  • 1% CASH BACK Graduation Reward*
  • NON-COSIGNED option may be available for eligible undergraduate juniors and seniors.
  • PAY AFTER LEAVING SCHOOL – Customize your loan with flexible repayment options – start payments after graduation.
  • FORGET FEES – No application, origination or disbursement fees. No prepayment penalty if you choose to pay your loan off early.
  • COVER UP TO 100% of your tuition and eligible living expenses.
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  • MUST BE a US citizen or permanent resident
  • MUST BE a college junior, college senior, or grad student
  • No co-signer required
  • Get approved in minutes. Pre-qualify without affecting your credit score
  • Income-based repayment with built-in protections, like deferred payments if you lose your job
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