AAA Advantage Student Loan

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AAA Advantage Student Loan

The AAA Advantage Student Loan is a private student loan that could help pay for college. You worked hard to get into college, let us help you pay for it.

Returning undergraduate student borrowers, rest easier knowing you’re more likely to be approved. Returning undergraduate student borrowers had a 93% recent approval rate when applying the following year for a subsequent AAA Advantage Student Loan with a cosigner.¹

Curious what rate you qualify for? Prequalify⁶ by clicking the button below with no effect to your credit score.

apply today Prequalify Now

Log into your existing student loan application, apply for a new student loan, or to speak with a student lending specialist call (888) 422-2536.

Variable Rate Loan Details

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AAA Advantage Student Loan

Fixed Rate Loan Details

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AAA Advantage Student Loan

Product Features:

Prequalify⁶ - Check your rate in minutes without impacting your credit score
Choice of competitive fixed or variable interest rates
Multiple repayment terms to choose from: 7, 10 or 15 years⁷
Multiple repayment options available⁸:
- full deferment
- interest only
- flat payment
- immediate repayment
No fees

Borrower Benefits:

3.00% principal reduction with proof of graduation for AAA members⁴
0.25% interest rate reduction for customers who elect auto pay⁹
0.25% interest rate reduction for consistently making on-time payments¹⁰
Cosigner release option available after making 36 consecutive on-time payments¹¹
Returning Borrower¹² Advantage - Returning borrowers will have their new application pre-filled and income verification waived¹³

Loan Limits:

Minimum loan amount: $1,000⁵
Annual borrowing limit: lesser of the cost of attendance less aid or the requested amount, not to exceed $99,999⁵
Aggregate student loan limit (total amount of private and federal student loan debt allowable): $180,000⁵

Eligibility:

The student must be enrolled at an approved school in a degree-granting program.
The student, and, if applicable, the cosigner, must have a good credit history with no student loan defaults or bankruptcies. Students with no credit history, or without a substantial credit history, may qualify with a creditworthy cosigner. Students applying on their own, or cosigners on a cosigned application, must provide proof of income.
The student must be the legal age of majority¹⁴ at the time of application or at least 17 years of age if applying with a cosigner who meets the age of majority requirements in the cosigner’s state of residence.
The student must be a U.S. citizen, permanent resident alien, or an Eligible Non-Citizen (DACA resident) applying with an eligible cosigner who is a U.S. citizen or permanent resident alien.