AAA Advantage Student Loan


AAA Advantage Student Loan

The AAA Advantage Student Loan is a private student loan that could help pay for college. Whether you are enrolled in an undergraduate, graduate or graduate certificate program, you worked hard to get into college, let us help you pay for it.

Applying for a student loan can seem complicated. AAA eliminates the confusion by offering lending products with features and benefits that are plain and honest.

Summer Savings! Get a 0.50% interest rate reduction on a AAA Advantage Student Loan when you apply by 7/31/25*

apply today Prequalify Now

If you applied before June 10, 2025, use this link to log in to your AAA Advantage Student Loan Application. If you applied on or after June 10, 2025, use this link to log into your AAA Advantage Student Loan Application. Or if you prefer to speak with a Customer Service Representative call (800) 513-1464.

Student Loan Rates

Variable Rate Loan Details

AAA Advantage Student Loan

Fixed Rate Loan Details

AAA Advantage Student Loan

More Information

Borrower Benefits:

 
  • 0.50% interest rate reduction during the Summer Savings Event*
  • 3.00% principal reduction with proof of graduation for AAA members4
  • 0.25% interest rate reduction for customers who elect auto pay6
  • Cosigner release option available after making 12 consecutive on-time principal and interest payments9
  • Returning Borrower10 Advantage - Returning borrowers will have income verification waived11

Loan Limits:

 
  • Minimum loan amount: $1,0005
  • Annual borrowing limit: up to the school certified cost of attendance less aid5
  • Aggregate student loan limit (total amount of private and federal student loan debt allowable): $225,0005

Eligibility:

 
  • Available to students enrolled full-time or part-time 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 record of a recent bankruptcy. 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, may be asked to provide proof of income.
  • The student must be the legal age of majority12 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. Permanent residents of West Virginia are not eligible to apply.
  • The student must be a U.S. citizen, permanent resident alien, or Eligible Non-Citizen (DACA recipient) applying with an eligible cosigner who is a U.S. citizen or permanent resident alien or an international student applying with an eligible cosigner who is a U.S. citizen or permanent resident alien.

Product Features:

 
  • Product Features:
    • Find your rate in minutes without impacting your credit score1
    • Choice of competitive fixed or variable interest rates
    • No fees
    • Multiple repayment terms to choose from: 5, 7, 10, 15 or 20 years7
    • Multiple repayment options available7:
      • full deferment
      • interest only
      • flat payment ($25/month)
      • immediate repayment
  • In-School Default Protection: If you elect to make interest only or flat payments while in-school but fall short, In-School Default Protection will save you from default by automatically switching you to a deferred repayment program.8

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