RISLA Refinancing Loan

Financial RISLA Refinancing Loan
Loan Refinance Application

AAA Refinancing Loan

Offered by RISLA

AAA Northeast has partnered with the RISLA to offer members who live in any state a student loan refinancing program to help make repaying your education loans easier.

AAA encourages prospective borrowers to review the benefits of any federal student loans you may wish to refinance. Federal student loans provide certain benefits that are unavailable with private student loans.

Benefits of the AAA Refinancing Loan:

  • Fixed rates as low as 3.49% (with automatic payments) for AAA members.
  • Receive a 0.25% interest rate reduction for making monthly payments by auto-debit.
  • When you refinance with RISLA, you will only have one monthly payment to make on all of your combined education loans each month.
  • No prepayment penalties.
  • Instant credit decision.
  • Interest you pay on this loan may be tax deductible. Consult your tax advisor.
  • Members from any state can apply for this opportunity.

Current Interest Rates

All rates listed below reflect a 0.25% discount for enrolling in automatic electronic payments. 


5 Year

10 Year

15 Year


with auto-pay





with auto-pay




Number of Payments




Upfront Fees




Monthly Payment Amount

based on $10,000 loan




Total Interest Charges

based on $10,000 loan




*Rates are subject to change at any time. The rate you will receive will be based on the term of the loan, if the loan is cosigned, your credit score, your cosigner's credit score (if applicable) and other factors. Not all borrowers qualify for the lowest advertised rate. The Annual Percentage Rate (APR) reflects the accruing interest, the effect of capitalized interest, and making equal payments over the term of the loan. Minimum monthly payment is $50.00.  Loan enters repayment at final disbursement. First payment will be due approximately 30 days after the loan is disbursed. View application disclosure.

Borrowing limits range from $100,000 - $250,000 and are based on the highest degree earned of the student who benefitted from the loan proceeds. To be eligible for the highest borrowing amounts, primary borrower on loan must be the student who benefitted from the loan proceeds.

Loans are made by the Rhode Island Student Loan Authority (RISLA). Each repayment option is subject to fund availability and is awarded on a first-come, first-served basis. New funds may be subject to different rates and/or terms.