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HURRICANE RELIEF FOR RISLA BORROWERS

For those impacted by Hurricane Helene and/or Milton, RISLA offers a natural disaster deferment to assist during this time of hardship. Please contact RISLA for more information and to request a deferment.

CONTACT US >

Compare and Save on Your Student Loans

Low rates, great benefits, and highly rated service.
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Student Loans

Easy and fast application process. Apply today!

Requesting a rate will not impact your credit score.

Fixed Rates Starting at

3.85% APR1,2

with immediate repayment & auto-pay

©2017-2024 and TM, NerdWallet, Inc. All Rights Reserved.

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Student Loan Refinancing

Why pay back more than you have to?

Requesting a rate will not impact your credit score.

Fixed Rates Starting at

6.34% APR3

with immediate repayment & auto-pay

©2017-2024 and TM, NerdWallet, Inc. All Rights Reserved.

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Preparing, Planning, and Paying for Your Education Journey

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Who we are.

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Student Loans

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Parent Loans

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Certificate Student Loans

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Refinance Student Loans

Helping Students Nationwide.

RISLA's non-profit education loan programs provide low fixed interest rates for students to borrow responsibly in all 50 states and Washington, DC. Investing in your education is a crucial step in securing a bright future. At RISLA, we understand the importance of responsible borrowing and are here to help make your dreams a reality. 

Undergraduate Student Loans
  • Our undergraduate loans can cover up to the full cost of attendance, up to 100%.
  • Flexible repayment options that are suitable for your monthly budget.
  • You can apply and receive an instant credit decision in just a few minutes.
LEARN MORE >
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Parent Loans
  • This is another option available besides the Federal PLUS loan.
  • There are no origination fees, which means you can save from the very beginning.
  • Your student is not obligated for repayment on this loan.
  • The repayment of this loan will commence 30 days after the disbursement of funds.
LEARN MORE >
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Certificate Student Loans
  • Our certificate loans can cover up to the full cost of attendance, up to 100%.
  • Flexible repayment options that are suitable for your monthly budget.
  • You can apply and receive an instant credit decision in just a few minutes.
LEARN MORE >
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Refinance Student Loans
  • Our student loan refinancing options are designed to reduce your monthly payments and ease the burden of student loan debt.
  • With fixed interest rates, no application or origination fees, and lower interest rates when you sign up for auto-pay, our refinancing options are tailored to meet your needs.
  • Don't let student loan debt stress you out any longer. Choose RISLA and start saving today!
LEARN MORE >
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RISLA Scholarship Hub

Helping parents & students pay for college.

Did you know college scholarships are free money to help pay for college expenses? Well, it's true! And the RISLA Scholarship Hub is here to help students and parents find extra funds to help pay for college.

💸 The best kind of funds . . . the kind you don't have to pay back! 

CHECK IT OUT >
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Enter to Win!

Knowledge for College Scholarship

Check out Knowledge for College Scholarship! We award $2,000 each to four deserving students every month. Whether you need help covering tuition, books, or living expenses, our scholarship can help ease the burden.

🤩 Take your chance to win - enter every month for your prize!

ENTER TO WIN TODAY >
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rischolarsgips.org

A free scholarship search tool!

Discover an abundance of local scholarships waiting for you. The search is fast and simple, making it effortless to find your perfect match!

START YOUR SEARCH >

    We are with you for the journey.

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    College Planning

    A free service aimed at helping students achieve their goal of attending college and paying for it. The CPC assists thousands of students and families each year in planning for higher education.

    LEARN MORE >
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    Scholarship Hub

    Check out how to prepare for college—access free tools and resources.  Find local scholarships for college, and parents and students can enter to win $2,000 in college scholarships!

    LEARN MORE >
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    Student Loans

    Our student loans offer flexible repayment options, competitive interest rates, and a simple application process, making them an ideal choice for parents and students.

    LEARN MORE >
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    Refinancing

    With our refinancing options, you can enjoy the benefits of low fixed interest rates, no fees, and an auto-pay discount. Take advantage of this opportunity to save money and simplify your finances. 

    LEARN MORE >
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    We are here for you.
    Let's get started.
    APPLY NOW >

    What customers are saying about RISLA

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    Trustpilot
    Fixed-Rate Student Loan  | Immediate Refinance Disclosure

    1. STUDENT LOAN ANNUAL PERCENTAGE RATE (APR) - IMMEDIATE REPAY: The Annual Percentage Rate (APR) reflects the estimated total cost of the loan, including origination fees ($0), accruing interest, and the effect of capitalized interest. Interest begins accruing after each loan disbursement. The rate shown includes the 0.25% interest rate reduction for using the auto-pay feature and RI Advantage Discount.

    2. RI ADVANTAGE DISCOUNT: applies to any Rhode Island resident students attending school in any state or non-Rhode Island resident students attending a school in Rhode Island.

    3.  REFINANCE LOAN: Reflects the estimated total cost of the loan, including upfront fees ($0), accruing interest, and the effect of capitalized interest ($0). Interest begins accruing after each loan disbursement. Rates shown include the 0.25% interest rate reduction for using the auto-pay feature. If the monthly payment is calculated to be less than $50 per month for the full term, the lowest payment is $50 per month with the term reduced. Not all borrowers qualify for the lowest rate. The rate you will receive (ranging from 6.34% – 8.29% APR with auto-pay) is based on the term of the loan, if the loan is cosigned (which lowers your rate), if you are a Rhode Island resident (which lowers your rate), your credit score & financial history, your cosigner's credit score (if applicable), and other factors. The rate shown is for a 5-year term. The first payment will be due approximately 30 days after the loan is completely disbursed. The rates and terms disclosed above are available while funds last. New funds may be subject to different rates and/or terms.