Student Loan Refinancing
A Better Way to Repay Student Loans
Rewards and Benefits:
- Low Fixed Rates
- No Origination Fees
- Flexible Terms
- Income-Based Repayment
Rates Starting As Low As
2.69% APR1
with auto-pay
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Affordable Education Loans

Education Loans

Your future is our future. As  a non-profit, it’s our goal to help you borrow responsibly and save on college costs. 
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College Planning Center

College Planning

An education is the most powerful tool you can own. Learn how to plan and pay for the education of your dreams.
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Employer Repayment

Employer Repayment Assistance

Employer repayment assistance of student loans is a great way to attract and retain top talent at your company!

Customer service, the old fashioned way

Our College Planning Center is available for one-on-one college planning advice. RISLA can help finance your college education, and you will receive top notch customer service.

Terms & Conditions

1) The Annual Percentage Rate (APR) 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 monthly payment is calculated to be less than $50 per month for full term, lowest payment is $50 per month with term reduced. Not all borrowers qualify for the lowest rate. The rate you will receive (ranging from 2.69 – 5.54% APR with auto-pay) is based on the term of the loan, if the loan is cosigned (which lowers your rate), your credit score & financial history, your cosigner's credit score (if applicable), and other factors. Rate shown is for 5-year term. First payment will be due approximately 30 days after the loan is disbursed. View application disclosure. The rates and terms disclosed above are available while funds last. New funds may be subject to different rates and/or terms. 

Note: Cosigner release is not available for refinance loans.