PREPARING

PLANNING

& PAYING

 For Your Education Journey 

COMING SOON

New Student Loan Rates For 2022/23

 

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PREPARING, PLANNING & PAYING

FOR YOUR EDUCATION JOURNEY.
NOW AVAILABLE
New Student Loan Rates for 2022-2023
CHECK OUT OUR NEW RATES!
10-YEAR

For Students

IMMEDIATE REPAYMENT

4.99%1

WITH RI ADVANTAGE2 & AUTO-PAY

4.99% APR3

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15-YEAR

For Students

DEFERRED REPAYMENT

6.74%

WITH RI ADVANTAGE & AUTO-PAY

6.49% APR

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10-YEAR

For Parents

IMMEDIATE REPAYMENT

6.34%

WITH AUTO-PAY

6.34% APR

 

 

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2021/22 SUMMER LOANS

Start your application for your summer education loan today.

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WHO WE ARE

RISLA been providing students and families with assistance to responsibly obtain  financing to help make post-secondary education more accessible and affordable for over 29 years.  RISLA is a non-profit agency offering, college planning services,  low cost student loans, scholarships, and student refinancing options to students and families nationwide.

We are with you every step of the way on your education journey.

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COLLEGE PLANNING
CENTER

Free service for parents and students to plan, prepare and pay for higher education.

 

 

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EDUCATION
LOANS

We offer low cost, fixed rate education loans for students and parents nationwide.

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REFINANCE
STUDENT LOANS

If you are in-school, a former student, or a parent, we offer low fixed rate refinance options.

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EMPLOYER
REPAY

A tax-free benefit for employers to contribute to the repayment of employee student loans.

NATIONAL RECOGNITION

Forbes Advisor ranked RISLA as having one of the best education loan programs in the country. Recognizing that for twenty-eight (28) years RISLA’s fixed rate education loan programs are among the most affordable of any in the nation.

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SCHOLARSHIP OPPORTUNITIES

RISLA has two great opportunities for students seeking scholarships to help pay for college.

  • Our Knowledge For College Scholarship awards 4 - $2,000 college scholarships each month.  Visit our Knowledge for College Scholarship page to learn more and enter today!
  • RIScholarships.org is a free scholarship online tool to search through hundreds of hard-to-find local scholarships. Visit RIScholarships.org today to see if there is a good scholarship match for you.
START SEARCHING

WHAT CUSTOMERS SAY ABOUT RISLA

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Application Disclosures | Fixed Rate Student Loan  |  Parent Loan
TERMS & CONDITIONS

1. INTEREST RATES: Rates are for loans first disbursed on or after July 1, 2022 for the 2022/23 academic year and include 0.25% reduction for making automatic monthly payments (auto-pay feature). Each repayment option is subject to funds availability. Funds will be awarded on a first-come, first-served basis. The rates and terms disclosed above are available while funds last. New funds may be subject to different rates and/or terms. 

2. RHODE ISLAND ADVANTAGE applies to any Rhode Island Students attending school in any state or Non-Rhode Island Students attending a school in Rhode Island who select an Immediate or Deferred Repayment loan.

3. APR: 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.  Rate shown includes 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.

2021 Award from Forbes Advisor, ©2021 Forbes Marketplace Operations, Inc.