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The Everything You Need Student Loan

Don't settle for less. Get everything you need with your student loan—low interest rates, incredible benefits, and great customer service. RISLA offers an outstanding five-star experience and has streamlined the application process to support you every step of the way.  Learn more.

Fixed Rates Starting at

4.49% APR1,2

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Student Loan Refinancing

Refinancing can help you save during repayment.  Learn more.

  • Low-Interest Rates
  • Fast & Easy Application 
  • No Fees    
  • Borrower Protections 
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Preparing, Planning, and Paying for Your Education Journey

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. 

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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 lucky 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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rischolarships.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 >

    What customers are saying about RISLA

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    Trustpilot

    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 >
    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. The rate shown includes the 0.25%  interest rate reductions 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 3.99% – 8.04% 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 or for qualified loans for attending a college or university in Rhode Island (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, with a cosigner. 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.