PREPARING, PLANNING & PAYING

FOR YOUR EDUCATION JOURNEY.

LOWER RATES - MORE BENEFITS

Great Rates. Great Service. Great Reputation.

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GET MY RATE

  • Multi-Year Solution

  • Zero Fees

  • Reward Programs

  • Income-Based Repayment

  • Repayment Flexibility

  • Borrower Protections

  • LEARN MORE

WHO WE ARE

RISLA has been providing students and families with assistance to responsibly obtain financing to help make post-secondary education more accessible and affordable for over 40 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.

IMPORTANT UPDATE

FOR FEDERAL  STUDENT LOANS

As a state-based non-profit private lender, RISLA loans are not eligible for any federal student loan forgiveness.  To learn more about the plan for federal student loan relief or any details of your federal loans, please contact your federal loan servicer and/or click on the links below

RETURN TO REPAYMENT FACT SHEET
FEDERAL STUDENT LOAN ONE-TIME DEBT RELIEF
FACT SHEET: NEW ACTION FOR DEBT RELIEF
PUBLIC SERVICE HELP TOOL
PUBLIC SERVICE LOAN FORGIVENESS

Learn More
INCOME-DRIVEN REPAYMENT PLAN

Learn More
FIND MY LOAN SERVICER

Learn More
SAVE REPAYMENT PLAN

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GET READY FOR STUDENT LOAN REPAYMENT

Learn More

NATIONAL RECOGNITION

RISLA IN THE NEWS

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INVESTOPEDIA
Best Nursing Student Loans
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U.S. NEWS
Best Student Lender List
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MONEY.COM
Best Borrower Protections
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YAHOO
Fast Co-Signer Release
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FORBES ADVISOR
Best Private Student Loans
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NERDWALLET
17 Best Student Loans

WIN A $2,000 SCHOLARSHIP

RISLA IS GIVING AWAY $2,000 COLLEGE SCHOLARSHIPS TO STUDENTS

ENTER TO WIN!
SCHOLARSHIPS FOR COLLEGE

WHAT CUSTOMERS SAY ABOUT RISLA

TRUSTPILOT_LOGO

Trustpilot

1. INTEREST RATES: Rates are for loans first disbursed on or after July 1, 2023, for the 2023/24 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. 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.  The rate shown includes the 0.25% interest rate reduction for using the auto-pay feature. If a monthly payment is calculated to be less than $50 per month for full term, the lowest payment is $50 per month with term reduced.

3. RHODE ISLAND ADVANTAGE: applies to any Rhode Island resident students attending school, in any state, or Non-Rhode Island resident students attending a school in Rhode Island.