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.

LOWER RATES - MORE BENEFITS

Great Rates. Great Service. Great Reputation.

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  • Multi-Year Solution

  • Zero Up-Front Fees

  • Reward Programs

  • Income-Based Repayment

  • Repayment Flexibility

  • Borrower Protections

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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.

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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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
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2023 SUMMER LOANS

Begin your application for a summer education loan today.

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WIN A $2,000 SCHOLARSHIP

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

ENTER TO WIN!
SCHOLARSHIPS FOR COLLEGE

FEDERAL UPDATE

IMPORTANT INFORMATION FOR FEDERAL STUDENT LOANS

As a State-based, non-profit private lender, RISLA loans are not eligible for the recently announced federal student loan forgiveness or updated COVID-19 loan payment pause program.  To learn more about the Biden Administration's federal student loan forgiveness or COVID-19 student loan payment pause program please click on the links below.

STUDENT DEBT RELIEF PLAN
ONE-TIME DEBT RELIEF
PAUSE PAYMENT EXTENDED
INCOME DRIVEN ACCOUNT ADJUSTMENT
PROTECT YOURSELF FROM SCAMS
UPDATES TO FEDERAL STUDENT LOAN FORGIVENESS

WHAT CUSTOMERS SAY ABOUT RISLA

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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.