Enter For a Chance to Win a $1,000 Scholarship†
Our rates are low.
But there’s more to it.
Opting for a fixed rate means the rate won’t change for the life of your loan.5 Remember, your actual rate will depend on your, or your cosigner’s, if applicable, credit. Applying with a creditworthy cosigner may result in a lower interest rate.
*Comparisons based on competitors’ websites (as of 5/20/25).
Lowest Annual Percentage Rates include a 0.25% discount when auto pay is elected.17
No Fees
No application fees, origination fees, late payment fees, forbearance fees, or fees to pay by debit card.
2% Grad Reward8
Upon request after graduating, reduce your principal balance by 2% of your net disbursed loan amount.
Fast-Track Your Rate Reduction
For every six months of on-time principal and interest payments, Abe lowers your rate by 0.05%— for a total reduction of up to 0.25%.9 Unlike other providers that require you to make years of payments first,* Abe lets you start to lower your rate (and build a good credit history) much sooner.
5, 7, 10, 15, or 20 Years3
The term, or duration, impacts both the cost of a loan and your monthly payment amount. The longer the loan, the more interest you’ll pay but the lower your monthly cost. Abe has five terms— giving you more options for weighing the length/cost of your loan against a monthly payment you’re comfortable making.
6 Payment Relief Options
Abe is there for you with six different payment relief options that let you defer payments when the unexpected happens. For example, you may enroll in a medical internship or residency10 or it may take longer for you to get on your financial feet after you graduate. You can also defer payments if you lose your job13 or suffer a serious illness.14
Early Cosigner Release15
Abe recognizes the shared commitment you and your cosigner made when taking out your student loan. That’s why, after just 12 months of on-time principal and interest payments, you can apply to release your cosigner – allowing you to take sole responsibility for the loan moving forward.
*Comparisons based on competitor’s websites as of 5/20/25.
Find the loan that fits your goals.
No matter where you are headed on your education journey, Abe can help you get there.
Undergraduate
For undergraduate students enrolled in a bachelor’s or associate’s degree program.
Learn More
Graduate
For graduate students enrolled in a degree or certificate program.
Learn More
Law
For graduate students enrolled in a Law degree program.
Learn More
MBA
For graduate students enrolled in an MBA degree program.
Learn More
Medical
For graduate student enrolled in a doctoral degree program: Doctor of Medicine (MD), Osteopathic Medicine (DO), Veterinary Medicine (DVM, VMD), or Podiatric Medicine (PM).
Learn More
Dental
For graduate students enrolled in a dentistry degree program (Pediatric Dentistry, Periodontics, Oral Surgeon etc.).
Learn More
Healthcare Professionals
For graduate students enrolled in a nursing, pharmacy, or allied health professional (e.g., Dietitians, OT, Speech Pathologist, Audiologist, Dental Hygienist etc.) degree program.
Learn More
How Abe stacks up.*
Zero Fees
Grace Period11,12
Repayment Options3
Repayment Terms3
Past Due Balances16
On-Time Discount9
Graduate Loans
Graduate Certificate Loans
Grad Reward8
In-School Default Protection4
Abe.
Up to 12 Months†
4
5, 7, 10, 15, & 20 Years
18 Months
Sallie Mae
6 Months
3
10 to 15 Years
12 Months
Sofi
6 Months
4
5, 7, 10, & 15 Years
12 Months
CollegeAve
6 Months
4
5, 8, 10, & 15 Years
12 Months
Earnest
9 Months
4
5, 7, 10, 12, & 15 Years
12 Months
*Comparisons based on competitors’ websites (as of 5/20/25).
†6 months grace guaranteed + possible 6 months grace extension.
Lowering your rate.
Reduce your rate by up to 0.50% by building a good payment history.
Undergraduate Student Loans
Abe loans can be used to earn an associate, B.A., or B.S. degree at approved private and public universities and colleges.
Post-Bachelor Graduate Certificates
Post-bachelor graduate certificate students can use an Abe loan to earn specialized certificates in their field and start their careers at a higher level.
Graduate Student Loans
MBA, PhD, JD, MD, DDS, MPH, you name it— Abe's Graduate student loans offer the same benefits as our undergraduate loans.
Advanced degrees often require more funding. That's why Abe has increased the aggregate loan limit1 to $350,000 for grad students enrolled in JD, MD, DVM, MBA or DDS specialty programs. This is the total allowable amount of both Federal and Private Loan debt combined.
Less Than Half-Time Students
Abe helps students who just need a few more credits to get over the finish line, including summer and Jan Plan courses.
We welcome the world.18
U.S. Citizens
Permanent Residents
DACA Recipients with a U.S. Cosigner
International Students with a U.S. Cosigner
More repayment options, more power to the individual.
Determining the right Abe loan for you means figuring out your ideal total loan cost vs. monthly payment amount.
Whether you can start repaying while in school or if you need to defer until after graduation, the rule of thumb is the shorter the loan term, the less interest you’ll pay and the lower the total cost of your loan.
Abe has five different loan terms: 5, 7, 10, 15, or 20 years.3 Use the configurator in our online application to see how adjusting the length of your loan changes the monthly payment, and then choose the shortest term with a payment amount you’re comfortable making.
In-School Payments3
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Making principal and interest payments lowers the cost of the loan the most
-
Interest only payments reduce the long-term cost
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Low, flat payments steadily chip away at your balance
Deferred Payments
- Wait until you graduate to start repayment19
Choose from five different loan terms:
-
5, 7, 10, 15, or 20 years3
In-School Default Protection4 protects you from default.
If you elect to make interest only or flat payments while in-school but fall short, In-School Default Protection will save you from default by automatically switching you to a deferred payment program. Abe also features an extra year of in-school deferment19 – up to 60 months (5 years) in case it takes a little longer to get your degree.
Life happens. That's okay.
Most students don't worry about borrowing money. They worry about paying it back.
What if you need more time before starting repayment? What if life throws you a curveball?
6 months of grace and then 6 more.
Once you graduate, you have to look for a job. You may have to move. Buy a car. If you need 6 months before starting repayment, you got it.11 Then if you need 6 more months, that’s fine, too.12
Health and family first.
If you end up out of work due to illness or go on unpaid FMLA leave, Abe provides up to 12 months of medical forbearance.14
Re-enrollment, medical internships, and residencies.
If you re-enroll in school, or enter a medical internship or residency, we offer deferment options.10
Extended payment relief.
If you have gone through a reduced payment program and still need relief to get back on your feet, you may be eligible for a term extension of 60 months (5 years), which will lower your monthly payments.20
A safety net just in case.
A lot can happen over the life of a loan. You may lose your job,13 or suffer from a financial hardship,22 or be impacted by a natural disaster.21 Abe is there for you with opportunities for payment relief.
Past due balances.
Falling behind and accumulating a past-due school balance can happen, particularly during financial emergencies or unexpected circumstances. If this occurs, an Abe loan can be used to cover the outstanding balance within 18 months of the academic period end date.16
The Abe Scholarship Sweepstakes†
Celebrate Abe’s first birthday with a chance to win a share of $20,000 in scholarships!
Every week through September 13, 2025 Abe is giving away a $1,000 scholarship, plus one lucky grand prize winner will receive a $5,000 scholarship. That’s a total of 15 weeks, 16 winners and $20,000! A new scholarship is awarded every week, so don’t forget to come back for a fresh chance to win.