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Graduate
Student Loans
No application fees, processing fees, or late fees
Four repayment options, five loan terms1
Available to students enrolled full time or less than half time
Up to 100% of college expenses covered including tuition, housing, books and more2
Find your rate in minutes3 with no impact to your credit score
Rates that respect your goals.
Whether you’re borrowing solo or with a cosigner, AbeSM offers competitive rates designed to support your next move, not just your next semester. Choose the rate type and loan term1 that fits your career timeline, and lock in the financing that keeps you focused on your future.
Lowest APRs (Annual Percentage Rates) include a 0.25% discount when auto pay is elected.7
Apply in minutes with 3 easy steps.
Find your rate3
Choose your repayment option and term1
Finish your application and submit
Have questions before you take the next step? Check out our FAQs or Contact Us.
Already borrowed for undergrad?
Here’s what to think about before borrowing more.
If you took out loans for your undergraduate degree, adding to that balance for grad school might feel like a big leap. That’s fair. There are a few key things to keep in mind as you plan your next step that can help you feel more confident about adding to your existing loan balance.
Look at the big picture.
Grad school is often an investment in higher earning potential. Run the numbers and see how your new degree could impact your long-term financial path, and whether the added debt makes sense for your goals.
Understand how your loans fit together.
Your grad loan won’t replace your undergrad loans, but it will stack alongside them. Knowing your total student debt picture (monthly payments, interest rates, timelines) can help you choose the right repayment plan now.
Consider applying with a cosigner.
Even if you borrowed solo before, applying with a creditworthy cosigner for a grad school loan could help you qualify for a better rate—saving money in the long run.
Keep flexibility in mind.
Grad programs often come with internships, residencies, or temporary lower income. Abe offers in-school repayment options and deferment,1 so you can adjust your plan without falling behind.
Specialized loans for specialized degrees.
Abe offers tailored loan solutions for your specific career path, so you can focus on building your future instead of worrying about financing it.
Law
Learn More
MBA
Learn More
Dental
Learn More
Medical
Learn More
Healthcare Professionals
Learn More
Borrower Benefits
Reduce your rate by up to 0.50% by building a good payment history.
2% Grad Reward9
Upon request after graduating, reduce your principal balance by 2% of your net disbursed loan amount.
Early Cosigner Release10
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.
Cosigner Information
A cosigner significantly increases your approval chances.
3 out of 4 approved applicants have a cosigner.
You don’t have to have a cosigner to apply for an Abe loan. That said, there are several reasons why it’s a really good idea to have one.
Applying with a creditworthy cosigner may result in a lower interest rate.
Repayment Options1
Make full principal and interest payments while you study.
- Start making principal and interest payments right away
- Making higher monthly payments while you are still in school saves you the most money overall
Make only interest payments while in school.
- Interest only payments reduce the long-term cost of your loan
- This is a good option if you can't make full payments while in school but still want to make life easier after you graduate by making smaller monthly payments now
Make $25 payments each month during school to reduce your accrued interest.
- Steadily chip away at your loan's interest by making low, flat monthly payments while you study
- This is a great option if you can't quite afford full interest payments just yet, but still want to start making a dent in the overall cost of your loan right away
Wait to make payments until after you graduate and are earning money.
- Waiting until you graduate before you start making payments allows you to focus on your studies without worrying about loan payments
- Keep in mind interest will continue to accrue on your loan during this time, making this the most expensive option over all
In-School Default Protection12 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 deferment11 – up to 60 months (5 years) in case it takes a little longer to get your degree.
Repayment Terms
Abe has five different loan terms:
5, 7, 10, 15, or 20 years.1
The shorter the term, the more you save on interest payments. Longer terms mean lower monthly payments, but higher overall cost of the loan.
Use the configurator 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.
Payment Relief
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.13 Then if you need 6 more months, that’s fine, too.14
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.19
Re-enrollment, medical internships, and residencies.
If you re-enroll in school, or enter a medical internship or residency, we offer deferment options.15
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.20
A safety net just in case.
A lot can happen over the life of a loan. You may lose your job,16 or suffer from a financial hardship,17 or be impacted by a natural disaster.18 Abe is there for you with opportunities for payment relief.
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.21
How Abe stacks up.*
Fixed Rates4
Zero Fees
Grace Period13,14
Repayment Terms1
2% Grad Reward9
On-Time Payment Discount8
Abe.
3.39% to 15.00% APR5,6
Up to 12 Months†
5, 7, 10, 15 or 20 Years
Sallie Mae
3.49% to 14.47% APR
6 Months
10 to 15 Years
Sofi
3.29% to 14.83% APR
6 Months
5, 7, 10 or 15 Years
CollegeAve
3.47% to 14.47% APR
6 Months
5, 8, 10 or 15 Years
Earnest
3.47% to 14.30% APR
9 Months
5, 7, 10, 12 or 15 Years
*Comparisons based on competitors’ websites (as of 5/20/25).
†6 months grace guaranteed + possible 6 months grace extension.
Apply in minutes with 3 easy steps.
Find your rate3
Choose your repayment option and term1
Finish your application and submit
Have questions before you take the next step? Check out our FAQs or Contact Us.
The Abe Scholarship Sweepstakes†
Celebrate Abe’s first birthday with a chance to win a share of $20,000 in scholarships!
We’re giving away a $1,000 scholarship every week all summer long. Plus, one lucky grand prize winner will receive a $5,000 scholarship. With 15 weeks and 16 winners, your chances of winning money for school have never been better!
Come back and enter every week for a new chance to win $1,000.
This is one long birthday celebration. Abe is holding scholarship drawings until September 13, 2025. So don’t forget to come back and enter every week for a new chance to win.
Abe Graduate Student Loan FAQs
Who can apply for an Abe Graduate student loan?
If you’re pursuing a graduate or professional degree or certificate program at an eligible school, you can apply22 for an Abe Graduate student loan. You must also meet the following criteria:
- You’re at the legal age of majority, or at least 17 years of age at the time of application if applying with a cosigner who meets age of majority requirements in the cosigner’s state of residence
- You’re a U.S. citizen, permanent resident alien or an Eligible Non-Citizen (DACA recipient) applying with an eligible cosigner who is a U.S. citizen or permanent resident alien, or an international student applying with an eligible cosigner who is a U.S. citizen or permanent resident alien
What can an Abe Graduate student loan be used to pay for?
An Abe Graduate student loan can be used to pay for up to 100% of the total cost of college expenses,1 including:
- Tuition and fees
- Room and board (on or off campus)
- Books and supplies
- A laptop or other tech needed for school
- Transportation and travel
- Everyday living expenses while you’re enrolled
- Licensing exam fees and prep materials (if approved by your school)
How much can I borrow?
An Abe Graduate student loan enables you to borrow from $1,000 up to your school’s certified cost of attendance,1 minus any other aid you’re receiving from funding such as federal loans, grants and scholarships.
What information do I need to apply?
Applying for an Abe Graduate student loan is quick and easy, but having a few things ready can make it even faster:
- Your date of birth and Social Security number
- Mailing and email adress and phone number
- Your school name and grade level as well as expected graduation date
- The amount you’d like to borrow
- Employment and income info (for you and your cosigner, if you have one)
- A valid ID (like a driver’s license or passport)
If you’re applying with a cosigner, they’ll need to provide similar information. Don’t worry, we’ll walk you through it step by step.
What happens if I need help making payments later?
Life doesn’t always go as planned. Abe private student loans come with built-in flexibility like deferment, forbearance, and even In-School Default Protection12 if things get tough after graduation and you need more time.
Is there a penalty for paying off my loan early?
Nope. You can pay off your loan at any time with no prepayment penalties.