Skip to main content

Refinance Your Student Loan

Simplify and Save with RISLA.

A refinancing program you can rely on.

REFI_RATES_1025
RISLA_SOLID_CIRCLE_ICON_03-1
Say Goodbye . . .
to High Interest Rates

Refinancing with RISLA's low-interest rates makes paying off student loans faster and more affordable.

RISLA_SOLID_CIRCLE_ICON_03-1
Additional Savings . . . 
with RI Advantage.

Recieve an exclusive rate discount for RI residents and students attending Rhode Island schools.

RISLA_SOLID_CIRCLE_ICON_03-1
Refinancing with . . .
Your Protection in Mind

RISLA offers Income-Based Repayment, loan forgiveness options, and safeguards to support borrowers through life’s challenges.

iStock-1397496325 (1)

Looking to fill the financial gap?

Undergraduates, Graduates, & Parents

Student Loans Starting as Low as

2.99% APR2,3

Nationally Recognized as One of the Best Student Loans.

RISLA offers a fast and easy application process for low-cost loans, all backed by highly rated personalized customer service. RISLA student loans are available to students and parents nationwide.

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. 

What customers are saying about RISLA

TRUSTPILOT_LOGO_250X61_OPTIMIZED

 

Trustpilot
Fixed-Rate Student Loan  | Immediate Refinance Disclosure

1. 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. 

2. 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 is for a 5-year loan, including the 0.25% interest rate reduction for using the auto-pay feature and RI Advantage Discount.

3. 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.

We are with you for the journey.

CPC_BRANDING_LOGO_SOCIAL_0123_JAN-02_500X500

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 >
KFC_BRANDING_LOGOS_02_500X500

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 >
KFC_BRANDING_LOGOS_02 (1)

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 >
KFC_BRANDING_LOGOS_02 (1)

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 >