Simple ApplicationOur application is simple and easy to understand. We removed most of the hoops you would usually have to jump through to receive the money you need for your education.
Our application will take you less than 10 minutes and you'll get your decision back in about 60 seconds.
To apply, you'll need your Social Security Number, a government-issued ID, your employment history, reference information, income verification, and address verification.
Low Fixed RatesOur low fixed rates are 5.50% to 6.75% for undergraduate students, 5.75% to 7.00% for graduate students, and 4.84% to 6.99% for student loan refinancing.
Other companies try to tease you into applying by offering rates "as low as" 2%. What they don't tell you is that almost no one qualifies for the best rates and their interest rates can climb up to 13% or higher.
Undergrad/Grad Details + APR
Refinancing Details + APR
Complete LoanIf you're borrowing for college, you shouldn't have to worry about choosing the correct loan for your program. We make it easy by offering a complete student loan that covers your education expenses; whether you're an undergraduate or graduate student, finishing your degree, going back to college to further your education, no matter what it is. We'll even help you refinance your student loans once you finish up. You can rest assured that our student loan is the right loan for you.
Rates & Terms
Complete Student Loans offers low fixed rates and makes it easy to repay your loans.
Low Fixed Rates/APR (Based on Program and Credit)
|Undergraduate Student Loans||5.50% - 6.75%|
|Graduate Student Loans||5.75% to 7.00%|
|Student Loan Refinancing||4.84% to 6.99% - Includes 0.25% ACH Discount|
We give you options to help you choose how you would like to repay your loans, never charge for repaying your loans early, and are happy to help you figure out the best way to repay.
Undergraduate and Graduate Loans: We offer two repayment terms: 10-year repayment and 15-year repayment. There is no penalty for early payoff with either option.
Student Loan Refinancing: We offer three repayment terms: 10-,15-, or 20-year repayment.
Repayment Plans (for Graduate and Undergraduate Loans Only)
Remember, the repayment plan you choose will affect how much money you end up paying for your loan.
Pay only the interest on your loan while you're in school. Make the habit of repaying your loans with a lower payment.
Principal and Interest
Make your full student loan payment as soon as you receive your disbursement. Your minimum monthly payment will be at least $50.00.
Deferred Option (Graduate Students Only)
Graduate students can defer student loan payments until graduation or dropping below below half-time enrollment. Just remember, you're still responsible for any interest that accrues.
There are three ways to make your payments and all of them are free because we won't charge you to make a payment.
Sign-up for autopay and your payments will be deducted from your bank account automatically each month.
You can make your monthly payment on-the-go through our online portal. Simply click "login" at the top of this page from your computer, tablet, or phone.
You can call us to make your payment at 801-266-7538. We're available Monday through Friday from 8AM to 5PM (MT).
If you are having trouble making your student loan payments, please contact us to make arrangements. You may qualify for a deferment if you're serving in the military. During deferment, interest continues to accrue. You have the option to pay the interest as it accrues or we will add any unpaid interest to your principal balance at the end of your deferment.
Created with Utah Students in MindRefinancing, undergraduate, and graduate Complete Student Loans are available to college students with a Utah connection and are available at colleges and universities that meet specific eligibility criteria.
The Utah connection means that our loan is made specifically for Utah residents attending college or university at eligible institutions within Utah or outside Utah. To be eligible to apply for our loans, you must either be a Utah resident or a non-resident who is enrolled (or was enrolled) in an eligible degree or certificate program at a Utah college or university eligible for Title IV federal aid.
Not sure if you wil be eligible? Contact us or schedule a free consultation.