Graduate Loans

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Helping you fund your next step.
Whatever you’re pursuing, Complete Student Loans is here to help. Get a low, fixed-rate loan with no origination fees, flexible repayment options, and the benefit of borrowing from a local nonprofit built to serve you.

Our complete low-interest loans work with you in mind.

Repayment Term Fixed Interest Rate
10-year, principal and interest payments 5.75%
15-year, principal and interest payments 6.25%
10-year, interest-only payments 6.40%
15-year, interest-only payments 6.75%
10-year, deferred payments 6.85%
15-year, deferred payments 7.00%
You can receive an additional 0.25% rate reduction if your payments are deducted automatically each month from your bank account.
Interest Rate Calculation
Here is an example:
  • Loan Amount: $10,000
  • Fixed Interest rate: 5.75%
  • Repayment Term: 10-year term, principal and interest payments during school
  • Estimated Payment: $110/month for 120 months
  • Estimated Interest Over Life of Loan: $3,023


Fixed Interest Rate is determined by your credit and repayment term.

The lowest fixed interest rate a graduate student can qualify for is 5.75% with a 10-year repayment term and principal and interest payments during school.

The highest fixed interest rate a graduate student can qualify for is 7.0% with a 15-year repayment term and fully deferred payments during school.

Deferral Options

Graduate students can defer student loan payments until graduation or if they drop below half-time enrollment. However, they are still responsible for any interest that accrues.
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Payment Options
Charging you to make a payment just isn’t our style. So, we offer three ways to make your payments—and all of them are free.

Autopay
Sign-up for autopay and your payments will be deducted from your bank account automatically each month. Complete Student Loans’ customers are eligible for a 0.25% interest rate reduction if they use ACH to make monthly payments.

Online
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.

By Phone
You can call us to make your payment at 800-999-6227. We’re available Monday-Friday, 6 a.m.- 4 p.m. Mountain time.

Deferment Information
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.
Ready to get started?