Undergraduate Loans

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Start college with everything you need.
Complete our online application in just 10 minutes and get an undergraduate loan built to give you more; with low, fixed rates, no origination fees, access to financial literacy resources, and no charge for repaying early.

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

Repayment Term Fixed Interest Rate
10-year, principal and interest payment 5.50 - 5.75%
15-year, principal and interest payment 6.00 - 6.25%
10-year, interest-only payments 6.15 - 6.40%
15-year, interest-only payments 6.50 - 6.75%
You can receive an additional 0.25% rate reduction if your payments are deducted automatically each month from your bank account.
Undergraduate Loan Eligibility
In addition to the information noted below, you and your cosigner, if applicable, must also meet our underwriting criteria to obtain a loan from Complete Student Loans.

Borrowers:
  • You must be the age of majority in your state of residence, otherwise an age of majority cosigner is required.
  • You must be a US citizen or permanent resident.
  • You need to be enrolled at least half time, as defined by the school, in an eligible degree or certificate program at a U.S. college or university eligible for Title IV federal aid. If you’re not a Utah resident, you need to be enrolled at an eligible Utah school.
  • You must make an annual income of at least $25k or you will need to apply with a cosigner who meets that income threshold. Your total education loan indebtedness (private and federal loans) cannot exceed $200k.
  • You must apply for a minimum loan amount of $5,000.
Cosigners:
  • Your cosigner must be the age of majority in your state of residence.
  • Your cosigner must be a US citizen or permanent resident.
Not sure if you’re eligible?   Contact Us   or   Schedule a FREE Consultation
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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 auto payments 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 844-870-8701. We’re available Monday-Friday, 6 a.m.- 4 p.m. Mountain time.

Postponement Options
If you are having trouble making your student loan payments, please contact us to make arrangements. You may qualify for a forbearance if you’re serving in the military. During forbearance, 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 forbearance.
 
Ready to get started?