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3Rivers Rates & Loans

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Student Lending Options

Teens and twenty-somethings who are busy gathering a wealth of knowledge in the classroom are also often in a season of learning about their own finances for the first time. From budgeting and saving to student loans and more, managing money on top of being a student can feel overwhelming. We’re here to help you (and your parents) make sense of your options and navigate your financial journey during this chapter of your life.

Learn More about our Student Lending Options


Student Loans

Last updated: 6/1/2024
Type Term Loan Amount Rate (As Low As) APR
Private Student Loan - Variable $1,000 - $60,000
Private Student Loan - Fixed $1,000 - $40,000 5.99%
Student Loan Refinance (Federal & Private) 12 - 60 months Minimum $5,000(3) 7.54% 8.37%(4)
Student Loan Refinance (Federal & Private) 61 - 120 months Minimum $10,000(3) 8.04% 8.27%(4)
Student Loan Refinance (Federal & Private) 121 - 180 months Minimum $15,000(3) 8.54% 8.65%(4)

Apply for New Loan   Refi Existing Loan

(1) The Annual Percentage Rate is subject to change after consummation. Your interest rate is variable and may be adjusted quarterly on each January 1, April 1, July 1 and October 1 (Adjustment Date) based on the Prime index as published in the Wall Street Journal on the first business day of the month immediately prior to the Adjustment Date (e.g., December, March, June and September). Any increase in the index may increase the APR and the amount of your monthly payment.

(2) The "Index" for the quarter beginning April 1, 2024, is 8.50%, which was the Prime index published in the Wall Street Journal on the first business day of March 1st, 2024. Current offered rate(s) are calculated by using the Index, Margin and Floor value(s) in effect. Your specific Interest Rate and/or credit approval depends upon the credit qualifications of the student borrower and co-borrower (if applicable). The APR will not exceed 18.00%, or fall below the Floor rate (currently 4.99%) regardless of the Index. Margin will be disclosed at account opening.

(3) Total loan amount considered will be subject to a $100,000 unsecured aggregate limit (excludes credit cards). 

(4) APR shown is calculated using the 'as low as' rate, the maximum term, the minimum amount, and a $99 loan processing fee. Your rate is fixed at the time of loan origination and will be determined based on your Loan Term & FICO score/data obtained from your credit file. No Early Payoff Penalties.

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