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INvestEd Student Loan

INvestEd Student Loan

Picking the right loan can be just as important as picking the right major. INvestEd is here to help you find the financial plan that works best for you.

The INvestEd Student Loan difference!

The INvestEd Student Loan is different than other private loans primarily because INvestEd is a different type of lender. We work with Hoosier families at our literacy events and offer resources to maximize free financial aid money so loans are the last piece of the puzzle, not the first! Our goal is to help families fulfill their dreams of completing college and doing so with the least debt possible.

We believe wise borrowing is informed borrowing. Before applying for any private student loans, INvestEd encourages families to explore other sources of funding such as college savings plans, grants, scholarships, and federal, state, and institutional financial aid. Should you find a private loan is needed to close the funding gap, INvestEd and our partners offer hard-working, qualified families a better private loan option – the INvestEd Student Loan!

You can apply now or read more about the INvestEd Student Loan difference!

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One loan option doesn’t fit everyone, which is why INvestEd has multiple options for families. Of course the best option to limit your overall debt is to begin repayment immediately, but we understand that isn’t always possible; therefore we provide several options to help find the right loan fit for you. Review all our loan options at the link below.

  • Rates as low as:
    • 4.38% APR1 Variable2
    • 5.25% APR1 Fixed3
  • Repayment terms of 5, 10, and 15 years
  • Full deferment, interest-only, and immediate repayment options

Click here for important loan disclosures

Loan Options »


True Benefits

Lower your rate with our benefit for making auto-debit payments, and learn more about having a cosigner released from their obligation.

Borrower Benefits »


Strategic Partnerships

As an Indiana company wanting to help students from Indiana as well as students attending Indiana colleges and universities, INvestEd (loan administrator/lender) has partnered with First Merchants Bank (loan lender), Campus Door (loan processor) and American Education Services (loan servicer) to provide a competitive private loan with the highest quality of service. Review a synopsis of the INvestEd Student Loan underwriting criteria to see if your family would potentially qualify.

View underwriting criteria »


Now that you understand how INvestEd is different, let’s see if we can help your family fill that funding gap!

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1 Lowest rates shown are for eligible, creditworthy applicants and require shortest length of repayment and our automatic payment discount of 0.25%. Annual percentage rates (APR) listed are based on borrowing $10,000 in a single disbursement. Actual rate will depend on credit score. Automatic payments are not required.

2 The variable rate is subject to increase after consummation. The maximum variable interest rate is 21%. The variable interest rate that is charged the borrower is reset quarterly, may increase or decrease, and is based on an Index and Margin. That means that your rate could move lower or higher than the rates on this form. The variable rate is based upon the average of the three-month forward-term version of the 90-day Secured Overnight Financing Rate (SOFR) published by a source approved by the Alternative Reference Rate Committee (ARRC).

3 The fixed rate will not change during the term of the loan.

Have questions?

We've got real, local, Hoosiers ready to help you with any questions you may have. Reach out to Robert, Bill, Susan, Alex, or Matt today!

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