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Student Loan

The INvestEd Student Loan difference!

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 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!


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
    • 4.80% APR1 Fixed2
    • 7.75% APR1 Variable3
  • Repayment terms of 5, 10, and 15 years.
  • Full deferment, interest-only, and immediate repayment options.

Read important loan disclosures »

Loan Options »

True Benefits

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

Borrower Benefits »


  • Must be an Indiana resident.
  • Must be a citizen or permanent resident of the United States.
  • Borrower or co-signer (if applicable must have an established credit history and meet annual income requirements.

The list of criteria is not exhaustive. For additional details, please click below.

Learn More »

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

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.

Helpful Tips

Want friendly and free help with any paying-for-college question? Email the INvestEd experts!

Hoosiers Want Trusted Partners to Help Navigate Funding Options & Avoid Student Debt.

Learn more about the INvestEd Survey. »