Looking into College Ave Student Loans? This complete guide covers loan types, repayment options, pros, cons, and how it compares to federal loans—all in simple terms.
If you're looking at student loans and wondering whether College Ave is any good, you're not alone. The student loan world is a maze — federal, private, fixed rates, deferment, forgiveness... it’s a lot. College Ave is one of the better-known private lenders, but that doesn’t automatically make it right for you.
I’ll keep this simple and skip the salesy language. Here’s what College Ave is, what it does, and where it might fall short.
College Ave is a private student loan company — not part of the government. It started in 2014 and offers loans for undergrad, grad school, trade programs, and even lets parents borrow. They also do refinancing, which means rolling your old loans into one new one, ideally at a better interest rate.
They’re a direct lender, meaning they give you the money and handle your loan from start to finish. You won’t be passed off to a separate company for payments.
Let’s be super clear: College Ave is private.
If you’re eligible for federal loans, start there. Federal loans offer income-based repayment, deferment, and options like Public Service Loan Forgiveness. College Ave doesn’t offer any of that. If you’ve maxed out your federal aid or don’t qualify, then private loans like this can help fill the gap.
They cover the basics:
Undergraduate Loans
Graduate Loans
Parent Loans
Career/Trade School Loans
Refinancing Existing Loans
Pretty standard stuff. What makes them a bit more flexible is that you can choose from several repayment terms (like 5, 8, 10, or 15 years), and there’s no penalty for paying off early.
Quick and mostly online process
You can check your rate without hurting your credit
No application or origination fees
Automatic payment discount (0.25%)
More repayment term options than many lenders
In short, it’s user-friendly and built for people who don’t want to deal with a ton of paperwork.
No federal protections (IDR plans, forgiveness, etc.)
Interest rates can be higher if your credit isn’t great
Limited forbearance options if you hit financial trouble
Cosigner might be required for students with little to no credit
It works best if you or your cosigner has solid credit and you’re confident in your future income.
If you applied for a loan directly through College Ave, then yes — they’re both your lender and servicer. If you’re not sure:
Check your credit report
Look through your loan documents/emails
Log into collegeave.com
Pretty simple:
Go to collegeave.com
Hit “Log In” > “Create an Account”
You’ll need your SSN, date of birth, and email
Choose a username/password and security questions
Once set up, you can see your balance, payment info, and more
You can pay online, by mail, or over the phone. Setting up autopay gets you a small interest rate discount, which adds up over time.
To make a payment:
Log into your account
Click “Make a Payment”
Choose one-time or set up recurring payments
Done
If you need help, here’s how to reach them:
Phone: 1-(844) 422 • 7502 (Mon–Fri, 9am–9pm ET)
Website: collegeave.com
College Ave isn’t perfect, but if you’re looking for a private loan, they’re worth a look. Just make sure you’ve looked at federal loans first — they almost always have better safety nets.
College Ave is best for borrowers with good credit or a strong cosigner who want flexible repayment options and a quick, no-hassle process.
Provide clear contact information, including phone number, email, and address.
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