^* Edly income-based loans are private student loans made by Transportation Alliance Bank, Inc. d/b/a TAB Bank, serviced by AES, and available only through participating schools. Subject to credit approval and eligibility requirements. Not available in CO, CT, IL, ME, NE, PR, VT, or WV. Fixed interest rates as low as 9.9% for cosigned loans and 11.9% for no-cosigner loans include a 1.00 percentage point autopay discount, which applies while you remain enrolled in autopay. For a representative $50,000 loan, APRs range from 9.77% to 28.12% as of October 13, 2026, depending on your income and how quickly the loan is repaid. The APRs include a 4.75% origination fee added to the loan principal. Maximum APRs are lower in certain states. Your interest rate does not change, but your payments adjust with your earned income after school, so your APR may be higher or lower than these examples. No down payment required. In-school payments as low as $25/month. After school, payments equal a percentage of your gross earned income, which adjusts as your income changes, for up to 180 months, with total payments capped as stated in your loan agreement. Checking your rate uses a soft credit inquiry that won’t affect your credit score. Selecting a loan results in a hard credit inquiry. Consider federal student aid options before borrowing privately. Not an offer or commitment to lend. © 2026 Edly.