Valley City State University

Private Lending for Higher Education

Loan Products

Here are loan options for you to explore. You may filter your options, then select up to five loans for further comparison.

Loan Cost Calculator

Explore different number combinations to understand what you can afford.

Comparison List

Fixed APR Range

Variable APR Range

earnest

We continue to add new features to make our products truly unique. NEW for 2023!!! Rate match guarantee. Also NEW for 2023!!! Bi-weekly payment options. Great rates and zero fees (including late fees) 9-month grace period (50% more than most)

SoFi

SoFi Private Student Loans make the process of applying easier, faster, and more transparent. With low fixed and variable rates, zero fees, and flexible repayment options, this student loan empowers borrowers to get a loan that fits their needs.

Product Name Rate Type APR Min APR Max Grace Period Compare
Apply for the loan SoFi Private Student Loan for Undergraduates (Fixed and Variable) SoFi Private Student Loan for Undergraduates (Fixed and Variable) Fixed
Variable
3.540%
5.540%
15.990%
15.990%
6 months
Apply for the loan SoFi Private Student Loan for Graduates (Fixed and Variable) SoFi Private Student Loan for Graduates (Fixed and Variable) Fixed
Variable
3.540%
5.540%
14.830%
15.860%
6 months
Apply for the loan SoFi Private Student Loan for Parents (Fixed and Variable) SoFi Private Student Loan for Parents (Fixed and Variable) Fixed
Variable
5.740%
6.070%
16.850%
16.850%
0 months

College Ave Student Loans

We are simplifying the student loan experience. By specializing in student loans, we give our customers the attention they deserve and deliver loans that are simple, clear, and personalized.

Product Name Rate Type APR Min APR Max Grace Period Compare
Apply for the loan College Ave Undergraduate Loan (Fixed & Variable Rate) College Ave Undergraduate Loan (Fixed & Variable Rate) Fixed
Variable
3.590%
5.340%
17.990%
17.990%
6 months
Apply for the loan College Ave Graduate Loan (Fixed & Variable Rate) College Ave Graduate Loan (Fixed & Variable Rate) Fixed
Variable
3.590%
5.340%
14.490%
14.490%
9 months
Apply for the loan College Ave Parent and Sponsor Loan (Fixed & Variable Rate) College Ave Parent and Sponsor Loan (Fixed & Variable Rate) Fixed
Variable
3.590%
5.340%
17.990%
17.990%
0 months

Bank of North Dakota

BND student loans offers competitive interest rates with no loan fees. ND residents can use the funds at eligible schools in the U.S. Out-of-state residents attending an ND institution may also apply. To refinance, a borrower must be an ND resident.

Product Name Rate Type APR Min APR Max Grace Period Compare
Apply for the loan Bank of North Dakota DEAL Loan (Fixed or Variable Rate) Bank of North Dakota DEAL Loan (Fixed or Variable Rate) Fixed
Variable
5.720%
6.070%
5.720%
6.070%
6 months

SELF Loan

Product Name Rate Type APR Min APR Max Grace Period Compare
Apply for the loan MN SELF Loan (Fixed Rate) MN SELF Loan (Fixed Rate) Fixed 6.044% 6.583% 0 months
Apply for the loan MN SELF Loan (Variable Rate) MN SELF Loan (Variable Rate) Variable 6.354% 6.900% 0 months

Sallie Mae

While on your educational journey, Sallie Mae is here to help. Choose between a fixed or variable interest rate and a repayment option that works best for you. There are no origination or disbursement fees and no pre-payment penalties.

Product Name Rate Type APR Min APR Max Grace Period Compare
Apply for the loan Sallie Mae Smart Option Student Loan for Undergraduate Students (Variable or Fixed Rate) Sallie Mae Smart Option Student Loan for Undergraduate Students (Variable or Fixed Rate) Fixed
Variable
3.490%
5.040%
15.490%
15.210%
6 months
Apply for the loan Sallie Mae Graduate School Loan (Variable or Fixed Rate) Sallie Mae Graduate School Loan (Variable or Fixed Rate) Fixed
Variable
3.490%
5.040%
14.480%
14.480%
6 months