With Upcoming Federal Graduate Student Loan Changes, College Ave Provides Funding Solutions for Students - Offers Most Robust Suite of Graduate Student Loans That Can Cover the Full Cost of Graduate Programs

Enter now - $5,000 College Ave Grad School Sweepstakes

WILMINGTON, Del., Oct. 8, 2025 /PRNewswire/ -- With federal graduate loan program changes starting July 1, 2026, College Ave is committed to supporting students and school partners,  offering the most robust suite of graduate student loans that can cover up to the full cost of attendance. With no origination and application fees plus a 3-minute application, graduate student loans from College Ave can help qualified borrowers save money and time over federal loan options. For those graduate students pursuing advanced degrees – including business, health, law, medicine and dentistry – College Ave offers tailored financing solutions. Not only do loans cover the full cost of the degree, but many also offer extended grace and deferment periods. And  graduate student loan borrowers with College Ave can borrow with confidence – 98% of College Ave borrowers are making on time payments.

"At College Ave, we are a leader in private student lending and are well-positioned to support our school partners and students during this time," said Joe DePaulo, Co-Founder and CEO of College Ave.  "We understand that pursuing an advanced degree is one of the most important—and often most expensive—investments a student will make. We're financially strong and operationally ready to help students and schools navigate the path ahead. We remain committed, as always, to helping students achieve a higher education."

Student loans are an integral financing tool for graduate students. According to the National Center for Education statistics, graduate students borrowed $40.4B in federal loans in 2023-2024. Approximately 40% of all graduate students borrowed via the Federal Direct Loan program and 15% borrowed via the Grad PLUS Loan program.

With the new federal graduate loan changes for July 1, 2026, graduate students may need to consider additional funding options to help cover the full cost of school:

Federal Student Loans for Graduates: Current vs. Future

¹ Cost of Attendance (COA) minus other aid
² Minus amounts borrowed for Graduate Direct Loans. Note: Aggregate limits are lifetime limits; cannot be refreshed by paying down debt.
³ Effective for new loans on or after July 1, 2026, with legacy provisions for current borrowers to complete their program of study.

College Ave's robust suite of graduate student loans provides a solution for those who may need additional financing to cover the full cost of higher education. The loans are tailored with unique benefits to help students finance and achieve their advanced degree. Highlights include:

College Ave Graduate Loan

• Low fixed and variable rates
• Higher aggregate loan limit increases eligibility
• Flexible repayment options

College Ave MBA Loan

• Low fixed and variable rates
• Higher aggregate loan limit increases eligibility
• Flexible repayment options

College Ave Medical School Loan

• Low fixed and variable rates
• 36-month grace period upon leaving school with option to add up to 48 months of deferment for residency
• 20-year loan term option offers lower monthly payments

College Ave Dental School Loan

• Low fixed and variable rates
• Longer 12-month grace period upon leaving school
• Flexible 24-month deferment for residency
• 20-year loan term option offers lower monthly payments

College Ave Law School Loan

• Low fixed and variable rates
• 9 month grace period upon leaving school
• Flexible 12-month deferment for clerkship
• 20-year loan term option offers lower monthly payments

College Ave Health Professionals Loan

• Low fixed and variable rates
• 9-month grace period
• Flexible up to 48-month deferment for fellowship or residency
• 20-year loan term option offers lower monthly payments

With students investing so heavily in their education, College Ave urges students to carefully consider all their financing options. Graduate students should fill out the Free Application for Federal Student Aid (FAFSA), examine what they can contribute with income and savings, and see if tuition reimbursement options from employers, fellowship opportunities, teacher apprenticeships or other funding options could benefit them. One option – enter the no-essay $5,000 College Ave Grad School Sweepstakes for a chance to help cover costs, including application and testing fees, textbooks, and everyday expenses during grad school.

If students find they need to borrow, shopping lenders, comparing interest rates, and understanding the full breadth of repayment options are all crucial to save money on student loans. Students can also use a student loan calculator to predict their future payments – College Ave has a student loan calculator that allows graduate students to explore their options based on their specific degree.

College Ave is here for graduate students and schools—every step of the way. For tools and resources to help you plan and pay for grad school, visit collegeave.com.

About College Ave
College Ave started with a big vision and a simple mission – take the stress out of paying for college so students can focus on preparing for a bright future. Now a leading financial services company, College Ave remains committed to using best-in-class technology and deep industry expertise to deliver practical and personal solutions that give young adults a running start on their roads to financial success. We offer best-in-class products with competitive rates and a customer-friendly experience from start to finish. Visit: collegeave.com .

¹ Hanson, Melanie. "Average Graduate Student Loan Debt" EducationData.org, September 1, 2024,
https://educationdata.org/average-graduate-student-loan-debt
² Hanson, Melanie. "Average Law School Debt" EducationData.org, October 1, 2024,
https://educationdata.org/average-law-school-debt
³ Hanson, Melanie. "Average Medical School Debt" EducationData.org, August 28, 2024,
https://educationdata.org/average-medical-school-debt 

SOURCE College Ave