Student Loans

College Avenue Student Loans


Student Loans with Major Help and Minor Stress

Southside Bank and our trusted partner College Ave are here to give you a better student loan experience. With great interest rates and less stress than federal loans, College Ave makes it easy to apply for a student loan or refinance an existing student loan. Get the rate and repayment plan that really works for you and your budget.


Fixed and variable rates

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Instant credit decision

 No fees to apply 


Learn more and get started at College Ave.


Variable Rates

Interest rate changes based on changes to a market index

  • Likely cheaper to start – consider your personal tolerance for the risk that it could go up or down
  • Benefit if the interest rate index remains the same or decreases

Current Refinance Rates

Current Undergraduate Rates

Fixed Rates

Interest rate does not change for the life of the loan

  • Rate will not increase or decrease
  • Know the payment amount and total cost up front


Current Refinance Rates

Current Undergraduate Rates

Flexible Terms

Create the repayment plan that best fits your budget

  • Between 5 and 15 years2
  • Refinance loan amounts as low as $5,0003




College Ave Student Loans products are made available through Firstrust Bank, member FDIC, First Citizens Community Bank, member FDIC, or M.Y. Safra Bank, FSB, member FDIC.

1The 0.25% auto-pay interest rate reduction applies as long as a valid bank account is designated for required monthly payments. Variable rates may increase after consummation.

 2This informational repayment example uses typical loan terms for a refi borrower with a Full Principal & Interest Repayment and a 10-year repayment term, has a $40,000 loan and a 5.5% Annual Percentage Rate (“APR”): 120 monthly payments of $434.11 while in the repayment period, for a total amount of payments of $52,092.61. Loans will never have a full principal and interest monthly payment of less than $50. Your actual rates and repayment terms may vary.

 3$5,000 is the minimum requirement to refinance. The maximum loan amount is $300,000 for those with medical, dental, pharmacy or veterinary doctorate degrees, and $150,000 for all other undergraduate or graduate degrees. Information advertised valid as of 12/21/2021. Variable interest rates may increase after consummation.



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