$2,000 Nitro Scholarship

Current Deadline: January 31, 2022

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Find and Compare All Private Student Loan Options For Your School

Sallie Mae® has developed a wide range of private education loans, and other education-related services to help make students' dreams of higher education a reality.

  • APR: 1.13% - 12.60%1
  • Loan Types: Undergraduate
  • Loan Terms: 10 - 15 years2
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Why Get a Student Loan from Sallie Mae?

Students and families can invest in their education with private education loans designed to responsibly bridge the gap between personal resources and federal student aid.

Private education loans:

Sallie Mae is committed to serving their borrowers so they can successfully pay their loans and build their credit.

  • 100% U.S. based loan originations and loan servicing representatives
  • Financial literacy resources
  • 24/7 account self-service available online and by phone
  • Team dedicated to helping our borrowers in the military

Key features of Smart Option Student Loan® from Sallie Mae:

  • Competitive interest rates — variable rates start from 1.13% APR to 11.23% APR1 for undergraduate students (as of November 25, 2021). Lowest rates shown include the auto debit discount.
  • Pay now or later - Defer your payments until after school or choose an in-school repayment option that fits your needs.1
  • Discounts: Save with auto debit - get a 0.25 percentage point interest rate reduction when you enroll in and make monthly payments by auto debit.1
  • Detailed review of Sallie Mae Student Loans

Get the money you need for school from Sallie Mae

College Ave is one of the newest and most-innovative lenders in the private student loan marketplace.

  • APR: 0.94% - 12.99%1
  • Loan Types: Undergraduate, Graduate & Parent
  • Loan Terms: 5, 8, 10 & 15 Years
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What Are the Benefits of a College Ave Student Loan?

College Ave stands out in two areas: flexibility and ease of use.

If you want extremely flexible loan repayment options, you should definitely consider looking into student loans from College Ave.

College Ave allows multiple repayment options. For example, if you’re a student, you can opt to make full-principal plus interest payments, interest-only payments, or flat payments of amounts as low as $25 per month while you’re still in school. Borrowers may also defer payments until school is complete.

Key features of a student loans from College Ave:

  • Easy online application process — apply through a streamlined user interface and get an answer in as little as three minutes
  • Build-your-own repayment plan — select from a variety of repayment terms to configure your loan payoff in the way that best fits your needs, including the option to make flat monthly payments while you’re still in school
  • Extremely user-friendly website with tools to help you select the right loan for your unique circumstances
  • Detailed review of College Ave Student Loans

Get a personalized quote from College Ave now

Discover® Student Loans has you covered. Discover loans can help fill the gap between federal student loans and other financial aid. Applying with a creditworthy cosigner may improve your likelihood for loan approval and you may receive a lower rate.

  • APR: 1.29% - 11.59%
  • Loan Types: Undergraduate, Graduate & Parent
  • Loan Terms: 15 years undergrad, 20 years Graduate
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Why Get A Student Loan Through Discover?

Discover is one of the biggest private student loan lenders in the market who offers both cosigned and non-cosigned loans to students and parents.

They also reward students for good grades. Students who get at least a 3.0 GPA (or equivalent) may qualify for a one-time cash reward of 1% of the loan amount

Key features of private student loans through Discover:

  • Zero Fees: That means no application, origination or late fees.
  • Multi-Year Option: Eligible borrowers get the loan they need today and may also be pre-qualified for future loans.
  • Valuable Rewards: Get cash rewards for good grades. Plus a 0.25% rate reduction while enrolled in automatic payments.
  • Borrow up to 100% of school-certified cost of attendance — including tuition, housing, book and more
  • Best for students who may need wiggle room on payments

Get your rate from Discover now

Citizens is an established bank with a solid history in student lending.

  • APR: 3.23% - 10.95%
  • Loan Types: Undergraduate, Graduate & Parent
  • Loan Terms: 5, 10 & 15 Years
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Why Get a Student Loan from Citizens One?

Citizens One offers student loans for undergraduate and graduate studies, as well as parent loans. It also has special offerings for business and law degrees and medical and dental degrees.You can apply for a loan as small as $1,000.Maximum aggregate loan amounts are:9

  • $90,000 for undergraduate
  • $110 for graduate
  • $180,000 for business/law
  • $150,000 or $295,000 for healthcare profesionals (depending on degree)

Citizens also offers a multi-year approval option. 8With their exclusive multi-year approval, you could qualify now through graduation. No searching for a loan each year or having to re-apply. You just simply request your funds once approved.

Key features of a student loan from Citizens:

  • Helpful online tools — Use the calculator to take a lot of the guesswork out of the application process.
  • Competitive rates — some of the lowest starting APRs in the student loan space, with fixed rates as low as 3.23%1 APR with loyalty2 and autopay3 discounts. (as of November 2021). 
  • Flexible repayment terms — conserve cash-in-hand by deferring payments or by spreading out your loan payments over several years.10
  • Detailed review of Citizens Student Loans

Start your private student loan application now with Citizens.

To help you borrow responsibly, Ascent has incorporated financial education into their application process.

  • APR: 1.46% - 13.02%
  • Loan Types: Undergraduate & Graduate
  • Loan Terms: 5, 10 & 15 Years
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What are the benefits of an Ascent student loan?If you're in the market for a student loan, Ascent has three unique benefits that you should pay attention to:

  1. 1% Cash Back Graduation Reward** 
  2. Non-Cosigned loan options for juniors, seniors and graduate students
  3. Graduated Repayment option to make monthly payments more affordable + and deferment and forbearance plans, which can be hard to come by with private lenders

Ascent offers a 1% Cash Back** Graduation Reward if you meet certain qualifying criteria. This is a very unusual benefit among student loan lenders. Depending how much you borrow, your reward could be enough to cover your first monthly payment ... or to buy a new outfit to wear on job interviews.

Key features of a private student loans through Ascent:

    • 1% CASH BACK Graduation Reward
    • CUSTOMIZE your loan with flexible repayment options
    • COVER UP TO 100% of your tuition & living expenses
    • AVOID FEES - No application, origination or disbursement fees
    • 0.25%-2.00% INTEREST RATE REDUCTION for enrolling in automatic payments
    • RELEASE YOUR COSIGNER after 24 consecutive on-time payments
    • FREE financial Tools

Detailed review of Ascent Student Loans

Funding U offers no-cosigner student loans up to $15K per school year to help cover the cost of college. Quickly check your eligibility with no impact on your credit.

  • APR: 6.99% - 12.99%
  • Loan Types: Undergraduate
  • Loan Terms: 10 Years
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What are the benefits of a Funding U student loan?

No-Cosigner Student Loans! Unlike other lenders, Funding U doesn't fund your parents. They fund you. Their no cosigner student loans are based on you and your potential.

  1. Pre-approval in minutes.
  2. Our no cosigner student loans always have fixed interest and no hidden fees.
  3. Every student is assigned a single Loan Officer whose job is to be helpful.

Funding U key features & benefits:

  • Finally, a loan high-achieving undergrad students can get based on their own academic merit and not their FICO score.
  • Quickly check your eligibility with no impact on your credit.
  • 100% No Fees
  • Earn rewards through our Borrower Referral Program
  • 0.5% autopay discount

Apply for your no-cosigner student loan today!

Education Loan Finance (“ELFI”) makes financing your future simple by offering easy payment options, affordable rates, and flexible terms in an application process that is transparent and secure.

  • APR: 1.20% - 11.99%
  • Loan Types: Undergraduate, Graduate & Parent
  • Loan Terms: 5 - 15 Years
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Why Get A Student Loan Through ELFI?

ELFI believes education fuels empowerment, and because of that, we take the hassle out of obtaining a private student loan.

Want freedom? You can check your rate in minutes without it affecting your credit score.

Want savings? You won’t pay an application, origination or prepayment fee.

Looking for support? Your Student Loan Advisor will make sure there are no hiccups when receiving your funds. How’s that for feeling empowered?

Key features of a student loans from ELFI:

  • Prequalify to estimate your rate without affecting your credit score
  • Submit online application in minutes
  • No application fees, origination fees, or prepayment penalties
  • Low rates and flexible repayment terms to fit your needs and goals
  • Student Loan Advisor to guide you through the application process

Get a personalized quote from ELFI now

SoFi helps undergrads pay for college without the hassle. See rates and terms in just minutes—and get access to tips, tools, and resources along the way.

  • APR: 0.99% - 11.33%
  • Loan Types: Undergraduate & Graduate
  • Loan Terms: 5, 10 & 15 Years
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Why Get A Student Loan Through SoFi?

A better way to pay for school. SoFi’s helped 300,000+ grads refinance their student debt. Now we’re helping undergraduates pay for school with competitive-rate private school loans.

  • All online. All easy. Finish our fast and easy online application all in minutes—and add a cosigner in just a few clicks.
  • Save money. Better rates and more savings versus other private lenders.
  • Repay your way. Pick the repayment option that works for you and your budget.

Key features of a student loans from SoFi:

  • We’re making it easy to apply and add a cosigner to your application in minutes.
  • No fees means no fees. That means no origination fees, no late fees, and no insufficient fund fees. Period.
  • SoFi has flexible repayment options to help you find the loan that fits your budget.
  • Get a 0.25% discount when you set up autopay. Plus, SoFi members can qualify for exclusive rate discounts.
  • Get a your rate in 3 minutes or less.
  • 98% of surveyed members would recommend SoFi to a friend.
  • SoFi Private Student Loans can cover up to 100% of the school-certified cost of attendance.

Get a personalized quote from SoFi now


The $2,000 Nitro Scholarship Sweepstakes (the “Sweepstakes”) begins at 12:00:01 AM Eastern Time (“ET”) Saturday, January 01, 2022 and ends at 11:59:59 PM ET on Saturday, December 31, 2022 (the “Sweepstakes Period”). Sponsor’s computer is the official clock for this Sweepstake. The $2,000 Nitro Scholarship Sweepstakes is only open to legal residents of the 50 United States, the District of Columbia, age 17 or older at the time of entry, and who meet one (1) of the five (5) following eligibility requirements at the time of entry:

  1. a parent who currently has a child enrolled in an accredited college or university located within the United States;
  2. a student who is currently enrolled in an accredited college or university located within the United States;
  3. a parent who currently has a child enrolled as a high school senior located within the United States;
  4. a student who is currently enrolled as a high school senior located with the United States; 
  5. a student or a parent whose child has graduated from an accredited undergraduate school (a “School) and who is currently paying back a student or parent loan for his/her/child’s educational expenses for such School (“Entrant”).

Void outside the U.S. and wherever prohibited by law.  Click here for Official Rules. 

* All applications submitted past the current deadline date up till 11:59 PM ET will be considered for the next deadline.

2021-2022 Application Deadlines*

October 31, 2021 Nadia Bray
November 30, 2021 Confirming Winner
December 31, 2021 Confirming Winner
2022 Selections
January 31, 2022 Current Deadline
February 28, 2022 Upcoming Deadline
March 31, 2022 Upcoming Deadline
April 30, 2022 Upcoming Deadline
May 31, 2022 Upcoming Deadline
June 30, 2022 Upcoming Deadline
July 31, 2022 Upcoming Deadline
August 31, 2022 Upcoming Deadline
September 30, 2022 Upcoming Deadline
October 31, 2022 Upcoming Deadline
November 30, 2022 Upcoming Deadline
December 31, 2022 Upcoming Deadline
View Previous Nitro Scholarship Winners

Nitro cares about providing you the resources needed to successfully navigate financing college. That’s why we’re offering you the opportunity to
earn a $2,000 scholarship. We know that college is a big step forward in achieving your goals and we want to help you get there using all the tools Nitro has to offer.