Student Loans review · Updated October 2026

College Ave Review (2026)

Student and parent loans.

Reviewed by our editorial team · How we rank · Advertising disclosure

The short version

More ways to structure payments than many lenders. On our student loan comparison, it's labeled Best for repayment options.

Key facts

Terms	5–20 years
Cosigner release	After half the term
Fees	Late fees only

What stands out

Terms of 5, 10, 15 or 20 years
No application, origination or prepayment fees
Several in-school repayment options

Pros and cons

Pros

Many repayment choices
Parent loans available

Cons

Cosigner release takes longer

How College Ave compares

Side-by-side comparison

	SSoFi	EEarnest	CACollege Ave
Trustpilot rating	4.3 Trustpilot · 13,930 reviews	4.6 Trustpilot · 8,515 reviews	4.5 Trustpilot · 3,822 reviews
Terms	5–20 years	5–15 years	5–20 years
Cosigner release	After 12 months	–	After half the term
Fees	None required	No late or origination fees	Late fees only
	Visit site	Visit site	Visit site

Head-to-head comparisons

Alternatives to consider

SoFi review · Best for refinancing
Earnest review · Best for flexible payments

What to check before you sign up

Whichever student loan provider you choose, compare these points:

Fixed or variable rate. Fixed rates stay the same. Variable rates may start lower but can rise over the life of the loan.
Repayment length. Shorter terms cost less in total interest. Longer terms lower the monthly payment.
Cosigner release. Some lenders release a cosigner after a run of on-time payments. Check the exact requirement.
Deferment and forbearance. Private lenders vary widely in how they help if you lose income. Read this before you sign.

See student loan providers that serve your ZIP code.

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