Smart Financing for Your Educational Future

Student Loans & Refinancing

Fund your future dreams or lower existing payments with competitive rates and a Youth & College Team here to support your goals.

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Education Financing Made Simple

When borrowing becomes part of your next step, we’re here to help. We offer private student loan and refinancing options, along with personalized guidance to support both college and career paths. From scholarship search assistance to ongoing financial coaching, our team is with you every step of the way—before, during, and after school.

Find Your Best Loan Option

Compare Student Loan Solutions

Private loans for current students and refinancing options for graduates looking to lower rates or monthly payments.

Private Student Loans

Borrow $5,000 to $60,000 for undergraduate education expenses
Line of credit with 60-month draw period with 15-year repayment term
Interest-only or deferred payment options available during school
Youth & College Team provides personalized guidance throughout

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Student Loan Refinancing

Refinance federal and private loans with low rates
Consolidate multiple loans into one manageable monthly payment
Choose repayment terms from 12 months to 180 months
Minimum refinance amounts starting at $5,000 for qualified borrowers
Fixed rates provide payment stability and predictability

Connect Before Applying Refinance Now

Navigating your future, together.

Why Students Choose 3Rivers

Experience personalized service, competitive rates, and a team dedicated to helping you minimize debt and succeed.

Dedicated Support Team

Youth & College advisors guide your journey

Scholarship Assistance

Help finding free money before considering loans

Transparent Terms

No prepayment penalties or confusing hidden fees

Competitive Rates & Options

Variable and fixed rates designed for your situation

Private Student Loans for College

Preparing for college in Indiana, Ohio, or beyond. 3Rivers offers private student loans for undergraduates attending accredited institutions. Fund tuition, fees, textbooks, housing, and other qualified educational expenses.

How 3Rivers Student Loans Work

Borrow between $5,000 and $60,000 with variable rates as low as 5.74% APR. During your 60-month draw period while in school, choose interest-only payments to minimize balance growth or deferred payments where interest accrues. After graduation, you'll have a 15-year repayment term. Loan modification options available when you go into repayment.

Private Loan Benefits

Variable rate tied to Wall Street Journal Prime Rate, reviewed monthly
Interest-only or deferred payment flexibility during enrollment
Zero penalties for early payoff—pay off sooner and save thousands

Disclaimer
⁽¹⁾ Variable Rate- Interest-Only Draw Period - Your account will be subject to a Variable Rate which is based on the highest Prime Rate as published in the Money Rates Section of The Wall Street Journal in effect on the last calendar day of each month of each year ("Index") plus ("Margin"). The Index plus the Margin equals the Interest Rate. Changes in the Index will cause changes in the Interest Rate on the 1st day of each month that immediately follows a change in the Index. Increases and decreases in the Interest Rate will result in like increases or decreases in the Finance Charge and may affect the amount of Your interest-only payments during the draw period and amount of Your amortized payments during the Repayment Period. Your Annual Percentage Rate will never be greater than eighteen percent (18.00%), and will apply to the remaining principal balance.

⁽²⁾Variable Rate - Deferred Payment- Your Account will be subject to a Variable Rate which is based on the highest Prime Rate as published in the Money Rates Section of The Wall Street Journal in effect on the last calendar day of each month of each year ("Index") plus ("Margin"). The Index plus the Margin equals the Interest Rate. Changes in the Index will cause changes in the Interest Rate on the 1st day of each month that immediately follows a change in the Index. Increases or decreases in the Interest Rate will result in like increases or decreases in the Finance Charge and will affect the amount of interest that accrues on Your Account during the Draw Period, which will affect the amount of Your initial amortized payment during the Repayment Period. Interest rate changes that occur during the Repayment Period may also affect the amount of Your regularly scheduled payment during the Repayment Period. Your Annual Percentage Rate will never be greater than eighteen percent (18.00%), and will apply to the remaining principal balance

⁽³⁾Total loan amount considered will be subject to a $100,000 unsecured aggregate limit (excludes credit cards).

⁽⁴⁾APR shown is calculated using the 'as low as' rate, the maximum term, the minimum amount, and a $149 loan processing fee. Your rate is fixed at the time of loan origination and will be determined based on your Loan Term & Credit Score/data obtained from your credit file. No Early Payoff Penalties.

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Type	Term	Loan Amount	Rate (As Low As)	APR	Monthly P&I
Private Student Loan - Variable (Undergraduate)	60 month draw period, 15 year (180 month repayment term)	$1,000 - $60,000	5.74%⁽¹⁾⁽²⁾
Student Loan Refinance (Federal & Private)	12 - 60 months	Minimum $5,000⁽³⁾	6.54%	7.77%⁽⁴⁾	$100.84
Student Loan Refinance (Federal & Private)	61 - 120 months	Minimum $10,000⁽³⁾	6.99%	7.32%⁽⁴⁾	$117.73
Student Loan Refinance (Federal & Private)	121 - 180 months	Minimum $15,000⁽³⁾	7.54%	7.70%⁽⁴⁾	$140.78

Student Loan Refinancing Options

Already have student loans from other lenders? Refinancing with 3Rivers helps you secure lower interest rates, reduce monthly payments, consolidate multiple loans into one simple payment, or adjust repayment terms to fit your budget and goals.

Why Refinance Student Loans

Refinancing replaces your existing loans with a new 3Rivers loan at a more favorable fixed interest rate. Consolidate federal and private student loans with fixed rates starting at 6.54% APR. Select a repayment term: 12-60 months, 61-120 months, or 121-180 months.

Refinancing Advantages

Consolidate multiple loan payments into one simple monthly bill
Fixed interest rates provide predictable payments throughout loan term
No prepayment penalties—make extra payments anytime to save on interest
$149 loan processing fee with complete transparency on all costs
Minimum refinancing amounts start at $5,000 for qualified borrowers

Your Partner in Educational Financial Planning

More Than Just Loan Options

Whether you're planning for college, managing student debt, or building financial literacy, 3Rivers provides expert guidance every step forward.

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