Product	APR¹	Maximum Term	Monthly Cost (per $1,000)
Student Loan (Undergraduate)	As low as 11.50%²
Student Loan Refinance (Variable)	6.24% - 9.24%	5 years	$19.55 – $21.04
Student Loan Refinance (Variable)	7.39% - 9.89%	10 years	$11.89 – $13.27
Student Loan Refinance (Variable)	7.64% - 10.14%	15 years	$9.42 – $10.93
Student Loan Refinance (Fixed)	5.74% - 8.74%	5 years	$19.31- $20.79
Student Loan Refinance (Fixed)	6.89% -9.39%	10 years	$11.63 – $12.99
Student Loan Refinance (Fixed)	7.19% - 9.64%	15 years	$9.13 – $10.62

¹APR = Annual Percentage Rate. APR is 0.25% higher without automatic payment. Ardent has a tiered loan rate policy which applies different loan rates to borrowers based upon the borrower's credit worthiness. Rates are subject to change at any time.

²The APR for our undergraduate private education line of credit is variable and is based on the Prime index, plus a margin. The margin rate currently ranges between 3.00% and 5.00%, depending on the borrower’s or co-borrower's credit score at the time of application. The 'floor' rate for the loan will be 6.00%, meaning that your interest rate will never fall below this 'floor' rate. For student loan refinance, APR on a variable option is variable and based on the Prime index, plus a margin; for fixed-rate option, APR is fixed for the life of the loan. The rate you receive depends on your credit qualifications and the repayment term you select. Subject to credit qualification and additional criteria, including graduating from an approved school. Loans subject to approval.