Student Loans

Offering smarter solutions to invest in your future

Undergraduate Student Loan

We all know the importance of higher education and earning a college degree. Investment in higher education could yield high returns – for you career, your future, and your overall financial wellness.

And just like most, the path to higher education is not without a student loan. A student loan provides you the peace of mind that your education is paid for while you work toward getting your degree.

Ardent Undergraduate Private Education Line-of-Credit

  • Variable rates
  • Flexible repayment and in-school deferment options
  • Easy online application and instant credit decision
  • Convenient line of credit structure allows you to get funding for your entire undergraduate career with just one application

Apply Today

*The 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.

Student Loans and Refinancing

Rates effective starting: June 15, 2025

Product APR1 Maximum Term Monthly Cost (per $1,000)
Student Loan (Undergraduate) As low as 10.75%2
Student Loan Refinance (Variable) 5.49% - 8.49% 5 years $19.19 – $20.66
Student Loan Refinance (Variable) 6.64% - 9.14% 10 years $11.50 – $12.85
Student Loan Refinance (Variable) 6.89% - 9.39% 15 years $8.99 – $10.46
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.  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. 

Tools & Resources

Make a Student Loan Payment 

Contact a College Counselor
Speak with a Student Loan Specialist