AAA Advantage Student Loans

Before applying for a private student loan, DR Bank and Monogram LLC recommend exhausting all financial aid alternatives including grants, scholarships, and federal student loans.

The AAA Advantage Student Loan is made by DR Bank, Member FDIC (“Lender”).  All loans are subject to individual approval and adherence to Lender’s underwriting guidelines.  Program restrictions and other terms and conditions apply.  LENDER AND MONOGRAM LLC EACH RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS AND BENEFITS AT ANY TIME WITHOUT NOTICE. TERMS, CONDITIONS AND RATES ARE SUBJECT TO CHANGE AT ANY TIME WITHOUT NOTICE.

*Rates shown include the summer savings rate discount of 0.50%. Offer valid for new AAA Advantage Student Loans for which applications are submitted between 12:00:01am ET on July 1, 2026, and 11:59:59pm ET on July 31, 2026. A 0.50% interest rate reduction will be included in the loan options presented during the online application process. The interest rate reduction will be effective for the life of the loan.”

¹ In order to estimate your available rates and loan options, with your authorization, DR Bank will initiate a soft credit inquiry. Soft credit inquiries do not affect your credit. Any rates and loan options offered to you are estimates only.

² Interest rates and APRs (Annual Percentage Rates) depend upon (1) the student’s and cosigner’s (if applicable) credit histories, (2) the rate type selected, (3) the repayment option and repayment term selected, (4) the expected number of years in deferment, (5) type of degree program, and (6) the requested loan amount. Rates and terms are effective as of 7/1/26. The variable interest rate for each calendar month is calculated by adding the 30-Day Average Secured Overnight Financing Rate (“SOFR”) index plus a fixed margin assigned to each loan. The current SOFR index, published on the website of the Federal Reserve Bank of New York, is 3.75% as of 7/1/26. The applicable index or margin for variable rate loans may change over time and result in a different APR than shown. The fixed rate assigned to a loan will never change except as required by law or if you request and qualify for an interest rate discount or receive In-School Default Protection (see footnote 8 for details).

³ APRs assume a $10,000 loan with one disbursement and the summer savings rate discount of 0.50% (applicable to applications submitted between 12:00:01am ET on July 1, 2026, and 11:59:59pm ET on July 31, 2026). The low APRs assume a 5-year term and the Immediate Repayment option with payments beginning 30-60 days after the disbursement via auto pay. See footnote 6 for auto pay details. The high fixed rate APR assumes a 20-year term. The high variable rate APR assumes a 10-year term. The high fixed and variable rate APRs both assume the Interest Only Repayment option, a thirty-seven-month deferment period, and a six-month grace period before entering repayment.

⁴ The principal reduction is based on the total dollar amount of all disbursements made, excluding any amounts that are reduced, canceled, or returned. The reward must be requested from the Servicer and the student borrower must have earned a bachelor’s degree or higher and must provide proof of graduation along with proof of the borrower’s or cosigner’s current AAA membership to the Servicer. This reward is available once during the life of the loan, regardless of whether the student borrower receives more than one degree.

⁵ The minimum loan amount is $1,000, except for (a) student applicants who are permanent residents of Iowa in which case the minimum loan amount is $1,001, and (b) student applicants or cosigners who are permanent residents of Massachusetts in which case the minimum loan amount is $6,001. The maximum loan amount to cover in-school expenses for each academic year is determined by the school’s cost of attendance, minus other financial aid, as certified by the school. The requested loan amount cannot cause an individual student applicant’s aggregate education loan debt (which includes federal and private student loans) to exceed $300,000 per student applicant applying for an undergraduate loan or $350,000 per student applicant applying for a graduate or graduate certificate loan. The requested loan amount cannot cause the aggregate education loan debt of a cosigner, applying jointly for a AAA Advantage loan, to exceed $999,999.99.

⁶ Earn a 0.25% interest rate reduction for making automatic payments from a bank account (“auto pay discount”) by completing the direct debit form accessible on the Servicer’s website. The auto pay discount is in addition to other discounts. The auto pay discount will be applied after the Servicer validates your bank account information. Automatic payments and the associated discount will be temporarily discontinued (1) if you elect to stop automatic deduction of payments and (2) during periods when you are not required to make payments. The discount will be permanently discontinued in the event three automatic deductions are returned by the financial institution for any reason.

⁷ The 15- and 20- year term and Flat Payment Repayment option (paying $25 per month during in-school deferment) are only available for loan amounts of $5,000 or more. Making interest only or flat interest payments during deferment will not reduce the principal balance of the loan. Payment examples (all assume a 20-month deferment period, a six-month grace period before entering repayment, the summer savings rate discount of 0.50% applicable to applications submitted between 12:00:01am ET on July 1, 2026 and 11:59:59pm ET on July 31, 2026, no auto pay discount, and the Interest Only Repayment option): 5 year term: $10,000 loan, one disbursement, with a 5-year repayment term (60 months) and a 7.01% APR would result in a monthly principal and interest payment of $198.06. 7-year term: $10,000 loan, one disbursement, with a 7-year repayment term (84 months) and a 7.13% APR would result in a monthly principal and interest payment of $151.56. 10-year term: $10,000 loan, one disbursement, with a 10-year repayment term (120 months) and a 7.21% APR would result in a monthly principal and interest payment of $117.19. 15-year term: $10,000 loan, one disbursement, with, a 15-year repayment term (180 months) and a 7.32% APR would result in a monthly principal and interest payment of $91.68 20-year term: $10,000 loan, one disbursement, with, a 20-year repayment term (240 months) and a 7.42% APR would result in a monthly principal and interest payment of $80.07.

⁸ Interest Only or Flat Payment Repayment loans that reach at least 90 days delinquent during an in-school deferment period will automatically transition to the Full Deferment Repayment option. Under these circumstances, the interest rate on an original Interest Only loan will increase by one percentage point (1.00%) and the interest rate on an original Flat Payment Repayment loan will increase by one quarter of one percentage point (0.25%). Credit reporting prior to the transition of a loan to the Full Deferment Repayment option will remain on your record. Any unpaid accrued interest at the end of an in-school deferment period may be capitalized in accordance with the Credit Agreement.

⁹ The student borrower must meet certain credit and other criteria, and 12 consecutive monthly principal and interest payments or lump sum payments equal to 12 monthly principal and interest payments must have been received by the Servicer during any 12-month period. While a loan is in a reduced repayment plan or while a request for a reduced payment plan is pending, borrowers are not eligible to apply for cosigner release.

¹⁰ The legal age of majority is 18 years of age in every state except Nebraska (19 years old, only for wards of the state), and Puerto Rico (21 years old).