Discover Student Loans
Discover Bank
4.4
4.49%–14.99% APR$1,000+Fee: NoneMin credit: 660+
APR Range
4.49%–14.99%
Loan Amount
$1,000+
Term
120–180 mo
Origination Fee
None
Our take
Discover offers a unique cash reward for good grades on top of competitive rates and zero fees. Solid choice for undergrads and grads.
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Full details
| Minimum loan amount | $1,000 |
| Lowest APR | 4.49% |
| Highest APR | 14.99% |
| Shortest term | 120 months |
| Longest term | 180 months |
| Origination fee | None |
| Minimum credit score | 660+ |
Frequently asked questions
What is the APR range for Discover Student Loans?
Discover Student Loans offers APR from 4.49% to 14.99%. Your actual rate depends on creditworthiness, loan amount, and term length.
How much can I borrow with Discover Student Loans?
Loan amounts range from $1,000+. The amount you qualify for depends on your income, credit score, and existing debt.
What credit score do I need for Discover Student Loans?
A minimum credit score of 660 is typically required. However, meeting the minimum doesn't guarantee approval — lenders also consider income, debt-to-income ratio, and employment history.
Does Discover Student Loans charge an origination fee?
No, Discover Student Loans does not charge an origination fee, which means 100% of your approved loan amount is disbursed to you.
Is Discover Student Loans worth it?
Discover offers a unique cash reward for good grades on top of competitive rates and zero fees. Solid choice for undergrads and grads.
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Verified Apr 2026
Discover Student Loans