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Choosing a student loan?
You're in the right place.


We understand that loans can be complicated. That’s why we’re here.  

As Vermont’s nonprofit state agency, we can help you learn about and apply for grants and scholarships (“gift aid”) so that you borrow only what you need. We’ll help you understand the difference between federal loans and “private loans” (they're not created equal) and what your choice of interest rate and repayment plan can actually mean in dollars and cents so that you can minimize your monthly payments and the amount you’ll pay in the long term. We call it Know More. Borrow Less. 

Wherever you’re at in the process, there’s something here for you.

VSAC offers loans with fixed interest rates from 3.79%–6.72% APR — for undergraduate, graduate/professional students and parents.

Your fixed interest rate will be based on the repayment plan you choose; your fees will be based on your credit rating. Your final APR is based on both your credit and the repayment option you choose.