Abe Student Loans review

Updated September 28, 2026 · BorrowCue Editorial Team · Facts checked September 26, 2026

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Our verdict

Abe Student Loans is a direct US student lender for borrowers who want a fee-free fixed-rate private student loan. Rates run 2.08% to 16.58% on amounts of $1,000 to $300,000, soft prequalification means checking an offer leaves no hard mark, and early repayment costs nothing.

Key facts

Best for
US students covering a gap after aid, wanting a fixed rate with no origination fee.
APR
2.08% to 16.58% (Source, checked September 26, 2026)
Loan amount
$1,000 to $300,000 (Source, checked September 26, 2026)
Term
60 to 240 months (Source, checked September 26, 2026)
Arrangement fee
$0 (no origination fees) (Source, checked September 26, 2026)
Credit check
Soft prequal (Source, checked September 26, 2026)
Representative example
Abe Undergraduate Loans: $10,000 loan, one disbursement, 5-year repayment term (60 months), 9.00% APR, monthly principal and interest payment of $237.24 (Source, checked September 26, 2026)
Rate type
Fixed (Source, checked September 26, 2026)
Lender type
Direct lender (Source, checked September 26, 2026)
Free early repayment
Yes (Source, checked September 26, 2026)
Eligibility
Enrolled or enrolling in a degree-granting program at an eligible institution; legal age of majority in your state or at least 17 with a qualifying cosigner; US citizen, permanent resident alien, or Eligible Non-Citizen (DACA recipient), or international student, applying with an eligible US citizen or permanent resident cosigner (Source, checked September 26, 2026)
Origination fee (%)
0% (Source, checked September 26, 2026)
Loan types
Student (Source, checked September 26, 2026)
Legal entity
Monogram LLC (Source, checked September 26, 2026)
Headquarters
United States (Source, checked September 26, 2026)
Founded
2024 (Source, checked September 26, 2026)
Support channels
Phone, Email (Source, checked September 26, 2026)
Pricing model
Fixed rate
Official website
abestudentloans.com

Apps and profiles

Elsewhere
Trustpilot

Pros and cons

Pros

  • Origination fee of $0 (no origination fees) on every loan it makes
  • Fixed rates only, so payments hold steady across the term of 60 to 240
  • Soft prequalification, less risky than a hard credit check before applying
  • Free early repayment, so paying ahead cuts the interest bill

Cons

  • Repayment starts at the shortest term in the private student loan ranking, so monthly payments are higher
  • Rates reach 2.08% to 16.58% at the top of the range, well above the ranking median of 8.97%
  • Support runs on phone and email only, with no help centre or in-app chat
Abe Student Loans

Ready to try Abe Student Loans?

Scored 9.0 / 10 by BorrowCue.

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Who it suits

  • US students and international students applying with a US cosigner
  • Borrowers who have already exhausted federal aid and scholarship money
  • Anyone who wants a fixed rate and a fee-free loan from a direct lender

Who should look elsewhere

  • International students with no eligible US citizen or permanent resident cosigner
  • Borrowers who want a variable rate, a credit line or in-app support
  • Anyone outside the US, since Abe lends only through US

Safety and regulation

Abe is a direct lender, so the loan comes straight from the company that services it, with no broker in between. It is registered with the 2542102, the US licensing system for mortgage and lending businesses. Its representative example shows an undergraduate loan with a single disbursement repaid over 60 to 240 at a fixed rate, which is the clearest way to see what the borrowing really costs.

Who runs it

The lender is Monogram LLC, based in the United States and operating since 2024. Because it lends its own money rather than brokering, servicing sits with the same company that originated the loan. Borrower support runs on phone and email, and the 2542102 registration lets you look the entity up in the US licensing register.

How Abe Student Loans compares

Where Abe Student Loans is available

Available
United States
Licence in United States
NMLS (National Mortgage Licensing System) (2542102), checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

How much does an Abe Student Loan cost to take out?+

There is no fee for taking the loan out. The origination fee is $0 (no origination fees), so the amount you borrow is the amount you repay interest on. All Abe loans are fixed rate, which keeps the monthly payment predictable.

What APR will I pay?+

Abe quotes an APR of 2.08% to 16.58% depending on your situation, set against a private student loan ranking median of 8.97%. Because the rate is fixed for the whole term, a higher starting rate does not climb over time.

How much can I borrow and over what term?+

Loan amounts run $1,000 to $300,000 and terms run 60 to 240, so the ceiling covers a full postgraduate course while the shortest term keeps monthly payments higher. Abe covers student loans only, making it a gap filler rather than a general borrowing option.

Does applying hurt my credit score?+

Abe uses a soft prequal, so seeing an offer does not count as a hard credit check on your file. In the private student loan ranking, soft prequalification is far less common than a hard check, so this saves a round of credit applications if the offer is not right.

Can I pay the loan off early?+

Yes. Free early repayment is included, so overpaying without a charge reduces the interest you owe. Most lenders in the private student loan ranking also allow it, but Abe states it plainly for undergraduate borrowing, so paying ahead during a course or after graduation costs nothing extra.

Who can apply?+

Applicants must be studying, or about to study, on a degree course at an institution Abe accepts. Citizens, permanent residents and eligible non-citizens such as DACA recipients can apply on their own, while an international student applies alongside a cosigner who is a US citizen or permanent resident. A qualifying cosigner also covers anyone under the age of majority in their state.

Is Abe regulated and who holds my money?+

Abe lends as a direct lender under the 2542102, so the company that makes the loan also services it and collects payments. Its registered legal entity is Monogram LLC, based in the United States and operating since 2024, and that registration can be checked in the US licensing register.

How do I get help with the loan?+

Support runs on phone and email, so you can call or email the servicer directly. A help centre is also among the most common support options in this category, worth checking if you prefer self-service.

Sources

  • abestudentloans.com checked September 26, 2026

    Backs: Credit check, Legal entity, Pricing model, Arrangement fee, Origination fee (%), Rate type, Representative example, Support channels, Licences

    “In order to estimate your available rates and loan options, with your authorization, DR Bank will initiate a soft credit inquiry”

  • abestudentloans.com/about-abe-student-loans checked September 26, 2026

    Backs: Lender type, Loan types

    “Abe is originated by Monogram LLC and funded by DR Bank, Member FDIC”

  • abestudentloans.com/loan-details checked September 26, 2026

    Backs: Loan amount, APR, Eligibility, Term

    “Abe lets you borrow as little as $1,000 or up to your school's total certified cost of attendance ... The limit is $300,000 for Undergraduate programs”

  • abestudentloans.com/press-releases checked September 26, 2026

    Backs: Founded, Headquarters

    “a new product called AbeSM launches today”

  • abestudentloans.com/student-loans/undergraduate checked September 26, 2026

    Backs: Free early repayment

    “Nope. You can pay off your loan at any time with no prepayment penalties.”

Compiled from 5 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Funding time.

Abe Student Loans

Abe Student Loans

US students covering a gap after aid, wanting a fixed rate with no origination fee.

9.0/10See alternatives

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