RISLA, for the lowest rate on a student loan fixed rates starting at 3.64% APR! (with auto-pay) visit risla.com to learn more RISLA RHODE ISLAND STUDENT LOAN AUTHORITY 1.APR: The Annual Percentage Rate (APR) reflects the total cost of the loan, including upfront fees (SO), accruing interest, and the effect of capitalized interest. Interest begins accruing after each loan disbursement. APR Assumptions: ALL EXAMPLES: Equal disbursements of $5000 in September and January. Rate disclosed includes .25% discount for using ACH auto-pay feature. RISLA, for the lowest rate on a student loan fixed rates starting at 3.64 % APR ! (with auto-pay) visit risla.com to learn more RISLA RHODE ISLAND STUDENT LOAN AUTHORITY 1.APR: The Annual Percentage Rate (APR) reflects the total cost of the loan, including upfront fees (SO), accruing interest, and the effect of capitalized interest. Interest begins accruing after each loan disbursement. APR Assumptions: ALL EXAMPLES: Equal disbursements of $ 5000 in September and January . Rate disclosed includes .25 % discount for using ACH auto-pay feature.