2021 NerdWallet Best-of Awards Winner for Best Student Loan Refinancing Overall
2021 NerdWallet Best-Of Awards Winner
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Student Loan Refinance

Private Student Loans

efli-lender

Purefy Rating

Fixed Rate

4.29% – 7.29% APR 4

Variable Rate

2.48% – 7.98% APR 4
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  • No maximum loan amount
  • Up to 12 months of forbearance if you experience financial hardship
  • Borrowers can refinance Parent PLUS loans in their own name
4 Lender Disclosures
efli-lender
Purefy Rating
Check Rates
Fixed Rate
4.29% - 7.29% APR 4
Variable Rate
2.48% - 7.98% APR 4
  • No maximum loan amount
  • Up to 12 months of forbearance if you experience financial hardship
  • Borrowers can refinance Parent PLUS loans in their own name

Purefy Rating

Fixed Rate

3.99% – 8.24% APR 3

Variable Rate

2.49% – 8.24% APR 3
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  • Free career planning, job search, and entrepreneurship support
  • Forbearance options for financial hardship, natural disasters, and military service
  • 98% of surveyed customers would recommend SoFi to a friend
3 Lender Disclosures
Purefy Rating
Check Rates
Fixed Rate
3.99% - 8.24% APR 3
Variable Rate
2.49% - 8.24% APR 3
  • Free career planning, job search, and entrepreneurship support
  • Forbearance options for financial hardship, natural disasters, and military service
  • 98% of surveyed customers would recommend SoFi to a friend
earnest

Purefy Rating

Fixed Rate

3.74% – 8.49% APR 2

Variable Rate

2.49% – 7.99% APR 2
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  • Lightning-fast loan processing
  • Up to 12 months financial hardship deferment
  • Doesn’t offer cosigned loans
2 Lender Disclosures
earnest
Purefy Rating
Check Rates
Fixed Rate
3.74% - 8.49% APR 2
Variable Rate
2.49% - 7.99% APR 2
  • Lightning-fast loan processing
  • Up to 12 months financial hardship deferment
  • Doesn’t offer cosigned loans

Purefy Rating

Fixed Rate

3.94% – 8.48% APR 5

Variable Rate

Not Offered
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  • Loans available in all states except Maine and Oregon
  • Loan forgiveness if the borrower dies or becomes totally and permanently disabled
  • Options to postpone payments due to qualifying financial hardships
5 Lender Disclosures
ISL-Education-Lending
Purefy Rating
Check Rates
Fixed Rate
3.94% - 8.48% APR 5
Variable Rate
Not Offered
  • Loans available in all states except Maine and Oregon
  • Loan forgiveness if the borrower dies or becomes totally and permanently disabled
  • Options to postpone payments due to qualifying financial hardships
earnest

Purefy Rating

Fixed Rate

3.22% – 12.78% APR 1

Variable Rate

1.34% – 11.44% APR 1
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  • Long 9-month grace period after graduation
  • Option to skip a payment once a year
  • Rate matching program ensures you receive the best deal available
1 Lender Disclosures
earnest
Purefy Rating
Check Rates
Fixed Rate
3.22% - 12.78% APR 1
Variable Rate
1.34% - 11.44% APR 1
  • Long 9-Month grace period after graduation
  • Option to skip a payment once a year
  • Rate matching program ensures you receive the best deal available
efli-lender

Purefy Rating

Fixed Rate

3.20% – 11.99% APR 4

Variable Rate

1.88% – 11.80% APR 4
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  • Every applicant is assigned a dedicated Student Loan Advisor
  • Easy, 100% online loan application
  • Academic deferment available if you pursue a graduate degree
4 Lender Disclosures
efli-lender
Purefy Rating
Check Rates
Fixed Rate
3.20% - 11.99% APR 4
Variable Rate
1.88% - 11.80% APR 4
  • Every applicant is assigned a dedicated Student Loan Advisor
  • Easy, 100% online loan application
  • Academic deferment available if you pursue a graduate degree

Purefy Rating

Fixed Rate

3.79% – 14.75% APR​ 3

Variable Rate

2.47% – 12.87% APR 3
Check Rates
  • Non-cosigned loans considered based on school, program, major, and other non-credit criteria
  • 1% Cash Back Graduation Reward program
  • Cosigner release available after 12 months of on-time, consecutive monthly payments
3 Lender Disclosures
Purefy Rating
Check Rates
Fixed Rate
3.79% - 14.75% APR​ 3
Variable Rate
1.88% - 11.80% APR 4
  • Non-cosigned loans considered based on school, program, major, and other non-credit criteria
  • 1% Cash Back Graduation Reward program
  • Cosigner release available after 12 months of on-time, consecutive monthly payments
college ave student loans

Purefy Rating

Fixed Rate

3.22% – 13.95% APR 2

Variable Rate

2.49% – 13.85% 2
Check Rates
  • Allows biweekly payments via autopay for faster payoff
  • Fast decisioning process (3 minute credit decision)
  • $150 cash back for completing your course of study
2 Lender Disclosures
college ave student loans
Purefy Rating
Check Rates
Fixed Rate
3.22% - 13.95% APR 2
Variable Rate
2.49% - 13.85% 2
  • Allows biweekly payments via autopay for faster payoff
  • Fast decisioning process (3 minute credit decision)
  • $150 cash back for completing your course of study

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Customer Success Stories

This had to be the best experience that I have ever had trying to get a loan.

– Mary B.
New Jersey

The interest rate I got was a few points lower than the next best offer.

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Florida

Just want to say thank you to all the folks who helped us out. Without you we would have been lost.

– Richard G.
Vermont

Tips From Our Student Loan Advisors

Tips on Private Student Loans

For students and parents looking at college loans, make sure to explore your options thoroughly before deciding to take out any private loans. Exhaust all potential federal grants and loans first, and apply for tons of scholarships. If you still need to take out private loans to cover additional costs, our Compare Rates tool is a great place to start.

Kelsey
KelseyStudent Loan Advisor

Tips on Credit Scores

The most common uncertainty most borrowers have is credit score. Sign up for an accountable and reputable free credit report app, so that you can monitor your credit and see where you stand. These apps can help give you an idea of how much you can afford, and how to approach the refinancing process.

Shannon
ShannonStudent Loan Advisor

Tips on Comparing Rates & Lending

Shop around and know what questions to ask. Rate comparison tools like ours are great, but also don’t be afraid to pick up the phone if you have a question about something like deferment policies or if you can set up multiple payments in the same billing cycle (which saves you money).

Donovan
DonovanStudent Loan Advisor
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Learn All About Refinancing Parent Loans

Get the details on parent loan refinancing with easy-to-read guides – including key benefits, pros and cons, how you can save big on interest, and how you can pay off parent loan debt faster.

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Essential Student Loan Tips

Get all your questions about student loans answered – including which types of student loans are available, the differences between federal and private student loans, how to apply for student loans, and other ways to pay for college.

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ELFI Rate Disclosure

4 ELFI Rate Disclosure:

Education Loan Finance is a nationwide student loan debt consolidation and refinance program offered by Tennessee based SouthEast Bank. ELFI is designed to assist borrowers through consolidating and refinancing loans into one single loan that effectively lowers your cost of education debt and/or makes repayment very simple. Subject to credit approval. See Terms & Conditions. Interest rates current as of 09-01-2022. The interest rate and monthly payment for a variable rate loan may increase after closing, but will never exceed 9.95% APR. Interest rates may be different from the rates shown above and will be based on the term of your loan, your financial history, and other factors, including your cosigner’s (if any) financial history. For example, a 10-year loan with a fixed rate of 6% would have 120 payments of $11.00 per $1,000 borrowed. Rates are subject to change.

SoFi Rate Disclosure

3 SoFi Rate Disclosure:

Fixed rates range from 3.99% APR to 8.24% APR with a 0.25% autopay discount. Variable rates from 2.24% APR to 7.99% APR with a 0.25% autopay discount. Unless required to be lower to comply with applicable law, Variable Interest rates on 5-, 7-, and 10-year terms are capped at 8.95% APR; 15- and 20-year terms are capped at 9.95% APR. Your actual rate will be within the range of rates listed above and will depend on the term you select, evaluation of your creditworthiness, income, presence of a co-signer and a variety of other factors. Lowest rates reserved for the most creditworthy borrowers. For the SoFi variable-rate product, the variable interest rate for a given month is derived by adding a margin to the 30-day average SOFR index, published two business days preceding such calendar month, rounded up to the nearest one hundredth of one percent (0.01% or 0.0001). APRs for variable-rate loans may increase after origination if the SOFR index increases. The SoFi 0.25% autopay interest rate reduction requires you to agree to make monthly principal and interest payments by an automatic monthly deduction from a savings or checking account. This benefit will discontinue and be lost for periods in which you do not pay by automatic deduction from a savings or checking account. The benefit lowers your interest rate but does not change the amount of your monthly payment. This benefit is suspended during periods of deferment and forbearance. Autopay is not required to receive a loan from SoFi.

Earnest Rate Disclosure

2 Earnest Rate Disclosure:

Actual rate and available repayment terms will vary based on your income. Fixed rates range from 3.99% APR to 8.74% APR (excludes 0.25% Auto Pay discount). Variable rates range from 2.74% APR to 8.24% APR (excludes 0.25% Auto Pay discount). Earnest variable interest rate student loan refinance loans are based on a publicly available index, the 30-day Average Secured Overnight Financing Rate (SOFR) published by the Federal Reserve Bank of New York. The variable rate is based on the rate published on the 25th day, or the next business day, of the preceding calendar month, rounded to the nearest hundredth of a percent. The rate will not increase more than once per month. The maximum rate for your loan is 8.95% if your loan term is 10 years or less. For loan terms of more than 10 years to 15 years, the interest rate will never exceed 9.95%. For loan terms over 15 years, the interest rate will never exceed 11.95%. Please note, we are not able to offer variable rate loans in AK, IL, MN, NH, OH, TN, and TX. Our lowest rates are only available for our most credit qualified borrowers and contain our .25% auto pay discount from a checking or savings account.

ISL Rate Disclosure

5 Iowa Student Loan Rate Disclosure:

Fixed Rate Loan Terms: 5 years/60 monthly payments, 7 years/84 monthly payments, 10 years/120 monthly payments, 15 years/180 monthly payments, or 20 years/240 monthly payments. Annual Percentage Rate [APR] is the cost of credit calculating the interest rate, loan amount, repayment term and the timing of payments. This rate is expressed as an APR. Fixed APRs range from 3.94% to 8.48% APR [low to high range with 0.25% auto-debit rate reduction]. Rates are subject to change without notice. Fixed rates will not change during the term. Since there are no fees associated with this loan offer, the APR is the same percentage as the actual interest rate of the loan including a 0.25% auto-debit rate reduction. These rates are subject to additional terms and conditions, and rates are subject to change at any time without notice. All estimates are based on information provided by you and are for informational purposes only, accuracy is not guaranteed and may not reflect actual rates or savings and do not constitute an offer of credit. Your actual rate, payment and savings may be different based on credit history, actual interest rate, loan amount, and term, including your cosigner [if applicable]. If applying with a cosigner, we use the higher credit score between the borrower and the cosigner for approval purposes. All loans are subject to credit approval.

Earnest Rate Disclosure

Rates displayed include the 0.25% Auto Pay discount. You can take advantage of the Auto Pay interest rate reduction by setting up and maintaining active and automatic ACH withdrawal of your loan payment from a checking or savings account. The interest rate reduction for Auto Pay will be available only while your loan is enrolled in Auto Pay. Interest rate incentives for utilizing Auto Pay may not be combined with certain private student loan repayment programs that also offer an interest rate reduction. For multi-party loans, only one party may enroll in Auto Pay. It is important to note that the 0.25% Auto Pay discount is not available while loan payments are deferred.

Actual rate and available repayment terms will vary based on your income. Fixed rates range from 3.47% APR to 13.03% APR (excludes 0.25% Auto Pay discount). Variable rates range from 1.59% APR to 11.69% APR (excludes 0.25% Auto Pay discount). Earnest variable interest rate student loan refinance loans are based on a publicly available index, the 30-day Average Secured Overnight Financing Rate (SOFR) published by the Federal Reserve Bank of New York. The variable rate is based on the rate published on the 25th day, or the next business day, of the preceding calendar month, rounded to the nearest hundredth of a percent. The rate will not increase more than once per month. Although the rate will vary after you are approved, it will never exceed 36% (the maximum allowable for this loan). Please note, Earnest Private Student Loans are not available in Nevada. Our lowest rates are only available for our most credit qualified borrowers and contain our .25% auto pay discount from a checking or savings account. It is important to note that the 0.25% Auto Pay discount is not available while loan payments are deferred.

Nine-month grace period is not available for borrowers who choose our Principal and Interest Repayment plan while in school.

Earnest clients may skip one payment every 12 months. Your first request to skip a payment can be made once you’ve made at least 6 months of consecutive on-time payments, and your loan is in good standing. The interest accrued during the skipped month will result in an increase in your remaining minimum payment. The final payoff date on your loan will be extended by the length of the skipped payment periods. Please be aware that a skipped payment does count toward the forbearance limits. Please note that skipping a payment is not guaranteed and is at Earnest’s discretion. Your monthly payment and total loan cost may increase as a result of postponing your payment and extending your term.

Loan Eligibility criteria: Eligible students must: 1) For college Freshmen, Sophomores and Juniors, attend, or be enrolled to attend, a Title IV school full-time. For college Seniors and Graduate students, attend, or be enrolled to attend, a Title IV school at least half-time; and 2) be pursuing a Bachelor’s or Graduate degree. Earnest private student loans are subject to credit qualification, completion of a loan application, verification of application information, self-certification of loan amount, and school certification.

Responsible borrowing tip: Explore all scholarship, grant and federal options before applying for a private loan.

Earnest Private Student Loans are made by One American Bank, Member FDIC. One American Bank, 515 S. Minnesota Ave, Sioux Falls, SD 57104.

Earnest loans are serviced by Earnest Operations LLC, 535 Mission St., Suite 1663 San Francisco, CA 94105, NMLS #1204917, with support From Navient Solutions, LLC (NMLS #212430). One American Bank and Earnest LLC and its subsidiaries, including Earnest Operations LLC, are not sponsored by agencies of the United States of America.

ELFI Rate Disclosure

Education Loan Finance is a nationwide student loan provider offered by Tennessee based SouthEast Bank. ELFI is designed to assist students financially with receiving their education. Subject to credit approval. See Terms & Conditions. Interest rates current as of 09-01-2022. Variable interest rates may increase after closing but will never exceed 18.00%. Interest rates may also differ from the rates shown above. The term of your loan, financial history, and other factors, including your cosigner’s (if any) financial history can affect the interest rate. For example, a 10-year loan with a fixed rate of 7% would have 120 payments of $11.61 per $1,000 borrowed. Rates are subject to change.

Ascent Rate Disclosure

Ascent Student Loans are funded by Bank of Lake Mills, Member FDIC. Loan products may not be available in certain jurisdictions. Certain restrictions, limitations; and terms and conditions may apply. For Ascent Terms and Conditions please visit: www.AscentStudentLoans.com/Ts&Cs.

Rates are effective as of 9/1/2022 and include a 0.25% on the lowest rate offered and a 2.00% discount on the highest offered rate. Automatic Payment Discount is available if the borrower is enrolled in automatic payments from their personal checking account and the amount is successfully withdrawn from the authorized back account each month. For Ascent rates and repayment examples please visit: www.AscentStudentLoans.com/Rates.

1% Cash Back Graduation Reward subject to terms and conditions. Click here for details.

College Ave Rate Disclosure

College Ave Student Loans products are made available through Firstrust Bank, member FDIC, First Citizens Community Bank, member FDIC, or M.Y. Safra Bank, FSB, member FDIC.. All loans are subject to individual approval and adherence to underwriting guidelines. Program restrictions, other terms, and conditions apply.
Rates shown include autopay discount. The 0.25% auto-pay interest rate reduction applies as long as a valid bank account is designated for required monthly payments. Variable rates may increase after consummation.
Minimum loan amount $1,000, as certified by your school and less any other financial aid you might receive.
This informational repayment example uses typical loan terms for a freshman borrower who selects the Deferred Repayment Option with a 10-year repayment term, has a $10,000 loan that is disbursed in one disbursement and a 8.35% fixed Annual Percentage Rate (“APR”): 120 monthly payments of $179.18 while in the repayment period, for a total amount of payments of $21,501.54. Loans will never have a full principal and interest monthly payment of less than $50. Your actual rates and repayment terms may vary.
Information advertised valid as of 09/15/2022. Variable interest rates may increase after consummation. Approved interest rate will depend on the creditworthiness of the applicant(s), lowest advertised rates only available to the most creditworthy applicants and require selection of full principal and interest payments with the shortest available loan term.