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* Student Loan Refinancing & Private Student Loan Rate and Terms Disclosure: Annual Percentage Rates (APR) ranges and examples are based on information provided to Purefy by lenders participating in Purefy’s rate comparison platform. For student loan refinancing, the participating lenders offer fixed rates ranging from 2.55% – 6.42% APR, and variable rates ranging from 1.99% – 5.64% APR. For private student loans, the participating lenders offer fixed rates ranging from 3.30% – 14.50% APR, and variable rates ranging from 1.04% – 12.96% APR. The maximum variable rate for both student loan refinancing and private student loans is 25.00%. Your interest rate will be based on the lender’s requirements. In most cases, lenders determine the interest rates based on your credit score, degree type and other credit and financial criteria. Only borrowers with excellent credit and meeting other lender criteria will qualify for the lowest rate available. The information obtained on this site is based on what participating lenders have provided to Purefy. We do our best to make sure our rates are up to the minute, but your final rate, if eligible, will be confirmed when you apply for a loan with a lender. Lender eligibility criteria and rates may change at any time. Logos and other trademarked items are properties of the lenders and used by permission on this site. This site is not endorsed or affiliated with the U.S. Department of Education. Please note that Purefy may be compensated by lenders if you complete the loan process. Purefy reserves the right to modify or discontinue products and benefits at any time without notice. Purefy does not charge any fees for using the comparison platform, and no participating lender charges origination fees or prepayment penalties.

‡ Savings examples are based on real Purefy customers who refinanced their student loans between 9/10/2020 and 1/15/2021. Actual amounts saved will vary depending upon a number of factors.

2 Earnest Rate Disclosure:

Earnest’s fixed rate loan rates range from 2.98% APR (with autopay) to 5.79% APR (with autopay). Variable rate loan rates range from 1.99% APR (with autopay) to 5.64% APR (with autopay). For variable rate loans, although the interest rate will vary after you are approved, the interest rate will never exceed 8.95% for loan terms of 10 years or less. For loan terms of 10 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% (the maximum rates for these loans). Earnest variable interest rate loans are based on a publicly available index, the one month London Interbank Offered Rate (LIBOR). Your rate will be calculated each month by adding a margin to the one 0.31% and 4.96% to the one month LIBOR. The rate will not increase more than once per month LIBOR. Earnest rate ranges are current as of 1/8/2021 and are subject to change based on market conditions and borrower eligibility.

3 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 2.55% to 6.42% 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.

4 PenFed Rate Disclosure:

Fixed Rate Loan Terms: 5 years/60 monthly payments, 8 years/96 monthly payments, 12 years/144 monthly payments or 15 years/180 monthly payments. Annual Percentage Rate [APR] is the cost of credit calculating the interest rate, loan amount, repayment term and the timing of payments. Fixed rates range from 2.99% to 5.15% APR [low to high range]. Variable rates range from 2.16% to 4.46% APR [low to high range]. Rates are subject to change without notice. Fixed APR: Fixed rates will not change during the term. This rate is expressed as an APR. Since there are no fees associated with this loan offer, the APR is the same percentage as the actual interest rate of the loan. Variable APR: Variable rates are based on the one-month London Interbank Offered Rate (“LIBOR”) published in The Wall Street Journal on the twenty-fifth day, or the next business day, of the preceding calendar month. As of March 1, 2021, the one-month LIBOR rate is 0.12%. Variable interest rates range from 2.16% to 4.46% (2.16% to 4.46% APR) and will fluctuate over the term of the borrower’s loan with changes in the LIBOR rate, and will vary based on applicable terms, level of degree earned and presence of a co-signer. The maximum variable rate on the student refinance loan is 9.00% for 5-year and 8-year terms, and 10.00% for 12-year and 15-year terms. The floor rate is 2.00%. These rates are subject to additional terms and conditions, and rates are subject to change at any time without notice. Such changes will only apply to applications taken after the effective date of change.

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