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Compare Private Student Loan Lenders

Lender
Benefits

Sallie Mae student loans

  • Variable Rates: 1.62% APR - 11.73% APR. Fixed Rates: 3.75% APR - 12.85% APR. Lowest rates shown include 0.25% interest rate discount with auto debit payments.1
  • Apply online in minutes and receive an instant credit result2
  • Multiple repayment options from in-school payments to deferred.1 No origination fee or prepayment penalty3
  • You may be 4X more like to be approved with a cosigner4 and it may help you get a better rate.
  • Only undergraduate student loan that offers 4 months of free Chegg® study help5
  • Borrow up to 100% of school-certified expenses, whether you're online or on campus6
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The undergraduate student loan that puts you in control

Make payments while in school to lower total loan costs, or defer until after graduation.1

  • Variable Rates: 1.62% APR - 11.73% APR. Fixed Rates: 3.75% APR - 12.85% APR. Lowest rates shown include 0.25% interest rate discount with auto debit payments.1
  • Apply online in minutes and receive an instant credit result2
  • Multiple repayment options from in-school payments to deferred.1 No origination fee or prepayment penalty3
  • You may be 4X more like to be approved with a cosigner4 and it may help you get a better rate.
  • Only undergraduate student loan that offers 4 months of free Chegg® study help5
  • Borrow up to 100% of school-certified expenses, whether you're online or on campus6
Sallie Mae Private Student Loan Full Terms and Information

College Ave student loans

  • Competitive fixed and variable APRs starting at 1.19%1
  • Multiple repayment options including: full principal and interest, interest-only, deferred, and flat payment
  • Flexible payment terms ranging from 5, 8, 10, and 15 years2
  • Coverage up to 100% of your school-certified cost of attendance ($1,000 minimum)3
  • No origination, application and processing fees, no fees for early repayment
  • Apply online in 3 minutes and get an instant credit decision
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Get the money you need for school quickly and at a great price.

  • Low rates, free to apply, and no disbursement fees
  • 0.25% interest rate reduction when you make payments by automatic debit1
  • Borrow up to 100% of the school-certified cost of attendance (minimum $1,000)3
  • The most repayment choices - and help making sense of them
  • No penalty for early repayment

We get it. You want to pay as little interest as possible and have monthly payments you can afford. That's why the College Ave Student Loan Product has low rates and multiple repayment options to help you manage the total cost of the loan.

College Ave Student Loan Full Terms and Information
Income Based Repayment

Edly No Cosigner Required

  • MUST BE a US citizen or permanent resident
  • MUST BE a college junior, college senior, or grad student
  • No co-signer required
  • Get approved in minutes. Pre-qualify without affecting your credit score
  • Income-based repayment with built-in protections, like deferred payments if you lose your job
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A no-cosigner, income-based repayment loan

Edly IBR Loan Full Terms and Information

Nelnet student loans

  • Variable: 1.26% - 10.40% APR (with auto debit discount) Fixed: 3.34% - 11.68% APR (with auto debit discount)1
  • Multiple Loan Terms
  • Auto Debit Savings2
  • Easy Cosigning and Cosigner Release3
  • Flexible Repayment Options
  • No Origination Fees
  • Member FDIC

Lowest rates listed above include an interest rate reduction for eligible applications, enrollment in auto debit, and are available only to the most creditworthy applicants. Advertised variable rates reflect the starting range of rates and may increase over the life of the loan. [See Disclaimer]

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Nelnet Bank is backed by Nelnet Inc., a company with 40+ years of experience helping over 30,000,000 students successfully complete their student loan journey. So Nelnet Bank knows what student loan success looks like. Offering flexible loan solutions and expert guidance, we're with you every step of the way.

Nelnet Bank Student Loan Full Terms and Information

Elfi student loans

  • Prequalification: Prequalify to estimate your rate without affecting your credit score
  • Online Application Process: Submit online application in minutes
  • Flexible Repayment Options: ELFI offers immediate, interest only, partial payment, and fully deferred repayment options
  • No Fees: No application fees, origination fees, or prepayment penalties
  • Low Rates: Fixed rates from 3.20% to 11.99% and variable rates from 1.30% - 11.52%
  • Award winning Customer Service: Individually paired Student Loan Advisor to guide you through the application process
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Education Loan Finance (also known as ELFI) is a division of Tennessee-based SouthEast Bank which launched in 2015 and is designed to assist borrowers with student loan refinancing as well as with undergraduate, graduate and parent private student loans.
ELFI Private Student Loan Full Terms and Information

Ascent student loans

  • AFFORDABLE variable rates starting at 1.64% APR with Automatic Debit Discount*
  • 1% CASH BACK Graduation Reward*
  • NON-COSIGNED option may be available for undergraduate juniors and seniors.
  • PAY AFTER LEAVING SCHOOL – Customize your loan with flexible repayment options – start payments after graduation.
  • FORGET FEES – No application, origination or disbursement fees. No prepayment penalty if you choose to pay your loan off early.
  • COVER UP TO 100% of your tuition and eligible living expenses.
Learn More »

Ascent Cosigned & Non-Cosigned Student Loans

Student loans should expand your possibilities, not limit them. Ascent’s private student loan gives students more opportunities to qualify for a loan! Ascent offers benefits that put students first, like 1% Cash Back at graduation and more…

Finally, a loan designed with you in mind.

  • AFFORDABLE variable rates starting at 1.64% APR with Automatic Debit Discount*
  • 1% CASH BACK Graduation Reward*
  • NON-COSIGNED option may be available for eligible undergraduate juniors and seniors.
  • PAY AFTER LEAVING SCHOOL – Customize your loan with flexible repayment options – start payments after graduation.
  • FORGET FEES – No application, origination or disbursement fees. No prepayment penalty if you choose to pay your loan off early.
  • COVER UP TO 100% of your tuition and eligible living expenses.
Ascent Cosigned and Non-Cosigned Student Loan Full Terms and Information

SoFi student loans

  • Variable Rates: Starting variable rates range from 1.69% APR - 11.97% APR (with autopay)*, and will never exceed 13.95% (sometimes lower in certain states as required by law)
  • Fixed Rates: Fixed rates range from 3.47% APR to 11.16% APR (with autopay)*
  • Easy online application!
  • No origination fees, late fees, and no insufficient fund fees. Period
  • Up to four repayment types (including no payments while in school) and multiple repayment terms help you find the loan that fits your budget
  • 0.25% discount when you set up autopay*
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Get competitive-rate in-school loans that work for you. SoFi makes the process simple—so paying for school is stress-free.

  • You can see if you’ll qualify and what rate you’ll get without a hard credit check.
  • Multiple in-school repayment options available, including interest-only and flat-fee, and deferred for undergrad and grad students.
  • Additional perks like career planning, job search assistance and entrepreneurship support available.
SoFi Private Student Loans Full Terms and Information

Funding U student loans

  • Up to $15,000 per academic year with no cosigner required
  • Fixed Rates (APR) from 7.99% to 12.49% (plus an additional 0.5% discount for ACH auto-payments)*
  • No origination fee. No late payment fees. No prepayment penalties.
  • Quick prequalification and rate check that won’t impact your credit
  • Multiple repayment options
  • Dedicated loan officer for every borrower
Learn More »

Funding U offers a merit-based, no-cosigner student loan for high-achieving undergraduate students.

Funding U Full Terms and Information
Income Share Agreement

Stride Income Share Agreements

  • No accruing interest!1
  • Payments based on a fixed percentage of future income
  • Lower (or no) payments when you're unemployed or underemployed.
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Stride Funding Income Share Agreements

Stride Funding offers students flexible ways to pay for their education with Income Share Agreements (ISAs).

  • No accruing interest!1
  • Payments based on a fixed percentage of future income
  • Lower (or no) payments when you're unemployed or underemployed.
  • Innovative alternative to traditional student loans.
  • Grace period after graduation before payments begin.
  • Pause payments for certain life events.
  • Graduate students or second Bachelor's only (Must have Bachelor's degree).
Stride Funding Income Share Agreement Full Terms and Information

PrivateStudentLoans.com always recommends that students explore all of their financial aid options, from scholarships and grants to federal student loans, in addition to learning more about private student loans.

Edvisors cannot guarantee financial aid and loan eligibility for site users. Please check with your school or your lender directly for information related to your personal eligibility. Lenders that participate may not offer products to every school.

Edvisors Network receives compensation from the lenders on this site for referrals and the compensation may impact how and where the lender products appear on the site.

Illinois residents, please click on this link.

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