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Compare Student Loan Refinance Lenders

Lender
Benefits
  • Competitive fixed and variable APRs starting at 1.04%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
  • Variable Rates: 1.13% APR - 11.23% APR. Fixed Rates: 3.50% APR - 12.60% APR. Lowest rates shown include the auto debit discount.1
  • Choose from multiple repayment options, including no payments while in school1
  • No origination fee or prepayment penalty2
  • Cover up to 100% of your school-certified college expenses like tuition, fees, books, housing, meals, travel, and even a laptop for the entire school year3
  • The only undergraduate student loan that offers 4 months of Chegg® study help 4
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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

  • Competitive variable rate starting from 1.13% APR to 11.23% APR and fixed rate starting from 3.50% APR to 12.60% APR. Lowest rates shown include the auto debit discount.1
  • No origination fee or prepayment penalty2
  • Easy online application accessible on all devices
  • Get a 0.25 percentage point interest rate reduction while enrolled in and making monthly payments by automatic debit1
  • You can apply for the funds you need to cover all your school-certified expenses for the entire school year including tuition, fees, books, supplies, housing, meals, travel, and even a laptop whether you're studying online or on campus3
Sallie Mae Private Student Loan Full Terms and Information
  • Competitive fixed & variable rates starting at 3.99% APR1
  • Flexible 5, 10, or 15-year terms
  • Award-winning customer service every step of the way
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CommonBond Private Student Loan

Student loans pay for college or graduate school at thousands of schools across the country

Seeking private loans to finish your undergraduate or graduate degree? CommonBond is one of the leading private lenders with competitive interest rates, and excellent repayment terms. Get the help you need to pay for school with CommonBond. We’ve got your back with competitive rates, award-winning service, borrower protections, and multiple repayment options. No hidden fees, no double-digit APRs here. And we offer resources to help you make the right personal finance choices.

We’re on a mission to make student loans more affordable, more transparent, and easier to manage. We provide choices and support every step of the way, and take pride in being a partner on your educational journey. And the best part? With CommonBond, you’ll always receive a competitive rate. No double-digit interest rates here.

Here’s what you get when you choose CommonBond:

  • Flexibility: Since everyone's financial situation is different, we provide flexibility — so you can make the best decision for yourself –
    • Borrow up to 100% of your school's cost of attendance.
    • Loan terms of 5, 10, and 15 years, each available at both fixed and variable rates.
    • Multiple repayment options, from paying as you go while in school (in exchange for a lower rate) to completely postponing payments until you graduate.
  • Service: Our award-winning Care Team is available by phone, email, and live chat to answer any questions you have. Breathe easy — our experts know what you're going through!
  • Simplicity: With our easy online application, you can get approved in minutes. There are no pre-payment penalties and no hassles. No kidding.
  • Resources: We provide expert content, helpful webinars, and easy-to-use tools to help you understand the impact of your choices — so you can make the right decisions.
  • Social Promise: Your loan makes a difference. For every loan we fund we also fund the education of a child in need. We're the first — and only — lender to make that promise.
CommonBond Private Student Loan Full Terms and Information
  • AFFORDABLE variable rates starting at 1.85% 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.
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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 1.85% 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
  • Borrow up to 100% of your school-certified cost of attendance (including tuition, housing, books and more) minus other financial aid. Aggregate loan limits apply.
  • Get rewarded for good grades1
  • Variable rates: 1.12% - 11.87% APR2 (The interest rate ranges shown for Discover represent the lowest and highest APRs offered on Discover student loans, including undergraduate, graduate, health professions, law and MBA loans. Lowest fixed and variable starting APRs shown are available to the most creditworthy applicants for undergraduate loans and include an interest-only repayment discount and a 0.25% interest rate reduction while enrolled in automatic payments)
  • Zero fees
  • Apply in 15 minutes or less
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Discover® Student Loans

  • Choice of fixed or variable interest rate
  • Students may have the option to apply with a creditworthy cosigner. Adding a cosigner may improve the likelihood for loan approval and a lower interest rate.
  • Applying online is quick and easy and our knowledgeable, US-based Student Loan Specialists are ready to help you anytime 24/7.
  • Tools and information at DiscoverStudentLoans.com can help students and parents through each step of the process — from exploring financial aid to repaying student loans.
  • Payments can be made anytime to help reduce the overall cost of the loan and there is never a penalty for prepaying.
Discover® Student Loans Full Terms and Information
  • Variable Rates: Starting variable rates range from 0.95% APR - 11.78% APR (with autopay)*, and will never exceed 13.95% (sometimes lower in certain states as required by law)
  • Fixed Rates: Fixed rates range from 4.08% APR to 10.90% 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
  • Variable rates as low as 1.96% APR1; Fixed rates as low as 3.69% APR1
  • Rates include 0.50% automated payment discount1, 2
  • Displayed rates are for well-qualified applicants who choose the immediate repayment option at a 5-year term1
  • 5, 10 or 15-year repayment terms available (rates may vary)1
  • No application fees or origination fees.
  • An easy student loan application with a preliminary decision in minutes.
  • Cosigner Release option available.3
  • Get the money you need for tuition, room and board, books and other expenses.
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PNC Solution Loan®

We're here to help you get ready for college with a PNC Solution Loan®, a private student loan designed to fill the gap when government loans and financial aid don't cover all of your expenses.

  • Choose a fixed or variable rate.
  • 5,10, or 15-year repayment term (rates may vary)1
  • Immediate, interest-only payments while in school or full deferment repayment options.4
  • 0.50% interest rate discount with automated payments.2
  • Applying with a credit-worthy co-signer may increase chances of approval.
  • PNC also offers Student Loan Products for Graduate, BAR and Residency programs.
PNC Private Student Loan Full Terms and Information
  • 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
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Funding U offers a merit-based, no-cosigner student loan for high-achieving undergraduate students.

Funding U Full Terms and Information
  • Approval based on academic performance and financial need1
  • No cosigner required to apply for a loan
  • Support throughout college to keep students focused on graduation
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Avenify, the #1 way to pay for nursing school

Interest-free, income-based financing, made for nursing students

  • No interest
  • Income-based payments
  • Award-winning financing for nursing students
  • Built-in unemployment insurance
  • Academic support to help you graduate and pass the NCLEX
  • Career services to help you land the perfect job
  • A student-friendly alternative to student loans, built with nurses in mind
Avenify Full Terms and Information
  • Variable rates starting at 1.04% APR (including 0.25% Auto Pay discount)1
  • 9 month grace period (3 months more than most lenders)2
  • No fees for origination, disbursement, prepayment or late payment
  • Skip a payment once per year (once repayment period restarted)3
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New-fashioned loans for the next generation

Earnest is a technology company using cutting-edge data science, smarter design, and software automation to rebuild financial services. With a mission to empower people with the financial capital they need to live better lives, Earnest's lending products are built for a new generation seeking to reach life's milestones. The company uses data and technology to understand every applicant's unique financial story and offer the lowest possible rates.

  • Variable rates starting at 1.04% APR (including 0.25% Auto Pay discount)1
  • Check your eligibility in just 2 minutes
  • 9 month grace period (3 months more than most lenders)2
  • Fast application and decision-making process
  • Flexible repayment options
  • No fees for origination, disbursement, prepayment or late payment
  • Skip a payment once per year (once repayment period restarted)3
  • Covers up to 100% of the school's certified cost of attendance
Earnest Private Student Loans Full Terms and Information
  • 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
What are my private student loan options?