Lender | Fixed Rates (APR) | Variable Rates (APR) | Terms (in years) |
---|---|---|---|
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2.59%* - 6.94%* | 1.97%* - 7.03%* | 5, 7, 10, 15 or 20 years |
![]() |
3.94% - 9.08%* | N/A | 5, 7, 10, 15, or 20 years |
|
3.99%* - 6.40%* | 2.50%* - 6.30%* | 5, 7, 10, 15 or 20 years |
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2.35% - 8.73%* | 1.86%* - 8.38%* | 5, 10, 15 or 20 years |
![]() |
2.49%* - 7.93%* | 2.05%* - 5.25%* | 5, 7, 10, 15 or 20 years |
![]() |
3.49% - 7.99%* | 3.44%* - 7.99%* | 5 - 15 years |
![]() |
3.24% - 7.99%* | 1.89%* - 7.99%* | 5 - 20 years (flexible) |
![]() |
3.39% - 6.99% | 1.86% - 7.98% | 5, 7, 10, 15, and 20 years |
*APR includes a 0.25% interest rate reduction for enrollment in automatic payments.
CommonBond is on a mission to make paying for school simpler and more affordable. Founded by students in 2012, CommonBond offers competitive rates, award-winning customer service, and best-in-class protections.
CommonBond is the first and only finance company with a 'one-for-one' social mission: for every loan it funds, CommonBond also funds the education of a child in need, through its partnership with Pencils of Promise. More
The Reset Refinance Loan offered by ISL Education Lending features great rate and repayment options for borrowers looking to refinance student loans.
A Midwest nonprofit focused on outstanding customer service, ISL Education Lending has perfected student loan servicing during the past 40 years. Their application is streamlined and can be completed easily in 15 minutes or less. And student loan borrowers who did not earn a college degree can refinance with the Reset Loan with no rate penalty.
Laurel Road is an established lender and is historically known for working with students refinancing graduate degrees and high debt amounts. They generally are best suited for graduated with degrees and careers in high-paying fields (physician, advanced nursing, engineering, etc.)
For students who qualify, Laurel Road offers the same competitive rates as many other lenders and 5, 7, 10, 15, or 20-year loan terms. They also offer a cap on variable rate interest and no origination or prepayment fees.
Credible operates as a comparison tool for student loan refinance options. In just a few minutes, students can get rate offers and compare loan terms from multiple lenders.
In addition, Credible offers top-notch customer support by phone, email, or live chat. If you’ve got questions about your student loan refinance, they can help you answer it.
But, that’s where Credible’s role ends. Once you’ve completed your loan, it will be serviced by the lender that you’ve chosen which may mean your loan is sold off to third parties in the future. So, be sure to do your research into all aspects of the loan. Despite that, the service is incredibly valuable in allowing borrowers to quickly and easily compare rates and terms from multiple lenders and then choose the right one.
LendKey offers a network of not-for-profit local and regional credit unions and community banks for students looking to refinance their student loans. They act as a marketplace, allowing borrowers to get pre-qualified rates from multiple local and regional lenders and then choose the best fit.
Once your loan is approved and processed by the credit union of your choice, LendKey does act as your loan servicer–and they stick with your loan for life, rather than selling it off to a third-party. They also offer some of the lowest rates in the industry.
When it comes to refinancing student loans, College Ave knows that there is no such thing as a “one-size-fits-all” approach. Everyone has their own personal budget and goals. College Ave will help you choose how many years you take to pay back your refi loan so you can be confident that your loan is working for you.
Earnest offers rates that are among the lowest in the industry, and they are known for offering incredibly flexible repayment terms, plus added protections and top-notch customer service. Earnest also gets extra points for offering lifetime loan servicing, meaning your loans won’t be re-sold to a third party.
As a newer lender in the market, Earnest offers flexible underwriting that is based on a number of factors not generally included in a traditional credit check.
Education Loan Finance (also known as ELFI) is a division of SouthEast Bank, based in Tennessee, designed specifically to help borrowers with refinancing their student loans. Refinancing with ELFI is a great option for borrowers that value customer service. One of the highlights is that ELFI gives you access to your own Student Loan Advisor to help you through the process.
*APR includes a 0.25% interest rate reduction for enrollment in automatic payments.
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