Guide & Insights
Lower your student loan interest rates or cover tuition and living costs with tailored repayment plans and cosigner release options.
Student & Grad RefiEarnest LLC
Min Credit: 650+Earnest Student Refinance
Customized student loan refinancing and education funding with flexible schedules.
APR Range5.99% ~ 15.49%
Max Loan Amount$200,000
Origination Fee$0 (No Fee)
Funding Speed2-3 Business Days
Pros:
- ✓ Skip one payment per year perk
- ✓ Custom payment terms
- ✓ $0 Fees
Cons:
- • Student/graduate status proof required
Top Student LoanSallie Mae Bank
Min Credit: 640+Sallie Mae Student Loan
Comprehensive student loans covering up to 100% of school-certified college expenses.
APR Range4.5% ~ 14.99%
Max Loan Amount$150,000
Origination Fee$0 (No Fee)
Funding Speed3-5 Business Days
Pros:
- ✓ Covers up to 100% of college costs
- ✓ Cosigner release option after 12 payments
- ✓ $0 Origination fee
Cons:
- • Cosigner recommended for best rates
Student MarketplaceSplash Financial
Min Credit: 650+Splash Financial Student Loan
Student loan marketplace comparing multiple partner lenders to find the lowest rate.
APR Range5.49% ~ 14.25%
Max Loan Amount$150,000
Origination Fee$0 (No Fee)
Funding Speed2-4 Business Days
Pros:
- ✓ Compare top lender rates at once
- ✓ $0 Fees
- ✓ Soft credit check
Cons:
- • Underwriting criteria vary by lender
Custom Student LoanCollege Ave Student Loans
Min Credit: 640+College Ave Student Loans
Student-focused lender offering flexible repayment plans (e.g., interest-only while in school).
APR Range4.49% ~ 15.99%
Max Loan Amount$150,000
Origination Fee$0 (No Fee)
Funding Speed2 Business Days
Pros:
- ✓ In-school payment options
- ✓ Fast online application
- ✓ $0 Fees
Cons:
- • May require cosigner
Non-Cosigned OptionAscent Funding
Min Credit: No MinimumAscent Non-Cosigned Student Loan
Outcomes-based student loans evaluated on GPA for juniors, seniors, and international students without cosigners.
APR Range8.99% ~ 16.5%
Max Loan Amount$50,000
Origination Fee$0 (No Fee)
Funding Speed3-5 Business Days
Pros:
- ✓ Non-cosigned options available
- ✓ GPA evaluation option
- ✓ 1% Cash back upon graduation
Cons:
- • Requires upperclassman status
Graduate & PhDSallie Mae Bank
Min Credit: 650+Sallie Mae Graduate & Professional Loan
High-limit loan tailored for graduate, law, medical, and PhD students.
APR Range4.99% ~ 14.49%
Max Loan Amount$200,000
Origination Fee$0 (No Fee)
Funding Speed3-5 Business Days
Pros:
- ✓ Covers up to 100% of tuition & living expenses
- ✓ In-school deferment
- ✓ $0 Fees
Cons:
- • Graduate enrollment proof needed