4 of the Best TD Bank Student Loan Alternatives in 2025

Why it’s a good alternative to TD Bank

College Ave combines flexibility, affordability, and simplicity, making it a standout choice for student loans. With customizable repayment terms ranging from 5 to 15 years and multiple repayment plans—including deferred, flat, and interest-only options—it accommodates a wide range of financial situations.

Borrowers can cover up to 100% of their cost of attendance, including tuition, housing, and other expenses. The lack of origination, application, or prepayment fees further enhances its value, and its intuitive online platform makes applying and managing loans straightforward.

• Covers up to 100% of the cost of attendance
• Multiple repayment plans to suit different budgets
• No fees for application, origination, or prepayment
• Flexible repayment terms (5, 8, 10, or 15 years)

Why it’s a good alternative to TD Bank

Sallie Mae offers the shortest cosigner release period in the industry—just 12 consecutive on-time payments—making it an excellent option for students who need a cosigner to qualify but want to remove them from the loan as quickly as possible.

Sallie Mae also provides loans for undergraduates, graduates, and career training programs, with competitive fixed and variable interest rates. Borrowers can take advantage of its no-fee structure and flexible loan limits that cover up to the annual cost of attendance.

• Shortest cosigner release period (12 on-time payments)
• Loans available for undergraduates, graduates, and career training
• Covers up to 100% of the annual cost of attendance
• No fees for application, origination, or prepayment

Why it’s a good alternative to TD Bank

Earnest offers loan amounts up to 100% of certified costs, making it a top choice for students attending expensive programs or schools. Borrowers have the flexibility to customize their repayment plans and terms, with options ranging from 5 to 15 years.

One of Earnest’s standout features is its precision pricing, allowing borrowers to choose an exact monthly payment that works best for their budget. With no origination, application, or prepayment fees, Earnest is a reliable option for those needing substantial funding.

• Loan amounts up to 100% of certified costs
• Flexible repayment terms (5, 8, 10, or 15 years)
• Precision pricing for tailored monthly payments
• No fees for application, origination, or prepayment

Why it’s a good alternative to TD Bank

SoFi offers more than just student loans—it provides a comprehensive financial experience. Borrowers gain access to exclusive member benefits, including financial planning tools and resources, which can help them achieve their long-term goals.

SoFi’s loans come with competitive interest rates, flexible repayment terms, and no fees, making it a strong choice for those who value additional support and resources alongside their loan. For students seeking a lender that feels like a full-service financial partner, SoFi stands out.

• Exclusive member benefits like career coaching and financial tools
• Flexible loan amounts up to 100% of certified costs
• Competitive fixed and variable interest rates
• No fees for application, origination, or prepayment

Why it’s the best

College Ave is the best option for most borrowers due to its flexibility, competitive rates, and borrower-friendly features. Here’s what sets it apart:

• Customizable repayment terms: Choose from 5, 8, 10, or 15 years to tailor payments to your budget.
• Flexible repayment plans: Options include deferred, flat, interest-only, or full principal and interest payments.
• No hidden fees: No application, origination, or prepayment fees.
• Coverage for all costs: Borrow up to 100% of the cost of attendance, including tuition, books, housing, and more.

College Ave also boasts a high approval rate for cosigned loans, making it ideal for students who may need additional financial support.