Student Loans

Let’s find you the best student loan.

Answer a few quick questions to see relevant lenders.

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1. Are you looking to borrow or refinance?

Choose whether you’re borrowing for school or refinancing existing student loans.

Borrow for school Refinance my student loans

2. What level of education are you borrowing for?

We ask this because some lenders specialize in certain education levels.

Undergraduate Graduate Career Training

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3. Have you explored federal student loan options?

It’s smart to review federal loan options before turning to private lenders.

Yes No

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4. Will someone be cosigning the loan with you?

Adding a cosigner can boost your approval odds and result in lower rates.

Yes — I have a cosigner Yes — I’m the cosigner No

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We’ve found top lenders for student loan refinancing!

These lenders let you check rates without affecting your credit score.

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We’ve found top lenders for cosigned student loans!

Get competitive rates with the help of a creditworthy cosigner.

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We’ve found top lenders for no cosigner student loans!

These lenders let you check rates without affecting your credit score.

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We’ve found top lenders for graduate degrees!

Explore loan options designed for advanced degree programs.

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We’ve found top lenders for cosigned career-training student loans!

These lenders offer financing for non-degree programs.

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We’ve found top lenders for non-cosigned career-training student loans!

These lenders let you check rates without affecting your credit score.

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Explore Lenders in Depth:
See LendEDU’s Top-Rated Private Student Loan Lenders of 2025

July 2025 Lenders and Rates Overview

Best Overall

5.0

View Rates

Fixed APR

4.13% – 17.99%

Variable APR

4.13% – 17.99%

Funding

$1K – total costs

Min. Credit Score

Mid-650s

5.0

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Best for Fast Cosigner Release

4.8

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Fixed APR

4.13% – 17.99%

Variable APR

4.13% – 17.99%

Funding

$1K – total costs

Min. Credit Score

Mid-650s

4.8

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Best Repayment Perks

4.7

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Fixed APR

4.13% – 17.99%

Variable APR

4.13% – 17.99%

Funding

$1K – total costs

Min. Credit Score

650

4.7

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Best for Graduate Students

4.7

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Fixed APR

4.13% – 17.99%

Variable APR

4.13% – 17.99%

Funding

$1K – total costs

Min. Credit Score

679

4.7

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Great for Multi-Year Approval

4.7

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Fixed APR

5.25% – 12.19%

Variable APR

5.97% – 12.42%

Funding

$1K – $100K

Min. Credit Score

640

4.7

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Best for High Academic Performers

4.7

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Fixed APR

7.49% – 12.99%

Variable APR

–

Funding

$3K – $20K

Min. Credit Score

None

4.7

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Best for International Students

4.6

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Fixed APR

13.98%+

Variable APR

–

Funding

$2K – $100K

Min. Credit Score

None

4.6

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Best for Customer Service

4.5

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Fixed APR

3.69% – 14.22%

Variable APR

5.00% – 14.22%

Funding

$1K – total costs

Min. Credit Score

680

4.5

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Best for Texas Students

4.4

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Fixed APR

2.71% – 7.38%

Variable APR

4.32%+

Funding

$1K – total costs

Min. Credit Score

680

4.4

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Best for Bad Credit

4.4

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Fixed APR

3.39% – 14.46%

Variable APR

4.70% – 14.26%

Funding

$2K – $200K

Min. Credit Score

None

4.4

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Great for Principal Reduction

4.3

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Fixed APR

3.49% – 14.04%

Variable APR

4.42% – 14.07%

Funding

$1K – $100K

Min. Credit Score

Not disclosed

4.3

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Best Marketplace

4.2

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Fixed APR

4.39% – 10.39%

Variable APR

5.84% – 10.37%

Funding

$1K – total costs

Min. Credit Score

680

4.2

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Best for No Cosigners

3.9

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Fixed APR

% of income

Variable APR

N/A

Funding

$5K – $25K

Min. Credit Score

None

3.9

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Great for Discounts

3.6

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Fixed APR

6.69% – 13.89%

Variable APR

8.44% – 15.64%

Funding

Not disclosed

Min. Credit Score

Not disclosed

3.6

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Great for Military Families

3.5

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Fixed APR

5.50%+

Variable APR

7.79%+

Funding

Not disclosed

Min. Credit Score

None

3.5

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Types of student loans

The federal government, state agencies, and private lenders offer student loans to cover education costs. These loans can be made for specific borrowers to accommodate unique financing needs. With so many types of student loans available, it’s essential to focus on lenders that offer the loan you need.

• Graduate Student Loans
• Parent Student Loans
• Student Loans Without a Cosigner
• International Student Loans
• Income-Based Student Loans
• Credit Union Student Loans
• Trade School Student Loans

Student loan uses

Most student loans are disbursed to your school, which then send leftover funds to you. Use this extra money to pay for other education expenses.

• What Student Loans Can Be Used For
• Student Loans for Living Expenses & Housing
• Student Loans for Past-Due Tuition
• Student Loans for Study Abroad
• Student Loans for Textbooks

Student loan reviews

If you’re considering several companies for your student loan needs, giving each a proper review before deciding which to apply with is essential. Check out our reviews to see which company offers what you need.

• College Ave Student Loans Review
• Sallie Mae Student Loans Review
• Earnest Student Loans Review
• Ascent Student Loans Review
• List of Student Loan Companies

All-in-one guides

The following resources are excellent choices for comprehensive guides to specific topics.

• How to Get a Student Loan?
• How Do Student Loans Work?
• How to Get a Student Loan
• Student Loan Repayment
• Student Loan Forgiveness
• Student Loan Alternatives

Student loan data, statistics, and calculators

Because the student loan industry has changed in recent years, it’s critical to stay informed about general trends and statistics. This information can help you make informed decisions and better manage your student loans.

• Student Loan Debt Statistics
• Student Loan Interest Rates
• Student Loan Limits
• Student Loan Calculators

Latest on student loans: