List of Student Loan Companies Offering Loans and Refinance in 2026

Finding the right student loan can make a difference when managing college costs and repayment. At LendEDU, we’ve analyzed 725 data points from 25 lenders, focusing on interest rates, repayment plans, and customer experience to help you find the best fit.

Whether you’re borrowing for school or refinancing, our in-depth reviews of top student loan companies provide the clarity you need to make informed decisions.

Our highest-rated lenders

Private student loans

Refinance loans

Here’s our full list of student loan companies:

A | B | C | D | E | F | G | H | I | J | K | L | M | N | O | P | Q | R | S | T | U | V | W | X | Y | Z

A

• Advantage Education Loan
• Aidvantage (federal loan servicer)
• A.M. Money (no-cosigner student loans)
• American Education Services (AES) (federal loan servicer)
• Ascent (private student loans)
• Aspire (student loan servicer)

B

• Bank of North Dakota (student loans for North Dakota residents)
• Brazos (private student loans and refinancing)
• Boeing Employees Credit Union (BECU) (private student loans and refinancing)

C

• Capable (private student loans)
• Citizens Bank (private student loans and refinancing)
• Climb Credit (trade school and boot camp loan lender)
• Cognition Financial Custom Choice (private student loan lender)
• College Ave (private student loans and refinancing)
• College Finance (private student loans)
• Credible (private student loan and refinancing marketplace)
• Credit Union Student Choice (credit union student loan marketplace)

E

• Earnest (private student loans and refinancing)
• EdFinancial (federal loan servicer)
• Edly (private student loans with income-based repayment)
• EdvestinU (private student loans and refinancing)
• ELFI (private student loans and refinancing)

F

• Firstmark (loan servicer)
• Funding University (no-cosigner private student loans)

H

• Heartland ECSI (loan servicer)

I

• INvestEd (private student loans and refinancing)
• ISL Education Lending (private student loans and refinancing)

L

• Laurel Road (student loan refinancing)
• LendKey (private student loan and refinancing marketplace)

M

• Massachusetts Educational Financing Authority (MEFA) (private student loans and refinancing)
• MOHELA (federal loan servicer)
• MPOWER (private student loans and refinancing for international students)

N

• NaviRefi (student loan refinancing)
• Navy Federal Credit Union (private student loans and refinancing)
• Nelnet (private student loans and refinancing)
• NJCLASS (private student loans)

O

• Oklahoma Student Loan Authority (OSLA) (federal loan servicer)

P

• PenFed (student loan refinancing only available via Sparrow)
• PNC (private student loans and refinancing)
• Prodigy Finance (private loans for international graduate students studying abroad)
• Purefy (private student loans and refinancing)

R

• RISLA (private student loans and refinancing)

S

• Sallie Mae (private student loans)
• SELF Refi (student loan refinancing; not accepting new applications until early 2025)
• SoFi (private student loans and refinancing)
• Sparrow (private student loan marketplace)
• Splash Financial (private student loan refinancing)

U

• Union Federal (private student loans)

Y

• Yrefy (private student loan refinance)

Additional resources

To learn more about student loans and best practices, check out the following resources:

• How student loans work
• Student loan repayment options
• Federal student loans
• Best private student loans
• Best student loan refinance companies