Many or all companies we feature compensate us. Compensation and editorial research influence how products appear on a page. Student Loans Student Loan Companies Offering Loans and Refinance in 2024 Updated Oct 10, 2024 6-min read Written by Jeff Gitlen, CEPF® Written by Jeff Gitlen, CEPF® Expertise: Student loans, personal loans, home loans, insurance, credit cards Jeff Gitlen, CEPF®, is the director of growth at LendEDU. He graduated from the Alfred Lerner College of Business and Economics at the University of Delaware. Learn more about Jeff Gitlen, CEPF® Finding the right student loan can make a world of difference when it comes to 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. Dive into the list to find the best option for your unique financial needs. 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 Our highest-rated lenders Private student loans CompanyBest for…Rating (0-5) Best Overall 5.0 View Rates Best for Cosigners 4.8 View Rates Best for Large Loans 4.7 View Rates Best Member Benefits 4.7 View Rates Best for Comparison Shopping 4.6 View Rates Best Student Loan Advisors 4.5 View Rates Show more Refinance loans CompanyBest for…Rating (0-5) Best Overall 5.0 View Rates Best for Comparison Shopping 4.8 View Rates Best for Personalized Support 4.7 View Rates Best for No Fees 4.6 View Rates More about our highest-rated student loan companies College Ave Best Student Loans 5.0 /5 LendEDU Rating View Rates Private Student Loans Student loans for undergraduates, graduates, parents, and career training No minimum enrollment requirements Quick 3-minute online application Covers up to 100% of your cost of attendance Choose your repayment terms, including in-school repayment or deferred Multi-Year Peace of Mind® lets you get better approval odds for future loans Can apply for an additional 6-month grace period Can’t prequalify with a soft credit check Cosigner release isn’t available until at least halfway through repayment Rates (APR)3.87% – 17.99%1Loan amounts$1,000 – 100% of certified costsRepayment terms5, 8, 10, or 15 years Refinance Student LoansView Rates You choose your repayment term Check your rate without affecting your credit score Cosigner release isn’t available until at least halfway through repayment Rates (APR)6.99% – 13.99%1Loan amounts$5,000 – $300,000Repayment terms5 – 20 years Credible Best Marketplace 4.6 /5 LendEDU Rating View Rates Private Student Loans Compare multiple lenders with one application in 3 minutes Student loans for undergraduate and graduate degrees Checking your prequalified rates doesn’t affect your credit score1 No fees to see your results Only shows rates from its partner lenders Rates (APR)4.07% – 16.70%Loan amounts$1,000 – 100% of certified costsRepayment terms5, 7, 8, 10, 12, 15, or 20 years Refinance Student LoansView Rates Compare multiple lenders with one application in 2 minutes Student loans for undergraduate and graduate degrees are eligible Checking your prequalified rates doesn’t affect your credit score No fees to see your results Only shows rates from its partner lenders Rates (APR)5.28% – 12.41%Loan amounts$1,000 – 100% of outstanding balanceRepayment terms5, 7, 10, or 15 years Sallie Mae Best for Cosigners 4.8 /5 LendEDU Rating View Rates Private Student Loans Student loans for undergraduates, graduates, and career training Lower interest rates when you choose an in-school repayment plan Cosigner release after 12 on-time principal and interest payments No prepayment penalties or origination fees No minimum enrollment requirements Doesn’t offer a soft credit check to check your eligibility The shortest repayment term is 10 years Rates (APR)4.50% – 16.70%Loan amounts$1,000 – 100% of certified costsRepayment terms10 – 15 years Earnest Best for No Fees 4.7 /5 LendEDU Rating View Rates Private Student Loans Loans for undergraduates, graduates, parents, and more Choose an in-school repayment plan or defer payments No fees, including late payment or origination fees 9-month grace period is longer than other lenders Skip one payment per year without penalty Check your eligibility in two minutes without impacting your credit score Doesn’t allow for cosigners to be released Must be enrolled at least half-time Not available in Nevada Rates (APR)4.11% – 16.20%Loan amounts$1,000 – 100% of certified costsRepayment terms5, 7, 10, 12, or 15 years Refinance Student LoansView Rates Consolidate federal and private student loans Choose between biweekly and monthly payments Adjust your payment date if needed Make extra or early payments with no fees Skip one payment per year without penalty Cosigners must reside in the same state as the borrower Not available in Nevada Rates (APR)5.19% – 9.74%Loan amounts$5,000 – $500,000Repayment terms5 – 20 yearsMin. credit score665 SoFi Best for Member Benefits 4.7 /5 LendEDU Rating View Rates Private Student Loans Student loans for undergraduates, graduates, and parents Cover the costs of fall, spring, and summer terms No origination, application, or prepayment fees Return borrowers are eligible for a 0.25% rate discount Check your rate without impacting your credit score High minimum loan amount Fixed APR4.19% – 14.83% w/ autopayVariable APR5.74% – 15.86% w/ autopayLoan amounts$1,000 – 100% of certified costsRepayment terms5, 7, 10, or 15 years Refinance Student LoansView Rates Refinance your entire outstanding student loan balance Choose between five different repayment terms No origination, application, or prepayment fees Check your rate without impacting your credit score Cosigners can’t be released from the loan Fixed APR5.24% – 9.99% w/ autopayVariable APR6.24% – 9.99% w/ autopayLoan amounts$5,000 – total outstanding balanceRepayment terms5, 7, 10, 15, or 20 years ELFI Best Student Loan Advisors 4.5 /5 LendEDU Rating View Rates Private Student Loans Student loans for undergraduates, graduates, and parents Choose between in-school repayment and deferred payments Speak with a dedicated student loan advisor Check your rates without impacting your credit score Must be enrolled at least half-time Doesn’t disclose how long it’ll take before a cosigner can be released Rates (APR)3.98% – 14.22%Loan amounts$1,000 – 100% of certified costsRepayment terms5 – 15 yearsMin. credit score680 Refinance Student LoansView Rates Refinancing solutions for students and parents Speak with a dedicated student loan advisor Check your rate without affecting your credit score Must have earned a bachelor’s degree or higher High minimum loan amount compared to other lenders Cosigners can’t be released from the loan Rates (APR)5.28% – 8.99%Loan amounts$10,000 – 100% of outstanding balanceRepayment terms5, 7, 10, 15, or 20 yearsMin. credit score680 Here’s our full list of student loan companies: A 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) Boeing Employees Credit Union (BECU) (private student loans and refinancing) C 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) ELFI (private student loans and refinancing) F Firstmark (loan servicer) Funding University (no-cosigner private student loans) H Heartland ECSI (loan servicer) 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 PNC (private student loans and refinancing) Prodigy Finance (private loans for international graduate students studying abroad) Purefy (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) 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