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Student Loans

Student Loan Companies Offering Loans and Refinance in 2024

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.

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Our highest-rated lenders

Private student loans

Company
Best for…
Rating (0-5)
Best Overall
Best for Cosigners
Best for Large Loans
Best Member Benefits
Best for Comparison Shopping
Best Student Loan Advisors

Refinance loans

Company
Best for…
Rating (0-5)
Best Overall
Best for Comparison Shopping
Best for Personalized Support
Best for No Fees

More about our highest-rated student loan companies

College Ave

Best Student Loans

5.0 /5
LendEDU Rating
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%1
Loan amounts$1,000 – 100% of certified costs
Repayment 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%1
Loan amounts$5,000 – $300,000
Repayment terms5 – 20 years

Credible

Best Marketplace

4.6 /5
LendEDU Rating
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 costs
Repayment 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 balance
Repayment terms5, 7, 10, or 15 years

Sallie Mae

Best for Cosigners

4.8 /5
LendEDU Rating
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 costs
Repayment terms10 – 15 years

Earnest

Best for No Fees

4.7 /5
LendEDU Rating
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 costs
Repayment 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 – $500,000
Repayment terms5 – 20 years
Min. credit score665

SoFi

Best for Member Benefits

4.7 /5
LendEDU Rating
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/ autopay
Variable APR5.74%15.86% w/ autopay
Loan amounts$1,000 – 100% of certified costs
Repayment 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/ autopay
Variable APR6.24% – 9.99% w/ autopay
Loan amounts$5,000 – total outstanding balance
Repayment terms5, 7, 10, 15, or 20 years

ELFI

Best Student Loan Advisors

4.5 /5
LendEDU Rating
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 costs
Repayment terms5 – 15 years
Min. 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 balance
Repayment terms5, 7, 10, 15, or 20 years
Min. credit score680

Here’s our full list of student loan companies:

A

B

C

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

H

L

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

M

N

O

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

Additional resources

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