Student Loans

Apply

on CommonBond‘s website

Term

60 Months

2.54 - 6.27%

Variable APR

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on CommonBond‘s website

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Loan Details

Save over $24,000, on average, by refinancing with CommonBond

For every loan we fund, we also fund the education of a child in need. We're the first - and only - lender to make that promise.

With an easy online application, you can get approved in minutes. There are no pre-payment penalties and no hassles.

Our award-winning Care Team is available by phone, email, and live chat to answer any questions you have

Protection Details

Auto Pay Discount

There is a 0.25% interest rate reduction when you set up auto-pay¹

Forbearance

Up to two years of forebearance due to financial hardship

Interest Payments Only

Payment Deferral

Up to 32 months of deferment available

Disclosure

Offered terms are subject to change. Loans are offered by CommonBond Lending, LLC (NMLS # 1175900). If you are approved for a loan, the interest rate offered will depend on your credit profile, your application, the loan term selected and will be within the ranges of rates shown.

¹All Annual Percentage Rates (APRs) displayed assume borrowers enroll in auto pay and account for the 0.25% reduction in interest rate. All variable rates are based on 1-month LIBOR

Apply

on Earnest‘s website

Term

192 Months

4.39 - 5.71%

Variable APR

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on Earnest‘s website

View Details

Loan Details

Earnest uses data and technology to understand every applicant's unique financial story and offer customized rates

Lower rates based on your future potential and full financial profile, not just your FICO score

More savings: Earnest clients save $30,939¹ on average by refinancing

Flexible terms that let you pick your exact monthly payment, prepay with no penalty, or pay bi-weekly

Lifetime service provided in-house. Unlike other lenders, Earnest will never pass you off to third-party servicers.

No fees for origination, prepayment or loan disbursement

Two-minute rate check with no obligation or impact to your credit score

Protection Details

Auto Pay Discount

Rate displayed includes the 0.25% APR discount for using auto-pay²

Forbearance

With documentation from your previous servicer to confirm, we may match your existing grace period for up to nine months

Payment Deferral

Available in select cases, including post-graduation grace periods, unemployment, economic hardship, enrollment in school, active military day and 13 months thereafter, and Peace Corps service

Disclosure

To qualify, you must be a U.S. citizen or possess a 10-year (non-conditional) Permanent Resident Card, reside in a state Earnest lends in, and satisfy our minimum eligibility criteria. You may find more information on loan eligibility here: https://www.earnest.com/eligibility. Not all applicants will be approved for a loan, and not all applicants qualify for the lowest rate. Approval and interest rate depend on the review of a complete application.

Earnest's fixed rate loan rates range from 3.89% APR (with autopay) to 6.32% APR (with autopay). Variable rate loan rates range from 2.47% APR (with autopay) to 5.87% APR (with autopay). For variable rate loans, although the interest rate will vary after you are approved, the interest rate will never exceed 8.95% for loan terms of 10 years or less. For loan terms of 10 to 15 years, the interest rate will never exceed 9.95%. For loan terms over 15 years, the interest rate will never exceed 11.95% (the maximum rates for these loans). Earnest variable interest rate loans are based on a publicly available index, the one month London Interbank Offered Rate (LIBOR). Your rate will be calculated each month by adding a margin between 0.85% and 4.15% to the one month LIBOR. The rate will not increase more than once per month. Earnest rate ranges are current as of August 23, 2018 and are subject to change based on market conditions and borrower eligibility.

¹Explanation of $30,939 Average Client Savings: Average savings calculation is based on all Earnest clients who refinanced student loans owned and serviced by Navient between 03/06/2017 and 03/31/2018. The savings figure of a particular client is calculated by subtracting the projected lifetime cost of their Earnest refinancing from the projected total cost of their original student loans. You may find more information on loan savings here: https://www.earnest.com/savings-disclaimer

²Autopay Discount: If you make monthly principal and interest payments by an automatic, monthly deduction from a savings or checking account, your rate will be reduced by one quarter of one percent (0.25%) for so long as you continue to make automatic, electronic monthly payments. This benefit is suspended during periods of deferment and forbearance.

The information provided on this page is updated as of 08/22/18. Earnest reserves the right to change, pause, or terminate product offerings at any time without notice.

Earnest loans are originated by Earnest Operations LLC. California Finance Lender License 6054788. NMLS # 1204917. Earnest Operations LLC is located at 303 2nd Street, Suite 401N, San Francisco, CA 94107. Terms and Conditions apply. Visit https://www.earnest.com/terms-of-service, e-mail us at hello@earnest.com, or call 888-601-2801 for more information on our student loan refinance product.

Apply

on Earnest‘s website

Term

156 Months

4.24 - 5.69%

Variable APR

Apply

on Earnest‘s website

View Details

Loan Details

Earnest uses data and technology to understand every applicant's unique financial story and offer customized rates

Lower rates based on your future potential and full financial profile, not just your FICO score

More savings: Earnest clients save $30,939¹ on average by refinancing

Flexible terms that let you pick your exact monthly payment, prepay with no penalty, or pay bi-weekly

Lifetime service provided in-house. Unlike other lenders, Earnest will never pass you off to third-party servicers.

No fees for origination, prepayment or loan disbursement

Two-minute rate check with no obligation or impact to your credit score

Protection Details

Auto Pay Discount

Rate displayed includes the 0.25% APR discount for using auto-pay²

Forbearance

With documentation from your previous servicer to confirm, we may match your existing grace period for up to nine months

Payment Deferral

Available in select cases, including post-graduation grace periods, unemployment, economic hardship, enrollment in school, active military day and 13 months thereafter, and Peace Corps service

Disclosure

To qualify, you must be a U.S. citizen or possess a 10-year (non-conditional) Permanent Resident Card, reside in a state Earnest lends in, and satisfy our minimum eligibility criteria. You may find more information on loan eligibility here: https://www.earnest.com/eligibility. Not all applicants will be approved for a loan, and not all applicants qualify for the lowest rate. Approval and interest rate depend on the review of a complete application.

Earnest's fixed rate loan rates range from 3.89% APR (with autopay) to 6.32% APR (with autopay). Variable rate loan rates range from 2.47% APR (with autopay) to 5.87% APR (with autopay). For variable rate loans, although the interest rate will vary after you are approved, the interest rate will never exceed 8.95% for loan terms of 10 years or less. For loan terms of 10 to 15 years, the interest rate will never exceed 9.95%. For loan terms over 15 years, the interest rate will never exceed 11.95% (the maximum rates for these loans). Earnest variable interest rate loans are based on a publicly available index, the one month London Interbank Offered Rate (LIBOR). Your rate will be calculated each month by adding a margin between 0.85% and 4.15% to the one month LIBOR. The rate will not increase more than once per month. Earnest rate ranges are current as of August 23, 2018 and are subject to change based on market conditions and borrower eligibility.

¹Explanation of $30,939 Average Client Savings: Average savings calculation is based on all Earnest clients who refinanced student loans owned and serviced by Navient between 03/06/2017 and 03/31/2018. The savings figure of a particular client is calculated by subtracting the projected lifetime cost of their Earnest refinancing from the projected total cost of their original student loans. You may find more information on loan savings here: https://www.earnest.com/savings-disclaimer

²Autopay Discount: If you make monthly principal and interest payments by an automatic, monthly deduction from a savings or checking account, your rate will be reduced by one quarter of one percent (0.25%) for so long as you continue to make automatic, electronic monthly payments. This benefit is suspended during periods of deferment and forbearance.

The information provided on this page is updated as of 08/22/18. Earnest reserves the right to change, pause, or terminate product offerings at any time without notice.

Earnest loans are originated by Earnest Operations LLC. California Finance Lender License 6054788. NMLS # 1204917. Earnest Operations LLC is located at 303 2nd Street, Suite 401N, San Francisco, CA 94107. Terms and Conditions apply. Visit https://www.earnest.com/terms-of-service, e-mail us at hello@earnest.com, or call 888-601-2801 for more information on our student loan refinance product.

Apply

on Laurel Road‘s website

Term

240 Months

4.87 - 6.37%

Variable APR

Apply

on Laurel Road‘s website

View Details

Loan Details

20 Year Repayment Term

Variable interest rates from 4.87% to 6.37%

No maximum loan amount; $5,000 minimum

No origination fees, no prepayment penalties, and no obligation to accept the offer

Check your rates in minutes online without impacting your credit score

Private and Federal loans are eligible

0.25% rate discount for making automatic payments from a checking account

Co-signer option

$100/month repayment option for medical and dental residents

Average borrower saves over $20,000* when refinancing with Laurel Road

Protection Details

Auto Pay Discount

There is a 0.25% interest rate reduction when you set up auto-pay

Forbearance

Up to 12 months of forbearance is available at Laurel Road's discretion

Payment Deferral

Disclosure

REFINANCE/CONSOLIDATION LOAN - RATE DETAILS, TERMS, AND CONDITIONS
Laurel Road Bank is a Connecticut state-chartered bank offering products in all 50 U.S. states, Washington, D.C., and Puerto Rico. Laurel Road has helped thousands of professionals with graduate and undergraduate degrees across the country to refinance and consolidate over $3 billion in federal and private school loans, saving these borrowers thousands of dollars each.
Lending services provided by Laurel Road Bank, Member FDIC.
Laurel Road Bank is an Equal Opportunity Lender.
©2018 Laurel Road Bank.
EFT DISCOUNT
The interest rate table above is inclusive of all Electronic Funds Transfer (EFT) discounts. To qualify for the EFT discount of 0.25%, monthly payments must be paid automatically from a bank account.
FIXED APR
Fixed rate options consist of a range from 3.75% per year to 5.80% per year for a 5-year term, 5.14% per year to 6.25% per year for a 7-year term, 5.24% per year to 6.65% per year for a 10-year term, 5.30% per year to 7.05% per year for a 15-year term, or 5.61% per year to 7.27% per year for a 20-year term, with no origination fees. The fixed interest rate will apply until the loan is paid in full (whether before or after default, and whether before or after the scheduled maturity date of the loan). The monthly payment for a sample $10,000 loan at a range of 3.75% per year to 5.80% per year for a 5-year term would be from $183.04 to $192.40. The monthly payment for a sample $10,000 loan at a range of 5.14% per year to 6.25% per year for a 7-year term would be from $142.00 to $147.29. The monthly payment for a sample $10,000 loan at a range of 5.24% per year to 6.65% per year for a 10-year term would be from $107.24 to $114.31. The monthly payment for a sample $10,000 loan at a range of 5.30% per year to 7.05% per year for a 15-year term would be from $80.65 to $90.16. The monthly payment for a sample $10,000 loan at a range of 5.61% per year to 7.27% per year for a 20-year term would be from $69.41 to $79.16.
However, if the borrower chooses to make monthly payments automatically by electronic funds transfer (EFT) from a bank account, the fixed rate will decrease by 0.25%, and will increase back up to the regular fixed interest rate described in the preceding paragraph if the borrower stops making (or we stop accepting) monthly payments automatically by EFT from the designated borrower's bank account.
VARIABLE APR
Variable rate options consist of a range from 3.20% per year to 6.02% per year for a 5-year term, 4.57% per year to 6.07% per year for a 7-year term, 4.62% per year to 6.12% per year for a 10-year term, 4.87% per year to 6.37% per year for a 15-year term, or 5.12% per year to 6.62% per year for a 20-year term, with no origination fees. APR is subject to increase after consummation. The variable interest rate will change on the first day of every month ("Change Date") if the Current Index changes. The variable interest rates are based on a Current Index, which is the 1-month London Interbank Offered Rate (LIBOR) (currency in US dollars), as published on The Wall Street Journal's website. The variable interest rates and Annual Percentage Rate (APR) will increase or decrease when the 1-month LIBOR index changes. The variable interest rates are calculated by adding a margin ranging from 0.98% to 3.80% for the 5-year term loan, 2.35% to 3.85% for the 7-year term loan, 2.40% to 3.90% for the 10-year term loan, 2.65% to 4.15% for the 15-year term loan, and 2.90% to 4.40% for the 20-year term loan, respectively, to the 1-month LIBOR index published on the 25th day of each month immediately preceding each "Change Date," as defined above, rounded to two decimal places, with no origination fees. If the 25th day of the month is not a business day or is a US federal holiday, the reference date will be the most recent date preceding the 25th day of the month that is a business day. The monthly payment for a sample $10,000 loan at a range of 3.20% per year to 6.02% per year for a 5-year term would be from $180.58 to $193.42. The monthly payment for a sample $10,000 loan at a range of 4.57% per year to 6.07% per year for a 7-year term would be from $139.33 to $146.42. The monthly payment for a sample $10,000 loan at a range of 4.62% per year to 6.12% per year for a 10-year term would be from $104.22 to $111.62. The monthly payment for a sample $10,000 loan at a range of 4.87% per year to 6.37% per year for a 15-year term would be from $78.40 to $86.40. The monthly payment for a sample $10,000 loan at a range of 5.12% per year to 6.62% per year for a 20-year term would be from $66.66 to $75.27.
However, if the borrower chooses to make monthly payments automatically by electronic funds transfer (EFT) from a bank account, the variable rate will decrease by 0.25%, and will increase back up to the regular variable interest rate described in the preceding paragraph if the borrower stops making (or we stop accepting) monthly payments automatically by EFT from the designated borrower's bank account.
MAXIMUM RATES
Borrowers who take out a variable loan with a term of 5, 7, or 10 years will have a maximum interest rate of 9%. Borrowers who take out a 15 or 20-year variable loan will have a maximum interest rate of 10%.
FEE INFORMATION
Laurel Road has no origination fees and no prepayment penalties. However, if Laurel Road does not receive any part of a payment within 15 days after the due date, it may assess a late fee not to exceed 5% of the late payment or $28, whichever is less. The borrower may be charged $20 for any payment (including a check or an electronic payment) that is returned unpaid due to non-sufficient funds (NSF) or a closed account.
LOAN AMOUNT
Up to 100% of outstanding private and federal student loans (minimum $5,000). If you are refinancing greater than $300,000 in student loan debt, Laurel Road will refinance the loans into 2 or more new loans.
ELIGIBILITY
Must be a U.S. Citizen or Permanent Resident with a valid I-551 card (which must show a minimum of 10 years between "Resident Since" date and "Card Expires" date or has no expiration date) and meet Laurel Road underwriting criteria (including, for example, employment, employer size, debt-to-income, disposable income, total student loan debt relative to annual salary level, and credit history requirements).
ELIGIBLE LOANS
Graduates may refinance and/or consolidate any unsubsidized or subsidized Federal or private student loan that was used exclusively for qualified higher education expenses (as defined in 26 USC Section 221) at an accredited U.S. undergraduate or graduate school. All loans must be in grace or repayment status and cannot be in default.
INTEREST RATES
The interest rate you are offered will depend on your credit profile, income, and total debt payments as well as your choice of fixed or variable and choice of term. For applicants who are currently medical or dental residents, your rate offer may also vary depending on whether you have secured employment for after residency.
DISBURSEMENT OPTIONS
The repayment of any refinance and/or consolidation student loan will commence (1) immediately after disbursement by us, or (2) after any grace or in-school deferment period, existing prior to refinancing and/or consolidation with us, has expired.
POSTPONING OR REDUCING PAYMENTS
After loan disbursement, if a borrower documents a qualifying economic hardship, we may agree in our discretion to allow for full or partial forbearance of payments for one or more 3-month time periods (not to exceed 12 months in the aggregate during the term of your loan), provided that we receive acceptable documentation (including updating documentation) of the nature and expected duration of the borrower's economic hardship.
We may agree under certain circumstances to allow a borrower to make $100/month payments for a period of time immediately after loan disbursement if the borrower is employed full-time as an intern, resident, or similar postgraduate trainee at the time of loan disbursement. These payments may not be enough to cover all of the interest that accrues on the loan. Unpaid accrued interest will be added to your loan and monthly payments of principal and interest will begin when the post-graduate training program ends.
We may agree under certain circumstances to allow postponement (deferral) of monthly payments of principal and interest for a period of time immediately following loan disbursement (not to exceed 6 months after the borrower's graduation with an eligible degree), if the borrower is an eligible student in the borrower's final term at the time of loan disbursement or graduated less than 6 months before loan disbursement, and has accepted an offer of (or has already begun) full-time employment.
If Laurel Road agrees (in its sole discretion) to postpone or reduce any monthly payment(s) for a period of time, interest on the loan will continue to accrue for each day principal is owed. Although the borrower might not be required to make payments during such a period, the borrower may continue to make payments during such a period. Making payments, or paying some of the interest, will reduce the total amount that will be required to be paid over the life of the loan. Interest not paid during any period when Laurel Road has agreed to postpone or reduce any monthly payment will be added to the principal balance through capitalization (compounding) at the end of such a period, one month before the borrower is required to resume making regular monthly payments.
SAVINGS EXAMPLE
Average savings calculated based on single loans refinanced from 9/2013 to 12/2017 where borrowers' previous rates were disclosed. Assumes same loan terms for previous and refinanced loans, and payments made to maturity with no prepayments. Actual savings for individual loans vary based on loan balance, interest rates, and other factors.
LAUREL ROAD RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS AND BENEFITS AT ANY TIME WITHOUT NOTICE.
This information is current as of October 1st, 2018 and is subject to change.

Apply

on Earnest‘s website

Term

96 Months

3.86 - 5.5%

Variable APR

Apply

on Earnest‘s website

View Details

Loan Details

Earnest uses data and technology to understand every applicant's unique financial story and offer customized rates

Lower rates based on your future potential and full financial profile, not just your FICO score

More savings: Earnest clients save $30,939¹ on average by refinancing

Flexible terms that let you pick your exact monthly payment, prepay with no penalty, or pay bi-weekly

Lifetime service provided in-house. Unlike other lenders, Earnest will never pass you off to third-party servicers.

No fees for origination, prepayment or loan disbursement

Two-minute rate check with no obligation or impact to your credit score

Protection Details

Auto Pay Discount

Rate displayed includes the 0.25% APR discount for using auto-pay²

Forbearance

With documentation from your previous servicer to confirm, we may match your existing grace period for up to nine months

Payment Deferral

Available in select cases, including post-graduation grace periods, unemployment, economic hardship, enrollment in school, active military day and 13 months thereafter, and Peace Corps service

Disclosure

To qualify, you must be a U.S. citizen or possess a 10-year (non-conditional) Permanent Resident Card, reside in a state Earnest lends in, and satisfy our minimum eligibility criteria. You may find more information on loan eligibility here: https://www.earnest.com/eligibility. Not all applicants will be approved for a loan, and not all applicants qualify for the lowest rate. Approval and interest rate depend on the review of a complete application.

Earnest's fixed rate loan rates range from 3.89% APR (with autopay) to 6.32% APR (with autopay). Variable rate loan rates range from 2.47% APR (with autopay) to 5.87% APR (with autopay). For variable rate loans, although the interest rate will vary after you are approved, the interest rate will never exceed 8.95% for loan terms of 10 years or less. For loan terms of 10 to 15 years, the interest rate will never exceed 9.95%. For loan terms over 15 years, the interest rate will never exceed 11.95% (the maximum rates for these loans). Earnest variable interest rate loans are based on a publicly available index, the one month London Interbank Offered Rate (LIBOR). Your rate will be calculated each month by adding a margin between 0.85% and 4.15% to the one month LIBOR. The rate will not increase more than once per month. Earnest rate ranges are current as of August 23, 2018 and are subject to change based on market conditions and borrower eligibility.

¹Explanation of $30,939 Average Client Savings: Average savings calculation is based on all Earnest clients who refinanced student loans owned and serviced by Navient between 03/06/2017 and 03/31/2018. The savings figure of a particular client is calculated by subtracting the projected lifetime cost of their Earnest refinancing from the projected total cost of their original student loans. You may find more information on loan savings here: https://www.earnest.com/savings-disclaimer

²Autopay Discount: If you make monthly principal and interest payments by an automatic, monthly deduction from a savings or checking account, your rate will be reduced by one quarter of one percent (0.25%) for so long as you continue to make automatic, electronic monthly payments. This benefit is suspended during periods of deferment and forbearance.

The information provided on this page is updated as of 08/22/18. Earnest reserves the right to change, pause, or terminate product offerings at any time without notice.

Earnest loans are originated by Earnest Operations LLC. California Finance Lender License 6054788. NMLS # 1204917. Earnest Operations LLC is located at 303 2nd Street, Suite 401N, San Francisco, CA 94107. Terms and Conditions apply. Visit https://www.earnest.com/terms-of-service, e-mail us at hello@earnest.com, or call 888-601-2801 for more information on our student loan refinance product.

Apply

on Earnest‘s website

Term

240 Months

4.59 - 5.87%

Variable APR

Apply

on Earnest‘s website

View Details

Loan Details

Earnest uses data and technology to understand every applicant's unique financial story and offer customized rates

Lower rates based on your future potential and full financial profile, not just your FICO score

More savings: Earnest clients save $30,939¹ on average by refinancing

Flexible terms that let you pick your exact monthly payment, prepay with no penalty, or pay bi-weekly

Lifetime service provided in-house. Unlike other lenders, Earnest will never pass you off to third-party servicers.

No fees for origination, prepayment or loan disbursement

Two-minute rate check with no obligation or impact to your credit score

Protection Details

Auto Pay Discount

Rate displayed includes the 0.25% APR discount for using auto-pay²

Forbearance

With documentation from your previous servicer to confirm, we may match your existing grace period for up to nine months

Payment Deferral

Available in select cases, including post-graduation grace periods, unemployment, economic hardship, enrollment in school, active military day and 13 months thereafter, and Peace Corps service

Disclosure

To qualify, you must be a U.S. citizen or possess a 10-year (non-conditional) Permanent Resident Card, reside in a state Earnest lends in, and satisfy our minimum eligibility criteria. You may find more information on loan eligibility here: https://www.earnest.com/eligibility. Not all applicants will be approved for a loan, and not all applicants qualify for the lowest rate. Approval and interest rate depend on the review of a complete application.

Earnest's fixed rate loan rates range from 3.89% APR (with autopay) to 6.32% APR (with autopay). Variable rate loan rates range from 2.47% APR (with autopay) to 5.87% APR (with autopay). For variable rate loans, although the interest rate will vary after you are approved, the interest rate will never exceed 8.95% for loan terms of 10 years or less. For loan terms of 10 to 15 years, the interest rate will never exceed 9.95%. For loan terms over 15 years, the interest rate will never exceed 11.95% (the maximum rates for these loans). Earnest variable interest rate loans are based on a publicly available index, the one month London Interbank Offered Rate (LIBOR). Your rate will be calculated each month by adding a margin between 0.85% and 4.15% to the one month LIBOR. The rate will not increase more than once per month. Earnest rate ranges are current as of August 23, 2018 and are subject to change based on market conditions and borrower eligibility.

¹Explanation of $30,939 Average Client Savings: Average savings calculation is based on all Earnest clients who refinanced student loans owned and serviced by Navient between 03/06/2017 and 03/31/2018. The savings figure of a particular client is calculated by subtracting the projected lifetime cost of their Earnest refinancing from the projected total cost of their original student loans. You may find more information on loan savings here: https://www.earnest.com/savings-disclaimer

²Autopay Discount: If you make monthly principal and interest payments by an automatic, monthly deduction from a savings or checking account, your rate will be reduced by one quarter of one percent (0.25%) for so long as you continue to make automatic, electronic monthly payments. This benefit is suspended during periods of deferment and forbearance.

The information provided on this page is updated as of 08/22/18. Earnest reserves the right to change, pause, or terminate product offerings at any time without notice.

Earnest loans are originated by Earnest Operations LLC. California Finance Lender License 6054788. NMLS # 1204917. Earnest Operations LLC is located at 303 2nd Street, Suite 401N, San Francisco, CA 94107. Terms and Conditions apply. Visit https://www.earnest.com/terms-of-service, e-mail us at hello@earnest.com, or call 888-601-2801 for more information on our student loan refinance product.

Apply

on College Ave‘s website

Term

180 Months

5.29 - 12.07%

Fixed APR

Apply

on College Ave‘s website

View Details

Loan Details

0.25% rate reduction with auto-pay for repayment²

No origination, application and processing fees, no fees for early repayment

Multiple repayment options including: full principal and interest, interest-only, deferred, and flat payment

Coverage up to 100% of your school-certified cost of attendance ($1,000 minimum)*

Protection Details

Auto Pay Discount

There is a 0.25% interest rate reduction when you set up auto-pay²

Interest Payments Only

Pay the interest charges each month as you go during school

Payment Deferral

No in-school payments required, but you'll pay more in interest over the life of your loan

Disclosure

College Ave Student Loans products are made available through either Firstrust Bank, member FDIC or M.Y. Safra Bank, FSB, member FDIC. All loans are subject to individual approval and adherence to underwriting guidelines. Program restrictions, other terms, and conditions apply.

(1) This informational repayment example uses typical loan terms for a refi borrower who selects the Full Principal & Interest Repayment Option with a 10-year repayment term, has a $40,000 loan and a 5.5% Annual Percentage Rate ("APR"): 120 monthly payments of $434.11 while in the repayment period, for a total amount of payments of $52,092.61. Loans will never have a full principal and interest monthly payment of less than $50. Your actual rates and repayment terms may vary.

(2) The 0.25% auto-pay interest rate reduction applies as long as the borrower or cosigner, if applicable, enrolls in auto-pay and authorizes our loan servicer to automatically deduct your monthly payments from a valid bank account via Automated Clearing House ("ACH"). The rate reduction applies for as long as the monthly payment amount is successfully deducted from the designated bank account and is suspended during periods of forbearance and certain deferments. Variable rates may increase after consummation.

Apply

on Earnest‘s website

Term

156 Months

4.86 - 5.80%

Fixed APR

Apply

on Earnest‘s website

View Details

Loan Details

Earnest uses data and technology to understand every applicant's unique financial story and offer customized rates

Lower rates based on your future potential and full financial profile, not just your FICO score

More savings: Earnest clients save $30,939¹ on average by refinancing

Flexible terms that let you pick your exact monthly payment, prepay with no penalty, or pay bi-weekly

Lifetime service provided in-house. Unlike other lenders, Earnest will never pass you off to third-party servicers.

No fees for origination, prepayment or loan disbursement

Two-minute rate check with no obligation or impact to your credit score

Protection Details

Auto Pay Discount

Rate displayed includes the 0.25% APR discount for using auto-pay²

Forbearance

With documentation from your previous servicer to confirm, we may match your existing grace period for up to nine months

Payment Deferral

Available in select cases, including post-graduation grace periods, unemployment, economic hardship, enrollment in school, active military day and 13 months thereafter, and Peace Corps service

Disclosure

To qualify, you must be a U.S. citizen or possess a 10-year (non-conditional) Permanent Resident Card, reside in a state Earnest lends in, and satisfy our minimum eligibility criteria. You may find more information on loan eligibility here: https://www.earnest.com/eligibility. Not all applicants will be approved for a loan, and not all applicants qualify for the lowest rate. Approval and interest rate depend on the review of a complete application.

Earnest's fixed rate loan rates range from 3.89% APR (with autopay) to 6.32% APR (with autopay). Variable rate loan rates range from 2.47% APR (with autopay) to 5.87% APR (with autopay). For variable rate loans, although the interest rate will vary after you are approved, the interest rate will never exceed 8.95% for loan terms of 10 years or less. For loan terms of 10 to 15 years, the interest rate will never exceed 9.95%. For loan terms over 15 years, the interest rate will never exceed 11.95% (the maximum rates for these loans). Earnest variable interest rate loans are based on a publicly available index, the one month London Interbank Offered Rate (LIBOR). Your rate will be calculated each month by adding a margin between 0.85% and 4.15% to the one month LIBOR. The rate will not increase more than once per month. Earnest rate ranges are current as of August 23, 2018 and are subject to change based on market conditions and borrower eligibility.

¹Explanation of $30,939 Average Client Savings: Average savings calculation is based on all Earnest clients who refinanced student loans owned and serviced by Navient between 03/06/2017 and 03/31/2018. The savings figure of a particular client is calculated by subtracting the projected lifetime cost of their Earnest refinancing from the projected total cost of their original student loans. You may find more information on loan savings here: https://www.earnest.com/savings-disclaimer

²Autopay Discount: If you make monthly principal and interest payments by an automatic, monthly deduction from a savings or checking account, your rate will be reduced by one quarter of one percent (0.25%) for so long as you continue to make automatic, electronic monthly payments. This benefit is suspended during periods of deferment and forbearance.

The information provided on this page is updated as of 08/22/18. Earnest reserves the right to change, pause, or terminate product offerings at any time without notice.

Earnest loans are originated by Earnest Operations LLC. California Finance Lender License 6054788. NMLS # 1204917. Earnest Operations LLC is located at 303 2nd Street, Suite 401N, San Francisco, CA 94107. Terms and Conditions apply. Visit https://www.earnest.com/terms-of-service, e-mail us at hello@earnest.com, or call 888-601-2801 for more information on our student loan refinance product.

Apply

on Earnest‘s website

Term

240 Months

5.19 - 6.32%

Fixed APR

Apply

on Earnest‘s website

View Details

Loan Details

Earnest uses data and technology to understand every applicant's unique financial story and offer customized rates

Lower rates based on your future potential and full financial profile, not just your FICO score

More savings: Earnest clients save $30,939¹ on average by refinancing

Flexible terms that let you pick your exact monthly payment, prepay with no penalty, or pay bi-weekly

Lifetime service provided in-house. Unlike other lenders, Earnest will never pass you off to third-party servicers.

No fees for origination, prepayment or loan disbursement

Two-minute rate check with no obligation or impact to your credit score

Protection Details

Auto Pay Discount

Rate displayed includes the 0.25% APR discount for using auto-pay²

Forbearance

With documentation from your previous servicer to confirm, we may match your existing grace period for up to nine months

Payment Deferral

Available in select cases, including post-graduation grace periods, unemployment, economic hardship, enrollment in school, active military day and 13 months thereafter, and Peace Corps service

Disclosure

To qualify, you must be a U.S. citizen or possess a 10-year (non-conditional) Permanent Resident Card, reside in a state Earnest lends in, and satisfy our minimum eligibility criteria. You may find more information on loan eligibility here: https://www.earnest.com/eligibility. Not all applicants will be approved for a loan, and not all applicants qualify for the lowest rate. Approval and interest rate depend on the review of a complete application.

Earnest's fixed rate loan rates range from 3.89% APR (with autopay) to 6.32% APR (with autopay). Variable rate loan rates range from 2.47% APR (with autopay) to 5.87% APR (with autopay). For variable rate loans, although the interest rate will vary after you are approved, the interest rate will never exceed 8.95% for loan terms of 10 years or less. For loan terms of 10 to 15 years, the interest rate will never exceed 9.95%. For loan terms over 15 years, the interest rate will never exceed 11.95% (the maximum rates for these loans). Earnest variable interest rate loans are based on a publicly available index, the one month London Interbank Offered Rate (LIBOR). Your rate will be calculated each month by adding a margin between 0.85% and 4.15% to the one month LIBOR. The rate will not increase more than once per month. Earnest rate ranges are current as of August 23, 2018 and are subject to change based on market conditions and borrower eligibility.

¹Explanation of $30,939 Average Client Savings: Average savings calculation is based on all Earnest clients who refinanced student loans owned and serviced by Navient between 03/06/2017 and 03/31/2018. The savings figure of a particular client is calculated by subtracting the projected lifetime cost of their Earnest refinancing from the projected total cost of their original student loans. You may find more information on loan savings here: https://www.earnest.com/savings-disclaimer

²Autopay Discount: If you make monthly principal and interest payments by an automatic, monthly deduction from a savings or checking account, your rate will be reduced by one quarter of one percent (0.25%) for so long as you continue to make automatic, electronic monthly payments. This benefit is suspended during periods of deferment and forbearance.

The information provided on this page is updated as of 08/22/18. Earnest reserves the right to change, pause, or terminate product offerings at any time without notice.

Earnest loans are originated by Earnest Operations LLC. California Finance Lender License 6054788. NMLS # 1204917. Earnest Operations LLC is located at 303 2nd Street, Suite 401N, San Francisco, CA 94107. Terms and Conditions apply. Visit https://www.earnest.com/terms-of-service, e-mail us at hello@earnest.com, or call 888-601-2801 for more information on our student loan refinance product.

Apply

on Earnest‘s website

Term

72 Months

2.99 - 5.46%

Variable APR

Apply

on Earnest‘s website

View Details

Loan Details

Earnest uses data and technology to understand every applicant's unique financial story and offer customized rates

Lower rates based on your future potential and full financial profile, not just your FICO score

More savings: Earnest clients save $30,939¹ on average by refinancing

Flexible terms that let you pick your exact monthly payment, prepay with no penalty, or pay bi-weekly

Lifetime service provided in-house. Unlike other lenders, Earnest will never pass you off to third-party servicers.

No fees for origination, prepayment or loan disbursement

Two-minute rate check with no obligation or impact to your credit score

Protection Details

Auto Pay Discount

Rate displayed includes the 0.25% APR discount for using auto-pay²

Forbearance

With documentation from your previous servicer to confirm, we may match your existing grace period for up to nine months

Payment Deferral

Available in select cases, including post-graduation grace periods, unemployment, economic hardship, enrollment in school, active military day and 13 months thereafter, and Peace Corps service

Disclosure

To qualify, you must be a U.S. citizen or possess a 10-year (non-conditional) Permanent Resident Card, reside in a state Earnest lends in, and satisfy our minimum eligibility criteria. You may find more information on loan eligibility here: https://www.earnest.com/eligibility. Not all applicants will be approved for a loan, and not all applicants qualify for the lowest rate. Approval and interest rate depend on the review of a complete application.

Earnest's fixed rate loan rates range from 3.89% APR (with autopay) to 6.32% APR (with autopay). Variable rate loan rates range from 2.47% APR (with autopay) to 5.87% APR (with autopay). For variable rate loans, although the interest rate will vary after you are approved, the interest rate will never exceed 8.95% for loan terms of 10 years or less. For loan terms of 10 to 15 years, the interest rate will never exceed 9.95%. For loan terms over 15 years, the interest rate will never exceed 11.95% (the maximum rates for these loans). Earnest variable interest rate loans are based on a publicly available index, the one month London Interbank Offered Rate (LIBOR). Your rate will be calculated each month by adding a margin between 0.85% and 4.15% to the one month LIBOR. The rate will not increase more than once per month. Earnest rate ranges are current as of August 23, 2018 and are subject to change based on market conditions and borrower eligibility.

¹Explanation of $30,939 Average Client Savings: Average savings calculation is based on all Earnest clients who refinanced student loans owned and serviced by Navient between 03/06/2017 and 03/31/2018. The savings figure of a particular client is calculated by subtracting the projected lifetime cost of their Earnest refinancing from the projected total cost of their original student loans. You may find more information on loan savings here: https://www.earnest.com/savings-disclaimer

²Autopay Discount: If you make monthly principal and interest payments by an automatic, monthly deduction from a savings or checking account, your rate will be reduced by one quarter of one percent (0.25%) for so long as you continue to make automatic, electronic monthly payments. This benefit is suspended during periods of deferment and forbearance.

The information provided on this page is updated as of 08/22/18. Earnest reserves the right to change, pause, or terminate product offerings at any time without notice.

Earnest loans are originated by Earnest Operations LLC. California Finance Lender License 6054788. NMLS # 1204917. Earnest Operations LLC is located at 303 2nd Street, Suite 401N, San Francisco, CA 94107. Terms and Conditions apply. Visit https://www.earnest.com/terms-of-service, e-mail us at hello@earnest.com, or call 888-601-2801 for more information on our student loan refinance product.

Apply

on Earnest‘s website

Term

180 Months

4.34 - 5.70%

Variable APR

Apply

on Earnest‘s website

View Details

Loan Details

Earnest uses data and technology to understand every applicant's unique financial story and offer customized rates

Lower rates based on your future potential and full financial profile, not just your FICO score

More savings: Earnest clients save $30,939¹ on average by refinancing

Flexible terms that let you pick your exact monthly payment, prepay with no penalty, or pay bi-weekly

Lifetime service provided in-house. Unlike other lenders, Earnest will never pass you off to third-party servicers.

No fees for origination, prepayment or loan disbursement

Two-minute rate check with no obligation or impact to your credit score

Protection Details

Auto Pay Discount

Rate displayed includes the 0.25% APR discount for using auto-pay²

Forbearance

With documentation from your previous servicer to confirm, we may match your existing grace period for up to nine months

Payment Deferral

Available in select cases, including post-graduation grace periods, unemployment, economic hardship, enrollment in school, active military day and 13 months thereafter, and Peace Corps service

Disclosure

To qualify, you must be a U.S. citizen or possess a 10-year (non-conditional) Permanent Resident Card, reside in a state Earnest lends in, and satisfy our minimum eligibility criteria. You may find more information on loan eligibility here: https://www.earnest.com/eligibility. Not all applicants will be approved for a loan, and not all applicants qualify for the lowest rate. Approval and interest rate depend on the review of a complete application.

Earnest's fixed rate loan rates range from 3.89% APR (with autopay) to 6.32% APR (with autopay). Variable rate loan rates range from 2.47% APR (with autopay) to 5.87% APR (with autopay). For variable rate loans, although the interest rate will vary after you are approved, the interest rate will never exceed 8.95% for loan terms of 10 years or less. For loan terms of 10 to 15 years, the interest rate will never exceed 9.95%. For loan terms over 15 years, the interest rate will never exceed 11.95% (the maximum rates for these loans). Earnest variable interest rate loans are based on a publicly available index, the one month London Interbank Offered Rate (LIBOR). Your rate will be calculated each month by adding a margin between 0.85% and 4.15% to the one month LIBOR. The rate will not increase more than once per month. Earnest rate ranges are current as of August 23, 2018 and are subject to change based on market conditions and borrower eligibility.

¹Explanation of $30,939 Average Client Savings: Average savings calculation is based on all Earnest clients who refinanced student loans owned and serviced by Navient between 03/06/2017 and 03/31/2018. The savings figure of a particular client is calculated by subtracting the projected lifetime cost of their Earnest refinancing from the projected total cost of their original student loans. You may find more information on loan savings here: https://www.earnest.com/savings-disclaimer

²Autopay Discount: If you make monthly principal and interest payments by an automatic, monthly deduction from a savings or checking account, your rate will be reduced by one quarter of one percent (0.25%) for so long as you continue to make automatic, electronic monthly payments. This benefit is suspended during periods of deferment and forbearance.

The information provided on this page is updated as of 08/22/18. Earnest reserves the right to change, pause, or terminate product offerings at any time without notice.

Earnest loans are originated by Earnest Operations LLC. California Finance Lender License 6054788. NMLS # 1204917. Earnest Operations LLC is located at 303 2nd Street, Suite 401N, San Francisco, CA 94107. Terms and Conditions apply. Visit https://www.earnest.com/terms-of-service, e-mail us at hello@earnest.com, or call 888-601-2801 for more information on our student loan refinance product.

Apply

on Earnest‘s website

Term

228 Months

4.54 - 5.85%

Variable APR

Apply

on Earnest‘s website

View Details

Loan Details

Earnest uses data and technology to understand every applicant's unique financial story and offer customized rates

Lower rates based on your future potential and full financial profile, not just your FICO score

More savings: Earnest clients save $30,939¹ on average by refinancing

Flexible terms that let you pick your exact monthly payment, prepay with no penalty, or pay bi-weekly

Lifetime service provided in-house. Unlike other lenders, Earnest will never pass you off to third-party servicers.

No fees for origination, prepayment or loan disbursement

Two-minute rate check with no obligation or impact to your credit score

Protection Details

Auto Pay Discount

Rate displayed includes the 0.25% APR discount for using auto-pay²

Forbearance

With documentation from your previous servicer to confirm, we may match your existing grace period for up to nine months

Payment Deferral

Available in select cases, including post-graduation grace periods, unemployment, economic hardship, enrollment in school, active military day and 13 months thereafter, and Peace Corps service

Disclosure

To qualify, you must be a U.S. citizen or possess a 10-year (non-conditional) Permanent Resident Card, reside in a state Earnest lends in, and satisfy our minimum eligibility criteria. You may find more information on loan eligibility here: https://www.earnest.com/eligibility. Not all applicants will be approved for a loan, and not all applicants qualify for the lowest rate. Approval and interest rate depend on the review of a complete application.

Earnest's fixed rate loan rates range from 3.89% APR (with autopay) to 6.32% APR (with autopay). Variable rate loan rates range from 2.47% APR (with autopay) to 5.87% APR (with autopay). For variable rate loans, although the interest rate will vary after you are approved, the interest rate will never exceed 8.95% for loan terms of 10 years or less. For loan terms of 10 to 15 years, the interest rate will never exceed 9.95%. For loan terms over 15 years, the interest rate will never exceed 11.95% (the maximum rates for these loans). Earnest variable interest rate loans are based on a publicly available index, the one month London Interbank Offered Rate (LIBOR). Your rate will be calculated each month by adding a margin between 0.85% and 4.15% to the one month LIBOR. The rate will not increase more than once per month. Earnest rate ranges are current as of August 23, 2018 and are subject to change based on market conditions and borrower eligibility.

¹Explanation of $30,939 Average Client Savings: Average savings calculation is based on all Earnest clients who refinanced student loans owned and serviced by Navient between 03/06/2017 and 03/31/2018. The savings figure of a particular client is calculated by subtracting the projected lifetime cost of their Earnest refinancing from the projected total cost of their original student loans. You may find more information on loan savings here: https://www.earnest.com/savings-disclaimer

²Autopay Discount: If you make monthly principal and interest payments by an automatic, monthly deduction from a savings or checking account, your rate will be reduced by one quarter of one percent (0.25%) for so long as you continue to make automatic, electronic monthly payments. This benefit is suspended during periods of deferment and forbearance.

The information provided on this page is updated as of 08/22/18. Earnest reserves the right to change, pause, or terminate product offerings at any time without notice.

Earnest loans are originated by Earnest Operations LLC. California Finance Lender License 6054788. NMLS # 1204917. Earnest Operations LLC is located at 303 2nd Street, Suite 401N, San Francisco, CA 94107. Terms and Conditions apply. Visit https://www.earnest.com/terms-of-service, e-mail us at hello@earnest.com, or call 888-601-2801 for more information on our student loan refinance product.

Apply

on Earnest‘s website

Term

132 Months

4.14 - 5.57%

Variable APR

Apply

on Earnest‘s website

View Details

Loan Details

Earnest uses data and technology to understand every applicant's unique financial story and offer customized rates

Lower rates based on your future potential and full financial profile, not just your FICO score

More savings: Earnest clients save $30,939¹ on average by refinancing

Flexible terms that let you pick your exact monthly payment, prepay with no penalty, or pay bi-weekly

Lifetime service provided in-house. Unlike other lenders, Earnest will never pass you off to third-party servicers.

No fees for origination, prepayment or loan disbursement

Two-minute rate check with no obligation or impact to your credit score

Protection Details

Auto Pay Discount

Rate displayed includes the 0.25% APR discount for using auto-pay²

Forbearance

With documentation from your previous servicer to confirm, we may match your existing grace period for up to nine months

Payment Deferral

Available in select cases, including post-graduation grace periods, unemployment, economic hardship, enrollment in school, active military day and 13 months thereafter, and Peace Corps service

Disclosure

To qualify, you must be a U.S. citizen or possess a 10-year (non-conditional) Permanent Resident Card, reside in a state Earnest lends in, and satisfy our minimum eligibility criteria. You may find more information on loan eligibility here: https://www.earnest.com/eligibility. Not all applicants will be approved for a loan, and not all applicants qualify for the lowest rate. Approval and interest rate depend on the review of a complete application.

Earnest's fixed rate loan rates range from 3.89% APR (with autopay) to 6.32% APR (with autopay). Variable rate loan rates range from 2.47% APR (with autopay) to 5.87% APR (with autopay). For variable rate loans, although the interest rate will vary after you are approved, the interest rate will never exceed 8.95% for loan terms of 10 years or less. For loan terms of 10 to 15 years, the interest rate will never exceed 9.95%. For loan terms over 15 years, the interest rate will never exceed 11.95% (the maximum rates for these loans). Earnest variable interest rate loans are based on a publicly available index, the one month London Interbank Offered Rate (LIBOR). Your rate will be calculated each month by adding a margin between 0.85% and 4.15% to the one month LIBOR. The rate will not increase more than once per month. Earnest rate ranges are current as of August 23, 2018 and are subject to change based on market conditions and borrower eligibility.

¹Explanation of $30,939 Average Client Savings: Average savings calculation is based on all Earnest clients who refinanced student loans owned and serviced by Navient between 03/06/2017 and 03/31/2018. The savings figure of a particular client is calculated by subtracting the projected lifetime cost of their Earnest refinancing from the projected total cost of their original student loans. You may find more information on loan savings here: https://www.earnest.com/savings-disclaimer

²Autopay Discount: If you make monthly principal and interest payments by an automatic, monthly deduction from a savings or checking account, your rate will be reduced by one quarter of one percent (0.25%) for so long as you continue to make automatic, electronic monthly payments. This benefit is suspended during periods of deferment and forbearance.

The information provided on this page is updated as of 08/22/18. Earnest reserves the right to change, pause, or terminate product offerings at any time without notice.

Earnest loans are originated by Earnest Operations LLC. California Finance Lender License 6054788. NMLS # 1204917. Earnest Operations LLC is located at 303 2nd Street, Suite 401N, San Francisco, CA 94107. Terms and Conditions apply. Visit https://www.earnest.com/terms-of-service, e-mail us at hello@earnest.com, or call 888-601-2801 for more information on our student loan refinance product.

Apply

on Educational Loan Finance‘s website

Term

84 Months

3.73 - 5.14%

Variable APR

Apply

on Educational Loan Finance‘s website

View Details

Loan Details

Low rates and flexible terms*

No application fees, origination fees, or prepayment penalties

Loan amounts starting at $15,000

Consolidate multiple loans into one easy monthly payment

Get your rate without affecting your credit score

Apply in minutes. Our online loan application is fast and simple.

Outstanding personalized service from our Personal Loan Advisors

We have a longstanding history and expertise in serving student loan borrowers

You can earn a $100 bonus just for closing your loan within 30 days of your initial application**

Earn $400 for each new client you refer through our generous referral program**

Protection Details

Forbearance

Disclosure

*Subject to credit approval. Terms and conditions apply. http://www.elfi.com/terms/
**Visit website for full details. Restrictions apply. Taxes are the sole responsibility of the recipient.

Apply

on Educational Loan Finance‘s website

Term

180 Months

4.72 - 6.69%

Fixed APR

Apply

on Educational Loan Finance‘s website

View Details

Loan Details

Low rates and flexible terms*

No application fees, origination fees, or prepayment penalties

Loan amounts starting at $15,000

Consolidate multiple loans into one easy monthly payment

Get your rate without affecting your credit score

Apply in minutes. Our online loan application is fast and simple.

Outstanding personalized service from our Personal Loan Advisors

We have a longstanding history and expertise in serving student loan borrowers

You can earn a $100 bonus just for closing your loan within 30 days of your initial application**

Earn $400 for each new client you refer through our generous referral program**

Protection Details

Forbearance

Disclosure

*Subject to credit approval. Terms and conditions apply. http://www.elfi.com/terms/
**Visit website for full details. Restrictions apply. Taxes are the sole responsibility of the recipient.

Apply

on Laurel Road‘s website

Term

60 Months

2.95 - 5.77%

Variable APR

Apply

on Laurel Road‘s website

View Details

Loan Details

5 Year Repayment Term

Variable interest rates from 2.95% to 5.77%

No maximum loan amount; $5,000 minimum

No origination fees, no prepayment penalties, and no obligation to accept the offer

Check your rates in minutes online without impacting your credit score

Private and Federal loans are eligible

0.25% rate discount for making automatic payments from a checking account

Co-signer option

$100/month repayment option for medical and dental residents

Average borrower saves over $20,000* when refinancing with Laurel Road

Protection Details

Auto Pay Discount

There is a 0.25% interest rate reduction when you set up auto-pay

Forbearance

Up to 12 months of forbearance is available at Laurel Road's discretion

Payment Deferral

Disclosure

REFINANCE/CONSOLIDATION LOAN - RATE DETAILS, TERMS, AND CONDITIONS
Laurel Road Bank is a Connecticut state-chartered bank offering products in all 50 U.S. states, Washington, D.C., and Puerto Rico. Laurel Road has helped thousands of professionals with graduate and undergraduate degrees across the country to refinance and consolidate over $3 billion in federal and private school loans, saving these borrowers thousands of dollars each.
Lending services provided by Laurel Road Bank, Member FDIC.
Laurel Road Bank is an Equal Opportunity Lender.
©2018 Laurel Road Bank.
EFT DISCOUNT
The interest rate table above is inclusive of all Electronic Funds Transfer (EFT) discounts. To qualify for the EFT discount of 0.25%, monthly payments must be paid automatically from a bank account.
FIXED APR
Fixed rate options consist of a range from 3.75% per year to 5.80% per year for a 5-year term, 5.14% per year to 6.25% per year for a 7-year term, 5.24% per year to 6.65% per year for a 10-year term, 5.30% per year to 7.05% per year for a 15-year term, or 5.61% per year to 7.27% per year for a 20-year term, with no origination fees. The fixed interest rate will apply until the loan is paid in full (whether before or after default, and whether before or after the scheduled maturity date of the loan). The monthly payment for a sample $10,000 loan at a range of 3.75% per year to 5.80% per year for a 5-year term would be from $183.04 to $192.40. The monthly payment for a sample $10,000 loan at a range of 5.14% per year to 6.25% per year for a 7-year term would be from $142.00 to $147.29. The monthly payment for a sample $10,000 loan at a range of 5.24% per year to 6.65% per year for a 10-year term would be from $107.24 to $114.31. The monthly payment for a sample $10,000 loan at a range of 5.30% per year to 7.05% per year for a 15-year term would be from $80.65 to $90.16. The monthly payment for a sample $10,000 loan at a range of 5.61% per year to 7.27% per year for a 20-year term would be from $69.41 to $79.16.
However, if the borrower chooses to make monthly payments automatically by electronic funds transfer (EFT) from a bank account, the fixed rate will decrease by 0.25%, and will increase back up to the regular fixed interest rate described in the preceding paragraph if the borrower stops making (or we stop accepting) monthly payments automatically by EFT from the designated borrower's bank account.
VARIABLE APR
Variable rate options consist of a range from 3.20% per year to 6.02% per year for a 5-year term, 4.57% per year to 6.07% per year for a 7-year term, 4.62% per year to 6.12% per year for a 10-year term, 4.87% per year to 6.37% per year for a 15-year term, or 5.12% per year to 6.62% per year for a 20-year term, with no origination fees. APR is subject to increase after consummation. The variable interest rate will change on the first day of every month ("Change Date") if the Current Index changes. The variable interest rates are based on a Current Index, which is the 1-month London Interbank Offered Rate (LIBOR) (currency in US dollars), as published on The Wall Street Journal's website. The variable interest rates and Annual Percentage Rate (APR) will increase or decrease when the 1-month LIBOR index changes. The variable interest rates are calculated by adding a margin ranging from 0.98% to 3.80% for the 5-year term loan, 2.35% to 3.85% for the 7-year term loan, 2.40% to 3.90% for the 10-year term loan, 2.65% to 4.15% for the 15-year term loan, and 2.90% to 4.40% for the 20-year term loan, respectively, to the 1-month LIBOR index published on the 25th day of each month immediately preceding each "Change Date," as defined above, rounded to two decimal places, with no origination fees. If the 25th day of the month is not a business day or is a US federal holiday, the reference date will be the most recent date preceding the 25th day of the month that is a business day. The monthly payment for a sample $10,000 loan at a range of 3.20% per year to 6.02% per year for a 5-year term would be from $180.58 to $193.42. The monthly payment for a sample $10,000 loan at a range of 4.57% per year to 6.07% per year for a 7-year term would be from $139.33 to $146.42. The monthly payment for a sample $10,000 loan at a range of 4.62% per year to 6.12% per year for a 10-year term would be from $104.22 to $111.62. The monthly payment for a sample $10,000 loan at a range of 4.87% per year to 6.37% per year for a 15-year term would be from $78.40 to $86.40. The monthly payment for a sample $10,000 loan at a range of 5.12% per year to 6.62% per year for a 20-year term would be from $66.66 to $75.27.
However, if the borrower chooses to make monthly payments automatically by electronic funds transfer (EFT) from a bank account, the variable rate will decrease by 0.25%, and will increase back up to the regular variable interest rate described in the preceding paragraph if the borrower stops making (or we stop accepting) monthly payments automatically by EFT from the designated borrower's bank account.
MAXIMUM RATES
Borrowers who take out a variable loan with a term of 5, 7, or 10 years will have a maximum interest rate of 9%. Borrowers who take out a 15 or 20-year variable loan will have a maximum interest rate of 10%.
FEE INFORMATION
Laurel Road has no origination fees and no prepayment penalties. However, if Laurel Road does not receive any part of a payment within 15 days after the due date, it may assess a late fee not to exceed 5% of the late payment or $28, whichever is less. The borrower may be charged $20 for any payment (including a check or an electronic payment) that is returned unpaid due to non-sufficient funds (NSF) or a closed account.
LOAN AMOUNT
Up to 100% of outstanding private and federal student loans (minimum $5,000). If you are refinancing greater than $300,000 in student loan debt, Laurel Road will refinance the loans into 2 or more new loans.
ELIGIBILITY
Must be a U.S. Citizen or Permanent Resident with a valid I-551 card (which must show a minimum of 10 years between "Resident Since" date and "Card Expires" date or has no expiration date) and meet Laurel Road underwriting criteria (including, for example, employment, employer size, debt-to-income, disposable income, total student loan debt relative to annual salary level, and credit history requirements).
ELIGIBLE LOANS
Graduates may refinance and/or consolidate any unsubsidized or subsidized Federal or private student loan that was used exclusively for qualified higher education expenses (as defined in 26 USC Section 221) at an accredited U.S. undergraduate or graduate school. All loans must be in grace or repayment status and cannot be in default.
INTEREST RATES
The interest rate you are offered will depend on your credit profile, income, and total debt payments as well as your choice of fixed or variable and choice of term. For applicants who are currently medical or dental residents, your rate offer may also vary depending on whether you have secured employment for after residency.
DISBURSEMENT OPTIONS
The repayment of any refinance and/or consolidation student loan will commence (1) immediately after disbursement by us, or (2) after any grace or in-school deferment period, existing prior to refinancing and/or consolidation with us, has expired.
POSTPONING OR REDUCING PAYMENTS
After loan disbursement, if a borrower documents a qualifying economic hardship, we may agree in our discretion to allow for full or partial forbearance of payments for one or more 3-month time periods (not to exceed 12 months in the aggregate during the term of your loan), provided that we receive acceptable documentation (including updating documentation) of the nature and expected duration of the borrower's economic hardship.
We may agree under certain circumstances to allow a borrower to make $100/month payments for a period of time immediately after loan disbursement if the borrower is employed full-time as an intern, resident, or similar postgraduate trainee at the time of loan disbursement. These payments may not be enough to cover all of the interest that accrues on the loan. Unpaid accrued interest will be added to your loan and monthly payments of principal and interest will begin when the post-graduate training program ends.
We may agree under certain circumstances to allow postponement (deferral) of monthly payments of principal and interest for a period of time immediately following loan disbursement (not to exceed 6 months after the borrower's graduation with an eligible degree), if the borrower is an eligible student in the borrower's final term at the time of loan disbursement or graduated less than 6 months before loan disbursement, and has accepted an offer of (or has already begun) full-time employment.
If Laurel Road agrees (in its sole discretion) to postpone or reduce any monthly payment(s) for a period of time, interest on the loan will continue to accrue for each day principal is owed. Although the borrower might not be required to make payments during such a period, the borrower may continue to make payments during such a period. Making payments, or paying some of the interest, will reduce the total amount that will be required to be paid over the life of the loan. Interest not paid during any period when Laurel Road has agreed to postpone or reduce any monthly payment will be added to the principal balance through capitalization (compounding) at the end of such a period, one month before the borrower is required to resume making regular monthly payments.
SAVINGS EXAMPLE
Average savings calculated based on single loans refinanced from 9/2013 to 12/2017 where borrowers' previous rates were disclosed. Assumes same loan terms for previous and refinanced loans, and payments made to maturity with no prepayments. Actual savings for individual loans vary based on loan balance, interest rates, and other factors.
LAUREL ROAD RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS AND BENEFITS AT ANY TIME WITHOUT NOTICE.
This information is current as of October 1st, 2018 and is subject to change.

Apply

on CommonBond‘s website

Term

60 Months

3.4 - 7.63%

Variable APR

Apply

on CommonBond‘s website

View Details

Loan Details

With our easy online application, you can apply in minutes. There are no pre-payment penalties and no hassles.

For every loan we fund, we also fund the education of a child in need. We're the first - and only - lender to make that promise.

We provide low interest rates and flexible repayment options so you can tailor your loans to your family's financial situation.

Our award-winning Care Team is available by phone, email, and live chat to answer any questions you have

Protection Details

Auto Pay Discount

There is a 0.25% interest rate reduction when you set up auto-pay¹

Forbearance

Up to two years of forebearance due to financial hardship

Interest Payments Only

Payment Deferral

Deferred while in school

Disclosure

Offered terms are subject to change. Loans are offered by CommonBond Lending, LLC (NMLS # 1175900). If you are approved for a loan, the interest rate offered will depend on your credit profile, your application, the loan term selected and will be within the ranges of rates shown.

¹All Annual Percentage Rates (APRs) displayed assume borrowers enroll in auto pay and account for the 0.25% reduction in interest rate. All variable rates are based on 1-month LIBOR

Apply

on Laurel Road‘s website

Term

120 Months

4.99 - 6.40%

Fixed APR

Apply

on Laurel Road‘s website

View Details

Loan Details

10 Year Repayment Term

Variable interest rates from 4.99% to 6.4%

No maximum loan amount; $5,000 minimum

No origination fees, no prepayment penalties, and no obligation to accept the offer

Check your rates in minutes online without impacting your credit score

Private and Federal loans are eligible

0.25% rate discount for making automatic payments from a checking account

Co-signer option

$100/month repayment option for medical and dental residents

Average borrower saves over $20,000* when refinancing with Laurel Road

Protection Details

Auto Pay Discount

There is a 0.25% interest rate reduction when you set up auto-pay

Forbearance

Up to 12 months of forbearance is available at Laurel Road's discretion

Payment Deferral

Disclosure

REFINANCE/CONSOLIDATION LOAN - RATE DETAILS, TERMS, AND CONDITIONS
Laurel Road Bank is a Connecticut state-chartered bank offering products in all 50 U.S. states, Washington, D.C., and Puerto Rico. Laurel Road has helped thousands of professionals with graduate and undergraduate degrees across the country to refinance and consolidate over $3 billion in federal and private school loans, saving these borrowers thousands of dollars each.
Lending services provided by Laurel Road Bank, Member FDIC.
Laurel Road Bank is an Equal Opportunity Lender.
©2018 Laurel Road Bank.
EFT DISCOUNT
The interest rate table above is inclusive of all Electronic Funds Transfer (EFT) discounts. To qualify for the EFT discount of 0.25%, monthly payments must be paid automatically from a bank account.
FIXED APR
Fixed rate options consist of a range from 3.75% per year to 5.80% per year for a 5-year term, 5.14% per year to 6.25% per year for a 7-year term, 5.24% per year to 6.65% per year for a 10-year term, 5.30% per year to 7.05% per year for a 15-year term, or 5.61% per year to 7.27% per year for a 20-year term, with no origination fees. The fixed interest rate will apply until the loan is paid in full (whether before or after default, and whether before or after the scheduled maturity date of the loan). The monthly payment for a sample $10,000 loan at a range of 3.75% per year to 5.80% per year for a 5-year term would be from $183.04 to $192.40. The monthly payment for a sample $10,000 loan at a range of 5.14% per year to 6.25% per year for a 7-year term would be from $142.00 to $147.29. The monthly payment for a sample $10,000 loan at a range of 5.24% per year to 6.65% per year for a 10-year term would be from $107.24 to $114.31. The monthly payment for a sample $10,000 loan at a range of 5.30% per year to 7.05% per year for a 15-year term would be from $80.65 to $90.16. The monthly payment for a sample $10,000 loan at a range of 5.61% per year to 7.27% per year for a 20-year term would be from $69.41 to $79.16.
However, if the borrower chooses to make monthly payments automatically by electronic funds transfer (EFT) from a bank account, the fixed rate will decrease by 0.25%, and will increase back up to the regular fixed interest rate described in the preceding paragraph if the borrower stops making (or we stop accepting) monthly payments automatically by EFT from the designated borrower's bank account.
VARIABLE APR
Variable rate options consist of a range from 3.20% per year to 6.02% per year for a 5-year term, 4.57% per year to 6.07% per year for a 7-year term, 4.62% per year to 6.12% per year for a 10-year term, 4.87% per year to 6.37% per year for a 15-year term, or 5.12% per year to 6.62% per year for a 20-year term, with no origination fees. APR is subject to increase after consummation. The variable interest rate will change on the first day of every month ("Change Date") if the Current Index changes. The variable interest rates are based on a Current Index, which is the 1-month London Interbank Offered Rate (LIBOR) (currency in US dollars), as published on The Wall Street Journal's website. The variable interest rates and Annual Percentage Rate (APR) will increase or decrease when the 1-month LIBOR index changes. The variable interest rates are calculated by adding a margin ranging from 0.98% to 3.80% for the 5-year term loan, 2.35% to 3.85% for the 7-year term loan, 2.40% to 3.90% for the 10-year term loan, 2.65% to 4.15% for the 15-year term loan, and 2.90% to 4.40% for the 20-year term loan, respectively, to the 1-month LIBOR index published on the 25th day of each month immediately preceding each "Change Date," as defined above, rounded to two decimal places, with no origination fees. If the 25th day of the month is not a business day or is a US federal holiday, the reference date will be the most recent date preceding the 25th day of the month that is a business day. The monthly payment for a sample $10,000 loan at a range of 3.20% per year to 6.02% per year for a 5-year term would be from $180.58 to $193.42. The monthly payment for a sample $10,000 loan at a range of 4.57% per year to 6.07% per year for a 7-year term would be from $139.33 to $146.42. The monthly payment for a sample $10,000 loan at a range of 4.62% per year to 6.12% per year for a 10-year term would be from $104.22 to $111.62. The monthly payment for a sample $10,000 loan at a range of 4.87% per year to 6.37% per year for a 15-year term would be from $78.40 to $86.40. The monthly payment for a sample $10,000 loan at a range of 5.12% per year to 6.62% per year for a 20-year term would be from $66.66 to $75.27.
However, if the borrower chooses to make monthly payments automatically by electronic funds transfer (EFT) from a bank account, the variable rate will decrease by 0.25%, and will increase back up to the regular variable interest rate described in the preceding paragraph if the borrower stops making (or we stop accepting) monthly payments automatically by EFT from the designated borrower's bank account.
MAXIMUM RATES
Borrowers who take out a variable loan with a term of 5, 7, or 10 years will have a maximum interest rate of 9%. Borrowers who take out a 15 or 20-year variable loan will have a maximum interest rate of 10%.
FEE INFORMATION
Laurel Road has no origination fees and no prepayment penalties. However, if Laurel Road does not receive any part of a payment within 15 days after the due date, it may assess a late fee not to exceed 5% of the late payment or $28, whichever is less. The borrower may be charged $20 for any payment (including a check or an electronic payment) that is returned unpaid due to non-sufficient funds (NSF) or a closed account.
LOAN AMOUNT
Up to 100% of outstanding private and federal student loans (minimum $5,000). If you are refinancing greater than $300,000 in student loan debt, Laurel Road will refinance the loans into 2 or more new loans.
ELIGIBILITY
Must be a U.S. Citizen or Permanent Resident with a valid I-551 card (which must show a minimum of 10 years between "Resident Since" date and "Card Expires" date or has no expiration date) and meet Laurel Road underwriting criteria (including, for example, employment, employer size, debt-to-income, disposable income, total student loan debt relative to annual salary level, and credit history requirements).
ELIGIBLE LOANS
Graduates may refinance and/or consolidate any unsubsidized or subsidized Federal or private student loan that was used exclusively for qualified higher education expenses (as defined in 26 USC Section 221) at an accredited U.S. undergraduate or graduate school. All loans must be in grace or repayment status and cannot be in default.
INTEREST RATES
The interest rate you are offered will depend on your credit profile, income, and total debt payments as well as your choice of fixed or variable and choice of term. For applicants who are currently medical or dental residents, your rate offer may also vary depending on whether you have secured employment for after residency.
DISBURSEMENT OPTIONS
The repayment of any refinance and/or consolidation student loan will commence (1) immediately after disbursement by us, or (2) after any grace or in-school deferment period, existing prior to refinancing and/or consolidation with us, has expired.
POSTPONING OR REDUCING PAYMENTS
After loan disbursement, if a borrower documents a qualifying economic hardship, we may agree in our discretion to allow for full or partial forbearance of payments for one or more 3-month time periods (not to exceed 12 months in the aggregate during the term of your loan), provided that we receive acceptable documentation (including updating documentation) of the nature and expected duration of the borrower's economic hardship.
We may agree under certain circumstances to allow a borrower to make $100/month payments for a period of time immediately after loan disbursement if the borrower is employed full-time as an intern, resident, or similar postgraduate trainee at the time of loan disbursement. These payments may not be enough to cover all of the interest that accrues on the loan. Unpaid accrued interest will be added to your loan and monthly payments of principal and interest will begin when the post-graduate training program ends.
We may agree under certain circumstances to allow postponement (deferral) of monthly payments of principal and interest for a period of time immediately following loan disbursement (not to exceed 6 months after the borrower's graduation with an eligible degree), if the borrower is an eligible student in the borrower's final term at the time of loan disbursement or graduated less than 6 months before loan disbursement, and has accepted an offer of (or has already begun) full-time employment.
If Laurel Road agrees (in its sole discretion) to postpone or reduce any monthly payment(s) for a period of time, interest on the loan will continue to accrue for each day principal is owed. Although the borrower might not be required to make payments during such a period, the borrower may continue to make payments during such a period. Making payments, or paying some of the interest, will reduce the total amount that will be required to be paid over the life of the loan. Interest not paid during any period when Laurel Road has agreed to postpone or reduce any monthly payment will be added to the principal balance through capitalization (compounding) at the end of such a period, one month before the borrower is required to resume making regular monthly payments.
SAVINGS EXAMPLE
Average savings calculated based on single loans refinanced from 9/2013 to 12/2017 where borrowers' previous rates were disclosed. Assumes same loan terms for previous and refinanced loans, and payments made to maturity with no prepayments. Actual savings for individual loans vary based on loan balance, interest rates, and other factors.
LAUREL ROAD RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS AND BENEFITS AT ANY TIME WITHOUT NOTICE.
This information is current as of October 1st, 2018 and is subject to change.

Apply

on Laurel Road‘s website

Term

120 Months

4.37 - 5.87%

Variable APR

Apply

on Laurel Road‘s website

View Details

Loan Details

10 Year Repayment Term

Variable interest rates from 4.37% to 5.87%

No maximum loan amount; $5,000 minimum

No origination fees, no prepayment penalties, and no obligation to accept the offer

Check your rates in minutes online without impacting your credit score

Private and Federal loans are eligible

0.25% rate discount for making automatic payments from a checking account

Co-signer option

$100/month repayment option for medical and dental residents

Average borrower saves over $20,000* when refinancing with Laurel Road

Protection Details

Auto Pay Discount

There is a 0.25% interest rate reduction when you set up auto-pay

Forbearance

Up to 12 months of forbearance is available at Laurel Road's discretion

Payment Deferral

Disclosure

REFINANCE/CONSOLIDATION LOAN - RATE DETAILS, TERMS, AND CONDITIONS
Laurel Road Bank is a Connecticut state-chartered bank offering products in all 50 U.S. states, Washington, D.C., and Puerto Rico. Laurel Road has helped thousands of professionals with graduate and undergraduate degrees across the country to refinance and consolidate over $3 billion in federal and private school loans, saving these borrowers thousands of dollars each.
Lending services provided by Laurel Road Bank, Member FDIC.
Laurel Road Bank is an Equal Opportunity Lender.
©2018 Laurel Road Bank.
EFT DISCOUNT
The interest rate table above is inclusive of all Electronic Funds Transfer (EFT) discounts. To qualify for the EFT discount of 0.25%, monthly payments must be paid automatically from a bank account.
FIXED APR
Fixed rate options consist of a range from 3.75% per year to 5.80% per year for a 5-year term, 5.14% per year to 6.25% per year for a 7-year term, 5.24% per year to 6.65% per year for a 10-year term, 5.30% per year to 7.05% per year for a 15-year term, or 5.61% per year to 7.27% per year for a 20-year term, with no origination fees. The fixed interest rate will apply until the loan is paid in full (whether before or after default, and whether before or after the scheduled maturity date of the loan). The monthly payment for a sample $10,000 loan at a range of 3.75% per year to 5.80% per year for a 5-year term would be from $183.04 to $192.40. The monthly payment for a sample $10,000 loan at a range of 5.14% per year to 6.25% per year for a 7-year term would be from $142.00 to $147.29. The monthly payment for a sample $10,000 loan at a range of 5.24% per year to 6.65% per year for a 10-year term would be from $107.24 to $114.31. The monthly payment for a sample $10,000 loan at a range of 5.30% per year to 7.05% per year for a 15-year term would be from $80.65 to $90.16. The monthly payment for a sample $10,000 loan at a range of 5.61% per year to 7.27% per year for a 20-year term would be from $69.41 to $79.16.
However, if the borrower chooses to make monthly payments automatically by electronic funds transfer (EFT) from a bank account, the fixed rate will decrease by 0.25%, and will increase back up to the regular fixed interest rate described in the preceding paragraph if the borrower stops making (or we stop accepting) monthly payments automatically by EFT from the designated borrower's bank account.
VARIABLE APR
Variable rate options consist of a range from 3.20% per year to 6.02% per year for a 5-year term, 4.57% per year to 6.07% per year for a 7-year term, 4.62% per year to 6.12% per year for a 10-year term, 4.87% per year to 6.37% per year for a 15-year term, or 5.12% per year to 6.62% per year for a 20-year term, with no origination fees. APR is subject to increase after consummation. The variable interest rate will change on the first day of every month ("Change Date") if the Current Index changes. The variable interest rates are based on a Current Index, which is the 1-month London Interbank Offered Rate (LIBOR) (currency in US dollars), as published on The Wall Street Journal's website. The variable interest rates and Annual Percentage Rate (APR) will increase or decrease when the 1-month LIBOR index changes. The variable interest rates are calculated by adding a margin ranging from 0.98% to 3.80% for the 5-year term loan, 2.35% to 3.85% for the 7-year term loan, 2.40% to 3.90% for the 10-year term loan, 2.65% to 4.15% for the 15-year term loan, and 2.90% to 4.40% for the 20-year term loan, respectively, to the 1-month LIBOR index published on the 25th day of each month immediately preceding each "Change Date," as defined above, rounded to two decimal places, with no origination fees. If the 25th day of the month is not a business day or is a US federal holiday, the reference date will be the most recent date preceding the 25th day of the month that is a business day. The monthly payment for a sample $10,000 loan at a range of 3.20% per year to 6.02% per year for a 5-year term would be from $180.58 to $193.42. The monthly payment for a sample $10,000 loan at a range of 4.57% per year to 6.07% per year for a 7-year term would be from $139.33 to $146.42. The monthly payment for a sample $10,000 loan at a range of 4.62% per year to 6.12% per year for a 10-year term would be from $104.22 to $111.62. The monthly payment for a sample $10,000 loan at a range of 4.87% per year to 6.37% per year for a 15-year term would be from $78.40 to $86.40. The monthly payment for a sample $10,000 loan at a range of 5.12% per year to 6.62% per year for a 20-year term would be from $66.66 to $75.27.
However, if the borrower chooses to make monthly payments automatically by electronic funds transfer (EFT) from a bank account, the variable rate will decrease by 0.25%, and will increase back up to the regular variable interest rate described in the preceding paragraph if the borrower stops making (or we stop accepting) monthly payments automatically by EFT from the designated borrower's bank account.
MAXIMUM RATES
Borrowers who take out a variable loan with a term of 5, 7, or 10 years will have a maximum interest rate of 9%. Borrowers who take out a 15 or 20-year variable loan will have a maximum interest rate of 10%.
FEE INFORMATION
Laurel Road has no origination fees and no prepayment penalties. However, if Laurel Road does not receive any part of a payment within 15 days after the due date, it may assess a late fee not to exceed 5% of the late payment or $28, whichever is less. The borrower may be charged $20 for any payment (including a check or an electronic payment) that is returned unpaid due to non-sufficient funds (NSF) or a closed account.
LOAN AMOUNT
Up to 100% of outstanding private and federal student loans (minimum $5,000). If you are refinancing greater than $300,000 in student loan debt, Laurel Road will refinance the loans into 2 or more new loans.
ELIGIBILITY
Must be a U.S. Citizen or Permanent Resident with a valid I-551 card (which must show a minimum of 10 years between "Resident Since" date and "Card Expires" date or has no expiration date) and meet Laurel Road underwriting criteria (including, for example, employment, employer size, debt-to-income, disposable income, total student loan debt relative to annual salary level, and credit history requirements).
ELIGIBLE LOANS
Graduates may refinance and/or consolidate any unsubsidized or subsidized Federal or private student loan that was used exclusively for qualified higher education expenses (as defined in 26 USC Section 221) at an accredited U.S. undergraduate or graduate school. All loans must be in grace or repayment status and cannot be in default.
INTEREST RATES
The interest rate you are offered will depend on your credit profile, income, and total debt payments as well as your choice of fixed or variable and choice of term. For applicants who are currently medical or dental residents, your rate offer may also vary depending on whether you have secured employment for after residency.
DISBURSEMENT OPTIONS
The repayment of any refinance and/or consolidation student loan will commence (1) immediately after disbursement by us, or (2) after any grace or in-school deferment period, existing prior to refinancing and/or consolidation with us, has expired.
POSTPONING OR REDUCING PAYMENTS
After loan disbursement, if a borrower documents a qualifying economic hardship, we may agree in our discretion to allow for full or partial forbearance of payments for one or more 3-month time periods (not to exceed 12 months in the aggregate during the term of your loan), provided that we receive acceptable documentation (including updating documentation) of the nature and expected duration of the borrower's economic hardship.
We may agree under certain circumstances to allow a borrower to make $100/month payments for a period of time immediately after loan disbursement if the borrower is employed full-time as an intern, resident, or similar postgraduate trainee at the time of loan disbursement. These payments may not be enough to cover all of the interest that accrues on the loan. Unpaid accrued interest will be added to your loan and monthly payments of principal and interest will begin when the post-graduate training program ends.
We may agree under certain circumstances to allow postponement (deferral) of monthly payments of principal and interest for a period of time immediately following loan disbursement (not to exceed 6 months after the borrower's graduation with an eligible degree), if the borrower is an eligible student in the borrower's final term at the time of loan disbursement or graduated less than 6 months before loan disbursement, and has accepted an offer of (or has already begun) full-time employment.
If Laurel Road agrees (in its sole discretion) to postpone or reduce any monthly payment(s) for a period of time, interest on the loan will continue to accrue for each day principal is owed. Although the borrower might not be required to make payments during such a period, the borrower may continue to make payments during such a period. Making payments, or paying some of the interest, will reduce the total amount that will be required to be paid over the life of the loan. Interest not paid during any period when Laurel Road has agreed to postpone or reduce any monthly payment will be added to the principal balance through capitalization (compounding) at the end of such a period, one month before the borrower is required to resume making regular monthly payments.
SAVINGS EXAMPLE
Average savings calculated based on single loans refinanced from 9/2013 to 12/2017 where borrowers' previous rates were disclosed. Assumes same loan terms for previous and refinanced loans, and payments made to maturity with no prepayments. Actual savings for individual loans vary based on loan balance, interest rates, and other factors.
LAUREL ROAD RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS AND BENEFITS AT ANY TIME WITHOUT NOTICE.
This information is current as of October 1st, 2018 and is subject to change.

Apply

on College Ave‘s website

Term

120 Months

3.69 - 10.94%

Variable APR

Apply

on College Ave‘s website

View Details

Loan Details

0.25% rate reduction with auto-pay for repayment²

No origination, application and processing fees, no fees for early repayment

Multiple repayment options including: full principal and interest, interest-only, deferred, and flat payment

Coverage up to 100% of your school-certified cost of attendance ($1,000 minimum)*

Protection Details

Auto Pay Discount

There is a 0.25% interest rate reduction when you set up auto-pay²

Interest Payments Only

Pay the interest charges each month as you go during school

Payment Deferral

No in-school payments required, but you'll pay more in interest over the life of your loan

Disclosure

College Ave Student Loans products are made available through either Firstrust Bank, member FDIC or M.Y. Safra Bank, FSB, member FDIC. All loans are subject to individual approval and adherence to underwriting guidelines. Program restrictions, other terms, and conditions apply.

(1) This informational repayment example uses typical loan terms for a refi borrower who selects the Full Principal & Interest Repayment Option with a 10-year repayment term, has a $40,000 loan and a 5.5% Annual Percentage Rate ("APR"): 120 monthly payments of $434.11 while in the repayment period, for a total amount of payments of $52,092.61. Loans will never have a full principal and interest monthly payment of less than $50. Your actual rates and repayment terms may vary.

(2) The 0.25% auto-pay interest rate reduction applies as long as the borrower or cosigner, if applicable, enrolls in auto-pay and authorizes our loan servicer to automatically deduct your monthly payments from a valid bank account via Automated Clearing House ("ACH"). The rate reduction applies for as long as the monthly payment amount is successfully deducted from the designated bank account and is suspended during periods of forbearance and certain deferments. Variable rates may increase after consummation.

Apply

on CommonBond‘s website

Term

84 Months

4.13 - 6.22%

Fixed APR

Apply

on CommonBond‘s website

View Details

Loan Details

Save over $24,000, on average, by refinancing with CommonBond

For every loan we fund, we also fund the education of a child in need. We're the first - and only - lender to make that promise.

With an easy online application, you can get approved in minutes. There are no pre-payment penalties and no hassles.

Our award-winning Care Team is available by phone, email, and live chat to answer any questions you have

Protection Details

Auto Pay Discount

There is a 0.25% interest rate reduction when you set up auto-pay¹

Forbearance

Up to two years of forebearance due to financial hardship

Interest Payments Only

Payment Deferral

Up to 32 months of deferment available

Disclosure

Offered terms are subject to change. Loans are offered by CommonBond Lending, LLC (NMLS # 1175900). If you are approved for a loan, the interest rate offered will depend on your credit profile, your application, the loan term selected and will be within the ranges of rates shown.

¹All Annual Percentage Rates (APRs) displayed assume borrowers enroll in auto pay and account for the 0.25% reduction in interest rate. All variable rates are based on 1-month LIBOR

Apply

on Earnest‘s website

Term

144 Months

4.84 - 5.80%

Fixed APR

Apply

on Earnest‘s website

View Details

Loan Details

Earnest uses data and technology to understand every applicant's unique financial story and offer customized rates

Lower rates based on your future potential and full financial profile, not just your FICO score

More savings: Earnest clients save $30,939¹ on average by refinancing

Flexible terms that let you pick your exact monthly payment, prepay with no penalty, or pay bi-weekly

Lifetime service provided in-house. Unlike other lenders, Earnest will never pass you off to third-party servicers.

No fees for origination, prepayment or loan disbursement

Two-minute rate check with no obligation or impact to your credit score

Protection Details

Auto Pay Discount

Rate displayed includes the 0.25% APR discount for using auto-pay²

Forbearance

With documentation from your previous servicer to confirm, we may match your existing grace period for up to nine months

Payment Deferral

Available in select cases, including post-graduation grace periods, unemployment, economic hardship, enrollment in school, active military day and 13 months thereafter, and Peace Corps service

Disclosure

To qualify, you must be a U.S. citizen or possess a 10-year (non-conditional) Permanent Resident Card, reside in a state Earnest lends in, and satisfy our minimum eligibility criteria. You may find more information on loan eligibility here: https://www.earnest.com/eligibility. Not all applicants will be approved for a loan, and not all applicants qualify for the lowest rate. Approval and interest rate depend on the review of a complete application.

Earnest's fixed rate loan rates range from 3.89% APR (with autopay) to 6.32% APR (with autopay). Variable rate loan rates range from 2.47% APR (with autopay) to 5.87% APR (with autopay). For variable rate loans, although the interest rate will vary after you are approved, the interest rate will never exceed 8.95% for loan terms of 10 years or less. For loan terms of 10 to 15 years, the interest rate will never exceed 9.95%. For loan terms over 15 years, the interest rate will never exceed 11.95% (the maximum rates for these loans). Earnest variable interest rate loans are based on a publicly available index, the one month London Interbank Offered Rate (LIBOR). Your rate will be calculated each month by adding a margin between 0.85% and 4.15% to the one month LIBOR. The rate will not increase more than once per month. Earnest rate ranges are current as of August 23, 2018 and are subject to change based on market conditions and borrower eligibility.

¹Explanation of $30,939 Average Client Savings: Average savings calculation is based on all Earnest clients who refinanced student loans owned and serviced by Navient between 03/06/2017 and 03/31/2018. The savings figure of a particular client is calculated by subtracting the projected lifetime cost of their Earnest refinancing from the projected total cost of their original student loans. You may find more information on loan savings here: https://www.earnest.com/savings-disclaimer

²Autopay Discount: If you make monthly principal and interest payments by an automatic, monthly deduction from a savings or checking account, your rate will be reduced by one quarter of one percent (0.25%) for so long as you continue to make automatic, electronic monthly payments. This benefit is suspended during periods of deferment and forbearance.

The information provided on this page is updated as of 08/22/18. Earnest reserves the right to change, pause, or terminate product offerings at any time without notice.

Earnest loans are originated by Earnest Operations LLC. California Finance Lender License 6054788. NMLS # 1204917. Earnest Operations LLC is located at 303 2nd Street, Suite 401N, San Francisco, CA 94107. Terms and Conditions apply. Visit https://www.earnest.com/terms-of-service, e-mail us at hello@earnest.com, or call 888-601-2801 for more information on our student loan refinance product.

Apply

on SoFi‘s website

Term

84 Months

4.35 - 7.53%

Fixed APR

Apply

on SoFi‘s website

View Details

Loan Details

Refinance and consolidate private and federal student loans

650 minimum FICO® Score²

No origination fees and no prepayment penalties

Simple online application with live support 7 days a week

Career support - complimentary career coaching for SoFi members

Protection Details

Auto Pay Discount

There is a 0.25% interest rate reduction when you set up auto-pay¹

Payment Deferral

If you lose your job through no fault of your own, you may apply for Unemployment Protection. Terms and conditions apply, see https://www.sofi.com/legal/#3 for details.

Disclosure

Fixed rates from 3.899% APR to 8.179% APR (with AutoPay). Variable rates from 2.470% APR to 6.705% APR (with AutoPay). Interest rates on variable rate loans are capped at either 8.95% or 9.95% depending on term of loan. See APR examples and terms. Lowest variable rate of 2.800% APR assumes current 1 month LIBOR rate of 2.08% plus 0.91% margin minus 0.25% ACH discount. Not all borrowers receive the lowest rate. If approved for a loan, the fixed or variable interest rate offered will depend on your creditworthiness, and the term of the loan and other factors, and will be within the ranges of rates listed above. For the SoFi variable rate loan, the 1-month LIBOR index will adjust monthly and the loan payment will be re-amortized and may change monthly. APRs for variable rate loans may increase after origination if the LIBOR index increases.

To check the rates and terms you qualify for, SoFi conducts a soft credit inquiry. Unlike hard credit inquiries, soft credit inquiries (or soft credit pulls) do not impact your credit score. Soft credit inquiries allow SoFi to show you what rates and terms SoFi can offer you up front. After seeing your rates, if you choose a product and continue your application, we will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit inquiry. Hard credit inquiries (or hard credit pulls) are required for SoFi to be able to issue you a loan. In addition to requiring your explicit permission, these credit pulls may impact your credit score. Terms and Conditions Apply. SOFI RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS AND BENEFITS AT ANY TIME WITHOUT NOTICE. To qualify, a borrower must be a U.S. citizen or permanent resident in an eligible state and meet SoFi's underwriting requirements. Not all borrowers receive the lowest rate. To qualify for the lowest rate, you must have a responsible financial history and meet other conditions. If approved, your actual rate will be within the range of rates listed above and will depend on a variety of factors, including term of loan, a responsible financial history, years of experience, income and other factors. Rates and Terms are subject to change at anytime without notice and are subject to state restrictions. SoFi refinance loans are private loans and do not have the same repayment options that the federal loan program offers such as Income Based Repayment or Income Contingent Repayment or PAYE. Licensed by the Department of Business Oversight under the California Financing Law License No. 6054612. SoFi loans are originated by SoFi Lending Corp., NMLS # 1121636. (www.nmlsconsumeraccess.org)

¹The SoFi 0.25% AutoPay interest rate reduction requires you to agree to make monthly principal and interest payments by an automatic monthly deduction from a savings or checking account. The benefit will discontinue and be lost for periods in which you do not pay by automatic deduction from a savings or checking account.

²Minimum Credit Score: Not all applicants who meet SoFi's minimum credit score requirements are approved for student loan refinancing. In addition to meeting SoFi's minimum eligibility criteria (https://www.sofi.com/eligibility-criteria#eligibility-refi), applicants must also meet other credit and underwriting requirements to qualify.

Apply

on College Ave‘s website

Term

96 Months

5.29 - 12.07%

Fixed APR

Apply

on College Ave‘s website

View Details

Loan Details

0.25% rate reduction with auto-pay for repayment²

No origination, application and processing fees, no fees for early repayment

Multiple repayment options including: full principal and interest, interest-only, deferred, and flat payment

Coverage up to 100% of your school-certified cost of attendance ($1,000 minimum)*

Protection Details

Auto Pay Discount

There is a 0.25% interest rate reduction when you set up auto-pay²

Interest Payments Only

Pay the interest charges each month as you go during school

Payment Deferral

No in-school payments required, but you'll pay more in interest over the life of your loan

Disclosure

College Ave Student Loans products are made available through either Firstrust Bank, member FDIC or M.Y. Safra Bank, FSB, member FDIC. All loans are subject to individual approval and adherence to underwriting guidelines. Program restrictions, other terms, and conditions apply.

(1) This informational repayment example uses typical loan terms for a refi borrower who selects the Full Principal & Interest Repayment Option with a 10-year repayment term, has a $40,000 loan and a 5.5% Annual Percentage Rate ("APR"): 120 monthly payments of $434.11 while in the repayment period, for a total amount of payments of $52,092.61. Loans will never have a full principal and interest monthly payment of less than $50. Your actual rates and repayment terms may vary.

(2) The 0.25% auto-pay interest rate reduction applies as long as the borrower or cosigner, if applicable, enrolls in auto-pay and authorizes our loan servicer to automatically deduct your monthly payments from a valid bank account via Automated Clearing House ("ACH"). The rate reduction applies for as long as the monthly payment amount is successfully deducted from the designated bank account and is suspended during periods of forbearance and certain deferments. Variable rates may increase after consummation.

Apply

on CommonBond‘s website

Term

120 Months

4.35 - 6.40%

Fixed APR

Apply

on CommonBond‘s website

View Details

Loan Details

Save over $24,000, on average, by refinancing with CommonBond

For every loan we fund, we also fund the education of a child in need. We're the first - and only - lender to make that promise.

With an easy online application, you can get approved in minutes. There are no pre-payment penalties and no hassles.

Our award-winning Care Team is available by phone, email, and live chat to answer any questions you have

Protection Details

Auto Pay Discount

There is a 0.25% interest rate reduction when you set up auto-pay¹

Forbearance

Up to two years of forebearance due to financial hardship

Interest Payments Only

Payment Deferral

Up to 32 months of deferment available

Disclosure

Offered terms are subject to change. Loans are offered by CommonBond Lending, LLC (NMLS # 1175900). If you are approved for a loan, the interest rate offered will depend on your credit profile, your application, the loan term selected and will be within the ranges of rates shown.

¹All Annual Percentage Rates (APRs) displayed assume borrowers enroll in auto pay and account for the 0.25% reduction in interest rate. All variable rates are based on 1-month LIBOR

Apply

on College Ave‘s website

Term

120 Months

5.29 - 12.07%

Fixed APR

Apply

on College Ave‘s website

View Details

Loan Details

0.25% rate reduction with auto-pay for repayment²

No origination, application and processing fees, no fees for early repayment

Multiple repayment options including: full principal and interest, interest-only, deferred, and flat payment

Coverage up to 100% of your school-certified cost of attendance ($1,000 minimum)*

Protection Details

Auto Pay Discount

There is a 0.25% interest rate reduction when you set up auto-pay²

Interest Payments Only

Pay the interest charges each month as you go during school

Payment Deferral

No in-school payments required, but you'll pay more in interest over the life of your loan

Disclosure

College Ave Student Loans products are made available through either Firstrust Bank, member FDIC or M.Y. Safra Bank, FSB, member FDIC. All loans are subject to individual approval and adherence to underwriting guidelines. Program restrictions, other terms, and conditions apply.

(1) This informational repayment example uses typical loan terms for a refi borrower who selects the Full Principal & Interest Repayment Option with a 10-year repayment term, has a $40,000 loan and a 5.5% Annual Percentage Rate ("APR"): 120 monthly payments of $434.11 while in the repayment period, for a total amount of payments of $52,092.61. Loans will never have a full principal and interest monthly payment of less than $50. Your actual rates and repayment terms may vary.

(2) The 0.25% auto-pay interest rate reduction applies as long as the borrower or cosigner, if applicable, enrolls in auto-pay and authorizes our loan servicer to automatically deduct your monthly payments from a valid bank account via Automated Clearing House ("ACH"). The rate reduction applies for as long as the monthly payment amount is successfully deducted from the designated bank account and is suspended during periods of forbearance and certain deferments. Variable rates may increase after consummation.

Apply

on Earnest‘s website

Term

60 Months

2.47 - 5.45%

Variable APR

Apply

on Earnest‘s website

View Details

Loan Details

Earnest uses data and technology to understand every applicant's unique financial story and offer customized rates

Lower rates based on your future potential and full financial profile, not just your FICO score

More savings: Earnest clients save $30,939¹ on average by refinancing

Flexible terms that let you pick your exact monthly payment, prepay with no penalty, or pay bi-weekly

Lifetime service provided in-house. Unlike other lenders, Earnest will never pass you off to third-party servicers.

No fees for origination, prepayment or loan disbursement

Two-minute rate check with no obligation or impact to your credit score

Protection Details

Auto Pay Discount

Rate displayed includes the 0.25% APR discount for using auto-pay²

Forbearance

With documentation from your previous servicer to confirm, we may match your existing grace period for up to nine months

Payment Deferral

Available in select cases, including post-graduation grace periods, unemployment, economic hardship, enrollment in school, active military day and 13 months thereafter, and Peace Corps service

Disclosure

To qualify, you must be a U.S. citizen or possess a 10-year (non-conditional) Permanent Resident Card, reside in a state Earnest lends in, and satisfy our minimum eligibility criteria. You may find more information on loan eligibility here: https://www.earnest.com/eligibility. Not all applicants will be approved for a loan, and not all applicants qualify for the lowest rate. Approval and interest rate depend on the review of a complete application.

Earnest's fixed rate loan rates range from 3.89% APR (with autopay) to 6.32% APR (with autopay). Variable rate loan rates range from 2.47% APR (with autopay) to 5.87% APR (with autopay). For variable rate loans, although the interest rate will vary after you are approved, the interest rate will never exceed 8.95% for loan terms of 10 years or less. For loan terms of 10 to 15 years, the interest rate will never exceed 9.95%. For loan terms over 15 years, the interest rate will never exceed 11.95% (the maximum rates for these loans). Earnest variable interest rate loans are based on a publicly available index, the one month London Interbank Offered Rate (LIBOR). Your rate will be calculated each month by adding a margin between 0.85% and 4.15% to the one month LIBOR. The rate will not increase more than once per month. Earnest rate ranges are current as of August 23, 2018 and are subject to change based on market conditions and borrower eligibility.

¹Explanation of $30,939 Average Client Savings: Average savings calculation is based on all Earnest clients who refinanced student loans owned and serviced by Navient between 03/06/2017 and 03/31/2018. The savings figure of a particular client is calculated by subtracting the projected lifetime cost of their Earnest refinancing from the projected total cost of their original student loans. You may find more information on loan savings here: https://www.earnest.com/savings-disclaimer

²Autopay Discount: If you make monthly principal and interest payments by an automatic, monthly deduction from a savings or checking account, your rate will be reduced by one quarter of one percent (0.25%) for so long as you continue to make automatic, electronic monthly payments. This benefit is suspended during periods of deferment and forbearance.

The information provided on this page is updated as of 08/22/18. Earnest reserves the right to change, pause, or terminate product offerings at any time without notice.

Earnest loans are originated by Earnest Operations LLC. California Finance Lender License 6054788. NMLS # 1204917. Earnest Operations LLC is located at 303 2nd Street, Suite 401N, San Francisco, CA 94107. Terms and Conditions apply. Visit https://www.earnest.com/terms-of-service, e-mail us at hello@earnest.com, or call 888-601-2801 for more information on our student loan refinance product.

Apply

on Laurel Road‘s website

Term

84 Months

4.32 - 5.82%

Variable APR

Apply

on Laurel Road‘s website

View Details

Loan Details

7 Year Repayment Term

Variable interest rates from 4.32% to 5.82%

No maximum loan amount; $5,000 minimum

No origination fees, no prepayment penalties, and no obligation to accept the offer

Check your rates in minutes online without impacting your credit score

Private and Federal loans are eligible

0.25% rate discount for making automatic payments from a checking account

Co-signer option

$100/month repayment option for medical and dental residents

Average borrower saves over $20,000* when refinancing with Laurel Road

Protection Details

Auto Pay Discount

There is a 0.25% interest rate reduction when you set up auto-pay

Forbearance

Up to 12 months of forbearance is available at Laurel Road's discretion

Payment Deferral

Disclosure

REFINANCE/CONSOLIDATION LOAN - RATE DETAILS, TERMS, AND CONDITIONS
Laurel Road Bank is a Connecticut state-chartered bank offering products in all 50 U.S. states, Washington, D.C., and Puerto Rico. Laurel Road has helped thousands of professionals with graduate and undergraduate degrees across the country to refinance and consolidate over $3 billion in federal and private school loans, saving these borrowers thousands of dollars each.
Lending services provided by Laurel Road Bank, Member FDIC.
Laurel Road Bank is an Equal Opportunity Lender.
©2018 Laurel Road Bank.
EFT DISCOUNT
The interest rate table above is inclusive of all Electronic Funds Transfer (EFT) discounts. To qualify for the EFT discount of 0.25%, monthly payments must be paid automatically from a bank account.
FIXED APR
Fixed rate options consist of a range from 3.75% per year to 5.80% per year for a 5-year term, 5.14% per year to 6.25% per year for a 7-year term, 5.24% per year to 6.65% per year for a 10-year term, 5.30% per year to 7.05% per year for a 15-year term, or 5.61% per year to 7.27% per year for a 20-year term, with no origination fees. The fixed interest rate will apply until the loan is paid in full (whether before or after default, and whether before or after the scheduled maturity date of the loan). The monthly payment for a sample $10,000 loan at a range of 3.75% per year to 5.80% per year for a 5-year term would be from $183.04 to $192.40. The monthly payment for a sample $10,000 loan at a range of 5.14% per year to 6.25% per year for a 7-year term would be from $142.00 to $147.29. The monthly payment for a sample $10,000 loan at a range of 5.24% per year to 6.65% per year for a 10-year term would be from $107.24 to $114.31. The monthly payment for a sample $10,000 loan at a range of 5.30% per year to 7.05% per year for a 15-year term would be from $80.65 to $90.16. The monthly payment for a sample $10,000 loan at a range of 5.61% per year to 7.27% per year for a 20-year term would be from $69.41 to $79.16.
However, if the borrower chooses to make monthly payments automatically by electronic funds transfer (EFT) from a bank account, the fixed rate will decrease by 0.25%, and will increase back up to the regular fixed interest rate described in the preceding paragraph if the borrower stops making (or we stop accepting) monthly payments automatically by EFT from the designated borrower's bank account.
VARIABLE APR
Variable rate options consist of a range from 3.20% per year to 6.02% per year for a 5-year term, 4.57% per year to 6.07% per year for a 7-year term, 4.62% per year to 6.12% per year for a 10-year term, 4.87% per year to 6.37% per year for a 15-year term, or 5.12% per year to 6.62% per year for a 20-year term, with no origination fees. APR is subject to increase after consummation. The variable interest rate will change on the first day of every month ("Change Date") if the Current Index changes. The variable interest rates are based on a Current Index, which is the 1-month London Interbank Offered Rate (LIBOR) (currency in US dollars), as published on The Wall Street Journal's website. The variable interest rates and Annual Percentage Rate (APR) will increase or decrease when the 1-month LIBOR index changes. The variable interest rates are calculated by adding a margin ranging from 0.98% to 3.80% for the 5-year term loan, 2.35% to 3.85% for the 7-year term loan, 2.40% to 3.90% for the 10-year term loan, 2.65% to 4.15% for the 15-year term loan, and 2.90% to 4.40% for the 20-year term loan, respectively, to the 1-month LIBOR index published on the 25th day of each month immediately preceding each "Change Date," as defined above, rounded to two decimal places, with no origination fees. If the 25th day of the month is not a business day or is a US federal holiday, the reference date will be the most recent date preceding the 25th day of the month that is a business day. The monthly payment for a sample $10,000 loan at a range of 3.20% per year to 6.02% per year for a 5-year term would be from $180.58 to $193.42. The monthly payment for a sample $10,000 loan at a range of 4.57% per year to 6.07% per year for a 7-year term would be from $139.33 to $146.42. The monthly payment for a sample $10,000 loan at a range of 4.62% per year to 6.12% per year for a 10-year term would be from $104.22 to $111.62. The monthly payment for a sample $10,000 loan at a range of 4.87% per year to 6.37% per year for a 15-year term would be from $78.40 to $86.40. The monthly payment for a sample $10,000 loan at a range of 5.12% per year to 6.62% per year for a 20-year term would be from $66.66 to $75.27.
However, if the borrower chooses to make monthly payments automatically by electronic funds transfer (EFT) from a bank account, the variable rate will decrease by 0.25%, and will increase back up to the regular variable interest rate described in the preceding paragraph if the borrower stops making (or we stop accepting) monthly payments automatically by EFT from the designated borrower's bank account.
MAXIMUM RATES
Borrowers who take out a variable loan with a term of 5, 7, or 10 years will have a maximum interest rate of 9%. Borrowers who take out a 15 or 20-year variable loan will have a maximum interest rate of 10%.
FEE INFORMATION
Laurel Road has no origination fees and no prepayment penalties. However, if Laurel Road does not receive any part of a payment within 15 days after the due date, it may assess a late fee not to exceed 5% of the late payment or $28, whichever is less. The borrower may be charged $20 for any payment (including a check or an electronic payment) that is returned unpaid due to non-sufficient funds (NSF) or a closed account.
LOAN AMOUNT
Up to 100% of outstanding private and federal student loans (minimum $5,000). If you are refinancing greater than $300,000 in student loan debt, Laurel Road will refinance the loans into 2 or more new loans.
ELIGIBILITY
Must be a U.S. Citizen or Permanent Resident with a valid I-551 card (which must show a minimum of 10 years between "Resident Since" date and "Card Expires" date or has no expiration date) and meet Laurel Road underwriting criteria (including, for example, employment, employer size, debt-to-income, disposable income, total student loan debt relative to annual salary level, and credit history requirements).
ELIGIBLE LOANS
Graduates may refinance and/or consolidate any unsubsidized or subsidized Federal or private student loan that was used exclusively for qualified higher education expenses (as defined in 26 USC Section 221) at an accredited U.S. undergraduate or graduate school. All loans must be in grace or repayment status and cannot be in default.
INTEREST RATES
The interest rate you are offered will depend on your credit profile, income, and total debt payments as well as your choice of fixed or variable and choice of term. For applicants who are currently medical or dental residents, your rate offer may also vary depending on whether you have secured employment for after residency.
DISBURSEMENT OPTIONS
The repayment of any refinance and/or consolidation student loan will commence (1) immediately after disbursement by us, or (2) after any grace or in-school deferment period, existing prior to refinancing and/or consolidation with us, has expired.
POSTPONING OR REDUCING PAYMENTS
After loan disbursement, if a borrower documents a qualifying economic hardship, we may agree in our discretion to allow for full or partial forbearance of payments for one or more 3-month time periods (not to exceed 12 months in the aggregate during the term of your loan), provided that we receive acceptable documentation (including updating documentation) of the nature and expected duration of the borrower's economic hardship.
We may agree under certain circumstances to allow a borrower to make $100/month payments for a period of time immediately after loan disbursement if the borrower is employed full-time as an intern, resident, or similar postgraduate trainee at the time of loan disbursement. These payments may not be enough to cover all of the interest that accrues on the loan. Unpaid accrued interest will be added to your loan and monthly payments of principal and interest will begin when the post-graduate training program ends.
We may agree under certain circumstances to allow postponement (deferral) of monthly payments of principal and interest for a period of time immediately following loan disbursement (not to exceed 6 months after the borrower's graduation with an eligible degree), if the borrower is an eligible student in the borrower's final term at the time of loan disbursement or graduated less than 6 months before loan disbursement, and has accepted an offer of (or has already begun) full-time employment.
If Laurel Road agrees (in its sole discretion) to postpone or reduce any monthly payment(s) for a period of time, interest on the loan will continue to accrue for each day principal is owed. Although the borrower might not be required to make payments during such a period, the borrower may continue to make payments during such a period. Making payments, or paying some of the interest, will reduce the total amount that will be required to be paid over the life of the loan. Interest not paid during any period when Laurel Road has agreed to postpone or reduce any monthly payment will be added to the principal balance through capitalization (compounding) at the end of such a period, one month before the borrower is required to resume making regular monthly payments.
SAVINGS EXAMPLE
Average savings calculated based on single loans refinanced from 9/2013 to 12/2017 where borrowers' previous rates were disclosed. Assumes same loan terms for previous and refinanced loans, and payments made to maturity with no prepayments. Actual savings for individual loans vary based on loan balance, interest rates, and other factors.
LAUREL ROAD RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS AND BENEFITS AT ANY TIME WITHOUT NOTICE.
This information is current as of October 1st, 2018 and is subject to change.

Apply

on Earnest‘s website

Term

120 Months

4.09 - 5.52%

Variable APR

Apply

on Earnest‘s website

View Details

Loan Details

Earnest uses data and technology to understand every applicant's unique financial story and offer customized rates

Lower rates based on your future potential and full financial profile, not just your FICO score

More savings: Earnest clients save $30,939¹ on average by refinancing

Flexible terms that let you pick your exact monthly payment, prepay with no penalty, or pay bi-weekly

Lifetime service provided in-house. Unlike other lenders, Earnest will never pass you off to third-party servicers.

No fees for origination, prepayment or loan disbursement

Two-minute rate check with no obligation or impact to your credit score

Protection Details

Auto Pay Discount

Rate displayed includes the 0.25% APR discount for using auto-pay²

Forbearance

With documentation from your previous servicer to confirm, we may match your existing grace period for up to nine months

Payment Deferral

Available in select cases, including post-graduation grace periods, unemployment, economic hardship, enrollment in school, active military day and 13 months thereafter, and Peace Corps service

Disclosure

To qualify, you must be a U.S. citizen or possess a 10-year (non-conditional) Permanent Resident Card, reside in a state Earnest lends in, and satisfy our minimum eligibility criteria. You may find more information on loan eligibility here: https://www.earnest.com/eligibility. Not all applicants will be approved for a loan, and not all applicants qualify for the lowest rate. Approval and interest rate depend on the review of a complete application.

Earnest's fixed rate loan rates range from 3.89% APR (with autopay) to 6.32% APR (with autopay). Variable rate loan rates range from 2.47% APR (with autopay) to 5.87% APR (with autopay). For variable rate loans, although the interest rate will vary after you are approved, the interest rate will never exceed 8.95% for loan terms of 10 years or less. For loan terms of 10 to 15 years, the interest rate will never exceed 9.95%. For loan terms over 15 years, the interest rate will never exceed 11.95% (the maximum rates for these loans). Earnest variable interest rate loans are based on a publicly available index, the one month London Interbank Offered Rate (LIBOR). Your rate will be calculated each month by adding a margin between 0.85% and 4.15% to the one month LIBOR. The rate will not increase more than once per month. Earnest rate ranges are current as of August 23, 2018 and are subject to change based on market conditions and borrower eligibility.

¹Explanation of $30,939 Average Client Savings: Average savings calculation is based on all Earnest clients who refinanced student loans owned and serviced by Navient between 03/06/2017 and 03/31/2018. The savings figure of a particular client is calculated by subtracting the projected lifetime cost of their Earnest refinancing from the projected total cost of their original student loans. You may find more information on loan savings here: https://www.earnest.com/savings-disclaimer

²Autopay Discount: If you make monthly principal and interest payments by an automatic, monthly deduction from a savings or checking account, your rate will be reduced by one quarter of one percent (0.25%) for so long as you continue to make automatic, electronic monthly payments. This benefit is suspended during periods of deferment and forbearance.

The information provided on this page is updated as of 08/22/18. Earnest reserves the right to change, pause, or terminate product offerings at any time without notice.

Earnest loans are originated by Earnest Operations LLC. California Finance Lender License 6054788. NMLS # 1204917. Earnest Operations LLC is located at 303 2nd Street, Suite 401N, San Francisco, CA 94107. Terms and Conditions apply. Visit https://www.earnest.com/terms-of-service, e-mail us at hello@earnest.com, or call 888-601-2801 for more information on our student loan refinance product.

Apply

on Earnest‘s website

Term

108 Months

4.79 - 5.63%

Fixed APR

Apply

on Earnest‘s website

View Details

Loan Details

Earnest uses data and technology to understand every applicant's unique financial story and offer customized rates

Lower rates based on your future potential and full financial profile, not just your FICO score

More savings: Earnest clients save $30,939¹ on average by refinancing

Flexible terms that let you pick your exact monthly payment, prepay with no penalty, or pay bi-weekly

Lifetime service provided in-house. Unlike other lenders, Earnest will never pass you off to third-party servicers.

No fees for origination, prepayment or loan disbursement

Two-minute rate check with no obligation or impact to your credit score

Protection Details

Auto Pay Discount

Rate displayed includes the 0.25% APR discount for using auto-pay²

Forbearance

With documentation from your previous servicer to confirm, we may match your existing grace period for up to nine months

Payment Deferral

Available in select cases, including post-graduation grace periods, unemployment, economic hardship, enrollment in school, active military day and 13 months thereafter, and Peace Corps service

Disclosure

To qualify, you must be a U.S. citizen or possess a 10-year (non-conditional) Permanent Resident Card, reside in a state Earnest lends in, and satisfy our minimum eligibility criteria. You may find more information on loan eligibility here: https://www.earnest.com/eligibility. Not all applicants will be approved for a loan, and not all applicants qualify for the lowest rate. Approval and interest rate depend on the review of a complete application.

Earnest's fixed rate loan rates range from 3.89% APR (with autopay) to 6.32% APR (with autopay). Variable rate loan rates range from 2.47% APR (with autopay) to 5.87% APR (with autopay). For variable rate loans, although the interest rate will vary after you are approved, the interest rate will never exceed 8.95% for loan terms of 10 years or less. For loan terms of 10 to 15 years, the interest rate will never exceed 9.95%. For loan terms over 15 years, the interest rate will never exceed 11.95% (the maximum rates for these loans). Earnest variable interest rate loans are based on a publicly available index, the one month London Interbank Offered Rate (LIBOR). Your rate will be calculated each month by adding a margin between 0.85% and 4.15% to the one month LIBOR. The rate will not increase more than once per month. Earnest rate ranges are current as of August 23, 2018 and are subject to change based on market conditions and borrower eligibility.

¹Explanation of $30,939 Average Client Savings: Average savings calculation is based on all Earnest clients who refinanced student loans owned and serviced by Navient between 03/06/2017 and 03/31/2018. The savings figure of a particular client is calculated by subtracting the projected lifetime cost of their Earnest refinancing from the projected total cost of their original student loans. You may find more information on loan savings here: https://www.earnest.com/savings-disclaimer

²Autopay Discount: If you make monthly principal and interest payments by an automatic, monthly deduction from a savings or checking account, your rate will be reduced by one quarter of one percent (0.25%) for so long as you continue to make automatic, electronic monthly payments. This benefit is suspended during periods of deferment and forbearance.

The information provided on this page is updated as of 08/22/18. Earnest reserves the right to change, pause, or terminate product offerings at any time without notice.

Earnest loans are originated by Earnest Operations LLC. California Finance Lender License 6054788. NMLS # 1204917. Earnest Operations LLC is located at 303 2nd Street, Suite 401N, San Francisco, CA 94107. Terms and Conditions apply. Visit https://www.earnest.com/terms-of-service, e-mail us at hello@earnest.com, or call 888-601-2801 for more information on our student loan refinance product.

Apply

on Earnest‘s website

Term

108 Months

3.99 - 5.51%

Variable APR

Apply

on Earnest‘s website

View Details

Loan Details

Earnest uses data and technology to understand every applicant's unique financial story and offer customized rates

Lower rates based on your future potential and full financial profile, not just your FICO score

More savings: Earnest clients save $30,939¹ on average by refinancing

Flexible terms that let you pick your exact monthly payment, prepay with no penalty, or pay bi-weekly

Lifetime service provided in-house. Unlike other lenders, Earnest will never pass you off to third-party servicers.

No fees for origination, prepayment or loan disbursement

Two-minute rate check with no obligation or impact to your credit score

Protection Details

Auto Pay Discount

Rate displayed includes the 0.25% APR discount for using auto-pay²

Forbearance

With documentation from your previous servicer to confirm, we may match your existing grace period for up to nine months

Payment Deferral

Available in select cases, including post-graduation grace periods, unemployment, economic hardship, enrollment in school, active military day and 13 months thereafter, and Peace Corps service

Disclosure

To qualify, you must be a U.S. citizen or possess a 10-year (non-conditional) Permanent Resident Card, reside in a state Earnest lends in, and satisfy our minimum eligibility criteria. You may find more information on loan eligibility here: https://www.earnest.com/eligibility. Not all applicants will be approved for a loan, and not all applicants qualify for the lowest rate. Approval and interest rate depend on the review of a complete application.

Earnest's fixed rate loan rates range from 3.89% APR (with autopay) to 6.32% APR (with autopay). Variable rate loan rates range from 2.47% APR (with autopay) to 5.87% APR (with autopay). For variable rate loans, although the interest rate will vary after you are approved, the interest rate will never exceed 8.95% for loan terms of 10 years or less. For loan terms of 10 to 15 years, the interest rate will never exceed 9.95%. For loan terms over 15 years, the interest rate will never exceed 11.95% (the maximum rates for these loans). Earnest variable interest rate loans are based on a publicly available index, the one month London Interbank Offered Rate (LIBOR). Your rate will be calculated each month by adding a margin between 0.85% and 4.15% to the one month LIBOR. The rate will not increase more than once per month. Earnest rate ranges are current as of August 23, 2018 and are subject to change based on market conditions and borrower eligibility.

¹Explanation of $30,939 Average Client Savings: Average savings calculation is based on all Earnest clients who refinanced student loans owned and serviced by Navient between 03/06/2017 and 03/31/2018. The savings figure of a particular client is calculated by subtracting the projected lifetime cost of their Earnest refinancing from the projected total cost of their original student loans. You may find more information on loan savings here: https://www.earnest.com/savings-disclaimer

²Autopay Discount: If you make monthly principal and interest payments by an automatic, monthly deduction from a savings or checking account, your rate will be reduced by one quarter of one percent (0.25%) for so long as you continue to make automatic, electronic monthly payments. This benefit is suspended during periods of deferment and forbearance.

The information provided on this page is updated as of 08/22/18. Earnest reserves the right to change, pause, or terminate product offerings at any time without notice.

Earnest loans are originated by Earnest Operations LLC. California Finance Lender License 6054788. NMLS # 1204917. Earnest Operations LLC is located at 303 2nd Street, Suite 401N, San Francisco, CA 94107. Terms and Conditions apply. Visit https://www.earnest.com/terms-of-service, e-mail us at hello@earnest.com, or call 888-601-2801 for more information on our student loan refinance product.

Apply

on CommonBond‘s website

Term

180 Months

4.87 - 6.78%

Fixed APR

Apply

on CommonBond‘s website

View Details

Loan Details

Save over $24,000, on average, by refinancing with CommonBond

For every loan we fund, we also fund the education of a child in need. We're the first - and only - lender to make that promise.

With an easy online application, you can get approved in minutes. There are no pre-payment penalties and no hassles.

Our award-winning Care Team is available by phone, email, and live chat to answer any questions you have

Protection Details

Auto Pay Discount

There is a 0.25% interest rate reduction when you set up auto-pay¹

Forbearance

Up to two years of forebearance due to financial hardship

Interest Payments Only

Payment Deferral

Up to 32 months of deferment available

Disclosure

Offered terms are subject to change. Loans are offered by CommonBond Lending, LLC (NMLS # 1175900). If you are approved for a loan, the interest rate offered will depend on your credit profile, your application, the loan term selected and will be within the ranges of rates shown.

¹All Annual Percentage Rates (APRs) displayed assume borrowers enroll in auto pay and account for the 0.25% reduction in interest rate. All variable rates are based on 1-month LIBOR

Apply

on Earnest‘s website

Term

216 Months

5.11 - 6.07%

Fixed APR

Apply

on Earnest‘s website

View Details

Loan Details

Earnest uses data and technology to understand every applicant's unique financial story and offer customized rates

Lower rates based on your future potential and full financial profile, not just your FICO score

More savings: Earnest clients save $30,939¹ on average by refinancing

Flexible terms that let you pick your exact monthly payment, prepay with no penalty, or pay bi-weekly

Lifetime service provided in-house. Unlike other lenders, Earnest will never pass you off to third-party servicers.

No fees for origination, prepayment or loan disbursement

Two-minute rate check with no obligation or impact to your credit score

Protection Details

Auto Pay Discount

Rate displayed includes the 0.25% APR discount for using auto-pay²

Forbearance

With documentation from your previous servicer to confirm, we may match your existing grace period for up to nine months

Payment Deferral

Available in select cases, including post-graduation grace periods, unemployment, economic hardship, enrollment in school, active military day and 13 months thereafter, and Peace Corps service

Disclosure

To qualify, you must be a U.S. citizen or possess a 10-year (non-conditional) Permanent Resident Card, reside in a state Earnest lends in, and satisfy our minimum eligibility criteria. You may find more information on loan eligibility here: https://www.earnest.com/eligibility. Not all applicants will be approved for a loan, and not all applicants qualify for the lowest rate. Approval and interest rate depend on the review of a complete application.

Earnest's fixed rate loan rates range from 3.89% APR (with autopay) to 6.32% APR (with autopay). Variable rate loan rates range from 2.47% APR (with autopay) to 5.87% APR (with autopay). For variable rate loans, although the interest rate will vary after you are approved, the interest rate will never exceed 8.95% for loan terms of 10 years or less. For loan terms of 10 to 15 years, the interest rate will never exceed 9.95%. For loan terms over 15 years, the interest rate will never exceed 11.95% (the maximum rates for these loans). Earnest variable interest rate loans are based on a publicly available index, the one month London Interbank Offered Rate (LIBOR). Your rate will be calculated each month by adding a margin between 0.85% and 4.15% to the one month LIBOR. The rate will not increase more than once per month. Earnest rate ranges are current as of August 23, 2018 and are subject to change based on market conditions and borrower eligibility.

¹Explanation of $30,939 Average Client Savings: Average savings calculation is based on all Earnest clients who refinanced student loans owned and serviced by Navient between 03/06/2017 and 03/31/2018. The savings figure of a particular client is calculated by subtracting the projected lifetime cost of their Earnest refinancing from the projected total cost of their original student loans. You may find more information on loan savings here: https://www.earnest.com/savings-disclaimer

²Autopay Discount: If you make monthly principal and interest payments by an automatic, monthly deduction from a savings or checking account, your rate will be reduced by one quarter of one percent (0.25%) for so long as you continue to make automatic, electronic monthly payments. This benefit is suspended during periods of deferment and forbearance.

The information provided on this page is updated as of 08/22/18. Earnest reserves the right to change, pause, or terminate product offerings at any time without notice.

Earnest loans are originated by Earnest Operations LLC. California Finance Lender License 6054788. NMLS # 1204917. Earnest Operations LLC is located at 303 2nd Street, Suite 401N, San Francisco, CA 94107. Terms and Conditions apply. Visit https://www.earnest.com/terms-of-service, e-mail us at hello@earnest.com, or call 888-601-2801 for more information on our student loan refinance product.

Apply

on Laurel Road‘s website

Term

240 Months

5.36 - 7.02%

Fixed APR

Apply

on Laurel Road‘s website

View Details

Loan Details

20 Year Repayment Term

Variable interest rates from 5.36% to 7.02%

No maximum loan amount; $5,000 minimum

No origination fees, no prepayment penalties, and no obligation to accept the offer

Check your rates in minutes online without impacting your credit score

Private and Federal loans are eligible

0.25% rate discount for making automatic payments from a checking account

Co-signer option

$100/month repayment option for medical and dental residents

Average borrower saves over $20,000* when refinancing with Laurel Road

Protection Details

Auto Pay Discount

There is a 0.25% interest rate reduction when you set up auto-pay

Forbearance

Up to 12 months of forbearance is available at Laurel Road's discretion

Payment Deferral

Disclosure

REFINANCE/CONSOLIDATION LOAN - RATE DETAILS, TERMS, AND CONDITIONS
Laurel Road Bank is a Connecticut state-chartered bank offering products in all 50 U.S. states, Washington, D.C., and Puerto Rico. Laurel Road has helped thousands of professionals with graduate and undergraduate degrees across the country to refinance and consolidate over $3 billion in federal and private school loans, saving these borrowers thousands of dollars each.
Lending services provided by Laurel Road Bank, Member FDIC.
Laurel Road Bank is an Equal Opportunity Lender.
©2018 Laurel Road Bank.
EFT DISCOUNT
The interest rate table above is inclusive of all Electronic Funds Transfer (EFT) discounts. To qualify for the EFT discount of 0.25%, monthly payments must be paid automatically from a bank account.
FIXED APR
Fixed rate options consist of a range from 3.75% per year to 5.80% per year for a 5-year term, 5.14% per year to 6.25% per year for a 7-year term, 5.24% per year to 6.65% per year for a 10-year term, 5.30% per year to 7.05% per year for a 15-year term, or 5.61% per year to 7.27% per year for a 20-year term, with no origination fees. The fixed interest rate will apply until the loan is paid in full (whether before or after default, and whether before or after the scheduled maturity date of the loan). The monthly payment for a sample $10,000 loan at a range of 3.75% per year to 5.80% per year for a 5-year term would be from $183.04 to $192.40. The monthly payment for a sample $10,000 loan at a range of 5.14% per year to 6.25% per year for a 7-year term would be from $142.00 to $147.29. The monthly payment for a sample $10,000 loan at a range of 5.24% per year to 6.65% per year for a 10-year term would be from $107.24 to $114.31. The monthly payment for a sample $10,000 loan at a range of 5.30% per year to 7.05% per year for a 15-year term would be from $80.65 to $90.16. The monthly payment for a sample $10,000 loan at a range of 5.61% per year to 7.27% per year for a 20-year term would be from $69.41 to $79.16.
However, if the borrower chooses to make monthly payments automatically by electronic funds transfer (EFT) from a bank account, the fixed rate will decrease by 0.25%, and will increase back up to the regular fixed interest rate described in the preceding paragraph if the borrower stops making (or we stop accepting) monthly payments automatically by EFT from the designated borrower's bank account.
VARIABLE APR
Variable rate options consist of a range from 3.20% per year to 6.02% per year for a 5-year term, 4.57% per year to 6.07% per year for a 7-year term, 4.62% per year to 6.12% per year for a 10-year term, 4.87% per year to 6.37% per year for a 15-year term, or 5.12% per year to 6.62% per year for a 20-year term, with no origination fees. APR is subject to increase after consummation. The variable interest rate will change on the first day of every month ("Change Date") if the Current Index changes. The variable interest rates are based on a Current Index, which is the 1-month London Interbank Offered Rate (LIBOR) (currency in US dollars), as published on The Wall Street Journal's website. The variable interest rates and Annual Percentage Rate (APR) will increase or decrease when the 1-month LIBOR index changes. The variable interest rates are calculated by adding a margin ranging from 0.98% to 3.80% for the 5-year term loan, 2.35% to 3.85% for the 7-year term loan, 2.40% to 3.90% for the 10-year term loan, 2.65% to 4.15% for the 15-year term loan, and 2.90% to 4.40% for the 20-year term loan, respectively, to the 1-month LIBOR index published on the 25th day of each month immediately preceding each "Change Date," as defined above, rounded to two decimal places, with no origination fees. If the 25th day of the month is not a business day or is a US federal holiday, the reference date will be the most recent date preceding the 25th day of the month that is a business day. The monthly payment for a sample $10,000 loan at a range of 3.20% per year to 6.02% per year for a 5-year term would be from $180.58 to $193.42. The monthly payment for a sample $10,000 loan at a range of 4.57% per year to 6.07% per year for a 7-year term would be from $139.33 to $146.42. The monthly payment for a sample $10,000 loan at a range of 4.62% per year to 6.12% per year for a 10-year term would be from $104.22 to $111.62. The monthly payment for a sample $10,000 loan at a range of 4.87% per year to 6.37% per year for a 15-year term would be from $78.40 to $86.40. The monthly payment for a sample $10,000 loan at a range of 5.12% per year to 6.62% per year for a 20-year term would be from $66.66 to $75.27.
However, if the borrower chooses to make monthly payments automatically by electronic funds transfer (EFT) from a bank account, the variable rate will decrease by 0.25%, and will increase back up to the regular variable interest rate described in the preceding paragraph if the borrower stops making (or we stop accepting) monthly payments automatically by EFT from the designated borrower's bank account.
MAXIMUM RATES
Borrowers who take out a variable loan with a term of 5, 7, or 10 years will have a maximum interest rate of 9%. Borrowers who take out a 15 or 20-year variable loan will have a maximum interest rate of 10%.
FEE INFORMATION
Laurel Road has no origination fees and no prepayment penalties. However, if Laurel Road does not receive any part of a payment within 15 days after the due date, it may assess a late fee not to exceed 5% of the late payment or $28, whichever is less. The borrower may be charged $20 for any payment (including a check or an electronic payment) that is returned unpaid due to non-sufficient funds (NSF) or a closed account.
LOAN AMOUNT
Up to 100% of outstanding private and federal student loans (minimum $5,000). If you are refinancing greater than $300,000 in student loan debt, Laurel Road will refinance the loans into 2 or more new loans.
ELIGIBILITY
Must be a U.S. Citizen or Permanent Resident with a valid I-551 card (which must show a minimum of 10 years between "Resident Since" date and "Card Expires" date or has no expiration date) and meet Laurel Road underwriting criteria (including, for example, employment, employer size, debt-to-income, disposable income, total student loan debt relative to annual salary level, and credit history requirements).
ELIGIBLE LOANS
Graduates may refinance and/or consolidate any unsubsidized or subsidized Federal or private student loan that was used exclusively for qualified higher education expenses (as defined in 26 USC Section 221) at an accredited U.S. undergraduate or graduate school. All loans must be in grace or repayment status and cannot be in default.
INTEREST RATES
The interest rate you are offered will depend on your credit profile, income, and total debt payments as well as your choice of fixed or variable and choice of term. For applicants who are currently medical or dental residents, your rate offer may also vary depending on whether you have secured employment for after residency.
DISBURSEMENT OPTIONS
The repayment of any refinance and/or consolidation student loan will commence (1) immediately after disbursement by us, or (2) after any grace or in-school deferment period, existing prior to refinancing and/or consolidation with us, has expired.
POSTPONING OR REDUCING PAYMENTS
After loan disbursement, if a borrower documents a qualifying economic hardship, we may agree in our discretion to allow for full or partial forbearance of payments for one or more 3-month time periods (not to exceed 12 months in the aggregate during the term of your loan), provided that we receive acceptable documentation (including updating documentation) of the nature and expected duration of the borrower's economic hardship.
We may agree under certain circumstances to allow a borrower to make $100/month payments for a period of time immediately after loan disbursement if the borrower is employed full-time as an intern, resident, or similar postgraduate trainee at the time of loan disbursement. These payments may not be enough to cover all of the interest that accrues on the loan. Unpaid accrued interest will be added to your loan and monthly payments of principal and interest will begin when the post-graduate training program ends.
We may agree under certain circumstances to allow postponement (deferral) of monthly payments of principal and interest for a period of time immediately following loan disbursement (not to exceed 6 months after the borrower's graduation with an eligible degree), if the borrower is an eligible student in the borrower's final term at the time of loan disbursement or graduated less than 6 months before loan disbursement, and has accepted an offer of (or has already begun) full-time employment.
If Laurel Road agrees (in its sole discretion) to postpone or reduce any monthly payment(s) for a period of time, interest on the loan will continue to accrue for each day principal is owed. Although the borrower might not be required to make payments during such a period, the borrower may continue to make payments during such a period. Making payments, or paying some of the interest, will reduce the total amount that will be required to be paid over the life of the loan. Interest not paid during any period when Laurel Road has agreed to postpone or reduce any monthly payment will be added to the principal balance through capitalization (compounding) at the end of such a period, one month before the borrower is required to resume making regular monthly payments.
SAVINGS EXAMPLE
Average savings calculated based on single loans refinanced from 9/2013 to 12/2017 where borrowers' previous rates were disclosed. Assumes same loan terms for previous and refinanced loans, and payments made to maturity with no prepayments. Actual savings for individual loans vary based on loan balance, interest rates, and other factors.
LAUREL ROAD RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS AND BENEFITS AT ANY TIME WITHOUT NOTICE.
This information is current as of October 1st, 2018 and is subject to change.

Apply

on CommonBond‘s website

Term

120 Months

7.29 - 9.11%

Fixed APR

Apply

on CommonBond‘s website

View Details

Loan Details

With our easy online application, you can apply in minutes. There are no pre-payment penalties and no hassles.

For every loan we fund, we also fund the education of a child in need. We're the first - and only - lender to make that promise.

We provide low interest rates and flexible repayment options so you can tailor your loans to your family's financial situation.

Our award-winning Care Team is available by phone, email, and live chat to answer any questions you have

Protection Details

Auto Pay Discount

There is a 0.25% interest rate reduction when you set up auto-pay¹

Forbearance

Up to two years of forebearance due to financial hardship

Interest Payments Only

Payment Deferral

Deferred while in school

Disclosure

Offered terms are subject to change. Loans are offered by CommonBond Lending, LLC (NMLS # 1175900). If you are approved for a loan, the interest rate offered will depend on your credit profile, your application, the loan term selected and will be within the ranges of rates shown.

¹All Annual Percentage Rates (APRs) displayed assume borrowers enroll in auto pay and account for the 0.25% reduction in interest rate. All variable rates are based on 1-month LIBOR

Apply

on Earnest‘s website

Term

204 Months

4.44 - 5.76%

Variable APR

Apply

on Earnest‘s website

View Details

Loan Details

Earnest uses data and technology to understand every applicant's unique financial story and offer customized rates

Lower rates based on your future potential and full financial profile, not just your FICO score

More savings: Earnest clients save $30,939¹ on average by refinancing

Flexible terms that let you pick your exact monthly payment, prepay with no penalty, or pay bi-weekly

Lifetime service provided in-house. Unlike other lenders, Earnest will never pass you off to third-party servicers.

No fees for origination, prepayment or loan disbursement

Two-minute rate check with no obligation or impact to your credit score

Protection Details

Auto Pay Discount

Rate displayed includes the 0.25% APR discount for using auto-pay²

Forbearance

With documentation from your previous servicer to confirm, we may match your existing grace period for up to nine months

Payment Deferral

Available in select cases, including post-graduation grace periods, unemployment, economic hardship, enrollment in school, active military day and 13 months thereafter, and Peace Corps service

Disclosure

To qualify, you must be a U.S. citizen or possess a 10-year (non-conditional) Permanent Resident Card, reside in a state Earnest lends in, and satisfy our minimum eligibility criteria. You may find more information on loan eligibility here: https://www.earnest.com/eligibility. Not all applicants will be approved for a loan, and not all applicants qualify for the lowest rate. Approval and interest rate depend on the review of a complete application.

Earnest's fixed rate loan rates range from 3.89% APR (with autopay) to 6.32% APR (with autopay). Variable rate loan rates range from 2.47% APR (with autopay) to 5.87% APR (with autopay). For variable rate loans, although the interest rate will vary after you are approved, the interest rate will never exceed 8.95% for loan terms of 10 years or less. For loan terms of 10 to 15 years, the interest rate will never exceed 9.95%. For loan terms over 15 years, the interest rate will never exceed 11.95% (the maximum rates for these loans). Earnest variable interest rate loans are based on a publicly available index, the one month London Interbank Offered Rate (LIBOR). Your rate will be calculated each month by adding a margin between 0.85% and 4.15% to the one month LIBOR. The rate will not increase more than once per month. Earnest rate ranges are current as of August 23, 2018 and are subject to change based on market conditions and borrower eligibility.

¹Explanation of $30,939 Average Client Savings: Average savings calculation is based on all Earnest clients who refinanced student loans owned and serviced by Navient between 03/06/2017 and 03/31/2018. The savings figure of a particular client is calculated by subtracting the projected lifetime cost of their Earnest refinancing from the projected total cost of their original student loans. You may find more information on loan savings here: https://www.earnest.com/savings-disclaimer

²Autopay Discount: If you make monthly principal and interest payments by an automatic, monthly deduction from a savings or checking account, your rate will be reduced by one quarter of one percent (0.25%) for so long as you continue to make automatic, electronic monthly payments. This benefit is suspended during periods of deferment and forbearance.

The information provided on this page is updated as of 08/22/18. Earnest reserves the right to change, pause, or terminate product offerings at any time without notice.

Earnest loans are originated by Earnest Operations LLC. California Finance Lender License 6054788. NMLS # 1204917. Earnest Operations LLC is located at 303 2nd Street, Suite 401N, San Francisco, CA 94107. Terms and Conditions apply. Visit https://www.earnest.com/terms-of-service, e-mail us at hello@earnest.com, or call 888-601-2801 for more information on our student loan refinance product.

Apply

on Educational Loan Finance‘s website

Term

180 Months

4.61 - 5.75%

Variable APR

Apply

on Educational Loan Finance‘s website

View Details

Loan Details

Low rates and flexible terms*

No application fees, origination fees, or prepayment penalties

Loan amounts starting at $15,000

Consolidate multiple loans into one easy monthly payment

Get your rate without affecting your credit score

Apply in minutes. Our online loan application is fast and simple.

Outstanding personalized service from our Personal Loan Advisors

We have a longstanding history and expertise in serving student loan borrowers

You can earn a $100 bonus just for closing your loan within 30 days of your initial application**

Earn $400 for each new client you refer through our generous referral program**

Protection Details

Forbearance

Disclosure

*Subject to credit approval. Terms and conditions apply. http://www.elfi.com/terms/
**Visit website for full details. Restrictions apply. Taxes are the sole responsibility of the recipient.

Apply

on Educational Loan Finance‘s website

Term

240 Months

4.91 - 6.01%

Variable APR

Apply

on Educational Loan Finance‘s website

View Details

Loan Details

Low rates and flexible terms*

No application fees, origination fees, or prepayment penalties

Loan amounts starting at $15,000

Consolidate multiple loans into one easy monthly payment

Get your rate without affecting your credit score

Apply in minutes. Our online loan application is fast and simple.

Outstanding personalized service from our Personal Loan Advisors

We have a longstanding history and expertise in serving student loan borrowers

You can earn a $100 bonus just for closing your loan within 30 days of your initial application**

Earn $400 for each new client you refer through our generous referral program**

Protection Details

Forbearance

Disclosure

*Subject to credit approval. Terms and conditions apply. http://www.elfi.com/terms/
**Visit website for full details. Restrictions apply. Taxes are the sole responsibility of the recipient.

Apply

on Earnest‘s website

Term

60 Months

3.89 - 5.57%

Fixed APR

Apply

on Earnest‘s website

View Details

Loan Details

Earnest uses data and technology to understand every applicant's unique financial story and offer customized rates

Lower rates based on your future potential and full financial profile, not just your FICO score

More savings: Earnest clients save $30,939¹ on average by refinancing

Flexible terms that let you pick your exact monthly payment, prepay with no penalty, or pay bi-weekly

Lifetime service provided in-house. Unlike other lenders, Earnest will never pass you off to third-party servicers.

No fees for origination, prepayment or loan disbursement

Two-minute rate check with no obligation or impact to your credit score

Protection Details

Auto Pay Discount

Rate displayed includes the 0.25% APR discount for using auto-pay²

Forbearance

With documentation from your previous servicer to confirm, we may match your existing grace period for up to nine months

Payment Deferral

Available in select cases, including post-graduation grace periods, unemployment, economic hardship, enrollment in school, active military day and 13 months thereafter, and Peace Corps service

Disclosure

To qualify, you must be a U.S. citizen or possess a 10-year (non-conditional) Permanent Resident Card, reside in a state Earnest lends in, and satisfy our minimum eligibility criteria. You may find more information on loan eligibility here: https://www.earnest.com/eligibility. Not all applicants will be approved for a loan, and not all applicants qualify for the lowest rate. Approval and interest rate depend on the review of a complete application.

Earnest's fixed rate loan rates range from 3.89% APR (with autopay) to 6.32% APR (with autopay). Variable rate loan rates range from 2.47% APR (with autopay) to 5.87% APR (with autopay). For variable rate loans, although the interest rate will vary after you are approved, the interest rate will never exceed 8.95% for loan terms of 10 years or less. For loan terms of 10 to 15 years, the interest rate will never exceed 9.95%. For loan terms over 15 years, the interest rate will never exceed 11.95% (the maximum rates for these loans). Earnest variable interest rate loans are based on a publicly available index, the one month London Interbank Offered Rate (LIBOR). Your rate will be calculated each month by adding a margin between 0.85% and 4.15% to the one month LIBOR. The rate will not increase more than once per month. Earnest rate ranges are current as of August 23, 2018 and are subject to change based on market conditions and borrower eligibility.

¹Explanation of $30,939 Average Client Savings: Average savings calculation is based on all Earnest clients who refinanced student loans owned and serviced by Navient between 03/06/2017 and 03/31/2018. The savings figure of a particular client is calculated by subtracting the projected lifetime cost of their Earnest refinancing from the projected total cost of their original student loans. You may find more information on loan savings here: https://www.earnest.com/savings-disclaimer

²Autopay Discount: If you make monthly principal and interest payments by an automatic, monthly deduction from a savings or checking account, your rate will be reduced by one quarter of one percent (0.25%) for so long as you continue to make automatic, electronic monthly payments. This benefit is suspended during periods of deferment and forbearance.

The information provided on this page is updated as of 08/22/18. Earnest reserves the right to change, pause, or terminate product offerings at any time without notice.

Earnest loans are originated by Earnest Operations LLC. California Finance Lender License 6054788. NMLS # 1204917. Earnest Operations LLC is located at 303 2nd Street, Suite 401N, San Francisco, CA 94107. Terms and Conditions apply. Visit https://www.earnest.com/terms-of-service, e-mail us at hello@earnest.com, or call 888-601-2801 for more information on our student loan refinance product.

Apply

on Earnest‘s website

Term

84 Months

4.75 - 5.59%

Fixed APR

Apply

on Earnest‘s website

View Details

Loan Details

Earnest uses data and technology to understand every applicant's unique financial story and offer customized rates

Lower rates based on your future potential and full financial profile, not just your FICO score

More savings: Earnest clients save $30,939¹ on average by refinancing

Flexible terms that let you pick your exact monthly payment, prepay with no penalty, or pay bi-weekly

Lifetime service provided in-house. Unlike other lenders, Earnest will never pass you off to third-party servicers.

No fees for origination, prepayment or loan disbursement

Two-minute rate check with no obligation or impact to your credit score

Protection Details

Auto Pay Discount

Rate displayed includes the 0.25% APR discount for using auto-pay²

Forbearance

With documentation from your previous servicer to confirm, we may match your existing grace period for up to nine months

Payment Deferral

Available in select cases, including post-graduation grace periods, unemployment, economic hardship, enrollment in school, active military day and 13 months thereafter, and Peace Corps service

Disclosure

To qualify, you must be a U.S. citizen or possess a 10-year (non-conditional) Permanent Resident Card, reside in a state Earnest lends in, and satisfy our minimum eligibility criteria. You may find more information on loan eligibility here: https://www.earnest.com/eligibility. Not all applicants will be approved for a loan, and not all applicants qualify for the lowest rate. Approval and interest rate depend on the review of a complete application.

Earnest's fixed rate loan rates range from 3.89% APR (with autopay) to 6.32% APR (with autopay). Variable rate loan rates range from 2.47% APR (with autopay) to 5.87% APR (with autopay). For variable rate loans, although the interest rate will vary after you are approved, the interest rate will never exceed 8.95% for loan terms of 10 years or less. For loan terms of 10 to 15 years, the interest rate will never exceed 9.95%. For loan terms over 15 years, the interest rate will never exceed 11.95% (the maximum rates for these loans). Earnest variable interest rate loans are based on a publicly available index, the one month London Interbank Offered Rate (LIBOR). Your rate will be calculated each month by adding a margin between 0.85% and 4.15% to the one month LIBOR. The rate will not increase more than once per month. Earnest rate ranges are current as of August 23, 2018 and are subject to change based on market conditions and borrower eligibility.

¹Explanation of $30,939 Average Client Savings: Average savings calculation is based on all Earnest clients who refinanced student loans owned and serviced by Navient between 03/06/2017 and 03/31/2018. The savings figure of a particular client is calculated by subtracting the projected lifetime cost of their Earnest refinancing from the projected total cost of their original student loans. You may find more information on loan savings here: https://www.earnest.com/savings-disclaimer

²Autopay Discount: If you make monthly principal and interest payments by an automatic, monthly deduction from a savings or checking account, your rate will be reduced by one quarter of one percent (0.25%) for so long as you continue to make automatic, electronic monthly payments. This benefit is suspended during periods of deferment and forbearance.

The information provided on this page is updated as of 08/22/18. Earnest reserves the right to change, pause, or terminate product offerings at any time without notice.

Earnest loans are originated by Earnest Operations LLC. California Finance Lender License 6054788. NMLS # 1204917. Earnest Operations LLC is located at 303 2nd Street, Suite 401N, San Francisco, CA 94107. Terms and Conditions apply. Visit https://www.earnest.com/terms-of-service, e-mail us at hello@earnest.com, or call 888-601-2801 for more information on our student loan refinance product.

Apply

on Educational Loan Finance‘s website

Term

120 Months

4.31 - 5.39%

Variable APR

Apply

on Educational Loan Finance‘s website

View Details

Loan Details

Low rates and flexible terms*

No application fees, origination fees, or prepayment penalties

Loan amounts starting at $15,000

Consolidate multiple loans into one easy monthly payment

Get your rate without affecting your credit score

Apply in minutes. Our online loan application is fast and simple.

Outstanding personalized service from our Personal Loan Advisors

We have a longstanding history and expertise in serving student loan borrowers

You can earn a $100 bonus just for closing your loan within 30 days of your initial application**

Earn $400 for each new client you refer through our generous referral program**

Protection Details

Forbearance

Disclosure

*Subject to credit approval. Terms and conditions apply. http://www.elfi.com/terms/
**Visit website for full details. Restrictions apply. Taxes are the sole responsibility of the recipient.

Apply

on Educational Loan Finance‘s website

Term

84 Months

4.09 - 6.48%

Fixed APR

Apply

on Educational Loan Finance‘s website

View Details

Loan Details

Low rates and flexible terms*

No application fees, origination fees, or prepayment penalties

Loan amounts starting at $15,000

Consolidate multiple loans into one easy monthly payment

Get your rate without affecting your credit score

Apply in minutes. Our online loan application is fast and simple.

Outstanding personalized service from our Personal Loan Advisors

We have a longstanding history and expertise in serving student loan borrowers

You can earn a $100 bonus just for closing your loan within 30 days of your initial application**

Earn $400 for each new client you refer through our generous referral program**

Protection Details

Forbearance

Disclosure

*Subject to credit approval. Terms and conditions apply. http://www.elfi.com/terms/
**Visit website for full details. Restrictions apply. Taxes are the sole responsibility of the recipient.

Apply

on Earnest‘s website

Term

228 Months

5.16 - 6.12%

Fixed APR

Apply

on Earnest‘s website

View Details

Loan Details

Earnest uses data and technology to understand every applicant's unique financial story and offer customized rates

Lower rates based on your future potential and full financial profile, not just your FICO score

More savings: Earnest clients save $30,939¹ on average by refinancing

Flexible terms that let you pick your exact monthly payment, prepay with no penalty, or pay bi-weekly

Lifetime service provided in-house. Unlike other lenders, Earnest will never pass you off to third-party servicers.

No fees for origination, prepayment or loan disbursement

Two-minute rate check with no obligation or impact to your credit score

Protection Details

Auto Pay Discount

Rate displayed includes the 0.25% APR discount for using auto-pay²

Forbearance

With documentation from your previous servicer to confirm, we may match your existing grace period for up to nine months

Payment Deferral

Available in select cases, including post-graduation grace periods, unemployment, economic hardship, enrollment in school, active military day and 13 months thereafter, and Peace Corps service

Disclosure

To qualify, you must be a U.S. citizen or possess a 10-year (non-conditional) Permanent Resident Card, reside in a state Earnest lends in, and satisfy our minimum eligibility criteria. You may find more information on loan eligibility here: https://www.earnest.com/eligibility. Not all applicants will be approved for a loan, and not all applicants qualify for the lowest rate. Approval and interest rate depend on the review of a complete application.

Earnest's fixed rate loan rates range from 3.89% APR (with autopay) to 6.32% APR (with autopay). Variable rate loan rates range from 2.47% APR (with autopay) to 5.87% APR (with autopay). For variable rate loans, although the interest rate will vary after you are approved, the interest rate will never exceed 8.95% for loan terms of 10 years or less. For loan terms of 10 to 15 years, the interest rate will never exceed 9.95%. For loan terms over 15 years, the interest rate will never exceed 11.95% (the maximum rates for these loans). Earnest variable interest rate loans are based on a publicly available index, the one month London Interbank Offered Rate (LIBOR). Your rate will be calculated each month by adding a margin between 0.85% and 4.15% to the one month LIBOR. The rate will not increase more than once per month. Earnest rate ranges are current as of August 23, 2018 and are subject to change based on market conditions and borrower eligibility.

¹Explanation of $30,939 Average Client Savings: Average savings calculation is based on all Earnest clients who refinanced student loans owned and serviced by Navient between 03/06/2017 and 03/31/2018. The savings figure of a particular client is calculated by subtracting the projected lifetime cost of their Earnest refinancing from the projected total cost of their original student loans. You may find more information on loan savings here: https://www.earnest.com/savings-disclaimer

²Autopay Discount: If you make monthly principal and interest payments by an automatic, monthly deduction from a savings or checking account, your rate will be reduced by one quarter of one percent (0.25%) for so long as you continue to make automatic, electronic monthly payments. This benefit is suspended during periods of deferment and forbearance.

The information provided on this page is updated as of 08/22/18. Earnest reserves the right to change, pause, or terminate product offerings at any time without notice.

Earnest loans are originated by Earnest Operations LLC. California Finance Lender License 6054788. NMLS # 1204917. Earnest Operations LLC is located at 303 2nd Street, Suite 401N, San Francisco, CA 94107. Terms and Conditions apply. Visit https://www.earnest.com/terms-of-service, e-mail us at hello@earnest.com, or call 888-601-2801 for more information on our student loan refinance product.

Apply

on Earnest‘s website

Term

192 Months

4.99 - 5.91%

Fixed APR

Apply

on Earnest‘s website

View Details

Loan Details

Earnest uses data and technology to understand every applicant's unique financial story and offer customized rates

Lower rates based on your future potential and full financial profile, not just your FICO score

More savings: Earnest clients save $30,939¹ on average by refinancing

Flexible terms that let you pick your exact monthly payment, prepay with no penalty, or pay bi-weekly

Lifetime service provided in-house. Unlike other lenders, Earnest will never pass you off to third-party servicers.

No fees for origination, prepayment or loan disbursement

Two-minute rate check with no obligation or impact to your credit score

Protection Details

Auto Pay Discount

Rate displayed includes the 0.25% APR discount for using auto-pay²

Forbearance

With documentation from your previous servicer to confirm, we may match your existing grace period for up to nine months

Payment Deferral

Available in select cases, including post-graduation grace periods, unemployment, economic hardship, enrollment in school, active military day and 13 months thereafter, and Peace Corps service

Disclosure

To qualify, you must be a U.S. citizen or possess a 10-year (non-conditional) Permanent Resident Card, reside in a state Earnest lends in, and satisfy our minimum eligibility criteria. You may find more information on loan eligibility here: https://www.earnest.com/eligibility. Not all applicants will be approved for a loan, and not all applicants qualify for the lowest rate. Approval and interest rate depend on the review of a complete application.

Earnest's fixed rate loan rates range from 3.89% APR (with autopay) to 6.32% APR (with autopay). Variable rate loan rates range from 2.47% APR (with autopay) to 5.87% APR (with autopay). For variable rate loans, although the interest rate will vary after you are approved, the interest rate will never exceed 8.95% for loan terms of 10 years or less. For loan terms of 10 to 15 years, the interest rate will never exceed 9.95%. For loan terms over 15 years, the interest rate will never exceed 11.95% (the maximum rates for these loans). Earnest variable interest rate loans are based on a publicly available index, the one month London Interbank Offered Rate (LIBOR). Your rate will be calculated each month by adding a margin between 0.85% and 4.15% to the one month LIBOR. The rate will not increase more than once per month. Earnest rate ranges are current as of August 23, 2018 and are subject to change based on market conditions and borrower eligibility.

¹Explanation of $30,939 Average Client Savings: Average savings calculation is based on all Earnest clients who refinanced student loans owned and serviced by Navient between 03/06/2017 and 03/31/2018. The savings figure of a particular client is calculated by subtracting the projected lifetime cost of their Earnest refinancing from the projected total cost of their original student loans. You may find more information on loan savings here: https://www.earnest.com/savings-disclaimer

²Autopay Discount: If you make monthly principal and interest payments by an automatic, monthly deduction from a savings or checking account, your rate will be reduced by one quarter of one percent (0.25%) for so long as you continue to make automatic, electronic monthly payments. This benefit is suspended during periods of deferment and forbearance.

The information provided on this page is updated as of 08/22/18. Earnest reserves the right to change, pause, or terminate product offerings at any time without notice.

Earnest loans are originated by Earnest Operations LLC. California Finance Lender License 6054788. NMLS # 1204917. Earnest Operations LLC is located at 303 2nd Street, Suite 401N, San Francisco, CA 94107. Terms and Conditions apply. Visit https://www.earnest.com/terms-of-service, e-mail us at hello@earnest.com, or call 888-601-2801 for more information on our student loan refinance product.

Apply

on CommonBond‘s website

Term

84 Months

3.64 - 6.39%

Variable APR

Apply

on CommonBond‘s website

View Details

Loan Details

Save over $24,000, on average, by refinancing with CommonBond

For every loan we fund, we also fund the education of a child in need. We're the first - and only - lender to make that promise.

With an easy online application, you can get approved in minutes. There are no pre-payment penalties and no hassles.

Our award-winning Care Team is available by phone, email, and live chat to answer any questions you have

Protection Details

Auto Pay Discount

There is a 0.25% interest rate reduction when you set up auto-pay¹

Forbearance

Up to two years of forebearance due to financial hardship

Interest Payments Only

Payment Deferral

Up to 32 months of deferment available

Disclosure

Offered terms are subject to change. Loans are offered by CommonBond Lending, LLC (NMLS # 1175900). If you are approved for a loan, the interest rate offered will depend on your credit profile, your application, the loan term selected and will be within the ranges of rates shown.

¹All Annual Percentage Rates (APRs) displayed assume borrowers enroll in auto pay and account for the 0.25% reduction in interest rate. All variable rates are based on 1-month LIBOR

Apply

on CommonBond‘s website

Term

240 Months

4.77 - 7.27%

Variable APR

Apply

on CommonBond‘s website

View Details

Loan Details

Save over $24,000, on average, by refinancing with CommonBond

For every loan we fund, we also fund the education of a child in need. We're the first - and only - lender to make that promise.

With an easy online application, you can get approved in minutes. There are no pre-payment penalties and no hassles.

Our award-winning Care Team is available by phone, email, and live chat to answer any questions you have

Protection Details

Auto Pay Discount

There is a 0.25% interest rate reduction when you set up auto-pay¹

Forbearance

Up to two years of forebearance due to financial hardship

Interest Payments Only

Payment Deferral

Up to 32 months of deferment available

Disclosure

Offered terms are subject to change. Loans are offered by CommonBond Lending, LLC (NMLS # 1175900). If you are approved for a loan, the interest rate offered will depend on your credit profile, your application, the loan term selected and will be within the ranges of rates shown.

¹All Annual Percentage Rates (APRs) displayed assume borrowers enroll in auto pay and account for the 0.25% reduction in interest rate. All variable rates are based on 1-month LIBOR

Apply

on Earnest‘s website

Term

132 Months

4.82 - 5.69%

Fixed APR

Apply

on Earnest‘s website

View Details

Loan Details

Earnest uses data and technology to understand every applicant's unique financial story and offer customized rates

Lower rates based on your future potential and full financial profile, not just your FICO score

More savings: Earnest clients save $30,939¹ on average by refinancing

Flexible terms that let you pick your exact monthly payment, prepay with no penalty, or pay bi-weekly

Lifetime service provided in-house. Unlike other lenders, Earnest will never pass you off to third-party servicers.

No fees for origination, prepayment or loan disbursement

Two-minute rate check with no obligation or impact to your credit score

Protection Details

Auto Pay Discount

Rate displayed includes the 0.25% APR discount for using auto-pay²

Forbearance

With documentation from your previous servicer to confirm, we may match your existing grace period for up to nine months

Payment Deferral

Available in select cases, including post-graduation grace periods, unemployment, economic hardship, enrollment in school, active military day and 13 months thereafter, and Peace Corps service

Disclosure

To qualify, you must be a U.S. citizen or possess a 10-year (non-conditional) Permanent Resident Card, reside in a state Earnest lends in, and satisfy our minimum eligibility criteria. You may find more information on loan eligibility here: https://www.earnest.com/eligibility. Not all applicants will be approved for a loan, and not all applicants qualify for the lowest rate. Approval and interest rate depend on the review of a complete application.

Earnest's fixed rate loan rates range from 3.89% APR (with autopay) to 6.32% APR (with autopay). Variable rate loan rates range from 2.47% APR (with autopay) to 5.87% APR (with autopay). For variable rate loans, although the interest rate will vary after you are approved, the interest rate will never exceed 8.95% for loan terms of 10 years or less. For loan terms of 10 to 15 years, the interest rate will never exceed 9.95%. For loan terms over 15 years, the interest rate will never exceed 11.95% (the maximum rates for these loans). Earnest variable interest rate loans are based on a publicly available index, the one month London Interbank Offered Rate (LIBOR). Your rate will be calculated each month by adding a margin between 0.85% and 4.15% to the one month LIBOR. The rate will not increase more than once per month. Earnest rate ranges are current as of August 23, 2018 and are subject to change based on market conditions and borrower eligibility.

¹Explanation of $30,939 Average Client Savings: Average savings calculation is based on all Earnest clients who refinanced student loans owned and serviced by Navient between 03/06/2017 and 03/31/2018. The savings figure of a particular client is calculated by subtracting the projected lifetime cost of their Earnest refinancing from the projected total cost of their original student loans. You may find more information on loan savings here: https://www.earnest.com/savings-disclaimer

²Autopay Discount: If you make monthly principal and interest payments by an automatic, monthly deduction from a savings or checking account, your rate will be reduced by one quarter of one percent (0.25%) for so long as you continue to make automatic, electronic monthly payments. This benefit is suspended during periods of deferment and forbearance.

The information provided on this page is updated as of 08/22/18. Earnest reserves the right to change, pause, or terminate product offerings at any time without notice.

Earnest loans are originated by Earnest Operations LLC. California Finance Lender License 6054788. NMLS # 1204917. Earnest Operations LLC is located at 303 2nd Street, Suite 401N, San Francisco, CA 94107. Terms and Conditions apply. Visit https://www.earnest.com/terms-of-service, e-mail us at hello@earnest.com, or call 888-601-2801 for more information on our student loan refinance product.

Apply

on Earnest‘s website

Term

168 Months

4.86 - 5.6%

Variable APR

Apply

on Earnest‘s website

View Details

Loan Details

Earnest uses data and technology to understand every applicant's unique financial story and offer customized rates

Lower rates based on your future potential and full financial profile, not just your FICO score

More savings: Earnest clients save $30,939¹ on average by refinancing

Flexible terms that let you pick your exact monthly payment, prepay with no penalty, or pay bi-weekly

Lifetime service provided in-house. Unlike other lenders, Earnest will never pass you off to third-party servicers.

No fees for origination, prepayment or loan disbursement

Two-minute rate check with no obligation or impact to your credit score

Protection Details

Auto Pay Discount

Rate displayed includes the 0.25% APR discount for using auto-pay²

Forbearance

With documentation from your previous servicer to confirm, we may match your existing grace period for up to nine months

Payment Deferral

Available in select cases, including post-graduation grace periods, unemployment, economic hardship, enrollment in school, active military day and 13 months thereafter, and Peace Corps service

Disclosure

To qualify, you must be a U.S. citizen or possess a 10-year (non-conditional) Permanent Resident Card, reside in a state Earnest lends in, and satisfy our minimum eligibility criteria. You may find more information on loan eligibility here: https://www.earnest.com/eligibility. Not all applicants will be approved for a loan, and not all applicants qualify for the lowest rate. Approval and interest rate depend on the review of a complete application.

Earnest's fixed rate loan rates range from 3.89% APR (with autopay) to 6.32% APR (with autopay). Variable rate loan rates range from 2.47% APR (with autopay) to 5.87% APR (with autopay). For variable rate loans, although the interest rate will vary after you are approved, the interest rate will never exceed 8.95% for loan terms of 10 years or less. For loan terms of 10 to 15 years, the interest rate will never exceed 9.95%. For loan terms over 15 years, the interest rate will never exceed 11.95% (the maximum rates for these loans). Earnest variable interest rate loans are based on a publicly available index, the one month London Interbank Offered Rate (LIBOR). Your rate will be calculated each month by adding a margin between 0.85% and 4.15% to the one month LIBOR. The rate will not increase more than once per month. Earnest rate ranges are current as of August 23, 2018 and are subject to change based on market conditions and borrower eligibility.

¹Explanation of $30,939 Average Client Savings: Average savings calculation is based on all Earnest clients who refinanced student loans owned and serviced by Navient between 03/06/2017 and 03/31/2018. The savings figure of a particular client is calculated by subtracting the projected lifetime cost of their Earnest refinancing from the projected total cost of their original student loans. You may find more information on loan savings here: https://www.earnest.com/savings-disclaimer

²Autopay Discount: If you make monthly principal and interest payments by an automatic, monthly deduction from a savings or checking account, your rate will be reduced by one quarter of one percent (0.25%) for so long as you continue to make automatic, electronic monthly payments. This benefit is suspended during periods of deferment and forbearance.

The information provided on this page is updated as of 08/22/18. Earnest reserves the right to change, pause, or terminate product offerings at any time without notice.

Earnest loans are originated by Earnest Operations LLC. California Finance Lender License 6054788. NMLS # 1204917. Earnest Operations LLC is located at 303 2nd Street, Suite 401N, San Francisco, CA 94107. Terms and Conditions apply. Visit https://www.earnest.com/terms-of-service, e-mail us at hello@earnest.com, or call 888-601-2801 for more information on our student loan refinance product.

Apply

on Educational Loan Finance‘s website

Term

240 Months

5.09 - 6.69%

Fixed APR

Apply

on Educational Loan Finance‘s website

View Details

Loan Details

Low rates and flexible terms*

No application fees, origination fees, or prepayment penalties

Loan amounts starting at $15,000

Consolidate multiple loans into one easy monthly payment

Get your rate without affecting your credit score

Apply in minutes. Our online loan application is fast and simple.

Outstanding personalized service from our Personal Loan Advisors

We have a longstanding history and expertise in serving student loan borrowers

You can earn a $100 bonus just for closing your loan within 30 days of your initial application**

Earn $400 for each new client you refer through our generous referral program**

Protection Details

Forbearance

Disclosure

*Subject to credit approval. Terms and conditions apply. http://www.elfi.com/terms/
**Visit website for full details. Restrictions apply. Taxes are the sole responsibility of the recipient.

Apply

on CommonBond‘s website

Term

180 Months

7.08 - 8.83%

Variable APR

Apply

on CommonBond‘s website

View Details

Loan Details

With our easy online application, you can apply in minutes. There are no pre-payment penalties and no hassles.

For every loan we fund, we also fund the education of a child in need. We're the first - and only - lender to make that promise.

We provide low interest rates and flexible repayment options so you can tailor your loans to your family's financial situation.

Our award-winning Care Team is available by phone, email, and live chat to answer any questions you have

Protection Details

Auto Pay Discount

There is a 0.25% interest rate reduction when you set up auto-pay¹

Forbearance

Up to two years of forebearance due to financial hardship

Interest Payments Only

Payment Deferral

Deferred while in school

Disclosure

Offered terms are subject to change. Loans are offered by CommonBond Lending, LLC (NMLS # 1175900). If you are approved for a loan, the interest rate offered will depend on your credit profile, your application, the loan term selected and will be within the ranges of rates shown.

¹All Annual Percentage Rates (APRs) displayed assume borrowers enroll in auto pay and account for the 0.25% reduction in interest rate. All variable rates are based on 1-month LIBOR

Apply

on CommonBond‘s website

Term

60 Months

5.38 - 7.72%

Fixed APR

Apply

on CommonBond‘s website

View Details

Loan Details

With our easy online application, you can apply in minutes. There are no pre-payment penalties and no hassles.

For every loan we fund, we also fund the education of a child in need. We're the first - and only - lender to make that promise.

We provide low interest rates and flexible repayment options so you can tailor your loans to your family's financial situation.

Our award-winning Care Team is available by phone, email, and live chat to answer any questions you have

Protection Details

Auto Pay Discount

There is a 0.25% interest rate reduction when you set up auto-pay¹

Forbearance

Up to two years of forebearance due to financial hardship

Interest Payments Only

Payment Deferral

Deferred while in school

Disclosure

Offered terms are subject to change. Loans are offered by CommonBond Lending, LLC (NMLS # 1175900). If you are approved for a loan, the interest rate offered will depend on your credit profile, your application, the loan term selected and will be within the ranges of rates shown.

¹All Annual Percentage Rates (APRs) displayed assume borrowers enroll in auto pay and account for the 0.25% reduction in interest rate. All variable rates are based on 1-month LIBOR

Apply

on CommonBond‘s website

Term

180 Months

5.33%

Variable APR

Apply

on CommonBond‘s website

View Details

Loan Details

With MBA rates lower than the federal student loan options, you could save more than $20,000 over the life of your loan by choosing CommonBond

For every loan we fund, we also fund the education of a child in need. We're the first - and only - lender to make that promise.

Our award-winning Care Team is available by phone, email, and live chat to answer any questions you have

Protection Details

Auto Pay Discount

There is a 0.25% interest rate reduction when you set up auto-pay¹

Forbearance

Up to two years of forebearance due to financial hardship

Interest Payments Only

Payment Deferral

Deferred while in school

Disclosure

Offered terms are subject to change. Loans are offered by CommonBond Lending, LLC (NMLS # 1175900). If you are approved for a loan, the interest rate offered will depend on your credit profile, your application, the loan term selected and will be within the ranges of rates shown.

¹All Annual Percentage Rates (APRs) displayed assume borrowers enroll in auto pay and account for the 0.25% reduction in interest rate. All variable rates are based on 1-month LIBOR

Apply

on Earnest‘s website

Term

84 Months

3.56 - 5.47%

Variable APR

Apply

on Earnest‘s website

View Details

Loan Details

Earnest uses data and technology to understand every applicant's unique financial story and offer customized rates

Lower rates based on your future potential and full financial profile, not just your FICO score

More savings: Earnest clients save $30,939¹ on average by refinancing

Flexible terms that let you pick your exact monthly payment, prepay with no penalty, or pay bi-weekly

Lifetime service provided in-house. Unlike other lenders, Earnest will never pass you off to third-party servicers.

No fees for origination, prepayment or loan disbursement

Two-minute rate check with no obligation or impact to your credit score

Protection Details

Auto Pay Discount

Rate displayed includes the 0.25% APR discount for using auto-pay²

Forbearance

With documentation from your previous servicer to confirm, we may match your existing grace period for up to nine months

Payment Deferral

Available in select cases, including post-graduation grace periods, unemployment, economic hardship, enrollment in school, active military day and 13 months thereafter, and Peace Corps service

Disclosure

To qualify, you must be a U.S. citizen or possess a 10-year (non-conditional) Permanent Resident Card, reside in a state Earnest lends in, and satisfy our minimum eligibility criteria. You may find more information on loan eligibility here: https://www.earnest.com/eligibility. Not all applicants will be approved for a loan, and not all applicants qualify for the lowest rate. Approval and interest rate depend on the review of a complete application.

Earnest's fixed rate loan rates range from 3.89% APR (with autopay) to 6.32% APR (with autopay). Variable rate loan rates range from 2.47% APR (with autopay) to 5.87% APR (with autopay). For variable rate loans, although the interest rate will vary after you are approved, the interest rate will never exceed 8.95% for loan terms of 10 years or less. For loan terms of 10 to 15 years, the interest rate will never exceed 9.95%. For loan terms over 15 years, the interest rate will never exceed 11.95% (the maximum rates for these loans). Earnest variable interest rate loans are based on a publicly available index, the one month London Interbank Offered Rate (LIBOR). Your rate will be calculated each month by adding a margin between 0.85% and 4.15% to the one month LIBOR. The rate will not increase more than once per month. Earnest rate ranges are current as of August 23, 2018 and are subject to change based on market conditions and borrower eligibility.

¹Explanation of $30,939 Average Client Savings: Average savings calculation is based on all Earnest clients who refinanced student loans owned and serviced by Navient between 03/06/2017 and 03/31/2018. The savings figure of a particular client is calculated by subtracting the projected lifetime cost of their Earnest refinancing from the projected total cost of their original student loans. You may find more information on loan savings here: https://www.earnest.com/savings-disclaimer

²Autopay Discount: If you make monthly principal and interest payments by an automatic, monthly deduction from a savings or checking account, your rate will be reduced by one quarter of one percent (0.25%) for so long as you continue to make automatic, electronic monthly payments. This benefit is suspended during periods of deferment and forbearance.

The information provided on this page is updated as of 08/22/18. Earnest reserves the right to change, pause, or terminate product offerings at any time without notice.

Earnest loans are originated by Earnest Operations LLC. California Finance Lender License 6054788. NMLS # 1204917. Earnest Operations LLC is located at 303 2nd Street, Suite 401N, San Francisco, CA 94107. Terms and Conditions apply. Visit https://www.earnest.com/terms-of-service, e-mail us at hello@earnest.com, or call 888-601-2801 for more information on our student loan refinance product.

Apply

on College Ave‘s website

Term

60 Months

5.29 - 12.07%

Fixed APR

Apply

on College Ave‘s website

View Details

Loan Details

0.25% rate reduction with auto-pay for repayment²

No origination, application and processing fees, no fees for early repayment

Multiple repayment options including: full principal and interest, interest-only, deferred, and flat payment

Coverage up to 100% of your school-certified cost of attendance ($1,000 minimum)*

Protection Details

Auto Pay Discount

There is a 0.25% interest rate reduction when you set up auto-pay²

Interest Payments Only

Pay the interest charges each month as you go during school

Payment Deferral

No in-school payments required, but you'll pay more in interest over the life of your loan

Disclosure

College Ave Student Loans products are made available through either Firstrust Bank, member FDIC or M.Y. Safra Bank, FSB, member FDIC. All loans are subject to individual approval and adherence to underwriting guidelines. Program restrictions, other terms, and conditions apply.

(1) This informational repayment example uses typical loan terms for a refi borrower who selects the Full Principal & Interest Repayment Option with a 10-year repayment term, has a $40,000 loan and a 5.5% Annual Percentage Rate ("APR"): 120 monthly payments of $434.11 while in the repayment period, for a total amount of payments of $52,092.61. Loans will never have a full principal and interest monthly payment of less than $50. Your actual rates and repayment terms may vary.

(2) The 0.25% auto-pay interest rate reduction applies as long as the borrower or cosigner, if applicable, enrolls in auto-pay and authorizes our loan servicer to automatically deduct your monthly payments from a valid bank account via Automated Clearing House ("ACH"). The rate reduction applies for as long as the monthly payment amount is successfully deducted from the designated bank account and is suspended during periods of forbearance and certain deferments. Variable rates may increase after consummation.

Apply

on CommonBond‘s website

Term

240 Months

5.38 - 7.25%

Fixed APR

Apply

on CommonBond‘s website

View Details

Loan Details

Save over $24,000, on average, by refinancing with CommonBond

For every loan we fund, we also fund the education of a child in need. We're the first - and only - lender to make that promise.

With an easy online application, you can get approved in minutes. There are no pre-payment penalties and no hassles.

Our award-winning Care Team is available by phone, email, and live chat to answer any questions you have

Protection Details

Auto Pay Discount

There is a 0.25% interest rate reduction when you set up auto-pay¹

Forbearance

Up to two years of forebearance due to financial hardship

Interest Payments Only

Payment Deferral

Up to 32 months of deferment available

Disclosure

Offered terms are subject to change. Loans are offered by CommonBond Lending, LLC (NMLS # 1175900). If you are approved for a loan, the interest rate offered will depend on your credit profile, your application, the loan term selected and will be within the ranges of rates shown.

¹All Annual Percentage Rates (APRs) displayed assume borrowers enroll in auto pay and account for the 0.25% reduction in interest rate. All variable rates are based on 1-month LIBOR

Apply

on Earnest‘s website

Term

168 Months

4.88 - 5.86%

Fixed APR

Apply

on Earnest‘s website

View Details

Loan Details

Earnest uses data and technology to understand every applicant's unique financial story and offer customized rates

Lower rates based on your future potential and full financial profile, not just your FICO score

More savings: Earnest clients save $30,939¹ on average by refinancing

Flexible terms that let you pick your exact monthly payment, prepay with no penalty, or pay bi-weekly

Lifetime service provided in-house. Unlike other lenders, Earnest will never pass you off to third-party servicers.

No fees for origination, prepayment or loan disbursement

Two-minute rate check with no obligation or impact to your credit score

Protection Details

Auto Pay Discount

Rate displayed includes the 0.25% APR discount for using auto-pay²

Forbearance

With documentation from your previous servicer to confirm, we may match your existing grace period for up to nine months

Payment Deferral

Available in select cases, including post-graduation grace periods, unemployment, economic hardship, enrollment in school, active military day and 13 months thereafter, and Peace Corps service

Disclosure

To qualify, you must be a U.S. citizen or possess a 10-year (non-conditional) Permanent Resident Card, reside in a state Earnest lends in, and satisfy our minimum eligibility criteria. You may find more information on loan eligibility here: https://www.earnest.com/eligibility. Not all applicants will be approved for a loan, and not all applicants qualify for the lowest rate. Approval and interest rate depend on the review of a complete application.

Earnest's fixed rate loan rates range from 3.89% APR (with autopay) to 6.32% APR (with autopay). Variable rate loan rates range from 2.47% APR (with autopay) to 5.87% APR (with autopay). For variable rate loans, although the interest rate will vary after you are approved, the interest rate will never exceed 8.95% for loan terms of 10 years or less. For loan terms of 10 to 15 years, the interest rate will never exceed 9.95%. For loan terms over 15 years, the interest rate will never exceed 11.95% (the maximum rates for these loans). Earnest variable interest rate loans are based on a publicly available index, the one month London Interbank Offered Rate (LIBOR). Your rate will be calculated each month by adding a margin between 0.85% and 4.15% to the one month LIBOR. The rate will not increase more than once per month. Earnest rate ranges are current as of August 23, 2018 and are subject to change based on market conditions and borrower eligibility.

¹Explanation of $30,939 Average Client Savings: Average savings calculation is based on all Earnest clients who refinanced student loans owned and serviced by Navient between 03/06/2017 and 03/31/2018. The savings figure of a particular client is calculated by subtracting the projected lifetime cost of their Earnest refinancing from the projected total cost of their original student loans. You may find more information on loan savings here: https://www.earnest.com/savings-disclaimer

²Autopay Discount: If you make monthly principal and interest payments by an automatic, monthly deduction from a savings or checking account, your rate will be reduced by one quarter of one percent (0.25%) for so long as you continue to make automatic, electronic monthly payments. This benefit is suspended during periods of deferment and forbearance.

The information provided on this page is updated as of 08/22/18. Earnest reserves the right to change, pause, or terminate product offerings at any time without notice.

Earnest loans are originated by Earnest Operations LLC. California Finance Lender License 6054788. NMLS # 1204917. Earnest Operations LLC is located at 303 2nd Street, Suite 401N, San Francisco, CA 94107. Terms and Conditions apply. Visit https://www.earnest.com/terms-of-service, e-mail us at hello@earnest.com, or call 888-601-2801 for more information on our student loan refinance product.

In School Student Loan (Generic) - 120 V

Apply

on Ascent‘s website

Term

120 Months

3.82- 12.82%

Variable APR

Apply

on Ascent‘s website

View Details

Loan Details

No application, origination or disbursement fees

Customize your loan with flexible repayment options

Discount for enrolling in automatic payments

Cover up to 100% of college tuition and living expenses with a minimum loan amount of $2,000 and up to $200,000

After making 24 consecutive on-time payments, you may be able to release your cosigner

100% U.S. based customer service

1% Cash Back Graduation Reward upon satisfaction of certain terms and conditions

Protection Details

Auto Pay Discount

Borrowers can get a 0.25% interest rate reduction if payments are made by Automatic Debit

Forbearance

Deferment and forbearance options include Active Duty Military Deferment, In-School Deferment, Residency/Internship Deferment and Temporary Hardship Forbearance

Interest Payments Only

Student must be registered at least half time and will pay only the interest on the loan until graduation. After this, full interest and principal payments must be made.

Payment Deferral

This option allows the borrower to postpone payments on the loan while the student is at least half-time enrolled at an eligible institution for up to 60 months

Rewards

1% Cash Back Graduation Reward: Borrowers are eligible to receive a 1% cash reward after graduation and upon meeting certain qualifying criteria

Disclosure

Before taking out private student loans, you should explore and compare all financial aid alternatives, including grants, scholarships, and federal student loans and consider your future monthly payments and income. Applying with a cosigner may improve your chance of getting approved and could help you qualify for a lower interest rate. Ascent Student Loans may be funded by Richland State Bank (RSB) or Turnstile Capital Management, LLC (TCM), which are not affiliated entities. Certain restrictions and limitations may apply. Ascent Student Loan products are subject to credit qualification, completion of a loan application, verification of application information and certification of loan amount by a participating school. All loan products may not be available in certain jurisdictions. Other terms and conditions apply. Ascent is a federally registered trademark of TCM and may be used by RSB under limited license. Richland State Bank is a federally registered service mark of Richland State Bank.
1. Variable rate loans are based on a margin between 2.00% and 11.00% plus the 1-Month London Interbank Offered Rate (LIBOR) rounded to the nearest 1/100th of a percent. The current LIBOR is 2.067%, which may adjust monthly. Your interest rate may increase or decrease, based on LIBOR monthly changes, resulting in an Annual Percentage (APR) range between 3.82% -12.82%. Fixed rate loans have an APR range between 5.49% - 14.53% based on your credit worthiness and your selected program. Competitive rates calculated monthly at the time of loan approval. (Rates are effective as of 09/01/2018 and include a 0.25% discount applied when a borrower in repayment elects automatic debit payments via their personal checking account.)
2. Payments may be deferred. Subject to lender discretion, forbearance and/or deferment options may be available for borrowers who are encountering financial distress.
3. Making interest only or partial interest payments while in school will not reduce the principal balance of the loan. There are three (3) flexible in-school repayment options that include fully deferred, interest only and $25 minimum repayment. See https://ascentstudentloans.com/tuition/apr/ for a Tuition repayment example.
4. Flexible repayment plans may be offered with up to a fifteen (15) year repayment term for a variable rate loan and ten (10) year repayment term for a fixed rate loan. Students must be enrolled at least half-time at an eligible school. Minimum loan amount of $2,000. See https://ascentstudentloans.com/tuition/apr/ for a Tuition repayment example.
5. Interest rate reduction of 0.25% for enrollment in automatic debit applies only when the borrower and/or cosigner signs up for automatic payments and the regularly scheduled, current amount due (including full, flat, or interest only payments, as applicable) is successfully deducted from the designated bank account each month. Interest rate reduction(s) will not apply during periods when no payment is due, including periods of In-School, Deferment, Grace or Forbearance. If you have two (2) returned payments for Nonsufficient Funds, we may cancel your automatic debit enrollment and you will lose the 0.25% interest rate reduction. You will then need to re-qualify and re-enroll in automatic debit payments in order to receive the 0.25% interest rate reduction.
6. All applicants (individual and cosigner) are required to complete a brief online financial literacy course as part of the application process to be eligible for funding.
7. Eligibility, loan amount and other loan terms are dependent on a number of factors which may include: loan product, other financial aid, creditworthiness, school, program, graduation date, major, cost of attendance and other factors. Aggregate loan limits may apply. The cost of attendance is determined and certified by the educational institution.
8. The legal age for entering into contracts is eighteen (18) years of age in every state except Alabama where it is nineteen (19) years old, Nebraska where it is nineteen (19) years old (only for wards of the state), and Mississippi and Puerto Rico where it is twenty-one (21) years old.
NOTE: 1% Cash Back Graduation Reward subject to terms and conditions, see https://ascentstudentloans.com/for-students/cashback/ for more details

Apply

on College Ave‘s website

Term

180 Months

3.69 - 10.94%

Variable APR

Apply

on College Ave‘s website

View Details

Loan Details

0.25% rate reduction with auto-pay for repayment²

No origination, application and processing fees, no fees for early repayment

Multiple repayment options including: full principal and interest, interest-only, deferred, and flat payment

Coverage up to 100% of your school-certified cost of attendance ($1,000 minimum)*

Protection Details

Auto Pay Discount

There is a 0.25% interest rate reduction when you set up auto-pay²

Interest Payments Only

Pay the interest charges each month as you go during school

Payment Deferral

No in-school payments required, but you'll pay more in interest over the life of your loan

Disclosure

College Ave Student Loans products are made available through either Firstrust Bank, member FDIC or M.Y. Safra Bank, FSB, member FDIC. All loans are subject to individual approval and adherence to underwriting guidelines. Program restrictions, other terms, and conditions apply.

(1) This informational repayment example uses typical loan terms for a refi borrower who selects the Full Principal & Interest Repayment Option with a 10-year repayment term, has a $40,000 loan and a 5.5% Annual Percentage Rate ("APR"): 120 monthly payments of $434.11 while in the repayment period, for a total amount of payments of $52,092.61. Loans will never have a full principal and interest monthly payment of less than $50. Your actual rates and repayment terms may vary.

(2) The 0.25% auto-pay interest rate reduction applies as long as the borrower or cosigner, if applicable, enrolls in auto-pay and authorizes our loan servicer to automatically deduct your monthly payments from a valid bank account via Automated Clearing House ("ACH"). The rate reduction applies for as long as the monthly payment amount is successfully deducted from the designated bank account and is suspended during periods of forbearance and certain deferments. Variable rates may increase after consummation.

Apply

on Earnest‘s website

Term

120 Months

4.8 - 5.64%

Fixed APR

Apply

on Earnest‘s website

View Details

Loan Details

Earnest uses data and technology to understand every applicant's unique financial story and offer customized rates

Lower rates based on your future potential and full financial profile, not just your FICO score

More savings: Earnest clients save $30,939¹ on average by refinancing

Flexible terms that let you pick your exact monthly payment, prepay with no penalty, or pay bi-weekly

Lifetime service provided in-house. Unlike other lenders, Earnest will never pass you off to third-party servicers.

No fees for origination, prepayment or loan disbursement

Two-minute rate check with no obligation or impact to your credit score

Protection Details

Auto Pay Discount

Rate displayed includes the 0.25% APR discount for using auto-pay²

Forbearance

With documentation from your previous servicer to confirm, we may match your existing grace period for up to nine months

Payment Deferral

Available in select cases, including post-graduation grace periods, unemployment, economic hardship, enrollment in school, active military day and 13 months thereafter, and Peace Corps service

Disclosure

To qualify, you must be a U.S. citizen or possess a 10-year (non-conditional) Permanent Resident Card, reside in a state Earnest lends in, and satisfy our minimum eligibility criteria. You may find more information on loan eligibility here: https://www.earnest.com/eligibility. Not all applicants will be approved for a loan, and not all applicants qualify for the lowest rate. Approval and interest rate depend on the review of a complete application.

Earnest's fixed rate loan rates range from 3.89% APR (with autopay) to 6.32% APR (with autopay). Variable rate loan rates range from 2.47% APR (with autopay) to 5.87% APR (with autopay). For variable rate loans, although the interest rate will vary after you are approved, the interest rate will never exceed 8.95% for loan terms of 10 years or less. For loan terms of 10 to 15 years, the interest rate will never exceed 9.95%. For loan terms over 15 years, the interest rate will never exceed 11.95% (the maximum rates for these loans). Earnest variable interest rate loans are based on a publicly available index, the one month London Interbank Offered Rate (LIBOR). Your rate will be calculated each month by adding a margin between 0.85% and 4.15% to the one month LIBOR. The rate will not increase more than once per month. Earnest rate ranges are current as of August 23, 2018 and are subject to change based on market conditions and borrower eligibility.

¹Explanation of $30,939 Average Client Savings: Average savings calculation is based on all Earnest clients who refinanced student loans owned and serviced by Navient between 03/06/2017 and 03/31/2018. The savings figure of a particular client is calculated by subtracting the projected lifetime cost of their Earnest refinancing from the projected total cost of their original student loans. You may find more information on loan savings here: https://www.earnest.com/savings-disclaimer

²Autopay Discount: If you make monthly principal and interest payments by an automatic, monthly deduction from a savings or checking account, your rate will be reduced by one quarter of one percent (0.25%) for so long as you continue to make automatic, electronic monthly payments. This benefit is suspended during periods of deferment and forbearance.

The information provided on this page is updated as of 08/22/18. Earnest reserves the right to change, pause, or terminate product offerings at any time without notice.

Earnest loans are originated by Earnest Operations LLC. California Finance Lender License 6054788. NMLS # 1204917. Earnest Operations LLC is located at 303 2nd Street, Suite 401N, San Francisco, CA 94107. Terms and Conditions apply. Visit https://www.earnest.com/terms-of-service, e-mail us at hello@earnest.com, or call 888-601-2801 for more information on our student loan refinance product.

Apply

on CommonBond‘s website

Term

120 Months

5.99%

Fixed APR

Apply

on CommonBond‘s website

View Details

Loan Details

With MBA rates lower than the federal student loan options, you could save more than $20,000 over the life of your loan by choosing CommonBond

For every loan we fund, we also fund the education of a child in need. We're the first - and only - lender to make that promise.

Our award-winning Care Team is available by phone, email, and live chat to answer any questions you have

Protection Details

Auto Pay Discount

There is a 0.25% interest rate reduction when you set up auto-pay¹

Forbearance

Up to two years of forebearance due to financial hardship

Interest Payments Only

Payment Deferral

Deferred while in school

Disclosure

Offered terms are subject to change. Loans are offered by CommonBond Lending, LLC (NMLS # 1175900). If you are approved for a loan, the interest rate offered will depend on your credit profile, your application, the loan term selected and will be within the ranges of rates shown.

¹All Annual Percentage Rates (APRs) displayed assume borrowers enroll in auto pay and account for the 0.25% reduction in interest rate. All variable rates are based on 1-month LIBOR

Apply

on CommonBond‘s website

Term

120 Months

6.19 - 9.66%

Fixed APR

Apply

on CommonBond‘s website

View Details

Loan Details

With our easy online application, you can apply in minutes. There are no pre-payment penalties and no hassles.

For every loan we fund, we also fund the education of a child in need. We're the first - and only - lender to make that promise.

We provide low interest rates and flexible repayment options so you can tailor your loans to your family's financial situation.

Our award-winning Care Team is available by phone, email, and live chat to answer any questions you have

Protection Details

Auto Pay Discount

There is a 0.25% interest rate reduction when you set up auto-pay¹

Forbearance

Up to two years of forebearance due to financial hardship

Interest Payments Only

Payment Deferral

Deferred while in school

Disclosure

Offered terms are subject to change. Loans are offered by CommonBond Lending, LLC (NMLS # 1175900). If you are approved for a loan, the interest rate offered will depend on your credit profile, your application, the loan term selected and will be within the ranges of rates shown.

¹All Annual Percentage Rates (APRs) displayed assume borrowers enroll in auto pay and account for the 0.25% reduction in interest rate. All variable rates are based on 1-month LIBOR

Apply

on CommonBond‘s website

Term

180 Months

6.46%

Fixed APR

Apply

on CommonBond‘s website

View Details

Loan Details

With MBA rates lower than the federal student loan options, you could save more than $20,000 over the life of your loan by choosing CommonBond

For every loan we fund, we also fund the education of a child in need. We're the first - and only - lender to make that promise.

Our award-winning Care Team is available by phone, email, and live chat to answer any questions you have

Protection Details

Auto Pay Discount

There is a 0.25% interest rate reduction when you set up auto-pay¹

Forbearance

Up to two years of forebearance due to financial hardship

Interest Payments Only

Payment Deferral

Deferred while in school

Disclosure

Offered terms are subject to change. Loans are offered by CommonBond Lending, LLC (NMLS # 1175900). If you are approved for a loan, the interest rate offered will depend on your credit profile, your application, the loan term selected and will be within the ranges of rates shown.

¹All Annual Percentage Rates (APRs) displayed assume borrowers enroll in auto pay and account for the 0.25% reduction in interest rate. All variable rates are based on 1-month LIBOR

Apply

on CommonBond‘s website

Term

60 Months

3.20 - 5.82%

Fixed APR

Apply

on CommonBond‘s website

View Details

Loan Details

Save over $24,000, on average, by refinancing with CommonBond

For every loan we fund, we also fund the education of a child in need. We're the first - and only - lender to make that promise.

With an easy online application, you can get approved in minutes. There are no pre-payment penalties and no hassles.

Our award-winning Care Team is available by phone, email, and live chat to answer any questions you have

Protection Details

Auto Pay Discount

There is a 0.25% interest rate reduction when you set up auto-pay¹

Forbearance

Up to two years of forebearance due to financial hardship

Interest Payments Only

Payment Deferral

Up to 32 months of deferment available

Disclosure

Offered terms are subject to change. Loans are offered by CommonBond Lending, LLC (NMLS # 1175900). If you are approved for a loan, the interest rate offered will depend on your credit profile, your application, the loan term selected and will be within the ranges of rates shown.

¹All Annual Percentage Rates (APRs) displayed assume borrowers enroll in auto pay and account for the 0.25% reduction in interest rate. All variable rates are based on 1-month LIBOR

Apply

on CommonBond‘s website

Term

180 Months

5.98 - 9.26%

Variable APR

Apply

on CommonBond‘s website

View Details

Loan Details

With our easy online application, you can apply in minutes. There are no pre-payment penalties and no hassles.

For every loan we fund, we also fund the education of a child in need. We're the first - and only - lender to make that promise.

We provide low interest rates and flexible repayment options so you can tailor your loans to your family's financial situation.

Our award-winning Care Team is available by phone, email, and live chat to answer any questions you have

Protection Details

Auto Pay Discount

There is a 0.25% interest rate reduction when you set up auto-pay¹

Forbearance

Up to two years of forebearance due to financial hardship

Interest Payments Only

Payment Deferral

Deferred while in school

Disclosure

Offered terms are subject to change. Loans are offered by CommonBond Lending, LLC (NMLS # 1175900). If you are approved for a loan, the interest rate offered will depend on your credit profile, your application, the loan term selected and will be within the ranges of rates shown.

¹All Annual Percentage Rates (APRs) displayed assume borrowers enroll in auto pay and account for the 0.25% reduction in interest rate. All variable rates are based on 1-month LIBOR

Apply

on CommonBond‘s website

Term

180 Months

6.26 - 9.67%

Fixed APR

Apply

on CommonBond‘s website

View Details

Loan Details

With our easy online application, you can apply in minutes. There are no pre-payment penalties and no hassles.

For every loan we fund, we also fund the education of a child in need. We're the first - and only - lender to make that promise.

We provide low interest rates and flexible repayment options so you can tailor your loans to your family's financial situation.

Our award-winning Care Team is available by phone, email, and live chat to answer any questions you have

Protection Details

Auto Pay Discount

There is a 0.25% interest rate reduction when you set up auto-pay¹

Forbearance

Up to two years of forebearance due to financial hardship

Interest Payments Only

Payment Deferral

Deferred while in school

Disclosure

Offered terms are subject to change. Loans are offered by CommonBond Lending, LLC (NMLS # 1175900). If you are approved for a loan, the interest rate offered will depend on your credit profile, your application, the loan term selected and will be within the ranges of rates shown.

¹All Annual Percentage Rates (APRs) displayed assume borrowers enroll in auto pay and account for the 0.25% reduction in interest rate. All variable rates are based on 1-month LIBOR

Apply

on Educational Loan Finance‘s website

Term

120 Months

4.45 - 6.69%

Fixed APR

Apply

on Educational Loan Finance‘s website

View Details

Loan Details

Low rates and flexible terms*

No application fees, origination fees, or prepayment penalties

Loan amounts starting at $15,000

Consolidate multiple loans into one easy monthly payment

Get your rate without affecting your credit score

Apply in minutes. Our online loan application is fast and simple.

Outstanding personalized service from our Personal Loan Advisors

We have a longstanding history and expertise in serving student loan borrowers

You can earn a $100 bonus just for closing your loan within 30 days of your initial application**

Earn $400 for each new client you refer through our generous referral program**

Protection Details

Forbearance

Disclosure

*Subject to credit approval. Terms and conditions apply. http://www.elfi.com/terms/
**Visit website for full details. Restrictions apply. Taxes are the sole responsibility of the recipient.

Apply

on Ascent‘s website

Term

60 Months

3.82- 12.82%

Variable APR

Apply

on Ascent‘s website

View Details

Loan Details

No application, origination or disbursement fees

Customize your loan with flexible repayment options

Discount for enrolling in automatic payments

Cover up to 100% of college tuition and living expenses with a minimum loan amount of $2,000 and up to $200,000

After making 24 consecutive on-time payments, you may be able to release your cosigner

100% U.S. based customer service

1% Cash Back Graduation Reward upon satisfaction of certain terms and conditions

Protection Details

Auto Pay Discount

Borrowers can get a 0.25% interest rate reduction if payments are made by Automatic Debit

Forbearance

Deferment and forbearance options include Active Duty Military Deferment, In-School Deferment, Residency/Internship Deferment and Temporary Hardship Forbearance

Interest Payments Only

Student must be registered at least half time and will pay only the interest on the loan until graduation. After this, full interest and principal payments must be made.

Payment Deferral

This option allows the borrower to postpone payments on the loan while the student is at least half-time enrolled at an eligible institution for up to 60 months

Rewards

1% Cash Back Graduation Reward: Borrowers are eligible to receive a 1% cash reward after graduation and upon meeting certain qualifying criteria

Disclosure

Before taking out private student loans, you should explore and compare all financial aid alternatives, including grants, scholarships, and federal student loans and consider your future monthly payments and income. Applying with a cosigner may improve your chance of getting approved and could help you qualify for a lower interest rate. Ascent Student Loans may be funded by Richland State Bank (RSB) or Turnstile Capital Management, LLC (TCM), which are not affiliated entities. Certain restrictions and limitations may apply. Ascent Student Loan products are subject to credit qualification, completion of a loan application, verification of application information and certification of loan amount by a participating school. All loan products may not be available in certain jurisdictions. Other terms and conditions apply. Ascent is a federally registered trademark of TCM and may be used by RSB under limited license. Richland State Bank is a federally registered service mark of Richland State Bank.
1. Variable rate loans are based on a margin between 2.00% and 11.00% plus the 1-Month London Interbank Offered Rate (LIBOR) rounded to the nearest 1/100th of a percent. The current LIBOR is 2.067%, which may adjust monthly. Your interest rate may increase or decrease, based on LIBOR monthly changes, resulting in an Annual Percentage (APR) range between 3.82% -12.82%. Fixed rate loans have an APR range between 5.49% - 14.53% based on your credit worthiness and your selected program. Competitive rates calculated monthly at the time of loan approval. (Rates are effective as of 09/01/2018 and include a 0.25% discount applied when a borrower in repayment elects automatic debit payments via their personal checking account.)
2. Payments may be deferred. Subject to lender discretion, forbearance and/or deferment options may be available for borrowers who are encountering financial distress.
3. Making interest only or partial interest payments while in school will not reduce the principal balance of the loan. There are three (3) flexible in-school repayment options that include fully deferred, interest only and $25 minimum repayment. See https://ascentstudentloans.com/tuition/apr/ for a Tuition repayment example.
4. Flexible repayment plans may be offered with up to a fifteen (15) year repayment term for a variable rate loan and ten (10) year repayment term for a fixed rate loan. Students must be enrolled at least half-time at an eligible school. Minimum loan amount of $2,000. See https://ascentstudentloans.com/tuition/apr/ for a Tuition repayment example.
5. Interest rate reduction of 0.25% for enrollment in automatic debit applies only when the borrower and/or cosigner signs up for automatic payments and the regularly scheduled, current amount due (including full, flat, or interest only payments, as applicable) is successfully deducted from the designated bank account each month. Interest rate reduction(s) will not apply during periods when no payment is due, including periods of In-School, Deferment, Grace or Forbearance. If you have two (2) returned payments for Nonsufficient Funds, we may cancel your automatic debit enrollment and you will lose the 0.25% interest rate reduction. You will then need to re-qualify and re-enroll in automatic debit payments in order to receive the 0.25% interest rate reduction.
6. All applicants (individual and cosigner) are required to complete a brief online financial literacy course as part of the application process to be eligible for funding.
7. Eligibility, loan amount and other loan terms are dependent on a number of factors which may include: loan product, other financial aid, creditworthiness, school, program, graduation date, major, cost of attendance and other factors. Aggregate loan limits may apply. The cost of attendance is determined and certified by the educational institution.
8. The legal age for entering into contracts is eighteen (18) years of age in every state except Alabama where it is nineteen (19) years old, Nebraska where it is nineteen (19) years old (only for wards of the state), and Mississippi and Puerto Rico where it is twenty-one (21) years old.
NOTE: 1% Cash Back Graduation Reward subject to terms and conditions, see https://ascentstudentloans.com/for-students/cashback/ for more details

Apply

on Earnest‘s website

Term

216 Months

4.49 - 5.80%

Variable APR

Apply

on Earnest‘s website

View Details

Loan Details

Earnest uses data and technology to understand every applicant's unique financial story and offer customized rates

Lower rates based on your future potential and full financial profile, not just your FICO score

More savings: Earnest clients save $30,939¹ on average by refinancing

Flexible terms that let you pick your exact monthly payment, prepay with no penalty, or pay bi-weekly

Lifetime service provided in-house. Unlike other lenders, Earnest will never pass you off to third-party servicers.

No fees for origination, prepayment or loan disbursement

Two-minute rate check with no obligation or impact to your credit score

Protection Details

Auto Pay Discount

Rate displayed includes the 0.25% APR discount for using auto-pay²

Forbearance

With documentation from your previous servicer to confirm, we may match your existing grace period for up to nine months

Payment Deferral

Available in select cases, including post-graduation grace periods, unemployment, economic hardship, enrollment in school, active military day and 13 months thereafter, and Peace Corps service

Disclosure

To qualify, you must be a U.S. citizen or possess a 10-year (non-conditional) Permanent Resident Card, reside in a state Earnest lends in, and satisfy our minimum eligibility criteria. You may find more information on loan eligibility here: https://www.earnest.com/eligibility. Not all applicants will be approved for a loan, and not all applicants qualify for the lowest rate. Approval and interest rate depend on the review of a complete application.

Earnest's fixed rate loan rates range from 3.89% APR (with autopay) to 6.32% APR (with autopay). Variable rate loan rates range from 2.47% APR (with autopay) to 5.87% APR (with autopay). For variable rate loans, although the interest rate will vary after you are approved, the interest rate will never exceed 8.95% for loan terms of 10 years or less. For loan terms of 10 to 15 years, the interest rate will never exceed 9.95%. For loan terms over 15 years, the interest rate will never exceed 11.95% (the maximum rates for these loans). Earnest variable interest rate loans are based on a publicly available index, the one month London Interbank Offered Rate (LIBOR). Your rate will be calculated each month by adding a margin between 0.85% and 4.15% to the one month LIBOR. The rate will not increase more than once per month. Earnest rate ranges are current as of August 23, 2018 and are subject to change based on market conditions and borrower eligibility.

¹Explanation of $30,939 Average Client Savings: Average savings calculation is based on all Earnest clients who refinanced student loans owned and serviced by Navient between 03/06/2017 and 03/31/2018. The savings figure of a particular client is calculated by subtracting the projected lifetime cost of their Earnest refinancing from the projected total cost of their original student loans. You may find more information on loan savings here: https://www.earnest.com/savings-disclaimer

²Autopay Discount: If you make monthly principal and interest payments by an automatic, monthly deduction from a savings or checking account, your rate will be reduced by one quarter of one percent (0.25%) for so long as you continue to make automatic, electronic monthly payments. This benefit is suspended during periods of deferment and forbearance.

The information provided on this page is updated as of 08/22/18. Earnest reserves the right to change, pause, or terminate product offerings at any time without notice.

Earnest loans are originated by Earnest Operations LLC. California Finance Lender License 6054788. NMLS # 1204917. Earnest Operations LLC is located at 303 2nd Street, Suite 401N, San Francisco, CA 94107. Terms and Conditions apply. Visit https://www.earnest.com/terms-of-service, e-mail us at hello@earnest.com, or call 888-601-2801 for more information on our student loan refinance product.

Apply

on Earnest‘s website

Term

72 Months

4.12 - 5.58%

Fixed APR

Apply

on Earnest‘s website

View Details

Loan Details

Earnest uses data and technology to understand every applicant's unique financial story and offer customized rates

Lower rates based on your future potential and full financial profile, not just your FICO score

More savings: Earnest clients save $30,939¹ on average by refinancing

Flexible terms that let you pick your exact monthly payment, prepay with no penalty, or pay bi-weekly

Lifetime service provided in-house. Unlike other lenders, Earnest will never pass you off to third-party servicers.

No fees for origination, prepayment or loan disbursement

Two-minute rate check with no obligation or impact to your credit score

Protection Details

Auto Pay Discount

Rate displayed includes the 0.25% discount for using auto-pay²

Forbearance

With documentation from your previous servicer to confirm, we may match your existing grace period for up to nine months

Payment Deferral

Available in select cases, including post-graduation grace periods, unemployment, economic hardship, enrollment in school, active military day and 13 months thereafter, and Peace Corps service

Disclosure

To qualify, you must be a U.S. citizen or possess a 10-year (non-conditional) Permanent Resident Card, reside in a state Earnest lends in, and satisfy our minimum eligibility criteria. You may find more information on loan eligibility here: https://www.earnest.com/eligibility. Not all applicants will be approved for a loan, and not all applicants qualify for the lowest rate. Approval and interest rate depend on the review of a complete application.

Earnest's fixed rate loan rates range from 3.89% APR (with autopay) to 6.32% APR (with autopay). Variable rate loan rates range from 2.47% APR (with autopay) to 5.87% APR (with autopay). For variable rate loans, although the interest rate will vary after you are approved, the interest rate will never exceed 8.95% for loan terms of 10 years or less. For loan terms of 10 to 15 years, the interest rate will never exceed 9.95%. For loan terms over 15 years, the interest rate will never exceed 11.95% (the maximum rates for these loans). Earnest variable interest rate loans are based on a publicly available index, the one month London Interbank Offered Rate (LIBOR). Your rate will be calculated each month by adding a margin between 0.85% and 4.15% to the one month LIBOR. The rate will not increase more than once per month. Earnest rate ranges are current as of August 23, 2018 and are subject to change based on market conditions and borrower eligibility.

¹Explanation of $30,939 Average Client Savings: Average savings calculation is based on all Earnest clients who refinanced student loans owned and serviced by Navient between 03/06/2017 and 03/31/2018. The savings figure of a particular client is calculated by subtracting the projected lifetime cost of their Earnest refinancing from the projected total cost of their original student loans. You may find more information on loan savings here: https://www.earnest.com/savings-disclaimer

²Autopay Discount: If you make monthly principal and interest payments by an automatic, monthly deduction from a savings or checking account, your rate will be reduced by one quarter of one percent (0.25%) for so long as you continue to make automatic, electronic monthly payments. This benefit is suspended during periods of deferment and forbearance.

The information provided on this page is updated as of 08/22/18. Earnest reserves the right to change, pause, or terminate product offerings at any time without notice.

Earnest loans are originated by Earnest Operations LLC. California Finance Lender License 6054788. NMLS # 1204917. Earnest Operations LLC is located at 303 2nd Street, Suite 401N, San Francisco, CA 94107. Terms and Conditions apply. Visit https://www.earnest.com/terms-of-service, e-mail us at hello@earnest.com, or call 888-601-2801 for more information on our student loan refinance product.

Apply

on Earnest‘s website

Term

144 Months

4.19 - 5.62%

Variable APR

Apply

on Earnest‘s website

View Details

Loan Details

Earnest uses data and technology to understand every applicant's unique financial story and offer customized rates

Lower rates based on your future potential and full financial profile, not just your FICO score

More savings: Earnest clients save $30,939¹ on average by refinancing

Flexible terms that let you pick your exact monthly payment, prepay with no penalty, or pay bi-weekly

Lifetime service provided in-house. Unlike other lenders, Earnest will never pass you off to third-party servicers.

No fees for origination, prepayment or loan disbursement

Two-minute rate check with no obligation or impact to your credit score

Protection Details

Auto Pay Discount

Rate displayed includes the 0.25% APR discount for using auto-pay²

Forbearance

With documentation from your previous servicer to confirm, we may match your existing grace period for up to nine months

Payment Deferral

Available in select cases, including post-graduation grace periods, unemployment, economic hardship, enrollment in school, active military day and 13 months thereafter, and Peace Corps service

Disclosure

To qualify, you must be a U.S. citizen or possess a 10-year (non-conditional) Permanent Resident Card, reside in a state Earnest lends in, and satisfy our minimum eligibility criteria. You may find more information on loan eligibility here: https://www.earnest.com/eligibility. Not all applicants will be approved for a loan, and not all applicants qualify for the lowest rate. Approval and interest rate depend on the review of a complete application.

Earnest's fixed rate loan rates range from 3.89% APR (with autopay) to 6.32% APR (with autopay). Variable rate loan rates range from 2.47% APR (with autopay) to 5.87% APR (with autopay). For variable rate loans, although the interest rate will vary after you are approved, the interest rate will never exceed 8.95% for loan terms of 10 years or less. For loan terms of 10 to 15 years, the interest rate will never exceed 9.95%. For loan terms over 15 years, the interest rate will never exceed 11.95% (the maximum rates for these loans). Earnest variable interest rate loans are based on a publicly available index, the one month London Interbank Offered Rate (LIBOR). Your rate will be calculated each month by adding a margin between 0.85% and 4.15% to the one month LIBOR. The rate will not increase more than once per month. Earnest rate ranges are current as of August 23, 2018 and are subject to change based on market conditions and borrower eligibility.

¹Explanation of $30,939 Average Client Savings: Average savings calculation is based on all Earnest clients who refinanced student loans owned and serviced by Navient between 03/06/2017 and 03/31/2018. The savings figure of a particular client is calculated by subtracting the projected lifetime cost of their Earnest refinancing from the projected total cost of their original student loans. You may find more information on loan savings here: https://www.earnest.com/savings-disclaimer

²Autopay Discount: If you make monthly principal and interest payments by an automatic, monthly deduction from a savings or checking account, your rate will be reduced by one quarter of one percent (0.25%) for so long as you continue to make automatic, electronic monthly payments. This benefit is suspended during periods of deferment and forbearance.

The information provided on this page is updated as of 08/22/18. Earnest reserves the right to change, pause, or terminate product offerings at any time without notice.

Earnest loans are originated by Earnest Operations LLC. California Finance Lender License 6054788. NMLS # 1204917. Earnest Operations LLC is located at 303 2nd Street, Suite 401N, San Francisco, CA 94107. Terms and Conditions apply. Visit https://www.earnest.com/terms-of-service, e-mail us at hello@earnest.com, or call 888-601-2801 for more information on our student loan refinance product.

Apply

on SoFi‘s website

Term

180 Months

5 - 7.81%

Fixed APR

Apply

on SoFi‘s website

View Details

Loan Details

Refinance and consolidate private and federal student loans

650 minimum FICO® Score²

No origination fees and no prepayment penalties

Simple online application with live support 7 days a week

Career support - complimentary career coaching for SoFi members

Protection Details

Auto Pay Discount

There is a 0.25% interest rate reduction when you set up auto-pay¹

Payment Deferral

If you lose your job through no fault of your own, you may apply for Unemployment Protection. Terms and conditions apply, see https://www.sofi.com/legal/#3 for details.

Disclosure

Fixed rates from 3.899% APR to 8.179% APR (with AutoPay). Variable rates from 2.470% APR to 6.705% APR (with AutoPay). Interest rates on variable rate loans are capped at either 8.95% or 9.95% depending on term of loan. See APR examples and terms. Lowest variable rate of 2.800% APR assumes current 1 month LIBOR rate of 2.08% plus 0.91% margin minus 0.25% ACH discount. Not all borrowers receive the lowest rate. If approved for a loan, the fixed or variable interest rate offered will depend on your creditworthiness, and the term of the loan and other factors, and will be within the ranges of rates listed above. For the SoFi variable rate loan, the 1-month LIBOR index will adjust monthly and the loan payment will be re-amortized and may change monthly. APRs for variable rate loans may increase after origination if the LIBOR index increases.

To check the rates and terms you qualify for, SoFi conducts a soft credit inquiry. Unlike hard credit inquiries, soft credit inquiries (or soft credit pulls) do not impact your credit score. Soft credit inquiries allow SoFi to show you what rates and terms SoFi can offer you up front. After seeing your rates, if you choose a product and continue your application, we will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit inquiry. Hard credit inquiries (or hard credit pulls) are required for SoFi to be able to issue you a loan. In addition to requiring your explicit permission, these credit pulls may impact your credit score. Terms and Conditions Apply. SOFI RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS AND BENEFITS AT ANY TIME WITHOUT NOTICE. To qualify, a borrower must be a U.S. citizen or permanent resident in an eligible state and meet SoFi's underwriting requirements. Not all borrowers receive the lowest rate. To qualify for the lowest rate, you must have a responsible financial history and meet other conditions. If approved, your actual rate will be within the range of rates listed above and will depend on a variety of factors, including term of loan, a responsible financial history, years of experience, income and other factors. Rates and Terms are subject to change at anytime without notice and are subject to state restrictions. SoFi refinance loans are private loans and do not have the same repayment options that the federal loan program offers such as Income Based Repayment or Income Contingent Repayment or PAYE. Licensed by the Department of Business Oversight under the California Financing Law License No. 6054612. SoFi loans are originated by SoFi Lending Corp., NMLS # 1121636. (www.nmlsconsumeraccess.org)

¹The SoFi 0.25% AutoPay interest rate reduction requires you to agree to make monthly principal and interest payments by an automatic monthly deduction from a savings or checking account. The benefit will discontinue and be lost for periods in which you do not pay by automatic deduction from a savings or checking account.

²Minimum Credit Score: Not all applicants who meet SoFi's minimum credit score requirements are approved for student loan refinancing. In addition to meeting SoFi's minimum eligibility criteria (https://www.sofi.com/eligibility-criteria#eligibility-refi), applicants must also meet other credit and underwriting requirements to qualify.

Apply

on Laurel Road‘s website

Term

180 Months

4.62 - 6.12%

Variable APR

Apply

on Laurel Road‘s website

View Details

Loan Details

15 Year Repayment Term

Variable interest rates from 4.62% to 6.12%

No maximum loan amount; $5,000 minimum

No origination fees, no prepayment penalties, and no obligation to accept the offer

Check your rates in minutes online without impacting your credit score

Private and Federal loans are eligible

0.25% rate discount for making automatic payments from a checking account

Co-signer option

$100/month repayment option for medical and dental residents

Average borrower saves over $20,000* when refinancing with Laurel Road

Protection Details

Auto Pay Discount

There is a 0.25% interest rate reduction when you set up auto-pay

Forbearance

Up to 12 months of forbearance is available at Laurel Road's discretion

Payment Deferral

Disclosure

REFINANCE/CONSOLIDATION LOAN - RATE DETAILS, TERMS, AND CONDITIONS
Laurel Road Bank is a Connecticut state-chartered bank offering products in all 50 U.S. states, Washington, D.C., and Puerto Rico. Laurel Road has helped thousands of professionals with graduate and undergraduate degrees across the country to refinance and consolidate over $3 billion in federal and private school loans, saving these borrowers thousands of dollars each.
Lending services provided by Laurel Road Bank, Member FDIC.
Laurel Road Bank is an Equal Opportunity Lender.
©2018 Laurel Road Bank.
EFT DISCOUNT
The interest rate table above is inclusive of all Electronic Funds Transfer (EFT) discounts. To qualify for the EFT discount of 0.25%, monthly payments must be paid automatically from a bank account.
FIXED APR
Fixed rate options consist of a range from 3.75% per year to 5.80% per year for a 5-year term, 5.14% per year to 6.25% per year for a 7-year term, 5.24% per year to 6.65% per year for a 10-year term, 5.30% per year to 7.05% per year for a 15-year term, or 5.61% per year to 7.27% per year for a 20-year term, with no origination fees. The fixed interest rate will apply until the loan is paid in full (whether before or after default, and whether before or after the scheduled maturity date of the loan). The monthly payment for a sample $10,000 loan at a range of 3.75% per year to 5.80% per year for a 5-year term would be from $183.04 to $192.40. The monthly payment for a sample $10,000 loan at a range of 5.14% per year to 6.25% per year for a 7-year term would be from $142.00 to $147.29. The monthly payment for a sample $10,000 loan at a range of 5.24% per year to 6.65% per year for a 10-year term would be from $107.24 to $114.31. The monthly payment for a sample $10,000 loan at a range of 5.30% per year to 7.05% per year for a 15-year term would be from $80.65 to $90.16. The monthly payment for a sample $10,000 loan at a range of 5.61% per year to 7.27% per year for a 20-year term would be from $69.41 to $79.16.
However, if the borrower chooses to make monthly payments automatically by electronic funds transfer (EFT) from a bank account, the fixed rate will decrease by 0.25%, and will increase back up to the regular fixed interest rate described in the preceding paragraph if the borrower stops making (or we stop accepting) monthly payments automatically by EFT from the designated borrower's bank account.
VARIABLE APR
Variable rate options consist of a range from 3.20% per year to 6.02% per year for a 5-year term, 4.57% per year to 6.07% per year for a 7-year term, 4.62% per year to 6.12% per year for a 10-year term, 4.87% per year to 6.37% per year for a 15-year term, or 5.12% per year to 6.62% per year for a 20-year term, with no origination fees. APR is subject to increase after consummation. The variable interest rate will change on the first day of every month ("Change Date") if the Current Index changes. The variable interest rates are based on a Current Index, which is the 1-month London Interbank Offered Rate (LIBOR) (currency in US dollars), as published on The Wall Street Journal's website. The variable interest rates and Annual Percentage Rate (APR) will increase or decrease when the 1-month LIBOR index changes. The variable interest rates are calculated by adding a margin ranging from 0.98% to 3.80% for the 5-year term loan, 2.35% to 3.85% for the 7-year term loan, 2.40% to 3.90% for the 10-year term loan, 2.65% to 4.15% for the 15-year term loan, and 2.90% to 4.40% for the 20-year term loan, respectively, to the 1-month LIBOR index published on the 25th day of each month immediately preceding each "Change Date," as defined above, rounded to two decimal places, with no origination fees. If the 25th day of the month is not a business day or is a US federal holiday, the reference date will be the most recent date preceding the 25th day of the month that is a business day. The monthly payment for a sample $10,000 loan at a range of 3.20% per year to 6.02% per year for a 5-year term would be from $180.58 to $193.42. The monthly payment for a sample $10,000 loan at a range of 4.57% per year to 6.07% per year for a 7-year term would be from $139.33 to $146.42. The monthly payment for a sample $10,000 loan at a range of 4.62% per year to 6.12% per year for a 10-year term would be from $104.22 to $111.62. The monthly payment for a sample $10,000 loan at a range of 4.87% per year to 6.37% per year for a 15-year term would be from $78.40 to $86.40. The monthly payment for a sample $10,000 loan at a range of 5.12% per year to 6.62% per year for a 20-year term would be from $66.66 to $75.27.
However, if the borrower chooses to make monthly payments automatically by electronic funds transfer (EFT) from a bank account, the variable rate will decrease by 0.25%, and will increase back up to the regular variable interest rate described in the preceding paragraph if the borrower stops making (or we stop accepting) monthly payments automatically by EFT from the designated borrower's bank account.
MAXIMUM RATES
Borrowers who take out a variable loan with a term of 5, 7, or 10 years will have a maximum interest rate of 9%. Borrowers who take out a 15 or 20-year variable loan will have a maximum interest rate of 10%.
FEE INFORMATION
Laurel Road has no origination fees and no prepayment penalties. However, if Laurel Road does not receive any part of a payment within 15 days after the due date, it may assess a late fee not to exceed 5% of the late payment or $28, whichever is less. The borrower may be charged $20 for any payment (including a check or an electronic payment) that is returned unpaid due to non-sufficient funds (NSF) or a closed account.
LOAN AMOUNT
Up to 100% of outstanding private and federal student loans (minimum $5,000). If you are refinancing greater than $300,000 in student loan debt, Laurel Road will refinance the loans into 2 or more new loans.
ELIGIBILITY
Must be a U.S. Citizen or Permanent Resident with a valid I-551 card (which must show a minimum of 10 years between "Resident Since" date and "Card Expires" date or has no expiration date) and meet Laurel Road underwriting criteria (including, for example, employment, employer size, debt-to-income, disposable income, total student loan debt relative to annual salary level, and credit history requirements).
ELIGIBLE LOANS
Graduates may refinance and/or consolidate any unsubsidized or subsidized Federal or private student loan that was used exclusively for qualified higher education expenses (as defined in 26 USC Section 221) at an accredited U.S. undergraduate or graduate school. All loans must be in grace or repayment status and cannot be in default.
INTEREST RATES
The interest rate you are offered will depend on your credit profile, income, and total debt payments as well as your choice of fixed or variable and choice of term. For applicants who are currently medical or dental residents, your rate offer may also vary depending on whether you have secured employment for after residency.
DISBURSEMENT OPTIONS
The repayment of any refinance and/or consolidation student loan will commence (1) immediately after disbursement by us, or (2) after any grace or in-school deferment period, existing prior to refinancing and/or consolidation with us, has expired.
POSTPONING OR REDUCING PAYMENTS
After loan disbursement, if a borrower documents a qualifying economic hardship, we may agree in our discretion to allow for full or partial forbearance of payments for one or more 3-month time periods (not to exceed 12 months in the aggregate during the term of your loan), provided that we receive acceptable documentation (including updating documentation) of the nature and expected duration of the borrower's economic hardship.
We may agree under certain circumstances to allow a borrower to make $100/month payments for a period of time immediately after loan disbursement if the borrower is employed full-time as an intern, resident, or similar postgraduate trainee at the time of loan disbursement. These payments may not be enough to cover all of the interest that accrues on the loan. Unpaid accrued interest will be added to your loan and monthly payments of principal and interest will begin when the post-graduate training program ends.
We may agree under certain circumstances to allow postponement (deferral) of monthly payments of principal and interest for a period of time immediately following loan disbursement (not to exceed 6 months after the borrower's graduation with an eligible degree), if the borrower is an eligible student in the borrower's final term at the time of loan disbursement or graduated less than 6 months before loan disbursement, and has accepted an offer of (or has already begun) full-time employment.
If Laurel Road agrees (in its sole discretion) to postpone or reduce any monthly payment(s) for a period of time, interest on the loan will continue to accrue for each day principal is owed. Although the borrower might not be required to make payments during such a period, the borrower may continue to make payments during such a period. Making payments, or paying some of the interest, will reduce the total amount that will be required to be paid over the life of the loan. Interest not paid during any period when Laurel Road has agreed to postpone or reduce any monthly payment will be added to the principal balance through capitalization (compounding) at the end of such a period, one month before the borrower is required to resume making regular monthly payments.
SAVINGS EXAMPLE
Average savings calculated based on single loans refinanced from 9/2013 to 12/2017 where borrowers' previous rates were disclosed. Assumes same loan terms for previous and refinanced loans, and payments made to maturity with no prepayments. Actual savings for individual loans vary based on loan balance, interest rates, and other factors.
LAUREL ROAD RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS AND BENEFITS AT ANY TIME WITHOUT NOTICE.
This information is current as of October 1st, 2018 and is subject to change.

Apply

on SoFi‘s website

Term

60 Months

3.9 - 6.68%

Fixed APR

Apply

on SoFi‘s website

View Details

Loan Details

Refinance and consolidate private and federal student loans

650 minimum FICO® Score²

No origination fees and no prepayment penalties

Simple online application with live support 7 days a week

Career support - complimentary career coaching for SoFi members

Protection Details

Auto Pay Discount

There is a 0.25% interest rate reduction when you set up auto-pay¹

Payment Deferral

If you lose your job through no fault of your own, you may apply for Unemployment Protection. Terms and conditions apply, see https://www.sofi.com/legal/#3 for details.

Disclosure

Fixed rates from 3.899% APR to 8.179% APR (with AutoPay). Variable rates from 2.470% APR to 6.705% APR (with AutoPay). Interest rates on variable rate loans are capped at either 8.95% or 9.95% depending on term of loan. See APR examples and terms. Lowest variable rate of 2.800% APR assumes current 1 month LIBOR rate of 2.08% plus 0.91% margin minus 0.25% ACH discount. Not all borrowers receive the lowest rate. If approved for a loan, the fixed or variable interest rate offered will depend on your creditworthiness, and the term of the loan and other factors, and will be within the ranges of rates listed above. For the SoFi variable rate loan, the 1-month LIBOR index will adjust monthly and the loan payment will be re-amortized and may change monthly. APRs for variable rate loans may increase after origination if the LIBOR index increases.

To check the rates and terms you qualify for, SoFi conducts a soft credit inquiry. Unlike hard credit inquiries, soft credit inquiries (or soft credit pulls) do not impact your credit score. Soft credit inquiries allow SoFi to show you what rates and terms SoFi can offer you up front. After seeing your rates, if you choose a product and continue your application, we will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit inquiry. Hard credit inquiries (or hard credit pulls) are required for SoFi to be able to issue you a loan. In addition to requiring your explicit permission, these credit pulls may impact your credit score. Terms and Conditions Apply. SOFI RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS AND BENEFITS AT ANY TIME WITHOUT NOTICE. To qualify, a borrower must be a U.S. citizen or permanent resident in an eligible state and meet SoFi's underwriting requirements. Not all borrowers receive the lowest rate. To qualify for the lowest rate, you must have a responsible financial history and meet other conditions. If approved, your actual rate will be within the range of rates listed above and will depend on a variety of factors, including term of loan, a responsible financial history, years of experience, income and other factors. Rates and Terms are subject to change at anytime without notice and are subject to state restrictions. SoFi refinance loans are private loans and do not have the same repayment options that the federal loan program offers such as Income Based Repayment or Income Contingent Repayment or PAYE. Licensed by the Department of Business Oversight under the California Financing Law License No. 6054612. SoFi loans are originated by SoFi Lending Corp., NMLS # 1121636. (www.nmlsconsumeraccess.org)

¹The SoFi 0.25% AutoPay interest rate reduction requires you to agree to make monthly principal and interest payments by an automatic monthly deduction from a savings or checking account. The benefit will discontinue and be lost for periods in which you do not pay by automatic deduction from a savings or checking account.

²Minimum Credit Score: Not all applicants who meet SoFi's minimum credit score requirements are approved for student loan refinancing. In addition to meeting SoFi's minimum eligibility criteria (https://www.sofi.com/eligibility-criteria#eligibility-refi), applicants must also meet other credit and underwriting requirements to qualify.

Apply

on SoFi‘s website

Term

240 Months

5.2 - 8.18%

Fixed APR

Apply

on SoFi‘s website

View Details

Loan Details

Refinance and consolidate private and federal student loans

650 minimum FICO® Score²

No origination fees and no prepayment penalties

Simple online application with live support 7 days a week

Career support - complimentary career coaching for SoFi members

Protection Details

Auto Pay Discount

There is a 0.25% interest rate reduction when you set up auto-pay¹

Payment Deferral

If you lose your job through no fault of your own, you may apply for Unemployment Protection. Terms and conditions apply, see https://www.sofi.com/legal/#3 for details.

Disclosure

Fixed rates from 3.899% APR to 8.179% APR (with AutoPay). Variable rates from 2.470% APR to 6.705% APR (with AutoPay). Interest rates on variable rate loans are capped at either 8.95% or 9.95% depending on term of loan. See APR examples and terms. Lowest variable rate of 2.800% APR assumes current 1 month LIBOR rate of 2.08% plus 0.91% margin minus 0.25% ACH discount. Not all borrowers receive the lowest rate. If approved for a loan, the fixed or variable interest rate offered will depend on your creditworthiness, and the term of the loan and other factors, and will be within the ranges of rates listed above. For the SoFi variable rate loan, the 1-month LIBOR index will adjust monthly and the loan payment will be re-amortized and may change monthly. APRs for variable rate loans may increase after origination if the LIBOR index increases.

To check the rates and terms you qualify for, SoFi conducts a soft credit inquiry. Unlike hard credit inquiries, soft credit inquiries (or soft credit pulls) do not impact your credit score. Soft credit inquiries allow SoFi to show you what rates and terms SoFi can offer you up front. After seeing your rates, if you choose a product and continue your application, we will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit inquiry. Hard credit inquiries (or hard credit pulls) are required for SoFi to be able to issue you a loan. In addition to requiring your explicit permission, these credit pulls may impact your credit score. Terms and Conditions Apply. SOFI RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS AND BENEFITS AT ANY TIME WITHOUT NOTICE. To qualify, a borrower must be a U.S. citizen or permanent resident in an eligible state and meet SoFi's underwriting requirements. Not all borrowers receive the lowest rate. To qualify for the lowest rate, you must have a responsible financial history and meet other conditions. If approved, your actual rate will be within the range of rates listed above and will depend on a variety of factors, including term of loan, a responsible financial history, years of experience, income and other factors. Rates and Terms are subject to change at anytime without notice and are subject to state restrictions. SoFi refinance loans are private loans and do not have the same repayment options that the federal loan program offers such as Income Based Repayment or Income Contingent Repayment or PAYE. Licensed by the Department of Business Oversight under the California Financing Law License No. 6054612. SoFi loans are originated by SoFi Lending Corp., NMLS # 1121636. (www.nmlsconsumeraccess.org)

¹The SoFi 0.25% AutoPay interest rate reduction requires you to agree to make monthly principal and interest payments by an automatic monthly deduction from a savings or checking account. The benefit will discontinue and be lost for periods in which you do not pay by automatic deduction from a savings or checking account.

²Minimum Credit Score: Not all applicants who meet SoFi's minimum credit score requirements are approved for student loan refinancing. In addition to meeting SoFi's minimum eligibility criteria (https://www.sofi.com/eligibility-criteria#eligibility-refi), applicants must also meet other credit and underwriting requirements to qualify.

Apply

on CommonBond‘s website

Term

60 Months

5.49 - 8.26%

Fixed APR

Apply

on CommonBond‘s website

View Details

Loan Details

With our easy online application, you can apply in minutes. There are no pre-payment penalties and no hassles.

For every loan we fund, we also fund the education of a child in need. We're the first - and only - lender to make that promise.

We provide low interest rates and flexible repayment options so you can tailor your loans to your family's financial situation.

Our award-winning Care Team is available by phone, email, and live chat to answer any questions you have

Protection Details

Auto Pay Discount

There is a 0.25% interest rate reduction when you set up auto-pay¹

Forbearance

Up to two years of forebearance due to financial hardship

Interest Payments Only

Payment Deferral

Deferred while in school

Disclosure

Offered terms are subject to change. Loans are offered by CommonBond Lending, LLC (NMLS # 1175900). If you are approved for a loan, the interest rate offered will depend on your credit profile, your application, the loan term selected and will be within the ranges of rates shown.

¹All Annual Percentage Rates (APRs) displayed assume borrowers enroll in auto pay and account for the 0.25% reduction in interest rate. All variable rates are based on 1-month LIBOR

Apply

on Laurel Road‘s website

Term

180 Months

5.05 - 6.80%

Fixed APR

Apply

on Laurel Road‘s website

View Details

Loan Details

15 Year Repayment Term

Variable interest rates from 5.05% to 6.8%

No maximum loan amount; $5,000 minimum

No origination fees, no prepayment penalties, and no obligation to accept the offer

Check your rates in minutes online without impacting your credit score

Private and Federal loans are eligible

0.25% rate discount for making automatic payments from a checking account

Co-signer option

$100/month repayment option for medical and dental residents

Average borrower saves over $20,000* when refinancing with Laurel Road

Protection Details

Auto Pay Discount

There is a 0.25% interest rate reduction when you set up auto-pay

Forbearance

Up to 12 months of forbearance is available at Laurel Road's discretion

Payment Deferral

Disclosure

REFINANCE/CONSOLIDATION LOAN - RATE DETAILS, TERMS, AND CONDITIONS
Laurel Road Bank is a Connecticut state-chartered bank offering products in all 50 U.S. states, Washington, D.C., and Puerto Rico. Laurel Road has helped thousands of professionals with graduate and undergraduate degrees across the country to refinance and consolidate over $3 billion in federal and private school loans, saving these borrowers thousands of dollars each.
Lending services provided by Laurel Road Bank, Member FDIC.
Laurel Road Bank is an Equal Opportunity Lender.
©2018 Laurel Road Bank.
EFT DISCOUNT
The interest rate table above is inclusive of all Electronic Funds Transfer (EFT) discounts. To qualify for the EFT discount of 0.25%, monthly payments must be paid automatically from a bank account.
FIXED APR
Fixed rate options consist of a range from 3.75% per year to 5.80% per year for a 5-year term, 5.14% per year to 6.25% per year for a 7-year term, 5.24% per year to 6.65% per year for a 10-year term, 5.30% per year to 7.05% per year for a 15-year term, or 5.61% per year to 7.27% per year for a 20-year term, with no origination fees. The fixed interest rate will apply until the loan is paid in full (whether before or after default, and whether before or after the scheduled maturity date of the loan). The monthly payment for a sample $10,000 loan at a range of 3.75% per year to 5.80% per year for a 5-year term would be from $183.04 to $192.40. The monthly payment for a sample $10,000 loan at a range of 5.14% per year to 6.25% per year for a 7-year term would be from $142.00 to $147.29. The monthly payment for a sample $10,000 loan at a range of 5.24% per year to 6.65% per year for a 10-year term would be from $107.24 to $114.31. The monthly payment for a sample $10,000 loan at a range of 5.30% per year to 7.05% per year for a 15-year term would be from $80.65 to $90.16. The monthly payment for a sample $10,000 loan at a range of 5.61% per year to 7.27% per year for a 20-year term would be from $69.41 to $79.16.
However, if the borrower chooses to make monthly payments automatically by electronic funds transfer (EFT) from a bank account, the fixed rate will decrease by 0.25%, and will increase back up to the regular fixed interest rate described in the preceding paragraph if the borrower stops making (or we stop accepting) monthly payments automatically by EFT from the designated borrower's bank account.
VARIABLE APR
Variable rate options consist of a range from 3.20% per year to 6.02% per year for a 5-year term, 4.57% per year to 6.07% per year for a 7-year term, 4.62% per year to 6.12% per year for a 10-year term, 4.87% per year to 6.37% per year for a 15-year term, or 5.12% per year to 6.62% per year for a 20-year term, with no origination fees. APR is subject to increase after consummation. The variable interest rate will change on the first day of every month ("Change Date") if the Current Index changes. The variable interest rates are based on a Current Index, which is the 1-month London Interbank Offered Rate (LIBOR) (currency in US dollars), as published on The Wall Street Journal's website. The variable interest rates and Annual Percentage Rate (APR) will increase or decrease when the 1-month LIBOR index changes. The variable interest rates are calculated by adding a margin ranging from 0.98% to 3.80% for the 5-year term loan, 2.35% to 3.85% for the 7-year term loan, 2.40% to 3.90% for the 10-year term loan, 2.65% to 4.15% for the 15-year term loan, and 2.90% to 4.40% for the 20-year term loan, respectively, to the 1-month LIBOR index published on the 25th day of each month immediately preceding each "Change Date," as defined above, rounded to two decimal places, with no origination fees. If the 25th day of the month is not a business day or is a US federal holiday, the reference date will be the most recent date preceding the 25th day of the month that is a business day. The monthly payment for a sample $10,000 loan at a range of 3.20% per year to 6.02% per year for a 5-year term would be from $180.58 to $193.42. The monthly payment for a sample $10,000 loan at a range of 4.57% per year to 6.07% per year for a 7-year term would be from $139.33 to $146.42. The monthly payment for a sample $10,000 loan at a range of 4.62% per year to 6.12% per year for a 10-year term would be from $104.22 to $111.62. The monthly payment for a sample $10,000 loan at a range of 4.87% per year to 6.37% per year for a 15-year term would be from $78.40 to $86.40. The monthly payment for a sample $10,000 loan at a range of 5.12% per year to 6.62% per year for a 20-year term would be from $66.66 to $75.27.
However, if the borrower chooses to make monthly payments automatically by electronic funds transfer (EFT) from a bank account, the variable rate will decrease by 0.25%, and will increase back up to the regular variable interest rate described in the preceding paragraph if the borrower stops making (or we stop accepting) monthly payments automatically by EFT from the designated borrower's bank account.
MAXIMUM RATES
Borrowers who take out a variable loan with a term of 5, 7, or 10 years will have a maximum interest rate of 9%. Borrowers who take out a 15 or 20-year variable loan will have a maximum interest rate of 10%.
FEE INFORMATION
Laurel Road has no origination fees and no prepayment penalties. However, if Laurel Road does not receive any part of a payment within 15 days after the due date, it may assess a late fee not to exceed 5% of the late payment or $28, whichever is less. The borrower may be charged $20 for any payment (including a check or an electronic payment) that is returned unpaid due to non-sufficient funds (NSF) or a closed account.
LOAN AMOUNT
Up to 100% of outstanding private and federal student loans (minimum $5,000). If you are refinancing greater than $300,000 in student loan debt, Laurel Road will refinance the loans into 2 or more new loans.
ELIGIBILITY
Must be a U.S. Citizen or Permanent Resident with a valid I-551 card (which must show a minimum of 10 years between "Resident Since" date and "Card Expires" date or has no expiration date) and meet Laurel Road underwriting criteria (including, for example, employment, employer size, debt-to-income, disposable income, total student loan debt relative to annual salary level, and credit history requirements).
ELIGIBLE LOANS
Graduates may refinance and/or consolidate any unsubsidized or subsidized Federal or private student loan that was used exclusively for qualified higher education expenses (as defined in 26 USC Section 221) at an accredited U.S. undergraduate or graduate school. All loans must be in grace or repayment status and cannot be in default.
INTEREST RATES
The interest rate you are offered will depend on your credit profile, income, and total debt payments as well as your choice of fixed or variable and choice of term. For applicants who are currently medical or dental residents, your rate offer may also vary depending on whether you have secured employment for after residency.
DISBURSEMENT OPTIONS
The repayment of any refinance and/or consolidation student loan will commence (1) immediately after disbursement by us, or (2) after any grace or in-school deferment period, existing prior to refinancing and/or consolidation with us, has expired.
POSTPONING OR REDUCING PAYMENTS
After loan disbursement, if a borrower documents a qualifying economic hardship, we may agree in our discretion to allow for full or partial forbearance of payments for one or more 3-month time periods (not to exceed 12 months in the aggregate during the term of your loan), provided that we receive acceptable documentation (including updating documentation) of the nature and expected duration of the borrower's economic hardship.
We may agree under certain circumstances to allow a borrower to make $100/month payments for a period of time immediately after loan disbursement if the borrower is employed full-time as an intern, resident, or similar postgraduate trainee at the time of loan disbursement. These payments may not be enough to cover all of the interest that accrues on the loan. Unpaid accrued interest will be added to your loan and monthly payments of principal and interest will begin when the post-graduate training program ends.
We may agree under certain circumstances to allow postponement (deferral) of monthly payments of principal and interest for a period of time immediately following loan disbursement (not to exceed 6 months after the borrower's graduation with an eligible degree), if the borrower is an eligible student in the borrower's final term at the time of loan disbursement or graduated less than 6 months before loan disbursement, and has accepted an offer of (or has already begun) full-time employment.
If Laurel Road agrees (in its sole discretion) to postpone or reduce any monthly payment(s) for a period of time, interest on the loan will continue to accrue for each day principal is owed. Although the borrower might not be required to make payments during such a period, the borrower may continue to make payments during such a period. Making payments, or paying some of the interest, will reduce the total amount that will be required to be paid over the life of the loan. Interest not paid during any period when Laurel Road has agreed to postpone or reduce any monthly payment will be added to the principal balance through capitalization (compounding) at the end of such a period, one month before the borrower is required to resume making regular monthly payments.
SAVINGS EXAMPLE
Average savings calculated based on single loans refinanced from 9/2013 to 12/2017 where borrowers' previous rates were disclosed. Assumes same loan terms for previous and refinanced loans, and payments made to maturity with no prepayments. Actual savings for individual loans vary based on loan balance, interest rates, and other factors.
LAUREL ROAD RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS AND BENEFITS AT ANY TIME WITHOUT NOTICE.
This information is current as of October 1st, 2018 and is subject to change.

Apply

on CommonBond‘s website

Term

60 Months

3.4 - 7.15%

Variable APR

Apply

on CommonBond‘s website

View Details

Loan Details

With our easy online application, you can apply in minutes. There are no pre-payment penalties and no hassles.

For every loan we fund, we also fund the education of a child in need. We're the first - and only - lender to make that promise.

We provide low interest rates and flexible repayment options so you can tailor your loans to your family's financial situation.

Our award-winning Care Team is available by phone, email, and live chat to answer any questions you have

Protection Details

Auto Pay Discount

There is a 0.25% interest rate reduction when you set up auto-pay¹

Forbearance

Up to two years of forebearance due to financial hardship

Interest Payments Only

Payment Deferral

Deferred while in school

Disclosure

Offered terms are subject to change. Loans are offered by CommonBond Lending, LLC (NMLS # 1175900). If you are approved for a loan, the interest rate offered will depend on your credit profile, your application, the loan term selected and will be within the ranges of rates shown.

¹All Annual Percentage Rates (APRs) displayed assume borrowers enroll in auto pay and account for the 0.25% reduction in interest rate. All variable rates are based on 1-month LIBOR

Apply

on College Ave‘s website

Term

96 Months

3.69 - 10.94%

Variable APR

Apply

on College Ave‘s website

View Details

Loan Details

0.25% rate reduction with auto-pay for repayment²

No origination, application and processing fees, no fees for early repayment

Multiple repayment options including: full principal and interest, interest-only, deferred, and flat payment

Coverage up to 100% of your school-certified cost of attendance ($1,000 minimum)*

Protection Details

Auto Pay Discount

There is a 0.25% interest rate reduction when you set up auto-pay²

Interest Payments Only

Pay the interest charges each month as you go during school

Payment Deferral

No in-school payments required, but you'll pay more in interest over the life of your loan

Disclosure

College Ave Student Loans products are made available through either Firstrust Bank, member FDIC or M.Y. Safra Bank, FSB, member FDIC. All loans are subject to individual approval and adherence to underwriting guidelines. Program restrictions, other terms, and conditions apply.

(1) This informational repayment example uses typical loan terms for a refi borrower who selects the Full Principal & Interest Repayment Option with a 10-year repayment term, has a $40,000 loan and a 5.5% Annual Percentage Rate ("APR"): 120 monthly payments of $434.11 while in the repayment period, for a total amount of payments of $52,092.61. Loans will never have a full principal and interest monthly payment of less than $50. Your actual rates and repayment terms may vary.

(2) The 0.25% auto-pay interest rate reduction applies as long as the borrower or cosigner, if applicable, enrolls in auto-pay and authorizes our loan servicer to automatically deduct your monthly payments from a valid bank account via Automated Clearing House ("ACH"). The rate reduction applies for as long as the monthly payment amount is successfully deducted from the designated bank account and is suspended during periods of forbearance and certain deferments. Variable rates may increase after consummation.

Apply

on CommonBond‘s website

Term

180 Months

4.52 - 7.02%

Variable APR

Apply

on CommonBond‘s website

View Details

Loan Details

Save over $24,000, on average, by refinancing with CommonBond

For every loan we fund, we also fund the education of a child in need. We're the first - and only - lender to make that promise.

With an easy online application, you can get approved in minutes. There are no pre-payment penalties and no hassles.

Our award-winning Care Team is available by phone, email, and live chat to answer any questions you have

Protection Details

Auto Pay Discount

There is a 0.25% interest rate reduction when you set up auto-pay¹

Forbearance

Up to two years of forebearance due to financial hardship

Interest Payments Only

Payment Deferral

Up to 32 months of deferment available

Disclosure

Offered terms are subject to change. Loans are offered by CommonBond Lending, LLC (NMLS # 1175900). If you are approved for a loan, the interest rate offered will depend on your credit profile, your application, the loan term selected and will be within the ranges of rates shown.

¹All Annual Percentage Rates (APRs) displayed assume borrowers enroll in auto pay and account for the 0.25% reduction in interest rate. All variable rates are based on 1-month LIBOR

Apply

on Educational Loan Finance‘s website

Term

60 Months

3.09 - 5.99%

Fixed APR

Apply

on Educational Loan Finance‘s website

View Details

Loan Details

Low rates and flexible terms*

No application fees, origination fees, or prepayment penalties

Loan amounts starting at $15,000

Consolidate multiple loans into one easy monthly payment

Get your rate without affecting your credit score

Apply in minutes. Our online loan application is fast and simple.

Outstanding personalized service from our Personal Loan Advisors

We have a longstanding history and expertise in serving student loan borrowers

You can earn a $100 bonus just for closing your loan within 30 days of your initial application**

Earn $400 for each new client you refer through our generous referral program**

Protection Details

Forbearance

Disclosure

*Subject to credit approval. Terms and conditions apply. http://www.elfi.com/terms/
**Visit website for full details. Restrictions apply. Taxes are the sole responsibility of the recipient.

Apply

on Laurel Road‘s website

Term

84 Months

4.89 - 6.00%

Fixed APR

Apply

on Laurel Road‘s website

View Details

Loan Details

7 Year Repayment Term

Variable interest rates from 4.89% to 6%

No maximum loan amount; $5,000 minimum

No origination fees, no prepayment penalties, and no obligation to accept the offer

Check your rates in minutes online without impacting your credit score

Private and Federal loans are eligible

0.25% rate discount for making automatic payments from a checking account

Co-signer option

$100/month repayment option for medical and dental residents

Average borrower saves over $20,000* when refinancing with Laurel Road

Protection Details

Auto Pay Discount

There is a 0.25% interest rate reduction when you set up auto-pay

Forbearance

Up to 12 months of forbearance is available at Laurel Road's discretion

Payment Deferral

Disclosure

REFINANCE/CONSOLIDATION LOAN - RATE DETAILS, TERMS, AND CONDITIONS
Laurel Road Bank is a Connecticut state-chartered bank offering products in all 50 U.S. states, Washington, D.C., and Puerto Rico. Laurel Road has helped thousands of professionals with graduate and undergraduate degrees across the country to refinance and consolidate over $3 billion in federal and private school loans, saving these borrowers thousands of dollars each.
Lending services provided by Laurel Road Bank, Member FDIC.
Laurel Road Bank is an Equal Opportunity Lender.
©2018 Laurel Road Bank.
EFT DISCOUNT
The interest rate table above is inclusive of all Electronic Funds Transfer (EFT) discounts. To qualify for the EFT discount of 0.25%, monthly payments must be paid automatically from a bank account.
FIXED APR
Fixed rate options consist of a range from 3.75% per year to 5.80% per year for a 5-year term, 5.14% per year to 6.25% per year for a 7-year term, 5.24% per year to 6.65% per year for a 10-year term, 5.30% per year to 7.05% per year for a 15-year term, or 5.61% per year to 7.27% per year for a 20-year term, with no origination fees. The fixed interest rate will apply until the loan is paid in full (whether before or after default, and whether before or after the scheduled maturity date of the loan). The monthly payment for a sample $10,000 loan at a range of 3.75% per year to 5.80% per year for a 5-year term would be from $183.04 to $192.40. The monthly payment for a sample $10,000 loan at a range of 5.14% per year to 6.25% per year for a 7-year term would be from $142.00 to $147.29. The monthly payment for a sample $10,000 loan at a range of 5.24% per year to 6.65% per year for a 10-year term would be from $107.24 to $114.31. The monthly payment for a sample $10,000 loan at a range of 5.30% per year to 7.05% per year for a 15-year term would be from $80.65 to $90.16. The monthly payment for a sample $10,000 loan at a range of 5.61% per year to 7.27% per year for a 20-year term would be from $69.41 to $79.16.
However, if the borrower chooses to make monthly payments automatically by electronic funds transfer (EFT) from a bank account, the fixed rate will decrease by 0.25%, and will increase back up to the regular fixed interest rate described in the preceding paragraph if the borrower stops making (or we stop accepting) monthly payments automatically by EFT from the designated borrower's bank account.
VARIABLE APR
Variable rate options consist of a range from 3.20% per year to 6.02% per year for a 5-year term, 4.57% per year to 6.07% per year for a 7-year term, 4.62% per year to 6.12% per year for a 10-year term, 4.87% per year to 6.37% per year for a 15-year term, or 5.12% per year to 6.62% per year for a 20-year term, with no origination fees. APR is subject to increase after consummation. The variable interest rate will change on the first day of every month ("Change Date") if the Current Index changes. The variable interest rates are based on a Current Index, which is the 1-month London Interbank Offered Rate (LIBOR) (currency in US dollars), as published on The Wall Street Journal's website. The variable interest rates and Annual Percentage Rate (APR) will increase or decrease when the 1-month LIBOR index changes. The variable interest rates are calculated by adding a margin ranging from 0.98% to 3.80% for the 5-year term loan, 2.35% to 3.85% for the 7-year term loan, 2.40% to 3.90% for the 10-year term loan, 2.65% to 4.15% for the 15-year term loan, and 2.90% to 4.40% for the 20-year term loan, respectively, to the 1-month LIBOR index published on the 25th day of each month immediately preceding each "Change Date," as defined above, rounded to two decimal places, with no origination fees. If the 25th day of the month is not a business day or is a US federal holiday, the reference date will be the most recent date preceding the 25th day of the month that is a business day. The monthly payment for a sample $10,000 loan at a range of 3.20% per year to 6.02% per year for a 5-year term would be from $180.58 to $193.42. The monthly payment for a sample $10,000 loan at a range of 4.57% per year to 6.07% per year for a 7-year term would be from $139.33 to $146.42. The monthly payment for a sample $10,000 loan at a range of 4.62% per year to 6.12% per year for a 10-year term would be from $104.22 to $111.62. The monthly payment for a sample $10,000 loan at a range of 4.87% per year to 6.37% per year for a 15-year term would be from $78.40 to $86.40. The monthly payment for a sample $10,000 loan at a range of 5.12% per year to 6.62% per year for a 20-year term would be from $66.66 to $75.27.
However, if the borrower chooses to make monthly payments automatically by electronic funds transfer (EFT) from a bank account, the variable rate will decrease by 0.25%, and will increase back up to the regular variable interest rate described in the preceding paragraph if the borrower stops making (or we stop accepting) monthly payments automatically by EFT from the designated borrower's bank account.
MAXIMUM RATES
Borrowers who take out a variable loan with a term of 5, 7, or 10 years will have a maximum interest rate of 9%. Borrowers who take out a 15 or 20-year variable loan will have a maximum interest rate of 10%.
FEE INFORMATION
Laurel Road has no origination fees and no prepayment penalties. However, if Laurel Road does not receive any part of a payment within 15 days after the due date, it may assess a late fee not to exceed 5% of the late payment or $28, whichever is less. The borrower may be charged $20 for any payment (including a check or an electronic payment) that is returned unpaid due to non-sufficient funds (NSF) or a closed account.
LOAN AMOUNT
Up to 100% of outstanding private and federal student loans (minimum $5,000). If you are refinancing greater than $300,000 in student loan debt, Laurel Road will refinance the loans into 2 or more new loans.
ELIGIBILITY
Must be a U.S. Citizen or Permanent Resident with a valid I-551 card (which must show a minimum of 10 years between "Resident Since" date and "Card Expires" date or has no expiration date) and meet Laurel Road underwriting criteria (including, for example, employment, employer size, debt-to-income, disposable income, total student loan debt relative to annual salary level, and credit history requirements).
ELIGIBLE LOANS
Graduates may refinance and/or consolidate any unsubsidized or subsidized Federal or private student loan that was used exclusively for qualified higher education expenses (as defined in 26 USC Section 221) at an accredited U.S. undergraduate or graduate school. All loans must be in grace or repayment status and cannot be in default.
INTEREST RATES
The interest rate you are offered will depend on your credit profile, income, and total debt payments as well as your choice of fixed or variable and choice of term. For applicants who are currently medical or dental residents, your rate offer may also vary depending on whether you have secured employment for after residency.
DISBURSEMENT OPTIONS
The repayment of any refinance and/or consolidation student loan will commence (1) immediately after disbursement by us, or (2) after any grace or in-school deferment period, existing prior to refinancing and/or consolidation with us, has expired.
POSTPONING OR REDUCING PAYMENTS
After loan disbursement, if a borrower documents a qualifying economic hardship, we may agree in our discretion to allow for full or partial forbearance of payments for one or more 3-month time periods (not to exceed 12 months in the aggregate during the term of your loan), provided that we receive acceptable documentation (including updating documentation) of the nature and expected duration of the borrower's economic hardship.
We may agree under certain circumstances to allow a borrower to make $100/month payments for a period of time immediately after loan disbursement if the borrower is employed full-time as an intern, resident, or similar postgraduate trainee at the time of loan disbursement. These payments may not be enough to cover all of the interest that accrues on the loan. Unpaid accrued interest will be added to your loan and monthly payments of principal and interest will begin when the post-graduate training program ends.
We may agree under certain circumstances to allow postponement (deferral) of monthly payments of principal and interest for a period of time immediately following loan disbursement (not to exceed 6 months after the borrower's graduation with an eligible degree), if the borrower is an eligible student in the borrower's final term at the time of loan disbursement or graduated less than 6 months before loan disbursement, and has accepted an offer of (or has already begun) full-time employment.
If Laurel Road agrees (in its sole discretion) to postpone or reduce any monthly payment(s) for a period of time, interest on the loan will continue to accrue for each day principal is owed. Although the borrower might not be required to make payments during such a period, the borrower may continue to make payments during such a period. Making payments, or paying some of the interest, will reduce the total amount that will be required to be paid over the life of the loan. Interest not paid during any period when Laurel Road has agreed to postpone or reduce any monthly payment will be added to the principal balance through capitalization (compounding) at the end of such a period, one month before the borrower is required to resume making regular monthly payments.
SAVINGS EXAMPLE
Average savings calculated based on single loans refinanced from 9/2013 to 12/2017 where borrowers' previous rates were disclosed. Assumes same loan terms for previous and refinanced loans, and payments made to maturity with no prepayments. Actual savings for individual loans vary based on loan balance, interest rates, and other factors.
LAUREL ROAD RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS AND BENEFITS AT ANY TIME WITHOUT NOTICE.
This information is current as of October 1st, 2018 and is subject to change.

Apply

on CommonBond‘s website

Term

120 Months

4.14 - 6.64%

Variable APR

Apply

on CommonBond‘s website

View Details

Loan Details

Save over $24,000, on average, by refinancing with CommonBond

For every loan we fund, we also fund the education of a child in need. We're the first - and only - lender to make that promise.

With an easy online application, you can get approved in minutes. There are no pre-payment penalties and no hassles.

Our award-winning Care Team is available by phone, email, and live chat to answer any questions you have

Protection Details

Auto Pay Discount

There is a 0.25% interest rate reduction when you set up auto-pay¹

Forbearance

Up to two years of forebearance due to financial hardship

Interest Payments Only

Payment Deferral

Up to 32 months of deferment available

Disclosure

Offered terms are subject to change. Loans are offered by CommonBond Lending, LLC (NMLS # 1175900). If you are approved for a loan, the interest rate offered will depend on your credit profile, your application, the loan term selected and will be within the ranges of rates shown.

¹All Annual Percentage Rates (APRs) displayed assume borrowers enroll in auto pay and account for the 0.25% reduction in interest rate. All variable rates are based on 1-month LIBOR

Apply

on Earnest‘s website

Term

180 Months

4.90 - 5.89%

Fixed APR

Apply

on Earnest‘s website

View Details

Loan Details

Earnest uses data and technology to understand every applicant's unique financial story and offer customized rates

Lower rates based on your future potential and full financial profile, not just your FICO score

More savings: Earnest clients save $30,939¹ on average by refinancing

Flexible terms that let you pick your exact monthly payment, prepay with no penalty, or pay bi-weekly

Lifetime service provided in-house. Unlike other lenders, Earnest will never pass you off to third-party servicers.

No fees for origination, prepayment or loan disbursement

Two-minute rate check with no obligation or impact to your credit score

Protection Details

Auto Pay Discount

Rate displayed includes the 0.25% APR discount for using auto-pay²

Forbearance

With documentation from your previous servicer to confirm, we may match your existing grace period for up to nine months

Payment Deferral

Available in select cases, including post-graduation grace periods, unemployment, economic hardship, enrollment in school, active military day and 13 months thereafter, and Peace Corps service

Disclosure

To qualify, you must be a U.S. citizen or possess a 10-year (non-conditional) Permanent Resident Card, reside in a state Earnest lends in, and satisfy our minimum eligibility criteria. You may find more information on loan eligibility here: https://www.earnest.com/eligibility. Not all applicants will be approved for a loan, and not all applicants qualify for the lowest rate. Approval and interest rate depend on the review of a complete application.

Earnest's fixed rate loan rates range from 3.89% APR (with autopay) to 6.32% APR (with autopay). Variable rate loan rates range from 2.47% APR (with autopay) to 5.87% APR (with autopay). For variable rate loans, although the interest rate will vary after you are approved, the interest rate will never exceed 8.95% for loan terms of 10 years or less. For loan terms of 10 to 15 years, the interest rate will never exceed 9.95%. For loan terms over 15 years, the interest rate will never exceed 11.95% (the maximum rates for these loans). Earnest variable interest rate loans are based on a publicly available index, the one month London Interbank Offered Rate (LIBOR). Your rate will be calculated each month by adding a margin between 0.85% and 4.15% to the one month LIBOR. The rate will not increase more than once per month. Earnest rate ranges are current as of August 23, 2018 and are subject to change based on market conditions and borrower eligibility.

¹Explanation of $30,939 Average Client Savings: Average savings calculation is based on all Earnest clients who refinanced student loans owned and serviced by Navient between 03/06/2017 and 03/31/2018. The savings figure of a particular client is calculated by subtracting the projected lifetime cost of their Earnest refinancing from the projected total cost of their original student loans. You may find more information on loan savings here: https://www.earnest.com/savings-disclaimer

²Autopay Discount: If you make monthly principal and interest payments by an automatic, monthly deduction from a savings or checking account, your rate will be reduced by one quarter of one percent (0.25%) for so long as you continue to make automatic, electronic monthly payments. This benefit is suspended during periods of deferment and forbearance.

The information provided on this page is updated as of 08/22/18. Earnest reserves the right to change, pause, or terminate product offerings at any time without notice.

Earnest loans are originated by Earnest Operations LLC. California Finance Lender License 6054788. NMLS # 1204917. Earnest Operations LLC is located at 303 2nd Street, Suite 401N, San Francisco, CA 94107. Terms and Conditions apply. Visit https://www.earnest.com/terms-of-service, e-mail us at hello@earnest.com, or call 888-601-2801 for more information on our student loan refinance product.

In School Student Loan (Generic) - 180 V

Apply

on Ascent‘s website

Term

180 Months

3.82- 12.82%

Variable APR

Apply

on Ascent‘s website

View Details

Loan Details

No application, origination or disbursement fees

Customize your loan with flexible repayment options

Discount for enrolling in automatic payments

Cover up to 100% of college tuition and living expenses with a minimum loan amount of $2,000 and up to $200,000

After making 24 consecutive on-time payments, you may be able to release your cosigner

100% U.S. based customer service

1% Cash Back Graduation Reward upon satisfaction of certain terms and conditions

Protection Details

Auto Pay Discount

Borrowers can get a 0.25% interest rate reduction if payments are made by Automatic Debit

Forbearance

Deferment and forbearance options include Active Duty Military Deferment, In-School Deferment, Residency/Internship Deferment and Temporary Hardship Forbearance

Interest Payments Only

Student must be registered at least half time and will pay only the interest on the loan until graduation. After this, full interest and principal payments must be made.

Payment Deferral

This option allows the borrower to postpone payments on the loan while the student is at least half-time enrolled at an eligible institution for up to 60 months

Rewards

1% Cash Back Graduation Reward: Borrowers are eligible to receive a 1% cash reward after graduation and upon meeting certain qualifying criteria

Disclosure

Before taking out private student loans, you should explore and compare all financial aid alternatives, including grants, scholarships, and federal student loans and consider your future monthly payments and income. Applying with a cosigner may improve your chance of getting approved and could help you qualify for a lower interest rate. Ascent Student Loans may be funded by Richland State Bank (RSB) or Turnstile Capital Management, LLC (TCM), which are not affiliated entities. Certain restrictions and limitations may apply. Ascent Student Loan products are subject to credit qualification, completion of a loan application, verification of application information and certification of loan amount by a participating school. All loan products may not be available in certain jurisdictions. Other terms and conditions apply. Ascent is a federally registered trademark of TCM and may be used by RSB under limited license. Richland State Bank is a federally registered service mark of Richland State Bank.
1. Variable rate loans are based on a margin between 2.00% and 11.00% plus the 1-Month London Interbank Offered Rate (LIBOR) rounded to the nearest 1/100th of a percent. The current LIBOR is 2.067%, which may adjust monthly. Your interest rate may increase or decrease, based on LIBOR monthly changes, resulting in an Annual Percentage (APR) range between 3.82% -12.82%. Fixed rate loans have an APR range between 5.49% - 14.53% based on your credit worthiness and your selected program. Competitive rates calculated monthly at the time of loan approval. (Rates are effective as of 09/01/2018 and include a 0.25% discount applied when a borrower in repayment elects automatic debit payments via their personal checking account.)
2. Payments may be deferred. Subject to lender discretion, forbearance and/or deferment options may be available for borrowers who are encountering financial distress.
3. Making interest only or partial interest payments while in school will not reduce the principal balance of the loan. There are three (3) flexible in-school repayment options that include fully deferred, interest only and $25 minimum repayment. See https://ascentstudentloans.com/tuition/apr/ for a Tuition repayment example.
4. Flexible repayment plans may be offered with up to a fifteen (15) year repayment term for a variable rate loan and ten (10) year repayment term for a fixed rate loan. Students must be enrolled at least half-time at an eligible school. Minimum loan amount of $2,000. See https://ascentstudentloans.com/tuition/apr/ for a Tuition repayment example.
5. Interest rate reduction of 0.25% for enrollment in automatic debit applies only when the borrower and/or cosigner signs up for automatic payments and the regularly scheduled, current amount due (including full, flat, or interest only payments, as applicable) is successfully deducted from the designated bank account each month. Interest rate reduction(s) will not apply during periods when no payment is due, including periods of In-School, Deferment, Grace or Forbearance. If you have two (2) returned payments for Nonsufficient Funds, we may cancel your automatic debit enrollment and you will lose the 0.25% interest rate reduction. You will then need to re-qualify and re-enroll in automatic debit payments in order to receive the 0.25% interest rate reduction.
6. All applicants (individual and cosigner) are required to complete a brief online financial literacy course as part of the application process to be eligible for funding.
7. Eligibility, loan amount and other loan terms are dependent on a number of factors which may include: loan product, other financial aid, creditworthiness, school, program, graduation date, major, cost of attendance and other factors. Aggregate loan limits may apply. The cost of attendance is determined and certified by the educational institution.
8. The legal age for entering into contracts is eighteen (18) years of age in every state except Alabama where it is nineteen (19) years old, Nebraska where it is nineteen (19) years old (only for wards of the state), and Mississippi and Puerto Rico where it is twenty-one (21) years old.
NOTE: 1% Cash Back Graduation Reward subject to terms and conditions, see https://ascentstudentloans.com/for-students/cashback/ for more details

In School Student Loan (Generic) - 120 F

Apply

on Ascent‘s website

Term

120 Months

5.54 - 14.53%

Fixed APR

Apply

on Ascent‘s website

View Details

Loan Details

No application, origination or disbursement fees

Customize your loan with flexible repayment options

Discount for enrolling in automatic payments

Cover up to 100% of college tuition and living expenses with a minimum loan amount of $2,000 and up to $200,000

After making 24 consecutive on-time payments, you may be able to release your cosigner

100% U.S. based customer service

1% Cash Back Graduation Reward upon satisfaction of certain terms and conditions

Protection Details

Auto Pay Discount

Borrowers can get a 0.25% interest rate reduction if payments are made by Automatic Debit

Forbearance

Deferment and forbearance options include Active Duty Military Deferment, In-School Deferment, Residency/Internship Deferment and Temporary Hardship Forbearance

Interest Payments Only

Student must be registered at least half time and will pay only the interest on the loan until graduation. After this, full interest and principal payments must be made.

Payment Deferral

This option allows the borrower to postpone payments on the loan while the student is at least half-time enrolled at an eligible institution for up to 60 months

Rewards

1% Cash Back Graduation Reward: Borrowers are eligible to receive a 1% cash reward after graduation and upon meeting certain qualifying criteria

Disclosure

Before taking out private student loans, you should explore and compare all financial aid alternatives, including grants, scholarships, and federal student loans and consider your future monthly payments and income. Applying with a cosigner may improve your chance of getting approved and could help you qualify for a lower interest rate. Ascent Student Loans may be funded by Richland State Bank (RSB) or Turnstile Capital Management, LLC (TCM), which are not affiliated entities. Certain restrictions and limitations may apply. Ascent Student Loan products are subject to credit qualification, completion of a loan application, verification of application information and certification of loan amount by a participating school. All loan products may not be available in certain jurisdictions. Other terms and conditions apply. Ascent is a federally registered trademark of TCM and may be used by RSB under limited license. Richland State Bank is a federally registered service mark of Richland State Bank.
1. Variable rate loans are based on a margin between 2.00% and 11.00% plus the 1-Month London Interbank Offered Rate (LIBOR) rounded to the nearest 1/100th of a percent. The current LIBOR is 2.067%, which may adjust monthly. Your interest rate may increase or decrease, based on LIBOR monthly changes, resulting in an Annual Percentage (APR) range between 3.82% -12.82%. Fixed rate loans have an APR range between 5.49% - 14.53% based on your credit worthiness and your selected program. Competitive rates calculated monthly at the time of loan approval. (Rates are effective as of 09/01/2018 and include a 0.25% discount applied when a borrower in repayment elects automatic debit payments via their personal checking account.)
2. Payments may be deferred. Subject to lender discretion, forbearance and/or deferment options may be available for borrowers who are encountering financial distress.
3. Making interest only or partial interest payments while in school will not reduce the principal balance of the loan. There are three (3) flexible in-school repayment options that include fully deferred, interest only and $25 minimum repayment. See https://ascentstudentloans.com/tuition/apr/ for a Tuition repayment example.
4. Flexible repayment plans may be offered with up to a fifteen (15) year repayment term for a variable rate loan and ten (10) year repayment term for a fixed rate loan. Students must be enrolled at least half-time at an eligible school. Minimum loan amount of $2,000. See https://ascentstudentloans.com/tuition/apr/ for a Tuition repayment example.
5. Interest rate reduction of 0.25% for enrollment in automatic debit applies only when the borrower and/or cosigner signs up for automatic payments and the regularly scheduled, current amount due (including full, flat, or interest only payments, as applicable) is successfully deducted from the designated bank account each month. Interest rate reduction(s) will not apply during periods when no payment is due, including periods of In-School, Deferment, Grace or Forbearance. If you have two (2) returned payments for Nonsufficient Funds, we may cancel your automatic debit enrollment and you will lose the 0.25% interest rate reduction. You will then need to re-qualify and re-enroll in automatic debit payments in order to receive the 0.25% interest rate reduction.
6. All applicants (individual and cosigner) are required to complete a brief online financial literacy course as part of the application process to be eligible for funding.
7. Eligibility, loan amount and other loan terms are dependent on a number of factors which may include: loan product, other financial aid, creditworthiness, school, program, graduation date, major, cost of attendance and other factors. Aggregate loan limits may apply. The cost of attendance is determined and certified by the educational institution.
8. The legal age for entering into contracts is eighteen (18) years of age in every state except Alabama where it is nineteen (19) years old, Nebraska where it is nineteen (19) years old (only for wards of the state), and Mississippi and Puerto Rico where it is twenty-one (21) years old.
NOTE: 1% Cash Back Graduation Reward subject to terms and conditions, see https://ascentstudentloans.com/for-students/cashback/ for more details

Apply

on Earnest‘s website

Term

204 Months

5.08 - 5.95%

Fixed APR

Apply

on Earnest‘s website

View Details

Loan Details

Earnest uses data and technology to understand every applicant's unique financial story and offer customized rates

Lower rates based on your future potential and full financial profile, not just your FICO score

More savings: Earnest clients save $30,939¹ on average by refinancing

Flexible terms that let you pick your exact monthly payment, prepay with no penalty, or pay bi-weekly

Lifetime service provided in-house. Unlike other lenders, Earnest will never pass you off to third-party servicers.

No fees for origination, prepayment or loan disbursement

Two-minute rate check with no obligation or impact to your credit score

Protection Details

Auto Pay Discount

Rate displayed includes the 0.25% APR discount for using auto-pay²

Forbearance

With documentation from your previous servicer to confirm, we may match your existing grace period for up to nine months

Payment Deferral

Available in select cases, including post-graduation grace periods, unemployment, economic hardship, enrollment in school, active military day and 13 months thereafter, and Peace Corps service

Disclosure

To qualify, you must be a U.S. citizen or possess a 10-year (non-conditional) Permanent Resident Card, reside in a state Earnest lends in, and satisfy our minimum eligibility criteria. You may find more information on loan eligibility here: https://www.earnest.com/eligibility. Not all applicants will be approved for a loan, and not all applicants qualify for the lowest rate. Approval and interest rate depend on the review of a complete application.

Earnest's fixed rate loan rates range from 3.89% APR (with autopay) to 6.32% APR (with autopay). Variable rate loan rates range from 2.47% APR (with autopay) to 5.87% APR (with autopay). For variable rate loans, although the interest rate will vary after you are approved, the interest rate will never exceed 8.95% for loan terms of 10 years or less. For loan terms of 10 to 15 years, the interest rate will never exceed 9.95%. For loan terms over 15 years, the interest rate will never exceed 11.95% (the maximum rates for these loans). Earnest variable interest rate loans are based on a publicly available index, the one month London Interbank Offered Rate (LIBOR). Your rate will be calculated each month by adding a margin between 0.85% and 4.15% to the one month LIBOR. The rate will not increase more than once per month. Earnest rate ranges are current as of August 23, 2018 and are subject to change based on market conditions and borrower eligibility.

¹Explanation of $30,939 Average Client Savings: Average savings calculation is based on all Earnest clients who refinanced student loans owned and serviced by Navient between 03/06/2017 and 03/31/2018. The savings figure of a particular client is calculated by subtracting the projected lifetime cost of their Earnest refinancing from the projected total cost of their original student loans. You may find more information on loan savings here: https://www.earnest.com/savings-disclaimer

²Autopay Discount: If you make monthly principal and interest payments by an automatic, monthly deduction from a savings or checking account, your rate will be reduced by one quarter of one percent (0.25%) for so long as you continue to make automatic, electronic monthly payments. This benefit is suspended during periods of deferment and forbearance.

The information provided on this page is updated as of 08/22/18. Earnest reserves the right to change, pause, or terminate product offerings at any time without notice.

Earnest loans are originated by Earnest Operations LLC. California Finance Lender License 6054788. NMLS # 1204917. Earnest Operations LLC is located at 303 2nd Street, Suite 401N, San Francisco, CA 94107. Terms and Conditions apply. Visit https://www.earnest.com/terms-of-service, e-mail us at hello@earnest.com, or call 888-601-2801 for more information on our student loan refinance product.

Apply

on CommonBond‘s website

Term

120 Months

7 - 8.53%

Variable APR

Apply

on CommonBond‘s website

View Details

Loan Details

With our easy online application, you can apply in minutes. There are no pre-payment penalties and no hassles.

For every loan we fund, we also fund the education of a child in need. We're the first - and only - lender to make that promise.

We provide low interest rates and flexible repayment options so you can tailor your loans to your family's financial situation.

Our award-winning Care Team is available by phone, email, and live chat to answer any questions you have

Protection Details

Auto Pay Discount

There is a 0.25% interest rate reduction when you set up auto-pay¹

Forbearance

Up to two years of forebearance due to financial hardship

Interest Payments Only

Payment Deferral

Deferred while in school

Disclosure

Offered terms are subject to change. Loans are offered by CommonBond Lending, LLC (NMLS # 1175900). If you are approved for a loan, the interest rate offered will depend on your credit profile, your application, the loan term selected and will be within the ranges of rates shown.

¹All Annual Percentage Rates (APRs) displayed assume borrowers enroll in auto pay and account for the 0.25% reduction in interest rate. All variable rates are based on 1-month LIBOR

Apply

on Educational Loan Finance‘s website

Term

60 Months

2.69 - 4.99%

Variable APR

Apply

on Educational Loan Finance‘s website

View Details

Loan Details

Low rates and flexible terms*

No application fees, origination fees, or prepayment penalties

Loan amounts starting at $15,000

Consolidate multiple loans into one easy monthly payment

Get your rate without affecting your credit score

Apply in minutes. Our online loan application is fast and simple.

Outstanding personalized service from our Personal Loan Advisors

We have a longstanding history and expertise in serving student loan borrowers

You can earn a $100 bonus just for closing your loan within 30 days of your initial application**

Earn $400 for each new client you refer through our generous referral program**

Protection Details

Forbearance

Disclosure

*Subject to credit approval. Terms and conditions apply. http://www.elfi.com/terms/
**Visit website for full details. Restrictions apply. Taxes are the sole responsibility of the recipient.

Apply

on CommonBond‘s website

Term

120 Months

5.18%

Variable APR

Apply

on CommonBond‘s website

View Details

Loan Details

With MBA rates lower than the federal student loan options, you could save more than $20,000 over the life of your loan by choosing CommonBond

For every loan we fund, we also fund the education of a child in need. We're the first - and only - lender to make that promise.

Our award-winning Care Team is available by phone, email, and live chat to answer any questions you have

Protection Details

Auto Pay Discount

There is a 0.25% interest rate reduction when you set up auto-pay¹

Forbearance

Up to two years of forebearance due to financial hardship

Interest Payments Only

Payment Deferral

Deferred while in school

Disclosure

Offered terms are subject to change. Loans are offered by CommonBond Lending, LLC (NMLS # 1175900). If you are approved for a loan, the interest rate offered will depend on your credit profile, your application, the loan term selected and will be within the ranges of rates shown.

¹All Annual Percentage Rates (APRs) displayed assume borrowers enroll in auto pay and account for the 0.25% reduction in interest rate. All variable rates are based on 1-month LIBOR

Apply

on College Ave‘s website

Term

60 Months

3.69 - 10.94%

Variable APR

Apply

on College Ave‘s website

View Details

Loan Details

0.25% rate reduction with auto-pay for repayment²

No origination, application and processing fees, no fees for early repayment

Multiple repayment options including: full principal and interest, interest-only, deferred, and flat payment

Coverage up to 100% of your school-certified cost of attendance ($1,000 minimum)*

Protection Details

Auto Pay Discount

There is a 0.25% interest rate reduction when you set up auto-pay²

Interest Payments Only

Pay the interest charges each month as you go during school

Payment Deferral

No in-school payments required, but you'll pay more in interest over the life of your loan

Disclosure

College Ave Student Loans products are made available through either Firstrust Bank, member FDIC or M.Y. Safra Bank, FSB, member FDIC. All loans are subject to individual approval and adherence to underwriting guidelines. Program restrictions, other terms, and conditions apply.

(1) This informational repayment example uses typical loan terms for a refi borrower who selects the Full Principal & Interest Repayment Option with a 10-year repayment term, has a $40,000 loan and a 5.5% Annual Percentage Rate ("APR"): 120 monthly payments of $434.11 while in the repayment period, for a total amount of payments of $52,092.61. Loans will never have a full principal and interest monthly payment of less than $50. Your actual rates and repayment terms may vary.

(2) The 0.25% auto-pay interest rate reduction applies as long as the borrower or cosigner, if applicable, enrolls in auto-pay and authorizes our loan servicer to automatically deduct your monthly payments from a valid bank account via Automated Clearing House ("ACH"). The rate reduction applies for as long as the monthly payment amount is successfully deducted from the designated bank account and is suspended during periods of forbearance and certain deferments. Variable rates may increase after consummation.

Apply

on CommonBond‘s website

Term

120 Months

5.9 - 9.02%

Variable APR

Apply

on CommonBond‘s website

View Details

Loan Details

With our easy online application, you can apply in minutes. There are no pre-payment penalties and no hassles.

For every loan we fund, we also fund the education of a child in need. We're the first - and only - lender to make that promise.

We provide low interest rates and flexible repayment options so you can tailor your loans to your family's financial situation.

Our award-winning Care Team is available by phone, email, and live chat to answer any questions you have

Protection Details

Auto Pay Discount

There is a 0.25% interest rate reduction when you set up auto-pay¹

Forbearance

Up to two years of forebearance due to financial hardship

Interest Payments Only

Payment Deferral

Deferred while in school

Disclosure

Offered terms are subject to change. Loans are offered by CommonBond Lending, LLC (NMLS # 1175900). If you are approved for a loan, the interest rate offered will depend on your credit profile, your application, the loan term selected and will be within the ranges of rates shown.

¹All Annual Percentage Rates (APRs) displayed assume borrowers enroll in auto pay and account for the 0.25% reduction in interest rate. All variable rates are based on 1-month LIBOR

Apply

on Ascent‘s website

Term

60 Months

5.54 - 14.53%

Fixed APR

Apply

on Ascent‘s website

View Details

Loan Details

No application, origination or disbursement fees

Customize your loan with flexible repayment options

Discount for enrolling in automatic payments

Cover up to 100% of college tuition and living expenses with a minimum loan amount of $2,000 and up to $200,000

After making 24 consecutive on-time payments, you may be able to release your cosigner

100% U.S. based customer service

1% Cash Back Graduation Reward upon satisfaction of certain terms and conditions

Protection Details

Auto Pay Discount

Borrowers can get a 0.25% interest rate reduction if payments are made by Automatic Debit

Forbearance

Deferment and forbearance options include Active Duty Military Deferment, In-School Deferment, Residency/Internship Deferment and Temporary Hardship Forbearance

Interest Payments Only

Student must be registered at least half time and will pay only the interest on the loan until graduation. After this, full interest and principal payments must be made.

Payment Deferral

This option allows the borrower to postpone payments on the loan while the student is at least half-time enrolled at an eligible institution for up to 60 months

Rewards

1% Cash Back Graduation Reward: Borrowers are eligible to receive a 1% cash reward after graduation and upon meeting certain qualifying criteria

Disclosure

Before taking out private student loans, you should explore and compare all financial aid alternatives, including grants, scholarships, and federal student loans and consider your future monthly payments and income. Applying with a cosigner may improve your chance of getting approved and could help you qualify for a lower interest rate. Ascent Student Loans may be funded by Richland State Bank (RSB) or Turnstile Capital Management, LLC (TCM), which are not affiliated entities. Certain restrictions and limitations may apply. Ascent Student Loan products are subject to credit qualification, completion of a loan application, verification of application information and certification of loan amount by a participating school. All loan products may not be available in certain jurisdictions. Other terms and conditions apply. Ascent is a federally registered trademark of TCM and may be used by RSB under limited license. Richland State Bank is a federally registered service mark of Richland State Bank.
1. Variable rate loans are based on a margin between 2.00% and 11.00% plus the 1-Month London Interbank Offered Rate (LIBOR) rounded to the nearest 1/100th of a percent. The current LIBOR is 2.067%, which may adjust monthly. Your interest rate may increase or decrease, based on LIBOR monthly changes, resulting in an Annual Percentage (APR) range between 3.82% -12.82%. Fixed rate loans have an APR range between 5.49% - 14.53% based on your credit worthiness and your selected program. Competitive rates calculated monthly at the time of loan approval. (Rates are effective as of 09/01/2018 and include a 0.25% discount applied when a borrower in repayment elects automatic debit payments via their personal checking account.)
2. Payments may be deferred. Subject to lender discretion, forbearance and/or deferment options may be available for borrowers who are encountering financial distress.
3. Making interest only or partial interest payments while in school will not reduce the principal balance of the loan. There are three (3) flexible in-school repayment options that include fully deferred, interest only and $25 minimum repayment. See https://ascentstudentloans.com/tuition/apr/ for a Tuition repayment example.
4. Flexible repayment plans may be offered with up to a fifteen (15) year repayment term for a variable rate loan and ten (10) year repayment term for a fixed rate loan. Students must be enrolled at least half-time at an eligible school. Minimum loan amount of $2,000. See https://ascentstudentloans.com/tuition/apr/ for a Tuition repayment example.
5. Interest rate reduction of 0.25% for enrollment in automatic debit applies only when the borrower and/or cosigner signs up for automatic payments and the regularly scheduled, current amount due (including full, flat, or interest only payments, as applicable) is successfully deducted from the designated bank account each month. Interest rate reduction(s) will not apply during periods when no payment is due, including periods of In-School, Deferment, Grace or Forbearance. If you have two (2) returned payments for Nonsufficient Funds, we may cancel your automatic debit enrollment and you will lose the 0.25% interest rate reduction. You will then need to re-qualify and re-enroll in automatic debit payments in order to receive the 0.25% interest rate reduction.
6. All applicants (individual and cosigner) are required to complete a brief online financial literacy course as part of the application process to be eligible for funding.
7. Eligibility, loan amount and other loan terms are dependent on a number of factors which may include: loan product, other financial aid, creditworthiness, school, program, graduation date, major, cost of attendance and other factors. Aggregate loan limits may apply. The cost of attendance is determined and certified by the educational institution.
8. The legal age for entering into contracts is eighteen (18) years of age in every state except Alabama where it is nineteen (19) years old, Nebraska where it is nineteen (19) years old (only for wards of the state), and Mississippi and Puerto Rico where it is twenty-one (21) years old.
NOTE: 1% Cash Back Graduation Reward subject to terms and conditions, see https://ascentstudentloans.com/for-students/cashback/ for more details

Apply

on SoFi‘s website

Term

120 Months

4.95 - 7.53%

Fixed APR

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on SoFi‘s website

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Loan Details

Refinance and consolidate private and federal student loans

650 minimum FICO® Score²

No origination fees and no prepayment penalties

Simple online application with live support 7 days a week

Career support - complimentary career coaching for SoFi members

Protection Details

Auto Pay Discount

There is a 0.25% interest rate reduction when you set up auto-pay¹

Payment Deferral

If you lose your job through no fault of your own, you may apply for Unemployment Protection. Terms and conditions apply, see https://www.sofi.com/legal/#3 for details.

Disclosure

Fixed rates from 3.899% APR to 8.179% APR (with AutoPay). Variable rates from 2.470% APR to 6.705% APR (with AutoPay). Interest rates on variable rate loans are capped at either 8.95% or 9.95% depending on term of loan. See APR examples and terms. Lowest variable rate of 2.800% APR assumes current 1 month LIBOR rate of 2.08% plus 0.91% margin minus 0.25% ACH discount. Not all borrowers receive the lowest rate. If approved for a loan, the fixed or variable interest rate offered will depend on your creditworthiness, and the term of the loan and other factors, and will be within the ranges of rates listed above. For the SoFi variable rate loan, the 1-month LIBOR index will adjust monthly and the loan payment will be re-amortized and may change monthly. APRs for variable rate loans may increase after origination if the LIBOR index increases.

To check the rates and terms you qualify for, SoFi conducts a soft credit inquiry. Unlike hard credit inquiries, soft credit inquiries (or soft credit pulls) do not impact your credit score. Soft credit inquiries allow SoFi to show you what rates and terms SoFi can offer you up front. After seeing your rates, if you choose a product and continue your application, we will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit inquiry. Hard credit inquiries (or hard credit pulls) are required for SoFi to be able to issue you a loan. In addition to requiring your explicit permission, these credit pulls may impact your credit score. Terms and Conditions Apply. SOFI RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS AND BENEFITS AT ANY TIME WITHOUT NOTICE. To qualify, a borrower must be a U.S. citizen or permanent resident in an eligible state and meet SoFi's underwriting requirements. Not all borrowers receive the lowest rate. To qualify for the lowest rate, you must have a responsible financial history and meet other conditions. If approved, your actual rate will be within the range of rates listed above and will depend on a variety of factors, including term of loan, a responsible financial history, years of experience, income and other factors. Rates and Terms are subject to change at anytime without notice and are subject to state restrictions. SoFi refinance loans are private loans and do not have the same repayment options that the federal loan program offers such as Income Based Repayment or Income Contingent Repayment or PAYE. Licensed by the Department of Business Oversight under the California Financing Law License No. 6054612. SoFi loans are originated by SoFi Lending Corp., NMLS # 1121636. (www.nmlsconsumeraccess.org)

¹The SoFi 0.25% AutoPay interest rate reduction requires you to agree to make monthly principal and interest payments by an automatic monthly deduction from a savings or checking account. The benefit will discontinue and be lost for periods in which you do not pay by automatic deduction from a savings or checking account.

²Minimum Credit Score: Not all applicants who meet SoFi's minimum credit score requirements are approved for student loan refinancing. In addition to meeting SoFi's minimum eligibility criteria (https://www.sofi.com/eligibility-criteria#eligibility-refi), applicants must also meet other credit and underwriting requirements to qualify.

Apply

on Earnest‘s website

Term

96 Months

4.77 - 5.62%

Fixed APR

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on Earnest‘s website

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Loan Details

Earnest uses data and technology to understand every applicant's unique financial story and offer customized rates

Lower rates based on your future potential and full financial profile, not just your FICO score

More savings: Earnest clients save $30,939¹ on average by refinancing

Flexible terms that let you pick your exact monthly payment, prepay with no penalty, or pay bi-weekly

Lifetime service provided in-house. Unlike other lenders, Earnest will never pass you off to third-party servicers.

No fees for origination, prepayment or loan disbursement

Two-minute rate check with no obligation or impact to your credit score

Protection Details

Auto Pay Discount

Rate displayed includes the 0.25% APR discount for using auto-pay²

Forbearance

With documentation from your previous servicer to confirm, we may match your existing grace period for up to nine months

Payment Deferral

Available in select cases, including post-graduation grace periods, unemployment, economic hardship, enrollment in school, active military day and 13 months thereafter, and Peace Corps service

Disclosure

To qualify, you must be a U.S. citizen or possess a 10-year (non-conditional) Permanent Resident Card, reside in a state Earnest lends in, and satisfy our minimum eligibility criteria. You may find more information on loan eligibility here: https://www.earnest.com/eligibility. Not all applicants will be approved for a loan, and not all applicants qualify for the lowest rate. Approval and interest rate depend on the review of a complete application.

Earnest's fixed rate loan rates range from 3.89% APR (with autopay) to 6.32% APR (with autopay). Variable rate loan rates range from 2.47% APR (with autopay) to 5.87% APR (with autopay). For variable rate loans, although the interest rate will vary after you are approved, the interest rate will never exceed 8.95% for loan terms of 10 years or less. For loan terms of 10 to 15 years, the interest rate will never exceed 9.95%. For loan terms over 15 years, the interest rate will never exceed 11.95% (the maximum rates for these loans). Earnest variable interest rate loans are based on a publicly available index, the one month London Interbank Offered Rate (LIBOR). Your rate will be calculated each month by adding a margin between 0.85% and 4.15% to the one month LIBOR. The rate will not increase more than once per month. Earnest rate ranges are current as of August 23, 2018 and are subject to change based on market conditions and borrower eligibility.

¹Explanation of $30,939 Average Client Savings: Average savings calculation is based on all Earnest clients who refinanced student loans owned and serviced by Navient between 03/06/2017 and 03/31/2018. The savings figure of a particular client is calculated by subtracting the projected lifetime cost of their Earnest refinancing from the projected total cost of their original student loans. You may find more information on loan savings here: https://www.earnest.com/savings-disclaimer

²Autopay Discount: If you make monthly principal and interest payments by an automatic, monthly deduction from a savings or checking account, your rate will be reduced by one quarter of one percent (0.25%) for so long as you continue to make automatic, electronic monthly payments. This benefit is suspended during periods of deferment and forbearance.

The information provided on this page is updated as of 08/22/18. Earnest reserves the right to change, pause, or terminate product offerings at any time without notice.

Earnest loans are originated by Earnest Operations LLC. California Finance Lender License 6054788. NMLS # 1204917. Earnest Operations LLC is located at 303 2nd Street, Suite 401N, San Francisco, CA 94107. Terms and Conditions apply. Visit https://www.earnest.com/terms-of-service, e-mail us at hello@earnest.com, or call 888-601-2801 for more information on our student loan refinance product.

Apply

on Laurel Road‘s website

Term

60 Months

3.50 - 5.55%

Fixed APR

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on Laurel Road‘s website

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Loan Details

5 Year Repayment Term

Variable interest rates from 3.5% to 5.55%

No maximum loan amount; $5,000 minimum

No origination fees, no prepayment penalties, and no obligation to accept the offer

Check your rates in minutes online without impacting your credit score

Private and Federal loans are eligible

0.25% rate discount for making automatic payments from a checking account

Co-signer option

$100/month repayment option for medical and dental residents

Average borrower saves over $20,000* when refinancing with Laurel Road

Protection Details

Auto Pay Discount

There is a 0.25% interest rate reduction when you set up auto-pay

Forbearance

Up to 12 months of forbearance is available at Laurel Road's discretion

Payment Deferral

Disclosure

REFINANCE/CONSOLIDATION LOAN - RATE DETAILS, TERMS, AND CONDITIONS
Laurel Road Bank is a Connecticut state-chartered bank offering products in all 50 U.S. states, Washington, D.C., and Puerto Rico. Laurel Road has helped thousands of professionals with graduate and undergraduate degrees across the country to refinance and consolidate over $3 billion in federal and private school loans, saving these borrowers thousands of dollars each.
Lending services provided by Laurel Road Bank, Member FDIC.
Laurel Road Bank is an Equal Opportunity Lender.
©2018 Laurel Road Bank.
EFT DISCOUNT
The interest rate table above is inclusive of all Electronic Funds Transfer (EFT) discounts. To qualify for the EFT discount of 0.25%, monthly payments must be paid automatically from a bank account.
FIXED APR
Fixed rate options consist of a range from 3.75% per year to 5.80% per year for a 5-year term, 5.14% per year to 6.25% per year for a 7-year term, 5.24% per year to 6.65% per year for a 10-year term, 5.30% per year to 7.05% per year for a 15-year term, or 5.61% per year to 7.27% per year for a 20-year term, with no origination fees. The fixed interest rate will apply until the loan is paid in full (whether before or after default, and whether before or after the scheduled maturity date of the loan). The monthly payment for a sample $10,000 loan at a range of 3.75% per year to 5.80% per year for a 5-year term would be from $183.04 to $192.40. The monthly payment for a sample $10,000 loan at a range of 5.14% per year to 6.25% per year for a 7-year term would be from $142.00 to $147.29. The monthly payment for a sample $10,000 loan at a range of 5.24% per year to 6.65% per year for a 10-year term would be from $107.24 to $114.31. The monthly payment for a sample $10,000 loan at a range of 5.30% per year to 7.05% per year for a 15-year term would be from $80.65 to $90.16. The monthly payment for a sample $10,000 loan at a range of 5.61% per year to 7.27% per year for a 20-year term would be from $69.41 to $79.16.
However, if the borrower chooses to make monthly payments automatically by electronic funds transfer (EFT) from a bank account, the fixed rate will decrease by 0.25%, and will increase back up to the regular fixed interest rate described in the preceding paragraph if the borrower stops making (or we stop accepting) monthly payments automatically by EFT from the designated borrower's bank account.
VARIABLE APR
Variable rate options consist of a range from 3.20% per year to 6.02% per year for a 5-year term, 4.57% per year to 6.07% per year for a 7-year term, 4.62% per year to 6.12% per year for a 10-year term, 4.87% per year to 6.37% per year for a 15-year term, or 5.12% per year to 6.62% per year for a 20-year term, with no origination fees. APR is subject to increase after consummation. The variable interest rate will change on the first day of every month ("Change Date") if the Current Index changes. The variable interest rates are based on a Current Index, which is the 1-month London Interbank Offered Rate (LIBOR) (currency in US dollars), as published on The Wall Street Journal's website. The variable interest rates and Annual Percentage Rate (APR) will increase or decrease when the 1-month LIBOR index changes. The variable interest rates are calculated by adding a margin ranging from 0.98% to 3.80% for the 5-year term loan, 2.35% to 3.85% for the 7-year term loan, 2.40% to 3.90% for the 10-year term loan, 2.65% to 4.15% for the 15-year term loan, and 2.90% to 4.40% for the 20-year term loan, respectively, to the 1-month LIBOR index published on the 25th day of each month immediately preceding each "Change Date," as defined above, rounded to two decimal places, with no origination fees. If the 25th day of the month is not a business day or is a US federal holiday, the reference date will be the most recent date preceding the 25th day of the month that is a business day. The monthly payment for a sample $10,000 loan at a range of 3.20% per year to 6.02% per year for a 5-year term would be from $180.58 to $193.42. The monthly payment for a sample $10,000 loan at a range of 4.57% per year to 6.07% per year for a 7-year term would be from $139.33 to $146.42. The monthly payment for a sample $10,000 loan at a range of 4.62% per year to 6.12% per year for a 10-year term would be from $104.22 to $111.62. The monthly payment for a sample $10,000 loan at a range of 4.87% per year to 6.37% per year for a 15-year term would be from $78.40 to $86.40. The monthly payment for a sample $10,000 loan at a range of 5.12% per year to 6.62% per year for a 20-year term would be from $66.66 to $75.27.
However, if the borrower chooses to make monthly payments automatically by electronic funds transfer (EFT) from a bank account, the variable rate will decrease by 0.25%, and will increase back up to the regular variable interest rate described in the preceding paragraph if the borrower stops making (or we stop accepting) monthly payments automatically by EFT from the designated borrower's bank account.
MAXIMUM RATES
Borrowers who take out a variable loan with a term of 5, 7, or 10 years will have a maximum interest rate of 9%. Borrowers who take out a 15 or 20-year variable loan will have a maximum interest rate of 10%.
FEE INFORMATION
Laurel Road has no origination fees and no prepayment penalties. However, if Laurel Road does not receive any part of a payment within 15 days after the due date, it may assess a late fee not to exceed 5% of the late payment or $28, whichever is less. The borrower may be charged $20 for any payment (including a check or an electronic payment) that is returned unpaid due to non-sufficient funds (NSF) or a closed account.
LOAN AMOUNT
Up to 100% of outstanding private and federal student loans (minimum $5,000). If you are refinancing greater than $300,000 in student loan debt, Laurel Road will refinance the loans into 2 or more new loans.
ELIGIBILITY
Must be a U.S. Citizen or Permanent Resident with a valid I-551 card (which must show a minimum of 10 years between "Resident Since" date and "Card Expires" date or has no expiration date) and meet Laurel Road underwriting criteria (including, for example, employment, employer size, debt-to-income, disposable income, total student loan debt relative to annual salary level, and credit history requirements).
ELIGIBLE LOANS
Graduates may refinance and/or consolidate any unsubsidized or subsidized Federal or private student loan that was used exclusively for qualified higher education expenses (as defined in 26 USC Section 221) at an accredited U.S. undergraduate or graduate school. All loans must be in grace or repayment status and cannot be in default.
INTEREST RATES
The interest rate you are offered will depend on your credit profile, income, and total debt payments as well as your choice of fixed or variable and choice of term. For applicants who are currently medical or dental residents, your rate offer may also vary depending on whether you have secured employment for after residency.
DISBURSEMENT OPTIONS
The repayment of any refinance and/or consolidation student loan will commence (1) immediately after disbursement by us, or (2) after any grace or in-school deferment period, existing prior to refinancing and/or consolidation with us, has expired.
POSTPONING OR REDUCING PAYMENTS
After loan disbursement, if a borrower documents a qualifying economic hardship, we may agree in our discretion to allow for full or partial forbearance of payments for one or more 3-month time periods (not to exceed 12 months in the aggregate during the term of your loan), provided that we receive acceptable documentation (including updating documentation) of the nature and expected duration of the borrower's economic hardship.
We may agree under certain circumstances to allow a borrower to make $100/month payments for a period of time immediately after loan disbursement if the borrower is employed full-time as an intern, resident, or similar postgraduate trainee at the time of loan disbursement. These payments may not be enough to cover all of the interest that accrues on the loan. Unpaid accrued interest will be added to your loan and monthly payments of principal and interest will begin when the post-graduate training program ends.
We may agree under certain circumstances to allow postponement (deferral) of monthly payments of principal and interest for a period of time immediately following loan disbursement (not to exceed 6 months after the borrower's graduation with an eligible degree), if the borrower is an eligible student in the borrower's final term at the time of loan disbursement or graduated less than 6 months before loan disbursement, and has accepted an offer of (or has already begun) full-time employment.
If Laurel Road agrees (in its sole discretion) to postpone or reduce any monthly payment(s) for a period of time, interest on the loan will continue to accrue for each day principal is owed. Although the borrower might not be required to make payments during such a period, the borrower may continue to make payments during such a period. Making payments, or paying some of the interest, will reduce the total amount that will be required to be paid over the life of the loan. Interest not paid during any period when Laurel Road has agreed to postpone or reduce any monthly payment will be added to the principal balance through capitalization (compounding) at the end of such a period, one month before the borrower is required to resume making regular monthly payments.
SAVINGS EXAMPLE
Average savings calculated based on single loans refinanced from 9/2013 to 12/2017 where borrowers' previous rates were disclosed. Assumes same loan terms for previous and refinanced loans, and payments made to maturity with no prepayments. Actual savings for individual loans vary based on loan balance, interest rates, and other factors.
LAUREL ROAD RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS AND BENEFITS AT ANY TIME WITHOUT NOTICE.
This information is current as of October 1st, 2018 and is subject to change.

Apply

on CommonBond‘s website

Term

180 Months

7.36 - 9.21%

Fixed APR

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on CommonBond‘s website

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With our easy online application, you can apply in minutes. There are no pre-payment penalties and no hassles.

For every loan we fund, we also fund the education of a child in need. We're the first - and only - lender to make that promise.

We provide low interest rates and flexible repayment options so you can tailor your loans to your family's financial situation.

Our award-winning Care Team is available by phone, email, and live chat to answer any questions you have

Protection Details

Auto Pay Discount

There is a 0.25% interest rate reduction when you set up auto-pay¹

Forbearance

Up to two years of forebearance due to financial hardship

Interest Payments Only

Payment Deferral

Deferred while in school

Disclosure

Offered terms are subject to change. Loans are offered by CommonBond Lending, LLC (NMLS # 1175900). If you are approved for a loan, the interest rate offered will depend on your credit profile, your application, the loan term selected and will be within the ranges of rates shown.

¹All Annual Percentage Rates (APRs) displayed assume borrowers enroll in auto pay and account for the 0.25% reduction in interest rate. All variable rates are based on 1-month LIBOR

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