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Student Loan Refinancing

Parent PLUS Refinancing

Private Student Loans

Personal Loans

Top Picks For Student Loan Refinancing

January 2022

Variable APR ?APR, or Annual Percentage Rate, is the price you pay to borrow money. Variable APR means that your interest rate can fluctuate over time, which can increase or decrease your monthly student loan payment. Typically, a variable-rate loan has a lower introductory rate than a fixed-loan rate loan. Variable APR includes a 0.25% discount when you enroll in autopay.
Fixed APR ?APR, or Annual Percentage Rate, is the price you pay to borrow money. Fixed APR means that your interest rate will always stay the same. Even if interest rates change, your interest rate or monthly payment will not. Fixed APR includes a 0.25% discount when you enroll in autopay.
APR
1.74% - 6.59%
2.49% - 6.94%
1.74% - 6.94%

View Details

on SoFi's website

Overview

Variable APR:
1.74% - 6.59%
Fixed APR:
2.49% - 6.94%
Minimum Credit Score:
650
Minimum Income:
None
Fees:
None
Minimum Loan Amount:
$5,000 ($10,000 in CA)

Details

Eligible Loans:
Private & Federal
Eligible Degrees:
Undergraduate & Graduate
Loan Terms:
5, 7, 10, 15, 20 years
Borrower Residency:
All states
Hardship Deferment:
Yes
Co-signer Option:
Yes
1.74% - 5.64%
2.44% - 5.79%
1.74% - 5.79%

View Details

on Earnest's website

Overview

Variable APR:
1.74% - 5.64%
Fixed APR:
2.44% - 5.79%
Minimum Credit Score:
650
Minimum Income:
None
Fees:
None
Minimum Loan Amount:
$5,000

Details

Eligible Loans:
Private & Federal
Eligible Degrees:
Undergraduate & Graduate
Loan Terms:
5-20 years
Borrower Residency:
All States except KY or NV
Hardship Deferment:
Yes
Co-signer Option:
No
-
2.44% - 6.22%
2.44% - 6.22%

View Details

on ISL's website

Overview

Variable APR:
-
Fixed APR:
2.44% - 6.22%
Minimum Credit Score:
670
Minimum Income:
None
Fees:
None
Minimum Loan Amount:
$5,000 ($10,000 in CA)

Details

Eligible Loans:
Private & Federal
Eligible Degrees:
Undergraduate & Graduate
Loan Terms:
5, 7, 10, 15, 20 years
Borrower Residency:
All states, except OR and ME
Hardship Deferment:
Yes
Co-signer Option:
Yes
1.86% - 6.01%
2.47% - 5.99%
1.86% - 6.01%

View Details

on ELFI's website

Overview

Variable APR:
1.86% - 6.01%
Fixed APR:
2.47% - 5.99%
Minimum Credit Score:
680
Minimum Income:
$35,000
Fees:
None
Minimum Loan Amount:
$15,000

Details

Eligible Loans:
Private & Federal
Eligible Degrees:
Undergraduate & Graduate
Loan Terms:
5, 7, 10, 15, 20 years
Borrower Residency:
All States
Hardship Deferment:
Yes
Co-signer Option:
Yes
1.74% - 6.15%
2.30% - 6.25%
1.74% - 6.25%

View Details

on Splash's website

Overview

Variable APR:
1.74% - 6.15%
Fixed APR:
2.30% - 6.25%
Minimum Credit Score:
660
Minimum Income:
None
Fees:
None
Minimum Loan Amount:
$5,000

Details

Eligible Loans:
Private & Federal
Eligible Degrees:
Undergraduate & Graduate
Loan Terms:
5 – 20 years
Borrower Residency:
All states
Hardship Deferment:
Varies
Co-signer Option:
Yes
1.89% - 5.90%
2.50% - 6.00%
1.89% - 6.00%

View Details

on Laurel Road's website

Overview

Variable APR:
1.89% - 5.90%
Fixed APR:
2.50% - 6.00%
Minimum Credit Score:
660
Minimum Income:
None
Fees:
None
Minimum Loan Amount:
$5,000

Details

Eligible Loans:
Private & Federal
Eligible Degrees:
Undergraduate & Graduate
Loan Terms:
5, 7, 10, 15, 20 years
Borrower Residency:
All States
Hardship Deferment:
Yes
Co-signer Option:
Yes
1.90% - 5.25%
2.49% - 7.75%
1.90% - 7.75%

View Details

on LendKey's website

Overview

Variable APR:
1.90% - 5.25%
Fixed APR:
2.49% - 7.75%
Minimum Credit Score:
680
Minimum Income:
$24,000
Fees:
None
Minimum Loan Amount:
$5,000

Details

Eligible Loans:
Private & Federal
Eligible Degrees:
Undergraduate & Graduate
Loan Terms:
5, 7, 10, 15, 20 years
Borrower Residency:
All states, except ME, ND, NV, RI, WV
Hardship Deferment:
Yes
Co-signer Option:
Yes

Top Picks For Parent PLUS Loan Refinancing

January 2022

Variable APR ?APR, or Annual Percentage Rate, is the price you pay to borrow money. Variable APR means that your interest rate can fluctuate over time, which can increase or decrease your monthly student loan payment. Typically, a variable-rate loan has a lower introductory rate than a fixed-loan rate loan. Variable APR includes a 0.25% discount when you enroll in autopay.
Fixed APR ?APR, or Annual Percentage Rate, is the price you pay to borrow money. Fixed APR means that your interest rate will always stay the same. Even if interest rates change, your interest rate or monthly payment will not. Fixed APR includes a 0.25% discount when you enroll in autopay.
APR
1.74% - 6.59%
2.49% - 6.94%
1.74% - 6.94%

View Details

on SoFi's website

Overview

Variable APR:
1.74% - 6.59%
Fixed APR:
2.49% - 6.94%
Minimum Credit Score:
Good or Excellent
Minimum Income:
None

Details

Eligible Loans:
Private & Federal
Minimum Loan Amount:
$5,000 ($10,000 in CA)
Loan Terms:
5, 7, 10, 15, 20 years
Borrower Residency:
All States
Hardship Deferment:
Yes
Co-signer Option:
Yes
1.74% - 5.64%
2.44% - 5.79%
1.74% - 5.79%

View Details

on Earnest's website

Overview

Variable APR:
1.74% - 5.64%
Fixed APR:
2.44% - 5.79%
Minimum Credit Score:
650
Minimum Income:
None

Details

Eligible Loans:
Private & Federal
Minimum Loan Amount:
$5,000
Loan Terms:
5 – 20 years
Borrower Residency:
All States except KY or NV
Hardship Deferment:
Yes
Co-signer Option:
Yes
-
2.44% - 6.22%
2.44% - 6.22%

View Details

on ISL's website

Overview

Variable APR:
-
Fixed APR:
2.44% - 6.22%
Minimum Credit Score:
670
Minimum Income:
None

Details

Eligible Loans:
Private & Federal
Minimum Loan Amount:
$5,000 ($10,000 in CA)
Loan Terms:
5, 7, 10, 15, 20 years
Borrower Residency:
All states, except OR and ME
Hardship Deferment:
Yes
Co-signer Option:
Yes
1.86% - 6.01%
2.47% - 5.99%
1.86% - 6.01%

View Details

on ELFI's website

Overview

Variable APR:
1.86% - 6.01%
Fixed APR:
2.47% - 5.99%
Minimum Credit Score:
680
Minimum Income:
$35,000

Details

Eligible Loans:
Private & Federal
Minimum Loan Amount:
$15,000
Loan Terms:
5, 7, 10 years
Borrower Residency:
All States
Hardship Deferment:
Yes
Co-signer Option:
Yes
1.74% - 6.15%
2.30% - 6.25%
1.74% - 6.25%

View Details

on Splash's website

Overview

Variable APR:
1.74% - 6.15%
Fixed APR:
2.30% - 6.25%
Minimum Credit Score:
660
Minimum Income:
None

Details

Eligible Loans:
Private & Federal
Minimum Loan Amount:
$5,000
Loan Terms:
5 - 20 years
Borrower Residency:
All States
Hardship Deferment:
Varies
Co-signer Option:
Yes
1.89% - 5.90%
2.50% - 6.00%
1.89% - 6.00%

View Details

on Laurel Road's website

Overview

Variable APR:
1.89% - 5.90%
Fixed APR:
2.50% - 6.00%
Minimum Credit Score:
700
Minimum Income:
None

Details

Eligible Loans:
Private & Federal
Minimum Loan Amount:
$5,000
Loan Terms:
5, 7, 10, 15, 20 years
Borrower Residency:
All States
Hardship Deferment:
Yes
Co-signer Option:
Yes

Top Picks For Private Student Loans

January 2022

Variable APR ?APR, or Annual Percentage Rate, is the price you pay to borrow money. Variable APR means that your interest rate can fluctuate over time, which can increase or decrease your monthly student loan payment. Typically, a variable-rate loan has a lower introductory rate than a fixed-loan rate loan. Variable APR includes a 0.25% discount when you enroll in autopay.
Fixed APR ?APR, or Annual Percentage Rate, is the price you pay to borrow money. Fixed APR means that your interest rate will always stay the same. Even if interest rates change, your interest rate or monthly payment will not. Fixed APR includes a 0.25% discount when you enroll in autopay.
APR
0.94% - 11.98%
2.94% - 12.99%
0.94% - 12.99%

View Details

on College Ave's website

Overview

Variable APR:
0.94% - 11.98%
Fixed APR:
2.94% - 12.99%
Loan Type:
Graduate, Undergraduate
Minimum Loan Amount:
$1,000
Loan Terms:
5, 8, 10, 15 years
Origination Fees:
No
Prepayment Fees:
No
Co-signer Option:
No

Details

  • Student loans available to graduate, bachelors and associates degrees
  • Deferment and forbearance options may be available
  • Grace period for undergraduates: 6 months
  • Grace period for graduate students: 9 months
  • Flexible student loan repayment options
0.99% - 11.33%
2.99% - 10.90%
0.99% - 11.33%

View Details

on SoFi's website

Overview

Variable APR:
0.99% - 11.33%
Fixed APR:
2.99% - 10.90%
Loan Type:
Graduate, Undergraduate
Minimum Loan Amount:
$5,000
Loan Terms:
5, 10 and 15 years
Origination Fees:
None
Prepayment Fees:
None
Co-signer Option:
Yes

Details

  • Offer college, graduate school, law school, MBA and Parent student loans
  • Flexible repayment options
  • No late fees
  • Autopay rate discount
  • Free perks such as career planning and job search assistance
1.13% - 11.23%
4.25% - 12.59%
1.13% - 12.59%

View Details

on LendKey's website

Overview

Variable APR:
1.13% - 11.23%
Fixed APR:
4.25% - 12.59%
Loan Type:
Graduate, Undergraduate
Minimum Loan Amount:
$5,000
Loan Terms:
10
Origination Fees:
No
Prepayment Fees:
No
Co-signer Option:
Yes

Details

  • Low rates from community lenders like credit unions and community banks
  • Get lower rates with a co-signer
  • Ability to pause payments for up to 18 months if you become unemployed
  • May consider your academic credentials to help you get a lower rate
  • If you repay 10% of your loan before your loan enters full repayment period, 1.0% APR is dropped from your current interest rate
1.64% - 6.83%
2.25% - 6.92%
1.64% - 6.92%

View Details

on Laurel Road's website

Overview

Variable APR:
1.64% - 6.83%
Fixed APR:
2.25% - 6.92%
Loan Type:
Graduate, Undergraduate
Minimum Loan Amount:
$5,000
Loan Terms:
5, 7, 10, 15, 20 years
Origination Fees:
No
Prepayment Fees:
No
Co-signer Option:
Yes

Details

  • Student loans available to graduate, undergraduate and associates degrees
  • Law school, business school, medical school, dentistry school available at select schools
  • Flexible student loan repayment options
  • Forbearance up to 1 year available
1.47% - 11.31%
3.28% - 13.02%
1.47% - 13.02%

View Details

on Ascent's website

Overview

Variable APR:
1.47% - 11.31%
Fixed APR:
3.28% - 13.02%
Loan Type:
Graduate, Undergraduate
Minimum Loan Amount:
$1,000
Loan Terms:
5, 7, 10, 12, 15, 20 years
Origination Fees:
No
Prepayment Fees:
No
Co-signer Option:
Yes

Details

  • Student loan repayment while in school
  • 1% cash back on student loan principal at graduation
  • Co-signer release after 24 consecutive payments
  • Financial hardship forbearance available
  • No minimum income or credit score
  • Apply with or without a co-signer

Top Picks For Personal Loans

January 2022

APR ?APR, or Annual Percentage Rate, is the price you pay to borrow money. Variable APR means that your interest can fluctuate over time, which can increase or decrease your monthly payment. Fixed APR means that your interest will always stay the same. Even if interest rates change, your interest rate or monthly payment will not. APR includes a 0.25% discount when you enroll in autopay.
4.99% - 19.63%

View Details

on SoFi's website

Overview

Minimum Credit Score:
680
Minimum Loan Amount:
$5,000 ($10,000 in CA)
Maximum Loan Amount:
$100,000
Loan Terms:
2 – 7 years
Minimum Income:
None

Details

Origination Fees:
No
Late Fees:
No
Prepayment Penalty:
No
Soft Credit Check:
Yes
5.99% - 29.99%

View Details

on Best Egg's website

Overview

Minimum Credit Score:
600
Minimum Loan Amount:
$2,000
Maximum Loan Amount:
$50,000
Loan Terms:
3, 5 years
Minimum Income:
$35,000

Details

Origination Fees:
0.99% – 5.99%
Late Fees:
$15 (3 day grace period)
Prepayment Penalty:
No
Soft Credit Check:
Yes
4.98% - 19.99%

View Details

on LightStream's website

Overview

Minimum Credit Score:
660
Minimum Loan Amount:
$5,000
Maximum Loan Amount:
$100,000
Loan Terms:
2 - 7 years
Minimum Income:
N/A

Details

Origination Fees:
No
Late Fees:
No
Prepayment Penalty:
No
Soft Credit Check:
No
7.00% - 24.75%

View Details

on Laurel Road's website

Overview

Minimum Credit Score:
660
Minimum Loan Amount:
$1,000
Maximum Loan Amount:
$45,000
Loan Terms:
3, 4, 5 years
Minimum Income:
No

Details

Origination Fees:
No
Late Fees:
No
Prepayment Penalty:
No
Soft Credit Check:
Yes
6.94% - 35.97%

View Details

on Upgrade's website

Overview

Minimum Credit Score:
620
Minimum Loan Amount:
$1,000
Maximum Loan Amount:
$35,000
Loan Terms:
3, 5 years
Minimum Income:
None, but must have at least $1,000 per month of free cash flow

Details

Origination Fees:
1% – 6%
Late Fees:
$10 after 15-day grace period
Prepayment Penalty:
No
Soft Credit Check:
Yes

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Popular Questions

What is Mentor?

Mentor is an online financial marketplace where you can shop for loans and credit cards from anywhere. Whether you’re paying off student loans, finding a new credit card, funding your education, or managing debt, we help you compare rates and top lenders quickly so you can save time and money. We help consumers make smarter decisions through actionable advice, educational tools, dynamic calculators, and insightful reviews.

You comparison shop for flights and hotels. Why not do the same for your loans and credit cards?

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Everything on our site is 100% free. Mentor does not charge you any fees. All the tools, calculators, guides, reviews, resources and financial content is completely free for you.

Lender Fees

If you choose to proceed with a loan or credit card through Mentor, we do not charge you any fees. Our lender or credit card issuer partners may or may not charge fees once you close on the loan or credit card as follows:

Student Loan Refinancing: no origination, prepayment or service fees.
Private Student Loans: no origination, prepayment or service fees.
Personal Loans: some lenders may charge an origination fee, which is disclosed.
Credit Cards: some credit cards may have an annual fee.
Home Loans: lenders charge fees for a home loan.
Mortgage Refinancing: lenders charge fees for a mortgage refinancing.

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Does checking my rate impact my credit score?

No. Checking your rate will not impact your credit score. This is called a "soft credit check," and many lenders will show you a new interest rate within 2-3 minutes with no impact to your credit score. This is especially helpful for a student loan, student loan refinancing or a personal loan, for example. If you're happy with your new rate, you can complete an application. You can check your rate with multiple lenders, since a soft credit check with multiple lenders within a short time frame won't impact your credit score. If you decide to apply for a loan, the lender will conduct a hard credit inquiry, which will impact your credit score. Applying to multiple lenders for student loan refinancing, for example, in a short time frame typically doesn’t affect most credit scores. This is because multiple hard credit inquiries are generally counted as one inquiry. This allows you to find the best lender and loan terms for you.

How do I refinance my loan or apply for a new loan?

With Mentor, it's easy to compare rates and lenders quickly.

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When refinancing or applying for a loan or credit card:

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  3. Apply online
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