studentloanhero.com Open in urlscan Pro
104.18.25.91  Public Scan

Form analysis
0 forms found in the DOM

Text Content

Skip to Main Content

Please enable javascript to view this site.

Main Menu
Open mobile menu
 * Refinance Student Loans
 * Private Student Loans
 * Other Products
   * Personal Loans
   * Bad Credit Personal Loans
   * Side Hustle
 * Calculators
   * Student Loan Payoff Calculator
   * Student Loan Refinancing Calculator
   * Public Service Loan Forgiveness Calculator
   * Income-Based Repayment Calculator
   * Student Loan Repayment Calculator
   * Deferment Calculator
   * Interest Deduction Calculator

Questions?
 * Refinance Student Loans
 * Private Student Loans
 * Calculators
 * Other Products

 * Refinancing
 * Repayment
 * Forgiveness
 * Parent Loans

--------------------------------------------------------------------------------

Featured Resource

9 Best Lenders to Refinance and Consolidate Student Loans in 2022 Save Money Now


READY TO PAY OFF YOUR STUDENT LOANS? WE THOUGHT SO.



REFINANCE STUDENT LOANS

If you want to adjust your monthly payment and try for a lower interest rate,
consider refinancing your student loans.

today’s rates - Refinance Student Loans

PRIVATE STUDENT LOANS

If you weren’t offered enough federal financial aid to pay for school, here are
some great options for private student loans.

today’s rates - Private Student Loans

PARENT PLUS LOANS

If your child is headed to college but didn’t get enough aid to cover costs, you
can step in. Here’s how to do it.

Learn more - Parent PLUS Loans

PERSONAL LOANS

Education isn’t the only big cost. If you’re looking for a personal loan, here
are some options to review.

See offers - Personal Loans


Featured in






TODAY’S PRIVATE AND LOAN RATES

How Student Loan Hero Gets Paid

HOW STUDENT LOAN HERO GETS PAID

Student Loan Hero is compensated by companies on this site and this compensation
may impact how and where offers appear on this site (such as the order). Student
Loan Hero does not include all lenders, savings products, or loan options
available in the marketplace.

Advertiser Disclosure

STUDENT LOAN HERO ADVERTISER DISCLOSURE

Student Loan Hero is an advertising-supported comparison service. The site
features products from our partners as well as institutions which are not
advertising partners. While we make an effort to include the best deals
available to the general public, we make no warranty that such information
represents all available products.

 * Private Loan Rates
 * Student Refinance Rates
 * Personal Loan Rates

Today’s Private and Loan Rates
Private Loan Rates

LenderFixed APR
Variable APR
Eligible Loans 
Lender Disclosures - College Ave


COLLEGE AVE DISCLOSURES



College Ave Student Loans products are made available through Firstrust Bank,
member FDIC, First Citizens Community 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.

Rates shown are for the College Ave Undergraduate Loan product and include
autopay discount. The 0.25% auto-pay interest rate reduction applies as long as
a valid bank account is designated for required monthly payments. Variable rates
may increase after consummation.
 
This informational repayment example uses typical loan terms for a freshman
borrower who selects the Deferred Repayment Option with a 10-year repayment
term, has a $10,000 loan that is disbursed in one disbursement and a 8.35% fixed
Annual Percentage Rate (“APR”): 120 monthly payments of $179.18 while in the
repayment period, for a total amount of payments of $21,501.54. Loans will never
have a full principal and interest monthly payment of less than $50. Your actual
rates and repayment terms may vary. This informational repayment example uses
typical loan terms for a first year graduate student borrower who selects the
Deferred Repayment Option with a 10-year repayment term, has a $10,000 loan that
is disbursed in one disbursement and a 7.10% fixed Annual Percentage Rate
(“APR”): 120 monthly payments of $141.66 while in the repayment period, for a
total amount of payments of $16,699.21. Loans will never have a full principal
and interest monthly payment of less than $50. Your actual rates and repayment
terms may vary.

Information advertised valid as of 12/1/2022. Variable interest rates may
increase after consummation. Approved interest rate will depend on the
creditworthiness of the applicant(s), lowest advertised rates only available to
the most creditworthy applicants and require selection of full principal and
interest payments with the shortest available loan term.

3.99% - 14.96%
3.99% - 14.86%
Private & Federal

VISIT LENDER - College Ave


Lender Disclosures - Earnest


EARNEST DISCLOSURES



Interest Rate Disclosure: Actual rate and available repayment terms will vary
based on your income. Fixed rates range from 4.24% APR to 13.03% APR (excludes
0.25% Auto Pay discount). Variable rates range from 3.83% APR to 12.53% APR
(excludes 0.25% Auto Pay discount). Earnest variable interest rate student loans
are based on a publicly available index, the 30-day Average Secured Overnight
Financing Rate (SOFR) published by the Federal Reserve Bank of New York. The
variable rate is based on the rate published on the 25th day, or the next
business day, of the preceding calendar month, rounded to the nearest hundredth
of a percent. The rate will not increase more than once per month. Although the
rate will vary after you are approved, it will never exceed 36% (the maximum
allowable for this loan). Please note, Earnest Private Student Loans are not
available in Nevada. Our lowest rates are only available for our most credit
qualified borrowers and contain our .25% auto pay discount from a checking or
savings account. It is important to note that the 0.25% Auto Pay discount is not
available while loan payments are deferred.

Auto Pay Disclosure: You can take advantage of the Auto Pay interest rate
reduction by setting up and maintaining active and automatic ACH withdrawal of
your loan payment from a checking or savings account. The interest rate
reduction for Auto Pay will be available only while your loan is enrolled in
Auto Pay. Interest rate incentives for utilizing Auto Pay may not be combined
with certain private student loan repayment programs that also offer an interest
rate reduction. For multi-party loans, only one party may enroll in Auto Pay. It
is important to note that the 0.25% Auto Pay discount is not available while
loan payments are deferred.

Loan Cost Examples: Earnest’s Loan Cost Examples: These examples provide
estimates based on principal and Interest payments beginning immediately upon
loan disbursement. Variable APR: A $10,000 loan with a 15-year term (180 monthly
payments of $118.28) and a 11.69% APR would result in a total estimated payment
amount of $21,290.40. For a variable loan, after your starting rate is set, your
rate will then vary with the market. Fixed APR: A $10,000 loan with a 15-year
term (180 monthly payments of $126.82) and a 13.03% APR would result in a total
estimated payment amount of $22,827.79.

These examples provide estimates based on interest only payments while in
school. Variable APR: A $10,000 loan with a 15-year term (180 monthly payments
of $145.41) and a 11.69% APR would result in a total estimated payment amount of
$26,173.03. For a variable loan, after your starting rate is set, your rate will
then vary with the market. Fixed APR: A $10,000 loan with a 15-year term (180
monthly payments of $156.59) and a 13.03% APR would result in a total estimated
payment amount of $28,186.67. Your actual repayment terms may vary. Other
repayment options are available.

These examples provide estimates based on fixed $25 payments while in school.
Variable APR: A $10,000 loan with a 15-year term (180 monthly payments of
$169.92) and a 11.69% APR would result in a total estimated payment amount of
$30,584.74. For a variable loan, after your starting rate is set, your rate will
then vary with the market. Fixed APR: A $10,000 loan with a 15-year term (180
monthly payments of $188.42) and a 13.03% APR would result in a total estimated
payment amount of $33,915.55. Your actual repayment terms may vary. Other
repayment options are available.

These examples provide estimates based on deferred payments. Variable APR: A
$10,000 loan with a 15-year term (180 monthly payments of $174.79) and a 11.69%
APR would result in a total estimated payment amount of $31,462.16. For a
variable loan, after your starting rate is set, your rate will then vary with
the market. Fixed APR: A $10,000 loan with a 15-year term (180 monthly payments
of $193.75) and a 13.03% APR would result in a total estimated payment amount of
$34,874.28. Your actual repayment terms may vary. Other repayment options are
available. It is important to note that the 0.25% Auto Pay discount is not
available while loan payments are deferred.

Loan Eligibility criteria: Eligible students must: 1) For college Freshmen,
Sophomores and Juniors, attend, or be enrolled to attend, a Title IV school
full-time. For college Seniors and Graduate students, attend, or be enrolled to
attend, a Title IV school at least half-time; and 2) be pursuing a Bachelor’s or
Graduate degree. Earnest private student loans are subject to credit
qualification, completion of a loan application, verification of application
information, self-certification of loan amount, and school certification.

Before applying for private student loans, it’s best to maximize your other
sources of financial aid first. It’s recommended to use a 3-step approach to
assembling the funds you need: 1) Look for funds you don’t have to pay back,
like scholarships, grant and work-study opportunities. 2) Next, fill out a
FAFSA® form to apply for federal student loans. Federal student loans do not
require a credit check or cosigner, and offer various protections if you’re
struggling with payments. 3) Finally, consider a private student loan to cover
any difference between your total cost of attendance and the amount not covered
in steps 1 and 2. For more information, visit the Department of Education
website at https://studentaid.ed.gov.

Earnest Private Student Loans are made by One American Bank, Member FDIC. One
American Bank, 515 S. Minnesota Ave, Sioux Falls, SD 57104.

Earnest loans are serviced by Earnest Operations LLC, 535 Mission St., Suite
1663 San Francisco, CA 94105, NMLS #1204917, with support From Navient
Solutions, LLC (NMLS #212430). One American Bank and Earnest LLC and its
subsidiaries, including Earnest Operations LLC, are not sponsored by agencies of
the United States of America.

© 2022 Earnest LLC. All rights reserved.

LendingTree and associated sites by LendingTree may receive compensation from
Earnest.

3.99% - 12.78%
3.58% - 12.28%
Private & Federal

VISIT LENDER - Earnest


Lender Disclosures - Sofi


SOFI DISCLOSURES



UNDERGRADUATE LOANS: Fixed rates from 4.99% to 14.75% annual percentage rate
(“APR”) (with autopay), variable rates from 4.49% to 13.82% APR (with autopay).
GRADUATE LOANS: Fixed rates from 5.25% to 14.48% APR (with autopay), variable
rates from 4.99% to 13.82% APR (with autopay). PARENT LOANS: Fixed rates from
6.50% to 14.83% APR (with autopay), variable rates from 5.74% to 13.88% APR
(with autopay). For the SoFi variable-rate product, the variable interest rate
for a given month is derived by adding a margin to the 30-day average SOFR
index, published two business days preceding such calendar month, rounded up to
the nearest one hundredth of one percent (0.01% or 0.0001). APRs for
variable-rate loans may increase after origination if the SOFR index increases.
Interest rates for variable rate loans are capped at 13.95%, unless required to
be lower to comply with applicable law. Lowest rates are reserved for the most
creditworthy borrowers. If approved for a loan, the interest rate offered will
depend on your creditworthiness, the repayment option you select, the term and
amount of the loan and other factors, and will be within the ranges of rates
listed above. The 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. Information current as of 11/14/2022.

4.99% - 14.75%
4.49% - 13.82%
Private & Federal

VISIT LENDER - Sofi


Lender Disclosures - Sallie Mae


SALLIE MAE DISCLOSURES



Borrow Responsibly

We encourage students and families to start with savings, grants, scholarships,
and federal student loans to pay for college. Students and families should
evaluate all anticipated monthly loan payments, and how much the student expects
to earn in the future, before considering a private student loan

Loans for Undergraduate & Career Training Students are not intended for graduate
students and are subject to credit approval, identity verification, signed loan
documents, and school certification. Student must attend a participating school.
Student or cosigner must meet the age of majority in their state of residence.
Students who are not U.S. citizens or U.S. permanent residents must reside in
the U.S., attend school in the U.S., apply with a creditworthy cosigner (who
must be a U.S. citizen or U.S. permanent resident), and provide an unexpired
government-issued photo ID. Requested loan amount must be at least $1,000.

 1. Advertised APRs for career training students assume a $10,000 loan to a
    student who attends school for 2 years and has no prior Sallie Mae-serviced
    loans. Interest rates for variable rate loans may increase or decrease over
    the life of the loan based on changes to the 30-day Average Secured
    Overnight Financing Rate (SOFR) rounded up to the nearest one-eighth of one
    percent. Advertised variable rates are the starting range of rates and may
    vary outside of that range over the life of the loan. Interest is charged
    starting when funds are sent to the school. With the Fixed and Deferred
    Repayment Options, the interest rate is higher than with the Interest
    Repayment Option and Unpaid Interest is added to the loan’s Current
    Principal at the end of the grace/separation period. To receive a 0.25
    percentage point interest rate discount, the borrower or cosigner must
    enroll in auto debit through Sallie Mae. The discount applies only during
    active repayment for as long as the Current Amount Due or Designated Amount
    is successfully withdrawn from the authorized bank account each month. It
    may be suspended during forbearance or deferment.
 2. In 2021, instant credit decisions were provided to 97% of applicants. Other
    applications typically received credit decisions in 3 to 5 business days.
 3. Although we do not charge a penalty or fee if you prepay your loan, any
    prepayment will be applied as outlined in your promissory note-first to
    Unpaid Fees and costs, then to Unpaid Interest, and then to Current
    Principal.
 4. Loan amount cannot exceed the cost of attendance less financial aid
    received, as certified by the school. Sallie Mae reserves the right to
    approve a lower loan amount than the school-certified amount. Miscellaneous
    personal expenses (such as a laptop) may be included in the cost of
    attendance for students enrolled at least half-time.
 5. Based on a comparison of approval rates for Sallie Mae Smart Option Student
    Loans for undergraduate students who applied with a cosigner versus without
    a cosigner during a rolling 12-month period from October 1, 2020 through
    September 30, 2021.

SALLIE MAE RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS, SERVICES, AND
BENEFITS AT ANY TIME WITHOUT NOTICE.
Information valid as of 11/25/2022

Smart Option Student Loans® are made by Sallie Mae Bank. Sallie Mae, the Sallie
Mae logo, and other Sallie Mae names and logos are service marks or registered
service marks of Sallie Mae Bank. All other names and logos used are the
trademarks or service marks of their respective owners.

©2022 Sallie Mae Bank. All rights reserved. SLM Corporation and its
subsidiaries, including Sallie Mae Bank, are not sponsored by or agencies of the
United States of America.

4.50% - 14.83%
4.62% - 14.96%
Private & Federal

VISIT LENDER - Sallie Mae

--------------------------------------------------------------------------------

Today’s Refinance and Loan Rates
Student Refinance Rates

Lender
Variable APR
Terms (Years)Eligible Loans 
Lender Disclosures - Splash Financial


SPLASH FINANCIAL DISCLOSURES



Terms and Conditions apply. Splash reserves the right to modify or discontinue
products and benefits at any time without notice. Products may not be available
in all states. Rates and terms are subject to change at any point prior to
application submission. The information you provide is an inquiry to determine
whether Splash’s lending partners can make you a loan offer. To qualify, a
borrower must be a U.S. citizen or other eligible status and meet lender
underwriting requirements. Lowest rates are reserved for the highest qualified
borrowers and may require an autopay discount of 0.25%. Splash does not
guarantee that you will receive any loan offers or that your loan application
will be approved. If approved, your actual rate will be within a range of rates
and will depend on a variety of factors, including term of loan,
creditworthiness, income and other factors. This information is current as of
November 1, 2022. You should review the benefits of your federal student loan;
it may offer specific benefits that a private refinance/consolidation loan may
not offer. If you work in the public sector, are in the military or taking
advantage of a federal department of relief program, such as income-based
repayment or public service forgiveness, you may not want to refinance, as these
benefits do not transfer to private refinance/consolidation loans.

Fixed APR: Annual Percentage Rate (APR) is the cost of credit calculating the
interest rate, loan amount, repayment term and the timing of payments. Fixed
rate options range from 4.64% (without autopay) to 9.24% (without autopay) and
will vary based on application terms, level of degree and presence of a
co-signer.

Variable APR: Annual Percentage Rate (APR) is the cost of credit calculating the
interest rate, loan amount, repayment term and the timing of payments. Variable
rate options range from 2.75% (without autopay) to 9.24% (without autopay) and
will vary based on application terms, level of degree and presence of a
co-signer. Variable rates are derived by adding a margin to the 30-day average
SOFR index, published two business days preceding such calendar month, rounded
up to the nearest one hundredth of one percent (0.01% or 0.0001).

Payment Disclosure: Fixed loans feature repayment terms of 5 to 20 years. For
example, the monthly payment for a sample $10,000 with an APR of 5.47% for a
12-year term would be $94.86. Variable loans feature repayment terms of 5 to 25
years. For example, the monthly payment for a sample $10,000 with an APR of
5.90% for a 15-year term would be $83.85.

Residency and fellowship loans: Terms and conditions apply. Borrowers employed
full time as an intern, resident, fellow, or similar postgraduate trainee at the
time of loan disbursement are eligible to make $100 monthly payments throughout
their training (“Residency Period”). The maximum amount of time they can pay
$100 per month is 84 months. Residency and fellowship loans have a fixed
interest rate that ranges from 5.90% APR to 7.00% APR (with autopay) or a
variable rate that ranges from 5.80% to 6.91% APR (with autopay), a loan term of
up to 240 months, inclusive of an optional 84-month deferment period during
residency or fellowship and provide the option to either immediately repay the
principal and interest or to defer repayment. The APR range shown assumes the
APR, monthly payment and total payments that would apply to a loan that is made
at the end of the residency period in a single disbursement. For example, a
refinance loan with a fixed 6.13% APR on a $100,000 principal balance, assume
that borrower will make $100 monthly payments during the Residency Period of 36
months before the full repayment term begins, will have a 5-year repayment term
after training is complete with payments of $2,253.06 per month, resulting in
$138,783.53 of total payments. Borrowers that have recently applied directly
with this lending partner are not eligible for this offer through Splash.

See additional disclaimers at: https://www.splashfinancial.com/disclaimers/

Splash Financial, Inc. (NMLS #1630038), licensed by the DFPI under California
Financing Law, license # 60DBO-102545

2.50% - 8.99%
5 to 25Private & Federal

VISIT LENDER - Splash Financial


Lender Disclosures - Laurel Road


LAUREL ROAD DISCLOSURES



All credit products are subject to credit approval.

Laurel Road began originating student loans in 2013 and has since helped
thousands of professionals with undergraduate and postgraduate degrees
consolidate and refinance more than $9 billion in federal and private school
loans. Laurel Road also offers a suite of online graduate school loan products
and personal loans that help simplify lending through customized technology and
personalized service. In April 2019, Laurel Road was acquired by KeyBank, one of
the nation’s largest bank-based financial services companies. Laurel Road is a
brand of KeyBank National Association offering online lending products in all 50
U.S. states, Washington, D.C., and Puerto Rico. All loans are provided by
KeyBank National Association, a nationally chartered bank. Member FDIC. For more
information, visit www.laurelroad.com.

As used throughout these Terms & Conditions, the term “Lender” refers to KeyBank
National Association and its affiliates, agents, guaranty insurers, investors,
assigns, and successors in interest.

 1. Checking your rate with Laurel Road only requires a soft credit pull, which
    will not affect your credit score. To proceed with an application, a hard
    credit pull will be required, which may affect your credit score.

    

 2. Savings vary based on rate and term of your existing and refinanced loan(s).
    Refinancing to a longer term may lower your monthly payments, but may also
    increase the total interest paid over the life of the loan. Refinancing to a
    shorter term may increase your monthly payments, but may lower the total
    interest paid over the life of the loan. Review your loan documentation for
    total cost of your refinanced loan.

    

 3. 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. During any
    period of forbearance interest will continue to accrue. At the end of the
    forbearance period, any unpaid accrued interest will be capitalized and be
    added to the remaining principle amount of the loan.

    

 4. Automatic Payment (“AutoPay”) Discount: if the borrower chooses to make
    monthly payments automatically from a bank account, the interest rate will
    decrease by 0.25% and will increase back if the borrower stops making (or we
    stop accepting) monthly payments automatically from the borrower’s bank
    account. The 0.25% AutoPay discount will not reduce the monthly payment;
    instead, the discount is applied to the principal to help pay the loan down
    faster.

Assumptions: Repayment examples above assume a loan amount of $10,000 with
repayment beginning immediately following disbursement. Repayment examples do
not include the 0.25% AutoPay Discount.

Annual Percentage Rate (“APR”): This term represents the actual cost of
financing to the borrower over the life of the loan expressed as a yearly rate.

Interest Rate: A simple annual rate that is applied to an unpaid balance.

Variable Rates: The current index for variable rate loans is derived from the
30-day Average Secured Overnight Financing Rate (“SOFR”) and changes in the SOFR
index may cause your monthly payment to increase. Borrowers who take out a term
of 5, 7, or 10 years will have a maximum interest rate of 9%, those who take out
a 15 or 20-year variable loan will have a maximum interest rate of 10%. There is
no limit on the amount your interest rate can increase at one time. The Index is
currently published by the Federal Reserve Bank of New York (“New York Fed”). If
the Index is no longer available, it will be replaced by a replacement Index
according to the terms of the promissory note.

KEYBANK NATIONAL ASSOCIATION RESERVES THE RIGHT TO MODIFY OR DISCONTINUE
PRODUCTS AND BENEFITS AT ANY TIME WITHOUT NOTICE.

This information is current as of October 31, 2022. Information and rates are
subject to change without notice.

2.50% - 6.80%
5, 7, 10, 15, 20Private & Federal

VISIT LENDER - Laurel Road


Lender Disclosures - LendKey


LENDKEY DISCLOSURES



Refinancing via LendKey.com is only available for applicants with qualified
private education loans from an eligible institution. Loans that were used for
exam preparation classes, including, but not limited to, loans for LSAT, MCAT,
GMAT, and GRE preparation, are not eligible for refinancing with a lender via
LendKey.com. If you currently have any of these exam preparation loans, you
should not include them in an application to refinance your student loans on
this website. Applicants must be either U.S. citizens or Permanent Residents in
an eligible state to qualify for a loan. Certain membership requirements
(including the opening of a share account and any applicable association fees in
connection with membership) may apply in the event that an applicant wishes to
accept a loan offer from a credit union lender. Lenders participating on
LendKey.com reserve the right to modify or discontinue the products, terms, and
benefits offered on this website at any time without notice. LendKey
Technologies, Inc. is not affiliated with, nor does it  endorse,  any
educational institution.

Subject to floor rate and may require the automatic payments be made from a
checking or savings account with the lender. The rate reduction will be removed
and the rate will be increased by 0.25% upon any cancellation or failed
collection attempt of the automatic payment and will be suspended during any
period of deferment or forbearance. As a result, during the forbearance or
suspension period, and/or if the automatic payment is canceled, any increase
will take the form of higher payments. The lowest advertised variable APR is
only available for loan terms of  5 years and is reserved for applicants with
FICO scores of at least 810.

As of 10/26/2022 student loan refinancing rates range from 2.81% APR – 7.21%APR
Variable APR with AutoPay and 3.99% APR – 10.68 APR% Fixed APR with AutoPay.

2.81% - 7.21%
5, 7, 10, 15, 20Private & Federal

VISIT LENDER - LendKey


Lender Disclosures - Earnest


EARNEST DISCLOSURES



You can choose between fixed and variable rates. Fixed interest rates are 3.99%
– 8.74% APR (3.74% – 8.49% APR with Auto Pay discount). Starting variable
interest rates are 2.74% APR to 8.24% APR (2.49% – 7.99% APR with Auto Pay
discount). Variable rates are based on an index, the 30-day Average Secured
Overnight Financing Rate (SOFR) plus a margin. Variable rates are reset monthly
based on the fluctuation of the index. We do not currently offer variable rate
loans in AK, CO, CT, HI, IL, KY, MA, MN, MS, NH, OH, OK, SC, TN, TX, and VA.

2.49% - 7.99%
5 to 20Private & Federal

VISIT LENDER - Earnest

--------------------------------------------------------------------------------

Today’s Personal and Loan Rates
Personal Loan Rates

LenderAPR RangeMinimum Credit ScoreTerms (Years) 
Lender Disclosures - SoFi


SOFI DISCLOSURES



Fixed rates from 7.99% APR to 23.43% APR APR reflect the 0.25% autopay discount
and a 0.25% direct deposit discount. SoFi rate ranges are current as of 8/22/22
and are subject to change without notice. Not all rates and amounts available in
all states. See Personal Loan eligibility details. Not all applicants qualify
for the lowest rate. Lowest rates reserved for the most creditworthy borrowers.
Your actual rate will be within the range of rates listed above and will depend
on a variety of factors, including evaluation of your credit worthiness, income,
and other factors. See APR examples and terms. The 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.

7.99% - 23.43%
6802, 3, 4, 5, 6, 7

VISIT LENDER - SoFi


Lender Disclosures - Upstart


UPSTART DISCLOSURES



The full range of available rates varies by state. The average 3-year loan
offered across all lenders using the Upstart platform will have an APR of 21.97%
and 36 monthly payments of $35 per $1,000 borrowed. For example, the total cost
of a $10,000 loan would be $12,646 including a $626 origination fee. APR is
calculated based on 3-year rates offered in the last 1 month. There is no down
payment and no prepayment penalty. Your APR will be determined based on your
credit, income, and certain other information provided in your loan application.
Not all applicants will be approved.

4.37% - 35.99%
6003 to 5

VISIT LENDER - Upstart


Lender Disclosures - Upgrade


UPGRADE DISCLOSURES



Personal loans made through Upgrade feature Annual Percentage Rates (APRs) of
7.46%-35.97%. All personal loans have a 1.85% to 8.99% origination fee, which is
deducted from the loan proceeds. Lowest rates require Autopay and paying off a
portion of existing debt directly. Loans feature repayment terms of 24 to 84
months. For example, if you receive a $10,000 loan with a 36-month term and a
17.59% APR (which includes a 13.94% yearly interest rate and a 5% one-time
origination fee), you would receive $9,500 in your account and would have a
required monthly payment of $341.48. Over the life of the loan, your payments
would total $12,293.46. The APR on your loan may be higher or lower and your
loan offers may not have multiple term lengths available. Actual rate depends on
credit score, credit usage history, loan term, and other factors. Late payments
or subsequent charges and fees may increase the cost of your fixed rate loan.
There is no fee or penalty for repaying a loan early.

7.46% - 35.97%
6003 or 5

VISIT LENDER - Upgrade


Lender Disclosures - OppLoans


OPPLOANS DISCLOSURES



Direct Deposit required for payroll.

Opploans currently operates in these states: . *Approval may take longer if
additional verification documents are requested. Not all loan requests are
approved. Approval and loan terms vary based on credit determination and state
law. Applications processed and approved before 7:30 p.m. ET Monday-Friday are
typically funded the next business day.

 1. To qualify, a borrower must (i) be a U.S. citizen or permanent resident;
    (ii) reside in a state where OppLoans operates; (iii) have direct deposit;
    (iv) meet income requirements; (v) be 18 years of age (19 in Alabama); and,
    (vi) meet verification standards.

 2. NV Residents: The use of high-interest loans services should be used for
    short-term financial needs only and not as a long-term financial solution.
    Customers with credit difficulties should seek credit counseling before
    entering into any loan transaction.

 3. OppLoans performs no credit checks through the three major credit bureaus
    Experian, Equifax, or TransUnion. Applicants’ credit scores are provided by
    Clarity Services, Inc., a credit reporting agency.

 4. Based on customer service ratings on Google and Facebook. Testimonials
    reflect the individual’s opinion and may not be illustrative of all
    individual experiences with OppLoans. Check loan reviews.

 5. Rates and terms vary by state.

99.00% - 199.00%
Not specifiedUp to 36

VISIT LENDER - OppLoans

--------------------------------------------------------------------------------


STUDENT LOAN HERO RESEARCH


$200-$299/MO

Average student loan payment


44.7 MILLION

Americans with student loan debt


44.7 MILLION

Americans with student loan debt




$200-$299/MO

Average student loan payment


BOOST YOUR SAVINGS WITH OUR CALCULATORS


STUDENT LOAN REFINANCING
CALCULATOR

See what you could be saving.

calculate savings - Student Loan Refinancing Calculator


POPULAR CALCULATORS

Student Loan Prepayment Calculator

Student Loan Payment Calculator

Personal Loan Calculator




REFINANCING YOUR STUDENT LOANS

The Best Lenders to Refinance Student Loans

Essential Things to Ask Before Refinancing Your Student Loans

Should Your Refinance Your Federal Student Loans?


STUDENT LOAN TOOLS AND TIPS

Private Student and Education Loan Rates

The Ultimate Guide to Lowering Your Student Loan Payments

Where to Find Student Loans Without a Cosigner Requirement


NAVIGATING STUDENT LOAN FORGIVENESS

The Complete List of Student Loan Forgiveness Programs

Public Service Loan Forgiveness: Do You Qualify?

Your Guide to Parents PLUS Loan Foregiveness


RECENT ARTICLES AND NEWS

6 Best Banks to Refinance and Consolidate Student Loans in 2021

Everything You Need to Know About Income-Based Repayment

The Complete List of Student Loan Forgiveness Programs & Options



Whether you need a student loan tuneup or more serious makeover, learning about
your options and deciding on a strategy can set you on the path toward becoming
debt-free. - Andrew Pentis, Certified Student Loans Counselor and Loans Expert

Student Loan Hero Coronavirus Information Center




STUDENT LOAN HERO

Student Loan Hero, Inc. is helping 200,000+ borrowers manage and eliminate over
$3.5 billion dollars in student loan debt. We're on a mission to help 44 million
Americans manage their student loans smarter.


Follow us on Twitter

Like us on Facebook



RESOURCES

 * Blog
 * Student Loan Refinancing
 * Student Loan Calculators
 * Student Loan Repayment Assistance Programs
 * Student Loan Debt Statistics


PRODUCTS

 * Student Loan Refinancing
 * Private Student Loans
 * Personal Loans
 * Credit Building Tools
 * Investing


COMPANY

 * About
 * Press
 * Research
 * Support
 * Partner with Us
 * Careers



Student Loan Hero, Inc. is helping 200,000+ borrowers manage and eliminate over
$3.5 billion dollars in student loan debt. We're on a mission to help 44 million
Americans manage their student loans smarter.


Follow us on Twitter

Like us on Facebook


Disclaimers: Student Loan Hero is wholly-owned by LendingTree, a Marketing Lead
Generator and Duly Licensed Mortgage Broker with its main office located at 1415
Vantage Park Dr. Charlotte 28203, Telephone Number 866-501-2397 (TDD/TTY). NMLS
Unique Identifier #1136. You may see links to LendingTree services and sites on
our website. By visiting LendingTree’s site, you accept and agree to be bound by
LendingTree’s Terms of Use.


Product name, logo, brands, and other trademarks featured or referred to within
Student Loan Hero are the property of their respective trademark holders.
Information obtained via Student Loan Hero™ is for educational purposes only.
Please consult a licensed financial professional before making any financial
decisions. This site may be compensated through third party advertisers. This
site is not endorsed or affiliated with the U.S. Department of Education.

© Copyright 2012-2022 Student Loan Hero™, Inc., All Rights Reserved. - Legal -
Privacy - Online Tracking - Security - Terms






You are now leaving StudentLoanHero.com. The website you are about to go to is
not operated or controlled by Student Loan Hero. You understand and agree that
different terms of use and privacy policy will apply.

Ok Cancel

Opens in new window
PDF Download
Word Download
Excel Download
PowerPoint Download
Document Download

close carousel