 Earnest Student Loan Refinance Check rate on Earnest ‘s web site | 5.0 /5 Best for overall | 650 | 2.74-7.99 % actual rate and available refund terms will vary based on your income. Fixed rates range from 2.99 % APR to 8.24 % APR ( excludes 0.25 % Auto Pay discount ). variable rates range from 1.99 % APR to 8.24 % APR ( excludes 0.25 % Auto Pay discount ). Earnest variable interest rate scholar lend refinance 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 twenty-fifth day, or the adjacent occupation day, of the preceding calendar calendar month, rounded to the nearest one-hundredth of a percentage. The rate will not increase more than once per month. The maximum rate for your loan is 8.95 % if your lend term is 10 years or less. For loanword terms of more than 10 years to 15 years, the pastime rate will never exceed 9.95 %. For loanword terms over 15 years, the interest rate will never exceed 11.95 %. Please notice, we are not able to offer variable star rate loans in AK, IL, MN, NH, OH, TN, and TX . | 1.74-7.99 % actual pace and available repayment terms will vary based on your income. Fixed rates range from 2.99 % APR to 8.24 % APR ( excludes 0.25 % Auto Pay discount rate ). variable rates range from 1.99 % APR to 8.24 % APR ( excludes 0.25 % Auto Pay discount ). Earnest variable interest rate scholar lend refinance loans are based on a publicly available exponent, the 30-day Average Secured Overnight Financing Rate ( SOFR ) published by the Federal Reserve Bank of New York. The variable pace is based on the rate published on the twenty-fifth day, or the following business day, of the preceding calendar calendar month, rounded to the nearest one-hundredth of a percentage. The rate will not increase more than once per calendar month. The maximal rate for your loan is 8.95 % if your loan term is 10 years or less. For loan terms of more than 10 years to 15 years, the concern rate will never exceed 9.95 %. For loan terms over 15 years, the interest rate will never exceed 11.95 %. Please note, we are not able to offer variable rate loans in AK, IL, MN, NH, OH, TN, and TX . | Check rate on Earnest ‘s web site |
 CommonBond Student Loan Refinance Check rate on CommonBond ‘s web site | 5.0 /5 Best for overall | 680 | 2.98-5.79 % Offered terms are subject to change and state law restriction. Loans are offered by CommonBond Lending, LLC ( NMLS # 1175900 ), NMLS Consumer Access. If you are approved for a loan, the matter to rate offered will depend on your credit profile, your application, the loanword term selected and will be within the ranges of rates shown. All annual percentage Rates ( APRs ) displayed assume borrowers enroll in car pay and account for the 0.25 % reduction in interest rate. All variable star rates are based on a 1-month LIBOR assumption of 0.16 % effective Sep 1, 2020 and may increase after consummation . | 1.99-5.61 % Offered terms are subject to change and submit jurisprudence limitation. Loans are offered by CommonBond Lending, LLC ( NMLS # 1175900 ), NMLS Consumer Access. If you are approved for a lend, the interest pace offered will depend on your credit profile, your lotion, the lend term selected and will be within the ranges of rates shown. All annual percentage Rates ( APRs ) displayed assume borrowers enroll in car give and score for the 0.25 % reduction in interest rate. All variable rates are based on a 1-month LIBOR assumption of 0.16 % effective Sep 1, 2020 and may increase after consummation . | Check rate on CommonBond ‘s web site |
 Laurel Road Student Loan Refinance Check rate on Laurel Road ‘s web site | 5.0 /5 Best for Dental school lend refinance | 660 | 2.99-6.00 % All credit rating products are subject to citation approval. APRs shown include a 0.25 % interest rate dismiss for AutoPay. If the borrower chooses to make monthly payments mechanically by electronic fund transfer ( EFT ) from a depository financial institution account, the concern rate will decrease by 0.25 % and will increase back if the borrower stops making ( or we stop accepting ) monthly payments automatically by EFT from the borrower ’ s deposit account. The 0.25 % AutoPay/EFT Discount will not reduce the monthly payment ; alternatively, the deduction is applied to the principal to help pay the loanword down faster. KeyBank National Association reserves the right to modify or discontinue products and benefits at any time without poster . | 1.89-5.90 % All credit products are subject to credit blessing. APRs shown include a 0.25 % pastime rate rebate for AutoPay. If the borrower chooses to make monthly payments automatically by electronic store transfer ( EFT ) 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 mechanically by EFT from the borrower ’ s bank history. The 0.25 % AutoPay/EFT Discount will not reduce the monthly payment ; rather, the discount is applied to the principal to help pay the loanword down faster. variable APRs are topic to increase after consummation. 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 pastime 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 come your interest rate can increase at one clock. The Index is presently published by the Federal Reserve Bank of New York ( “ New York Fed ” ). View payment examples here. KeyBank National Association reserves the right to modify or discontinue products and benefits at any time without comment . | Check rate on Laurel Road ‘s web site |
 PenFed Student Loan Refinance Check rate on Purefy ‘s web site | 5.0 /5 Best for Veterinary school loan refinance | 670 | 3.29-5.43 % Rates and offers current as of March 11, 2022. annual percentage Rate ( APR ) is the cost of credit calculating the sake rate, loanword sum, repayment term and the clock of payments. Fixed Rates range from 3.29 % APR – 5.43 % APR. Fixed Rates will vary based on application terms, level of academic degree and presence of a co-signer. These rates are subject to extra terms and conditions and rates are capable to change at any time without notice. such changes will alone apply to applications taken after the effective date of change . | N/A | Check rate on Purefy ‘s web site |
 LendKey Student Loan Refinance Check rate on LendKey ‘s web site | 4.5 /5 Best for scholar loan refinancing with depleted income | 660 | 2.49-7.93 % See LendKey ‘s full terms and conditions at hypertext transfer protocol : //www.lendkey.com/disclaimers | 2.05-5.25 % See LendKey ‘s full terms and conditions at hypertext transfer protocol : //www.lendkey.com/disclaimers | Check rate on LendKey ‘s web site |
 SoFi Student Loan Refinance Check rate on SoFi ‘s web site | 5.0 /5 Best for scholar lend refinancing with a bank | 650 | 3.49-7.99 % Fixed rates range from 3.49 % APR to 7.99 % APR with a 0.25 % autopay deduction. variable rates from 1.74 % APR to 7.99 % APR with a 0.25 % autopay rebate. Unless required to be lower to comply with applicable police, variable star concern rates on 5-, 7-, and 10-year terms are capped at 8.95 % APR ; 15- and 20-year terms are capped at 9.95 % APR. Your actual rate will be within the range of rates listed above and will depend on the term you select, evaluation of your creditworthiness, income, bearing of a co-signer and a kind of other factors. Lowest rates reserved for the most creditworthy borrowers. For the SoFi variable-rate product, the variable interest rate for a given calendar month is derived by adding a margin to the 30-day average SOFR index, published two clientele days preceding such calendar calendar month, rounded up to the nearest one hundredth of one percentage ( 0.01 % or 0.0001 ). APRs for variable-rate loans may increase after initiation if the SOFR index increases. The SoFi 0.25 % autopay concern pace reduction requires you to agree to make monthly principal and interest payments by an automatic pistol monthly tax write-off from a savings or checking bill. This profit will discontinue and be lost for periods in which you do not pay by automatic deduction from a savings or checking account. The profit lowers your interest rate but does not change the sum of your monthly requital. This benefit is suspended during periods of postponement and patience. Autopay is not required to receive a loanword from SoFi . | 1.74-7.99 % Fixed rates range from 3.49 % APR to 7.99 % APR with a 0.25 % autopay discount. variable rates from 1.74 % APR to 7.99 % APR with a 0.25 % autopay rebate. Unless required to be lower to comply with applicable jurisprudence, variable interest rates on 5-, 7-, and 10-year terms are capped at 8.95 % APR ; 15- and 20-year terms are capped at 9.95 % APR. Your actual pace will be within the range of rates listed above and will depend on the terminus you select, evaluation of your creditworthiness, income, presence of a co-signer and a kind of other factors. Lowest rates reserved for the most creditworthy borrowers. For the SoFi variable-rate product, the variable pastime rate for a given month is derived by adding a margin to the 30-day average SOFR index, published two clientele days preceding such calendar month, rounded up to the nearest one one-hundredth of one percentage ( 0.01 % or 0.0001 ). APRs for variable-rate loans may increase after initiation if the SOFR index increases. The SoFi 0.25 % autopay matter to rate reduction requires you to agree to make monthly principal and interest payments by an automatic monthly tax write-off from a savings or checking explanation. This benefit will discontinue and be lost for periods in which you do not pay by automatic pistol deduction from a savings or checking account. The benefit lowers your concern rate but does not change the measure of your monthly payment. This benefit is suspended during periods of postponement and patience. Autopay is not required to receive a loan from SoFi. | Check rate on SoFi ‘s web site |
