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Last Updated: October 1, 2023

Our top pick

Citizens

Disclosures

Variable APR

7.05% - 12.40%*

Fixed APR

6.79% - 10.99%*

Repayment Options
  • Forbearance
Fees
  • No application fees
  • No prepayment penalties
  • No origination fees
  • No disbursement fees
Discounts & Benefits
Autopay discount: 0.25%
Loyalty discount: 0.25%
Loan Details
Loan amount: $10,000 - $750,000
Term lengths: 5, 7, 10, 15, 20-year

Citizens

Disclosures

Variable APR

7.05% - 12.40%*

Fixed APR

6.79% - 10.99%*

Repayment Options
  • Forbearance
Fees
  • No application fees
  • No prepayment penalties
  • No origination fees
  • No disbursement fees
Discounts & Benefits
Autopay discount: 0.25%
Loyalty discount: 0.25%
Loan Details
Loan amount: $10,000 - $750,000
Term lengths: 5, 7, 10, 15, 20-year

Citizens

Disclosures

Variable APR

7.05% - 12.40%*

Fixed APR

6.79% - 10.99%*

Repayment Options
  • Forbearance
Fees
  • No application fees
  • No prepayment penalties
  • No origination fees
  • No disbursement fees
Discounts & Benefits
Autopay discount: 0.25%
Loyalty discount: 0.25%
Loan Details
Loan amount: $10,000 - $750,000
Term lengths: 5, 7, 10, 15, 20-year

CollegeAve

Disclosures

Variable APR

5.99% - 11.99%¹

Fixed APR

5.99% - 11.99%¹

CollegeAve

Disclosures

Variable APR

5.99% - 11.99%¹

Fixed APR

5.99% - 11.99%¹

CollegeAve

Disclosures

Variable APR

5.99% - 11.99%¹

Fixed APR

5.99% - 11.99%¹

Discover

Disclosures

Variable APR

1.87% - 5.87%

Fixed APR

3.49% - 6.99%

Discover

Disclosures

Variable APR

1.87% - 5.87%

Fixed APR

3.49% - 6.99%

Discover

Disclosures

Variable APR

1.87% - 5.87%

Fixed APR

3.49% - 6.99%

Earnest

Disclosures

Variable APR

5.49% - 9.74%

Fixed APR

4.96% - 9.79%

Earnest

Disclosures

Variable APR

5.49% - 9.74%

Fixed APR

4.96% - 9.79%

Earnest

Disclosures

Variable APR

5.49% - 9.74%

Fixed APR

4.96% - 9.79%

LendKey

Disclosures

Variable APR

7.11% - 11.18%

Fixed APR

7.11% - 11.18%

LendKey

Disclosures

Variable APR

7.11% - 11.18%

Fixed APR

7.11% - 11.18%

LendKey

Disclosures

Variable APR

7.11% - 11.18%

Fixed APR

7.11% - 11.18%

Nelnet Bank

Disclosures

Variable APR

7.58% - 14.48%¹

Fixed APR

5.34% - 10.79%¹

Nelnet Bank

Disclosures

Variable APR

7.58% - 14.48%¹

Fixed APR

5.34% - 10.79%¹

Nelnet Bank

Disclosures

Variable APR

7.58% - 14.48%¹

Fixed APR

5.34% - 10.79%¹

SoFi

Disclosures

Variable APR

6.24% - 9.99%

Fixed APR

5.24% - 9.99%

SoFi

Disclosures

Variable APR

6.24% - 9.99%

Fixed APR

5.24% - 9.99%

SoFi

Disclosures

Variable APR

6.24% - 9.99%

Fixed APR

5.24% - 9.99%

Splash Financial

Disclosures

Variable APR

5.49% - 10.24%¹

Fixed APR

4.96% - 10.24%¹

Splash Financial

Disclosures

Variable APR

5.49% - 10.24%¹

Fixed APR

4.96% - 10.24%¹

Splash Financial

Disclosures

Variable APR

5.49% - 10.24%¹

Fixed APR

4.96% - 10.24%¹

MPOWER Financing

Disclosures

Variable APR

N/A

Fixed APR

12.69%*

MPOWER Financing

Disclosures

Variable APR

N/A

Fixed APR

12.69%*

MPOWER Financing

Disclosures

Variable APR

N/A

Fixed APR

12.69%*

Today’s most popular

Citizens

Disclosures

Variable APR

7.05% - 12.40%*

Fixed APR

6.79% - 10.99%*

Citizens

Disclosures

Variable APR

7.05% - 12.40%*

Fixed APR

6.79% - 10.99%*

Citizens

Disclosures

Variable APR

7.05% - 12.40%*

Fixed APR

6.79% - 10.99%*

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Stefanie Tenorio

San Jose State University

TuitionHero is a game changer! I was able to easily see all my options in one place and just pick the one that worked best. Their site is user-friendly and has a lot of helpful info.

Lissette Rodriguez

San Diego State University

I had a great experience using TuitionHero to help me get a low rate on a private student loan. I could compare lots of lenders all on the same site, which was super convenient.

Sofia Alves

Arizona State University

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Back to your rates

We save you time & money

What is refinancing?

Refinancing vs. consolidation

Do's & don'ts of refinancing

Frequently asked questions

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Loan refinancing

Loan consolidation 

Do

  • Consider your ideal monthly payment

  • Shop around for the best rates and compare multiple lenders

  • Make sure you have a strong credit score or cosigner before applying

  • Double-check that your lender has your current contact information

Don't

  • Settle on the first lender you see

  • Give personal or financial information to unfamiliar callers

  • Choose a loan with a higher interest rate than you had before

  • Refinance federal loans without considering the loss of federal benefits