HousingToday

Credit score Rating Wanted to Refinance Pupil Loans


Credible Rating

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Credible lender scores are evaluated by our editorial workforce with the assistance of our mortgage operations workforce. The ranking standards for lenders embody 78 knowledge factors spanning rates of interest, mortgage phrases, eligibility requirement transparency, reimbursement choices, charges, reductions, customer support, cosigner choices, and extra. Read our full methodology.


4.54%+
N/A 10, 15, 20 $7,500 as much as $200,000
(bigger balances require particular approval) Sure, after 36 months
  • Mounted APR:

    4.54%+
  • Variable APR:
    N/A
  • Min. credit score rating:
    Doesn’t disclose
  • Mortgage quantity:
    $7,500 as much as $500,000
  • Mortgage phrases (years):
    10, 15, 20
  • Max. undergraduate mortgage steadiness:
    $250,000 – $500,000
  • Time to fund:
    4 months
  • Reimbursement choices:
    Rapid reimbursement, forbearance, loans discharged upon loss of life or incapacity
  • Charges:
    None
  • Reductions:
    Autopay
  • Eligibility:
    Should be a resident of Kentucky
  • Customer support:
    Telephone
  • Delicate credit score test:
    No
  • Cosigner launch:
    After 36 months
  • Mortgage servicer:
    Kentucky Greater Training Pupil Mortgage Company
  • Max. graduate mortgage steadiness:
    $250,000 – $500,000
  • Credible Evaluation:
    Advantage Education Loan review
  • Presents Guardian PLUS Refinancing :
    Sure


Credible Rating

icon help dark

Credible lender scores are evaluated by our editorial workforce with the assistance of our mortgage operations workforce. The ranking standards for lenders embody 78 knowledge factors spanning rates of interest, mortgage phrases, eligibility requirement transparency, reimbursement choices, charges, reductions, customer support, cosigner choices, and extra. Read our full methodology.


2.15%+

1.87%+
5, 7, 10, 15, 20 $10,000 as much as $250,000
(relying on diploma) No
  • Mounted APR:

    2.15%+
  • Variable APR:
    N/A
  • Min. credit score rating:
    Doesn’t disclose
  • Mortgage quantity:
    $10,000 to $400,000
  • Mortgage phrases (years):
    5, 7, 10, 15, 20
  • Reimbursement choices:
    Navy deferment, forbearance
  • Charges:
    Late price
  • Reductions:
    Autopay
  • Eligibility:
    Should have a credit score rating of no less than 720, a minimal earnings of $60,000, and should be a resident of Texas
  • Customer support:
    Electronic mail, cellphone
  • Delicate credit score test:
    Doesn’t disclose
  • Cosigner launch:
    No
  • Mortgage servicer:
    Firstmark Providers
  • Max. Undergraduate Mortgage Steadiness:
    $100,000 – $149,000
  • Max. Graduate Mortgage Steadiness:
    $200,000 – $400,000
  • Presents Guardian PLUS Refinancing:
    Doesn’t disclose


Credible Rating

icon help dark

Credible lender scores are evaluated by our editorial workforce with the assistance of our mortgage operations workforce. The ranking standards for lenders embody 78 knowledge factors spanning rates of interest, mortgage phrases, eligibility requirement transparency, reimbursement choices, charges, reductions, customer support, cosigner choices, and extra. Read our full methodology.


2.44%+1

2.24%+1
5, 7, 10, 15, 20 $10,000 to $500,000
(relying on diploma and mortgage sort) Sure, after 36 months
  • Mounted APR:

    2.44%+1
  • Variable APR:

    2.24%+1
  • Min. credit score rating:
    Doesn’t disclose
  • Mortgage quantity:
    $10,000 to $750,000
  • Mortgage phrases (years):
    5, 7, 10, 15, 20
  • Reimbursement choices:
    Rapid reimbursement, educational deferment, army deferment, forbearance, loans discharged upon loss of life or incapacity
  • Charges:
    Late price
  • Reductions:
    Autopay, loyalty
  • Eligibility:
    Should be a U.S. citizen or everlasting resident and have no less than $10,000 in pupil loans
  • Customer support:
    Electronic mail, cellphone, chat
  • Delicate credit score test:
    Sure
  • Cosigner launch:
    After 24 to 36 months
  • Mortgage servicer:
    Firstmark Providers
  • Max. Undergraduate Mortgage Steadiness:
    $100,000 to $149,000
  • Max. Graduate Mortgage Steadiness:
    Lower than $150,000
  • Presents Guardian PLUS Refinancing:
    Sure


Credible Rating

icon help dark

Credible lender scores are evaluated by our editorial workforce with the assistance of our mortgage operations workforce. The ranking standards for lenders embody 78 knowledge factors spanning rates of interest, mortgage phrases, eligibility requirement transparency, reimbursement choices, charges, reductions, customer support, cosigner choices, and extra. Read our full methodology.


2.99%+2

2.94%+2
5, 7, 10, 12, 15, 20 $5,000 to $300,000
(relying on diploma sort) Sure, after 24 months
  • Mounted APR:

    2.99%+2
  • Variable APR:

    2.94%+2
  • Min. credit score rating:
    Doesn’t disclose
  • Mortgage quantity:
    $5,000 to $300,000
  • Mortgage phrases (years):
    5, 7, 10, 12, 15, 20
  • Reimbursement choices:
    Navy deferment, forbearance, loans discharged upon loss of life or incapacity
  • Charges:
    Late price
  • Reductions:
    Autopay
  • Eligibility:
    All states apart from ME
  • Customer support:
    Electronic mail, cellphone, chat
  • Delicate credit score test:
    Sure
  • Cosigner launch:
    After 24 to 36 months
  • Mortgage servicer:
    Faculty Ave Servicing LLC
  • Max. Undergraduate Mortgage Steadiness:
    $100,000 to $149,000
  • Max. Graduate Mortgage Steadiness:
    Lower than $300,000
  • Presents Guardian PLUS Refinancing:
    Sure


Credible Rating

icon help dark

Credible lender scores are evaluated by our editorial workforce with the assistance of our mortgage operations workforce. The ranking standards for lenders embody 78 knowledge factors spanning rates of interest, mortgage phrases, eligibility requirement transparency, reimbursement choices, charges, reductions, customer support, cosigner choices, and extra. Read our full methodology.


2.16%+

2.11%+
5, 7, 10, 15, 20 $5,000 to $500,000 Sure, after 36 months
  • Mounted charge:

    2.44%+1
  • Variable charge:

    2.24%+1
  • Min. credit score rating:
    680
  • Mortgage quantity:
    $5,000 to $500,000
  • Cosigner launch:
    Sure
  • Mortgage phrases (years):
    5, 7, 10, 15, 20
  • Reimbursement choices:
    Educational deferment, forbearance, loans discharged upon loss of life or incapacity
  • Charges:
    Late price
  • Reductions:
    Autopay
  • Eligibility:
    Out there in all states, besides MS and NV
  • Customer support:
    Electronic mail, cellphone, chat
  • Delicate credit score test:
    Sure
  • Mortgage servicer:
    FirstMark
  • Max. undergraduate mortgage steadiness:
    $500,000
  • Max. graduate mortgage steadiness:
    $500,000
  • Presents Guardian PLUS refinancing:
    Sure
  • Min. earnings:
    $65,000 (for 15- and 20-year merchandise)


Credible Rating

icon help dark

Credible lender scores are evaluated by our editorial workforce with the assistance of our mortgage operations workforce. The ranking standards for lenders embody 78 knowledge factors spanning rates of interest, mortgage phrases, eligibility requirement transparency, reimbursement choices, charges, reductions, customer support, cosigner choices, and extra. Read our full methodology.


1.8%+5

1.8%+5
5, 10, 15, 20 $1,000 to $250,000 Sure, after 36 months
  • Mounted APR:

    1.8%+5
  • Variable APR:

    1.8%+5
  • Min. credit score rating:
    700
  • Mortgage quantity:
    $7,500 to $200,000
  • Mortgage phrases (years):
    5, 10, 15, 20
  • Reimbursement choices:
    Rapid reimbursement, educational deferment, forbearance, loans discharged upon loss of life or incapacity
  • Charges:
    None
  • Reductions:
    Autopay
  • Eligibility:
    Should be a U.S. citizen or everlasting resident and submit two private references
  • Customer support:
    Electronic mail, cellphone
  • Delicate credit score test:
    Sure
  • Cosigner launch:
    After 36 months
  • Mortgage servicer:
    Granite State Administration & Sources (GSM&R)
  • Max. Undergraduate Mortgage Steadiness:
    $150,000 to $249,000
  • Max. Graduate Mortgage Steadiness:
    $150,000 to $199,000
  • Presents Guardian PLUS Refinancing :
    Sure


Credible Rating

icon help dark

Credible lender scores are evaluated by our editorial workforce with the assistance of our mortgage operations workforce. The ranking standards for lenders embody 78 knowledge factors spanning rates of interest, mortgage phrases, eligibility requirement transparency, reimbursement choices, charges, reductions, customer support, cosigner choices, and extra. Read our full methodology.


2.47%+3

2.39%+3
5, 7, 10, 12, 15, 20 Minimal of $15,000 No
  • Mounted APR:

    2.47%+3
  • Variable APR:

    2.39%+3
  • Min. credit score rating:
    680
  • Mortgage quantity:
    No most
  • Mortgage phrases (years):
    5, 7, 10, 12, 15, 20
  • Reimbursement choices:
    Forbearance
  • Charges:
    None
  • Reductions:
    None
  • Eligibility:
    Should be a U.S. citizen or everlasting resident, have no less than $15,000 in pupil mortgage debt, and have a bachelor’s diploma or larger from an accepted faculty
  • Customer support:
    Electronic mail, cellphone
  • Delicate credit score test:
    Sure
  • Cosigner launch:
    No
  • Mortgage servicer:
    Mohela
  • Max. Undergraduate Mortgage Steadiness:
    No most
  • Max. Graduate Mortgage Steadiness:
    No most
  • Presents Guardian PLUS Refinancing:
    Sure


Credible Rating

icon help dark

Credible lender scores are evaluated by our editorial workforce with the assistance of our mortgage operations workforce. The ranking standards for lenders embody 78 knowledge factors spanning rates of interest, mortgage phrases, eligibility requirement transparency, reimbursement choices, charges, reductions, customer support, cosigner choices, and extra. Read our full methodology.


3.47%+4

2.44%+4
5, 10, 15, 20 $5,000 to $250,000 Sure, after 48 months of on-time funds
  • Mounted APR:

    3.47%+4
  • Variable APR:

    2.44%+4
  • Min. credit score rating:
    670
  • Mortgage quantity:
    $5,000 to $250,000
  • Mortgage phrases (years):
    5, 10, 15, 20
  • Reimbursement choices:
    Educational deferment, army deferment, forbearance
  • Charges:
    Late price
  • Reductions:
    Autopay
  • Eligibility:
    Should be U.S. citizen or everlasting resident
  • Customer support:
    Electronic mail, cellphone, chat
  • Delicate credit score test:
    Sure
  • Cosigner launch:
    Sure
  • Max undergraduate mortgage steadiness:
    $250,000
  • Max graduate mortgage steadiness:
    $250,000
  • Presents Guardian PLUS refinancing:
    Sure


Credible Rating

icon help dark

Credible lender scores are evaluated by our editorial workforce with the assistance of our mortgage operations workforce. The ranking standards for lenders embody 78 knowledge factors spanning rates of interest, mortgage phrases, eligibility requirement transparency, reimbursement choices, charges, reductions, customer support, cosigner choices, and extra. Read our full methodology.


2.24%+

7 N/A 5, 7, 10, 12, 15, 20 As much as $300,000 Sure, after 24 months
  • Mounted APR:

    2.24%+

    7
  • Variable APR:
    N/A
  • Min. credit score rating:
    670
  • Mortgage quantity:
    As much as $300,000
  • Mortgage phrases (years):
    5, 7, 10, 15, 20
  • Time to fund:
    Often one enterprise day
  • Reimbursement choices:
    Educational deferral, army deferral, forbearance, loss of life/incapacity discharge
  • Charges:
    None
  • Reductions:
    Autopay
  • Eligibility:
    Out there in all 50 states
  • Customer support:
    Electronic mail, cellphone
  • Delicate credit score test:
    Sure
  • Cosigner launch:
    After 24 months
  • Max. undergraduate mortgage steadiness:
    $300,000
  • Max. graduate steadiness:
    $300,000
  • Presents Guardian PLUS loans:
    Sure
  • Min. earnings:
    None


Credible Rating

icon help dark

Credible lender scores are evaluated by our editorial workforce with the assistance of our mortgage operations workforce. The ranking standards for lenders embody 78 knowledge factors spanning rates of interest, mortgage phrases, eligibility requirement transparency, reimbursement choices, charges, reductions, customer support, cosigner choices, and extra. Read our full methodology.


3.05%+

3.05%+
7, 10, 15 $10,000 as much as the full quantity of certified training debt No
  • Mounted APR:

    3.05%+
  • Variable APR:

    3.05%+
  • Min. credit score rating:
    670
  • Mortgage quantity:
    $10,000 as much as the full quantity
  • Mortgage phrases (years):
    7, 10, 15
  • Reimbursement choices:
    Navy deferment, loans discharged upon loss of life or incapacity
  • Charges:
    None
  • Reductions:
    None
  • Eligibility:
    Should be a U.S. citizen or everlasting resident and have no less than $10,000 in pupil loans
  • Customer support:
    Electronic mail, cellphone
  • Delicate credit score test:
    Sure
  • Cosigner launch:
    No
  • Mortgage servicer:
    AES
  • Max. Undergraduate Mortgage Steadiness:
    No most
  • Max. Gradaute Mortgage Steadiness:
    No most
  • Presents Guardian PLUS Refinancing:
    Sure


Credible Rating

icon help dark

Credible lender scores are evaluated by our editorial workforce with the assistance of our mortgage operations workforce. The ranking standards for lenders embody 78 knowledge factors spanning rates of interest, mortgage phrases, eligibility requirement transparency, reimbursement choices, charges, reductions, customer support, cosigner choices, and extra. Read our full methodology.


2.89%+
N/A 5, 8, 12, 15 $7,500 to $300,000 Sure, after 12 months
  • Mounted APR:

    2.89%+
  • Variable APR:
    N/A
  • Min. credit score rating:
    670
  • Mortgage quantity:
    $7,500 to $300,000
  • Mortgage phrases (years):
    5, 8, 12, 15
  • Reimbursement choices:
    Doesn’t disclose
  • Charges:
    None
  • Reductions:
    None
  • Eligibility:
    Should be a U.S. citizen and have and no less than $7,500 in pupil loans
  • Customer support:
    Electronic mail, cellphone, chat
  • Delicate credit score test:
    Sure
  • Cosigner launch:
    After 12 months
  • Mortgage servicer:
    PenFed
  • Max. Undergraduate Mortgage Steadiness:
    $300,000
  • Max. Graduate Mortgage Steadiness:
    $300,000
  • Presents Guardian PLUS Refinancing:
    Sure


Credible Rating

icon help dark

Credible lender scores are evaluated by our editorial workforce with the assistance of our mortgage operations workforce. The ranking standards for lenders embody 78 knowledge factors spanning rates of interest, mortgage phrases, eligibility requirement transparency, reimbursement choices, charges, reductions, customer support, cosigner choices, and extra. Read our full methodology.


2.69%+
N/A 5, 10, 15 $7,500 as much as $250,000
(relying on highest diploma earned) No
  • Mounted APR:

    2.69%+
  • Variable APR:
    N/A
  • Min. credit score rating:
    680
  • Mortgage quantity:
    $7,500 to $250,000
  • Mortgage phrases (years):
    5, 10, 15
  • Reimbursement choices:
    Educational deferment, army deferment, forbearance, loans discharged upon loss of life or incapacity
  • Charges:
    None
  • Reductions:
    Autopay
  • Eligibility:
    Out there in all 50 states; should even have no less than $7,500 in pupil loans and a minimal earnings of $40,000
  • Customer support:
    Electronic mail, cellphone
  • Delicate credit score test:
    Doesn’t disclose
  • Cosigner launch:
    No
  • Mortgage servicer:
    Rhode Island Pupil Mortgage Authority
  • Max. Undergraduate Mortgage Steadiness:
    $150,000 – $249,000
  • Max. Graduate Mortgage Steadiness:
    $200,000 – $249,000
  • Presents Guardian PLUS Refinancing:
    Sure


Credible Rating

icon help dark

Credible lender scores are evaluated by our editorial workforce with the assistance of our mortgage operations workforce. The ranking standards for lenders embody 78 knowledge factors spanning rates of interest, mortgage phrases, eligibility requirement transparency, reimbursement choices, charges, reductions, customer support, cosigner choices, and extra. Read our full methodology.


2.49%+

6
1.99%+

6 5, 7, 10, 15, 20 $5,000 as much as the total steadiness of your certified training loans No
  • Mounted APR:

    2.49%+

    6
  • Variable APR:

    1.99%+

    6
  • Min. credit score rating:
    Doesn’t disclose
  • Mortgage quantity:
    $5,000 as much as the total steadiness
  • Mortgage phrases (years):
    5, 7, 10, 15, 20
  • Reimbursement choices:
    Educational deferment, army deferment
  • Charges:
    None
  • Reductions:
    Autopay, loyalty
  • Eligibility:
    Out there in all 50 states
  • Customer support:
    Electronic mail, cellphone, chat
  • Delicate credit score test:
    Sure
  • Cosigner launch:
    No
  • Max undergraduate mortgage steadiness:
    No most
  • Max graduate mortgage steadiness:
    No most
  • Presents Guardian PLUS refinancing:
    Sure

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