Less interest,
more options.

We offer student loan refinanciing that fits your life. Variable rates
start at 2.57% APR, and fixed rates start at 3.25% APR with autopay.
Get your rate extimate without affecting your credit score.

APPLY FOR LOANS

Choosing the correct student loan can be just as important choosing the right college.

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LendKey

Details *

Fixed APR

3.15%-7.26%

Variable APR

2.74%-6.48%

Balance Range

$7.5k-$175k
Undergraduate
$7.5k-$250k
Graduate

Credit Score Needed

680

Offerings

  • A friendly credit union experience
  • Flexible repayment terms, No hidden application or origination fees
  • No prepayment penalties, Cosigner release available
  • 2-minute rate check with no impact on credit score, Available for private
  • federal, undergrad, and graduate school student loans
  • Since LendKey is a collection of community banks and credit unions, eligibility depends on each individual lender
  • Eligibility for most lenders will be based on: Geographic location and employment status

Description

LendKey is an online platform with a collection of 13,000 credit unions and community banks. They pride themselves on providing borrowers with a transparent low-interest lending experience.
CommonBond

Details *

Fixed APR

3.18%-7.24%

Variable APR

2.57%-6.84%

Balance Range

$5K-$500K
Undergraduate

Credit Score Needed

660

Offerings

  • No hidden application or origination fees
  • No prepayment penalties
  • Parent PLUS refinancing
  • Cosigner release available
  • Social Promise: for every loan that they fund, CommonBond also funds the education of a child in need
  • Access to a community network, member dinners, and networking events
  • They have your back; if you lose your job, they pause your payments and help you find work
  • Available for private, federal, undergrad, and graduate school student loans
  • Must be at least 18-years old
  • Must be a U.S. citizen/permanent resident
  • Must have graduated from a Title IV eligible program
  • Must provide proof of employment & residence
  • Must provide a loan statement for each loan you wish to refinance

Description

CommonBond, an online student loan company, was founded in 2011 by three Wharton MBA students. They pride themselves on their top-notch customer service, a wide variety of low-interest products, and a sense of social responsibility.
SoFi

Details *

Fixed APR

3.25%-7.25%

Variable APR

2.58%-7.07%

Balance Range

$5K-$500K
Undergraduate

Credit Score Needed

680

Offerings

  • Zero application fees, origination fees, or pre-payment fees
  • Unemployment protection: If you lose your job, they will pause loan payments and help you find a new job
  • No minimum income requirement
  • Parent PLUS refinancing
  • Autopay option (w/ discount)
  • Career Coaches: To help you build your brand and further you in your professional success
  • Wealth Advisors: To guide you through your finances and investments
  • Available for private, federal, undergrad, and graduate school student loans
  • Must be a U.S. citizen/permanent resident
  • Must be at least 18 years old
  • Must reside in one of SoFi’s eligible states
  • Must have graduated from a Title IV accredited university
  • Eligibility also dependent on responsible financial history, employment status, and debt to income ratio

Description

Founded by a group of Stanford business students, SoFi was created to help their fellow classmates manage their debt by providing lower interest rate student loan refinancing options. SoFi assists student borrowers all across the U.S. by providing refinance and consolidation services.
College AVE Student Loans

Details *

Fixed APR

3.35%-7.50%

Variable APR

2.75%-7.25%

Balance Range

$5K-$150K
Undergraduate
$5K-$250K
Graduate

Credit Score Needed

680

Offerings

  • Apply in 3 minutes or less
  • Low fixed or variable rates
  • Flexible repayment terms and options
  • Interest-only payment or full principal & interest payment
  • 2-year interest only option available
  • No application or origination fees
  • Parent PLUS refinancing
  • Available for private, federal, undergrad, and graduate school student loans
  • Must be at least 18-years old
  • Must be a U.S. citizen/permanent resident
  • Must have graduated from a Title IV eligible program
  • Must meet College Ave underwriting requirements

Description

Launched in 2014 by former Sallie Mae executives, College Ave was created to help college graduates find a simple and inexpensive way to refinance their student loans.
Citizens Bank

Details *

Fixed APR

3.35%-8.24%

Variable APR

3.11%-8.46%

Balance Range

10K-$350K
Undergraduate

Credit Score Needed

680

Offerings

  • One convenient monthly payment for your undergraduate and graduate, private and federal student loans
  • Choose the repayment term that fits you best
  • No pre-payment penalty, and no application, origination, or disbursement fees
  • Get your personalized rate in under 2 minutes
  • You’re no longer enrolled in school
  • You must have at least $10,000 in student loans to refinance
  • You have a history of paying your current student loans on time
  • No degree required

Description

Citizens Bank, one of the nation’s oldest and largest financial institutions, provides an integrated experience that includes mobile, online banking and lending solutions, a 24/7 customer contact center and the convenience of approximately 3,200 ATMs and approximately 1,200 branches. Citizens Bank is a leader in Student Loan solutions, offering lending solutions for parents, students and former students. The Citizens Bank Education Refinance Loan is a leading solution helping graduates and former students to better manage their student debt. Citizens Bank customers have saved an average of an average of $1,548 per year*. Citizens Bank helps its customers reach their potential by listening to them and by understanding their needs in order to offer tailored advice, ideas and solutions.
Earnest

Details *

Fixed APR

3.25%-6.39%

Variable APR

2.57%-6.19%

Balance Range

$5K-No Max
Undergraduate

Credit Score Needed

660

Offerings

  • Lower rates based on your future potential and full financial profile, not just your credit score (however, need minimum 660 credit score for approval)
  • More savings: Their clients have saved $21,810^ on average by refinancing
  • Flexible terms that let you pick your exact monthly payment, prepay with no penalty, or pay bi‐weekly
  • Lifetime service provided in‐house
  • No fees for origination, prepayment, or loan disbursement
  • Forbearance offered to clients experiencing a documented and verifiable hardship
  • Student or Parent PLUS Loan Refinancing available
  • Two‐minute rate check with no obligation or impact to your credit score
  • You are a U.S. citizen or possess a 10-year (non-conditional) Permanent Resident Card
  • You are at least 18 years old
  • You have a minimum credit score of 660
  • The debt is from paying for a Title IV-accredited school
  • You are employed, have a written job offer for a position that starts within 6 months, or possess consistent income

Description

Earnest is a technology-enabled lender using data science and automation to reinvent financial services. Earnest’s lending products are built for a new generation seeking high-quality services and offers financially-responsible individuals competitive rates for student loan refinancing.
Discover Student Loans

Details *

Fixed APR

5.24%-8.24%

Variable APR

4.12%-7.37%

Balance Range

$5K-$150K
Undergraduate

Credit Score Needed

Not yet published

Offerings

  • Consolidate your federal and private student loans
  • Choose from great fixed or variable interest rates
  • Flexible terms that could lower your overall monthly payment amount each month
  • Make just one payment each month so you don’t have to worry about multiple payments and due dates
  • No fees ever – $0 application, origination or late fees
  • Apply in 15 minutes or less
  • Receive a 0.25% interest rate reduction while enrolled in automatic payments (included in lowest listed APRs)
  • Must be a US citizen or permanent resident with a US-based address
  • Must be 18 years or older at the time you apply
  • Must pass a credit check
  • Must have no more than $150,000 in aggregate student loan debt. Higher limits may apply for specific fields of study
  • Must have verifiable income sufficient to support your debts and show a positive repayment history
  • Must be the primary borrower on the loans you want to consolidate

Description

Discover Student Loans is one of the largest providers of private student loans in the United States. Their mission is to help people spend smarter, manage debt better and save more so they achieve a brighter financial future. As part of Discover Bank, they pride themselves on customer service excellence. They manage the servicing of their student loans in-house and have knowledgeable, US-based Student Loan Specialists ready to help their customers 24/7.
Thrivent Student loan Resources

Details *

Fixed APR

3.74%-9.24%

Variable APR

3.25%-9.75%

Balance Range

$10K-$120K
Undergraduate

Credit Score Needed

660

Offerings

  • The option of immediate or graduated repayment
  • No loan origination or disbursement fees
  • Parent PLUS refinancing
  • Cosigner release available
  • Financial guidance through a faith-based lens…we call it New School Lending
  • Available for private, federal, undergrad, and graduate school student loans
  • Must be at least 18 years or older
  • Must be a U.S. citizen or permanent resident
  • Must have graduated from one of the schools on their eligible schools list
  • Must be able to show proof of income and residency
  • Must be a member of the Thrivent Federal Credit Union: If a borrower is not already a member, they will be asked to apply for membership during loan application process

Description

Thrivent Student loan Resources and their lending partner, Thrivent Federal Credit Union, are dedicated to helping college-bound Christians and their families realize their educational dreams, plan for their future, and prepare for life after graduation with a full range of financial services, products, and options.
Education Loan Finance

Details *

Fixed APR

3.09%-6.69%

Variable APR

2.69%-6.01%

Balance Range

$15K-No Max
Undergraduate

Credit Score Needed

680

Offerings

  • Offer some of the lowest interest rates in the refinancing market
  • No hidden application and origination fees
  • No prepayment penalties
  • Deferment & forbearance options available
  • Fast Track $100 Bonus if you accept the offer within 30 days of your application date
  • Referral Program: $400 for every customer you refer
  • Autopay option (w/ discount)
  • Available for private, federal, undergrad, and graduate school student loans
  • Must be at least 18 years or older
  • Must be a U.S. citizen/permanent resident
  • Minimum refinancing amount of $15,000Must have earned a bachelors degree or higher from one of their approved post secondary institution
  • Must have a debt-to-income ratio that proved you will have the ability to repay the loan.

Description

Education Loan Finance is a refinancing program offered through SouthEast Bank. They strive to provide manageable payments, affordable rates, and flexible terms for students looking to refinance their student loans.
Brazos Education Lending Corporation

Details *

Fixed APR

3.30%-6.89%

Variable APR

3.06%-6.21%

Balance Range

$10K-$150K
Undergraduate
$10K-$250K
Graduate

Credit Score Needed

720

Offerings

  • For Texas residents only
  • Competitive interest rates
  • Transparent pricing, see all of their rates before you apply
  • 0.25% Auto-Pay interest rate reduction
  • No origination fees or prepayment penalties
  • Multiple loan terms to fit your financial goals
  • Federal and private loans are eligible
  • Online application, pre-approval in minutes
  • Borrower must be a resident of the State of Texas
  • Borrower must have graduated and received at least an undergraduate degree from one of over 2,000 schools nationwide
  • Borrower must be the borrower of the loans to be refinanced
  • Borrower must be a United States citizen or National or a non-citizen with government issued, non-expired documentation of permanent resident status, or if applying with an eligible cosigner, a non-citizen with a work or student visa
  • Borrower must be at least 18 years old
  • Borrower must have a strong credit history and demonstrate the ability to repay the loan

Description

Brazos Education Lending Corporation is a nonprofit corporation dedicated to the origination of education loans for Texas residents. The company is managed by Brazos Higher Education, a nonprofit corporation that has been dedicated to providing assistance for higher education for over 40 years.

Welcome to the student loan center

Whether you’ve just graduated high school and are working toward your Bachelor’s degree or you’re pursuing higher education, such as a Master’s degree, after being in the workforce for decades, Squeeze's student loan center can help you find the right loan – at the right price – for your desired degree.

Most likely, your education is going to be your biggest expense next to your home. That’s why it’s so important to shop around and find the right loan and the right lender for your unique situation. When financing so much money, just a slight difference in the interest rate can save you thousands of dollars over the life of the loan.

BORROW RESPONSIBILITY

Unfortunately, about 65% of students misunderstand the terms of their own student loans. That means they aren’t comparing options, reading the fine print or asking questions about one of the most important financial decisions they’ll ever make. Don’t be one of them.

Who's eligible?

If you’re looking to pursue any of the following degree programs, Squeeze can match you to a lender that will meet your needs:

  • Associates Degree
  • Bachelor’s Degree
  • Master’s Degree
  • PhD

And, if you have no credit or poor credit, that’s not a problem. With the majority of students having to borrow money for educational expenses, lenders aren’t going to punish you for not yet establishing your credit.

How does a student loan work?

If you have been asking yourself this question, you are not alone. In fact, many students who take out student loans don’t fully understand what loans are, how student loans work specifically, what types exist, and so on. Not to fear, we can help!

Let’s start with defining a loan. A loan is an agreement between a borrower and a lender. A lender gives money to a borrower, and in exchange, the borrower agrees to pay back the lender over a certain period of time plus interest. Student loans are a type of loans that are intended to be used for a borrower’s education.

It’s important to note that a student loan is a financial transaction, one that comes with a binding agreement between you and your lender. If you take out loans for your education, it’s wise to only take out the amount you need and no more, as you will be expected to repay this amount in addition to interest down the road. Also, remember to do your research to find out how the interest on your loans accrues and what types of repayment opportunities will be available to you upon graduation.

Can a Student Loan Help You?

Whether for community college, a university, graduate school, or even the supplies necessary to go to school, a student loan can help you cover expenses when you might not be able to afford them on your own.

Private vs. federal

Private loans

  • Private loans are offered by banks, credit unions, private lenders, and other lending institutions.
  • These loans are based on creditworthiness—a higher credit score typically means a lower interest rate.
  • While APRs can start as low as 3.00%, students may want to consider a cosigner to qualify for the best rates and terms.
  • While most private student loan options have a variable interest rate, fixed-rate private loans are available as well.

Federal loans

  • Federal loans are funded by the U.S. Department of Education.
  • To qualify for federal loans, students must demonstrate financial need (for most programs).
  • Eligibility is determined by filling out the FAFSA, the Free Application for Federal Student Aid.
  • Interest rates on federal student loans are fixed, ranging from 3.76% for undergraduate studies to 5.31% for graduate education.

Private loans often may be used to cover the difference between the total cost of education and the amount offered through the federal loan program. This may include the cost of housing, books, fees, and other educational expenses, in addition to the cost of tuition. Before making a decision whether or not you will borrow federal loans or private student loans, make sure you understand whether or not interest accrues while you’re in school, if there is a grace period when you graduate, and how much interest your lender is charging you.

How to get student loans: 4 simple steps

Step 1: Determine how much you need for college

Finding out how much money you may need to borrow requires a flurry of steps on its own. The first one, however, is figuring out how much college tuition costs at your school. Check your school’s website for the annual cost of attendance along with room and board. Try to estimate the costs of books and supplies as well, although, you may not know exactly what you’ll need until classes are in full swing.

Once you figure out how much college will cost, you can determine how much money you have saved, plus add in any college scholarships you may have earned. Filling out a Free Application for Federal Student Aid, or FAFSA form, is an inevitable part of this process as well.

Once you fill out a FAFSA, you’ll learn how much aid you can qualify for if you choose to take advantage. You’ll also learn your required family contribution to school, which can be significantly less than college tuition depending on your family’s income and other factors.

Step 2: Research & compare loan options

Federal and private loans are available to help students make up the difference between the money they have and the money they owe. Make sure to compare loan options based on interest rates, repayment terms, and whether the rates are variable or fixed.

Private student loans are a viable option for students who need to borrow money for school and may exceed borrowing amounts offered through federal loans. Make sure to compare private loans across a handful of lenders to find the best loan terms. Since private loans are not backed by the federal government, they are not guaranteed and do require good credit to qualify. On the positive side, however, private lenders have been known to offer incredibly favorable terms to students who need help with school.

Step 3: Apply for your student loan

Once you’ve compared loan options and decided on financing that meets your needs, it’s time to apply and get the ball rolling. Fortunately, our online world has made it easier than ever to apply for educational loans from the comfort of your own home.

Generally speaking, you’ll start by choosing a lender or applying to receive multiple loan options through a service like LendingTree. Once you’ve nailed down a loan offer to move forward with, you’ll be able to upload any required documents right from your home computer.

Your lender may ask for the following documentation:

  • Social security number
  • Driver’s license
  • Most recent income tax return
  • Parent’s latest income tax return (if applicable)
  • Bank statements
  • Statements regarding business activity
  • Legal documentation of residency (if required)

Once you supply all the documentation your lender requires, you may need to wait a couple of weeks to receive a decision on your pending student loan. In the meantime, you can continue planning your college education or try to earn more money to lighten your load.

Step 4: Get approved, accept, and sign!

While waiting a few weeks for approval can be stressful, it doesn’t always take that long to receive a response regarding your loan application. You may only need to wait a few days to hear whether you’re approved for the funds you need for school. And once you’re approved, the rest of the process is simple.

As you prepare to sign your loan documents, make sure you read through them thoroughly. Note the various terms you’ve agreed on, and if they’re worded like you imagined they would be. Make sure to check the loan term and interest rate to ensure you’re receiving what you expect.

If your loan has been approved, your lender will require your school to certify the loan – as in, your school will need to provide documentation that you do plan to attend. While each school has its own process regarding how they certify loans, most schools certify at least once per month. According to Sallie Mae, however, some schools may not certify private loans until a few weeks before school starts.

Once your school has certified your loan, your lender will provide a disbursement of loan funds. These funds are typically sent to your school in a lump sum or in several smaller disbursements.