Private Student Loans for Current Students
Compare the best private student loan rates from multiple lenders. No cosigner options available. Get pre-qualified in minutes with competitive rates to bridge your education funding gap.
Loan Estimate
Why Choose Private Student Loans?
When federal aid isn't enough to cover your education costs, private student loans can bridge the gap with competitive rates and flexible terms.
Multiple Lenders
Compare rates from 15+ top private student loan lenders in one place
No Cosigner Options
Qualified students can get approved without a cosigner or parent signature
Pre-Qualification
Check your rates in minutes with no impact to your credit score
Competitive Rates
Interest rates starting as low as 3.25% APR for qualified borrowers
Compare Top Private Student Loan Lenders
We've partnered with the nation's top private student loan lenders to offer you the best rates and terms available.
Sallie Mae
Most flexible terms
- No origination fees
- Deferred payments
- Rate reduction rewards
- Coverage up to 100% cost of attendance
Discover Student Loans
Good student discounts
- Good student reward
- No origination fees
- 0.25% autopay discount
- Cosigner release after 12 months
College Ave
Flexible repayment
- Flexible repayment terms
- No origination fees
- Multi-year approval
- Cosigner release available
Earnest
Customized rates
- Precision pricing
- Skip payment option
- No origination fees
- 9-month rate protection
Citizens Bank
Multi-year planning
- Multi-year approval
- Graduation reward
- 0.25% autopay discount
- Cosigner release
MPOWER Financing
International students
- No cosigner required
- International students
- Credit building
- Career support
Rates shown are current as of today and subject to change. Your actual rate will depend on your creditworthiness.
Get Your RatesLoans for Every Education Level
Whether you're an undergraduate, graduate student, or parent, we have loan options tailored to your needs.
Undergraduate Students
Repayment Options:
- Deferred (pay after graduation)
- Interest-only during school
- Immediate repayment
- Fixed payment ($25/month)
Eligibility:
- Enrolled at least half-time
- U.S. citizen or permanent resident
- Meeting academic progress requirements
- Credit check or cosigner may be required
Graduate Students
Repayment Options:
- Deferred payments during school
- Interest-only payments
- Immediate full payments
- MBA-specific programs
Eligibility:
- Enrolled in graduate program
- Good academic standing
- Better rates with established credit
- Cosigner release options available
Parent Loans
Repayment Options:
- Immediate repayment
- Interest-only during school
- Deferred payments
- Graduated repayment plans
Eligibility:
- Parent or guardian of student
- Credit check required
- No borrowing limits
- Student may be co-borrower
Simple Application Process
Get your private student loan in 5 easy steps, from rate comparison to fund disbursement.
Compare Rates
Get pre-qualified rates from multiple lenders with a soft credit check
2-3 minutesChoose Your Lender
Compare terms and select the best loan for your needs
5 minutesComplete Application
Full application with school certification and final approval
15-20 minutesSchool Certification
Your school confirms enrollment and cost of attendance
3-10 business daysFunds Disbursement
Loan funds sent directly to your school, refund issued to you
1-2 weeks after certificationSmart Borrowing Tips
Make informed decisions about private student loans with these expert tips for responsible borrowing.
Exhaust Federal Aid First
Always max out federal student loans before considering private loans
Borrow Only What You Need
Calculate actual costs and borrow conservatively to minimize debt
Compare Total Cost
Look at total repayment amount, not just monthly payments
Consider Future Income
Ensure loan payments will be manageable with your expected salary
Federal vs Private: Make the Right Choice
Always exhaust federal student aid options before considering private loans. Here's why:
Federal Loan Benefits:
- Income-driven repayment plans
- Loan forgiveness programs
- Flexible deferment/forbearance
- Fixed interest rates
When Private Loans Make Sense:
- Federal aid limits reached
- Lower interest rates available
- Flexible repayment terms needed
- Covering full cost of attendance
Our recommendation: Complete your FAFSA first, accept all federal aid, then use private loans only for the remaining gap in funding.
Ready to Compare Private Student Loan Rates?
Get pre-qualified rates from multiple lenders in minutes. No impact to your credit score and no obligation to borrow.