CINXE.COM

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</script> <title>Best Refinance Student Loans In February 2025 | Bankrate</title><meta name="description" content="When you refinance your student loans, you may qualify for a lower interest rate and a different repayment timeline, which could help you save money on interest or lower your monthly payments."><meta name="PageType" content="rates-results"><meta name="Category" content="student-loans"><meta name="SubCategories" content="loans"><meta name="pageuuid" content="beb583d4-d475-4b3a-8a59-f585e1964327"><meta name="ContentSrc" content="sb:79653638"><link rel="canonical" href="https://www.bankrate.com/loans/student-loans/refinance-rates/"><meta name="robots" content="index, follow"><meta property="og:title" content="Best Refinance Student Loans In February 2025 | Bankrate"><meta property="og:description" content="When you refinance your student loans, you may qualify for a lower interest rate and a different repayment timeline, which could help you save money on interest or lower your monthly payments."><meta property="og:url" content="https://www.bankrate.com/loans/student-loans/refinance-rates/"><meta property="og:site_name" content="Bankrate"><meta name="twitter:card" content="summary"><meta name="twitter:site" content="@bankrate"><meta name="twitter:title" content="Best Refinance Student Loans In February 2025 | Bankrate"><meta name="twitter:description" content="When you refinance your student loans, you may qualify for a lower interest rate and a different repayment timeline, which could help you save money on interest or lower your monthly payments."><script type="application/ld+json">{"@context":"https://schema.org","@type":"WebPage"}</script><script type="application/ld+json">{"@context":"https://schema.org","@type":"Article","headline":"Best Refinance Student Loans In February 2025 | Bankrate","description":"When you refinance your student loans, you may qualify for a lower interest rate and a different repayment timeline, which could help you save money on interest or lower your monthly payments.","datePublished":"2023-12-22T14:00:00.000Z","dateModified":"2025-02-13T21:14:14.000Z","url":"https://www.bankrate.com/loans/student-loans/refinance-rates/","mainEntity":{"@type":"WebPage","reviewedBy":{"@type":"Person","name":"Mark Hamrick","jobTitle":"Washington Bureau Chief, Senior Economic Analyst","description":"Mark Hamrick is Washington Bureau Chief for Bankrate. 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She is committed to helping readers navigate complex personal finance decisions.","sameAs":"https://www.linkedin.com/in/lintonjulie/","url":"https://www.bankrate.com/authors/julie-linton/"}}</script><script type="application/ld+json">{"@context":"https://schema.org","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","name":"Loans","item":{"@type":"Thing","url":"https://www.bankrate.com/loans/","@id":"https://www.bankrate.com/loans/"},"position":1},{"@type":"ListItem","name":"Student Loans","item":{"@type":"Thing","url":"https://www.bankrate.com/loans/student-loans/","@id":"https://www.bankrate.com/loans/student-loans/"},"position":2}]}</script><script type="application/ld+json">{"@context":"https://schema.org","@type":"FAQPage","mainEntity":[{"@type":"Question","name":"What credit score do I need to refinance my student loans?","acceptedAnswer":{"@type":"Answer","text":"Credit score requirements vary from lender to lender, but you'll likely need a credit score in the mid- to high 600s in order to refinance your student loans. However, if you have poor credit, you still may be eligible to refinance your loans with the help of a co-signer who has a credit score in that range."}},{"@type":"Question","name":"Will refinancing affect my credit score?","acceptedAnswer":{"@type":"Answer","text":"When you apply for refinancing, your credit score may drop a few points, since the lender will perform a hard inquiry on your credit report. Your may also lose a few points if refinancing causes the average age of your accounts to drop. However, in the long run, refinancing may actually be beneficial for your credit score if it helps you make your payments on time and pay off your debt more quickly."}},{"@type":"Question","name":"When should I refinance my student loans?","acceptedAnswer":{"@type":"Answer","text":"There isn't a single best time to refinance — the decision is personal and comes down to your financial situation and current interest rates. 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However, you may encounter different rates for different types of loans."}},{"@type":"Question","name":"Can I refinance only part of my student loans?","acceptedAnswer":{"@type":"Answer","text":"You can refinance some or all of your student loan debt. Many borrowers who have a mix of private and federal loans choose to refinance only the private student debt in order to retain federal benefits. You may also choose to refinance only the loans with the highest interest rates and keep the loans with lower interest rates."}}]}</script><script type="application/ld+json">{"@context":"https://schema.org","@type":"Organization","url":"https://www.bankrate.com/","email":"webmaster@bankrate.com","ethicsPolicy":"https://www.bankrate.com/privacy/","foundingDate":"1976","legalName":"Bank Rate LLC","name":"Bank Rate","address":{"@type":"PostalAddress","addressLocality":"New York, NY","postalCode":"10017","streetAddress":"750 3rd Ave, 28th Floor"},"foundingLocation":{"@type":"Place","name":"New York City, New York, U.S."},"logo":{"@type":"ImageObject","url":"https://www.bankrate.com/v2.828.1/img/logo/bankrate-logo-268x60.jpg"}}</script><meta class="swiftype" name="type" data-type="enum" content="rate-results" /><meta class="swiftype" name="title" data-type="string" content="Best Refinance Student Loans In February 2025 | Bankrate" /><meta class="swiftype" name="description" data-type="text" content="When you refinance your student loans, you may qualify for a lower interest rate and a different repayment timeline, which could help you save money on interest or lower your monthly payments." /><meta class="swiftype" name="url" data-type="enum" content="https://www.bankrate.com/loans/student-loans/refinance-rates/" /><meta class="swiftype" name="category" data-type="string" content="student-loans" /><meta class="swiftype" name="category" data-type="string" content="loans" /><meta http-equiv="content-language" content="en-US"> <link rel="icon" href="/favicon.ico"> <link rel="preload" href="https://www.bankrate.com/static/fonts/CircularStd-Book.woff2" as="font" crossorigin> <link rel="preload" href="https://www.bankrate.com/static/fonts/CircularStd-Bold.woff2" as="font" crossorigin> <link rel="preconnect" href="https://fonts.gstatic.com" crossorigin> <link rel="preload" as="style" href="/ext/fonts.googleapis.com/css2?family=Roboto:wght@400;700&display=swap"> <link rel="stylesheet" href="/ext/fonts.googleapis.com/css2?family=Roboto:wght@400;700&display=swap" media="print" onload="this.media='all'"> <noscript> <link rel="stylesheet" href="/ext/fonts.googleapis.com/css2?family=Roboto:wght@400;700&display=swap"> </noscript> <script type="module"> document.documentElement.classList.remove('no-js'); </script> <style type="text/css"> .preampjs [data-preamp], .fusejs [data-fuse] { opacity: 0 !important } </style> <script> ! 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mobile nav" data-position="bottom" data-text="Explore all Banking resources" data-outcome="send to link" > Explore all banking resources <svg class="Icon Icon--sm text-blue" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Arrow Right Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M12.29 18.69c.2.19.45.29.71.29V19c.25 0 .5-.09.7-.29l6.01-6c.18-.19.29-.44.29-.71 0-.27-.1-.52-.29-.71l-6.01-6a.996.996 0 1 0-1.41 1.41l4.3 4.3H4c-.55 0-1 .45-1 1s.45 1 1 1h12.58l-4.29 4.28a.996.996 0 0 0 0 1.41Z" class="icon-base"/></svg></a> </div> </div> <div class="SiteNavSubcategory-content" :class="{ 'is-active': showSubcategoryView }" @keydown.up.prevent="keydownSubcategoryLinks($el.querySelector('.is-active'), $event)"> <div class="SiteNavSubcategory-panelsContainer" x-ref="siteNavSubcategoryPanelsContainer"> <div class="SiteNavMobile-sticky"> <button class="SiteNavMobile-back" @click="deactivateSubcategory" x-ref="backToSubcategoriesButton" @keydown.prevent="keyDownBackToSubcategoriesButton" aria-label="Back to Banking category"> <svg class="Icon Icon--xs" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Left Icon</title><path d="M15.85 21a1.36 1.36 0 0 1-.938-.379L7.23 12.932c-.51-.51-.51-1.35 0-1.86l7.681-7.69a1.32 1.32 0 0 1 1.86 0c.51.511.51 1.35 0 1.861l-6.745 6.75 6.744 6.751c.51.51.51 1.35 0 1.86a1.29 1.29 0 0 1-.937.38l.016.016Z" class="icon-base"/></svg> Banking</button> </div> <div class="SiteNavSubcategory-categoryTitle" x-text="activeSubcategoryName"></div> <div class="SiteNavSubcategory-panels" tabindex="-1"> <div class="SiteNavSubcategory-panel" :class="{ 'is-active': isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement))) }" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavPrimaryLinkList"> <p class="SiteNavPrimaryLinkList-eyebrow">Compare accounts</p> <ul class="SiteNavPrimaryLinkList-list"> <li class="SiteNavPrimaryLinkList-item"> <a href="/banking/savings/rates/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Banking anchor link" data-position="1" data-text="Best savings accounts" data-outcome="send to Best savings accounts" > Best savings accounts</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/banking/savings/best-high-yield-interests-savings-accounts/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Banking anchor link" data-position="2" data-text="Best high-yield savings accounts" data-outcome="send to Best high-yield savings accounts" > Best high-yield savings accounts</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/small-business/best-business-checking-accounts/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Banking anchor link" data-position="3" data-text="Best business checking accounts" data-outcome="send to Best business checking accounts" > Best business checking accounts</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/banking/checking/best-checking-accounts/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Banking anchor link" data-position="4" data-text="Best checking accounts" data-outcome="send to Best checking accounts" > Best checking accounts</a> </li> </ul> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Get guidance</p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/banking/savings/simple-savings-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Banking nav - Checking & savings subcategory featured link" data-position="1" data-text="Savings calculator" data-outcome="send to link" > Savings calculator</a> </li> <li> <a class="SiteNavSecondaryLink" href="/savings/calculators/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Banking nav - Checking & savings subcategory featured link" data-position="2" data-text="All savings calculators" data-outcome="send to link" > All savings calculators</a> </li> <li> <a class="SiteNavSecondaryLink" href="/banking/savings/average-savings-interest-rates/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Banking nav - Checking & savings subcategory featured link" data-position="3" data-text="Savings rate trends" data-outcome="send to link" > Savings rate trends</a> </li> <li> <a class="SiteNavSecondaryLink" href="/banking/savings/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Banking nav - Checking & savings subcategory featured link" data-position="4" data-text="Savings resources" data-outcome="send to link" > Savings resources</a> </li> </ul> <ul class="SiteNavFeaturedLinkList"> <li> <a class="SiteNavFeaturedLink" href="/banking/savings/how-to-open-a-savings-account/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Banking nav - Checking & savings subcategory link" data-position="1" data-text="Savings basics" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/6efbd0a01f/savings-basics.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/6efbd0a01f/savings-basics.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/6efbd0a01f/savings-basics.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">Savings basics</span> <span class="SiteNavFeaturedLink-supportText">5 min read</span> </div> </a> </li> <li> <a class="SiteNavFeaturedLink" href="/banking/savings/start-saving-from-scratch/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Banking nav - Checking & savings subcategory link" data-position="2" data-text="How to start saving" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/4c26764452/how-to-start-saving.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/4c26764452/how-to-start-saving.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/4c26764452/how-to-start-saving.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">How to start saving</span> <span class="SiteNavFeaturedLink-supportText">4 min read</span> </div> </a> </li> </ul> </div> </div> </div> </div> <div class="SiteNavSubcategory-panel" :class="{ 'is-active': isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement))) }" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavPrimaryLinkList"> <p class="SiteNavPrimaryLinkList-eyebrow">Compare accounts</p> <ul class="SiteNavPrimaryLinkList-list"> <li class="SiteNavPrimaryLinkList-item"> <a href="/banking/cds/cd-rates/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Banking anchor link" data-position="1" data-text="Best CD rates" data-outcome="send to Best CD rates" > Best CD rates</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/banking/cds/best-6-month-cd-rates/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Banking anchor link" data-position="2" data-text="Best 6-month CD rates" data-outcome="send to Best 6-month CD rates" > Best 6-month CD rates</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/banking/cds/best-1-year-cd-rates/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Banking anchor link" data-position="3" data-text="Best 1-year CD rates" data-outcome="send to Best 1-year CD rates" > Best 1-year CD rates</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/banking/cds/best-5-year-cd-rates/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Banking anchor link" data-position="4" data-text="Best 5-year CD rates" data-outcome="send to Best 5-year CD rates" > Best 5-year CD rates</a> </li> </ul> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Get guidance</p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/banking/cds/cd-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Banking nav - CDs subcategory featured link" data-position="1" data-text="CD calculator" data-outcome="send to link" > CD calculator</a> </li> <li> <a class="SiteNavSecondaryLink" href="/banking/cds/cd-ladder-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Banking nav - CDs subcategory featured link" data-position="2" data-text="CD ladder calculator" data-outcome="send to link" > CD ladder calculator</a> </li> <li> <a class="SiteNavSecondaryLink" href="/banking/cds/todays-cd-rates/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Banking nav - CDs subcategory featured link" data-position="3" data-text="CD rate trends" data-outcome="send to link" > CD rate trends</a> </li> <li> <a class="SiteNavSecondaryLink" href="/banking/cds/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Banking nav - CDs subcategory featured link" data-position="4" data-text="CD resources" data-outcome="send to link" > CD resources</a> </li> </ul> <ul class="SiteNavFeaturedLinkList"> <li> <a class="SiteNavFeaturedLink" href="/banking/cds/what-is-a-cd/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Banking nav - CDs subcategory link" data-position="1" data-text="CD basics" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/a7b9c5207a/cd-basics.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/a7b9c5207a/cd-basics.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/a7b9c5207a/cd-basics.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">CD basics</span> <span class="SiteNavFeaturedLink-supportText">7 min read</span> </div> </a> </li> <li> <a class="SiteNavFeaturedLink" href="/banking/cds/how-to-invest-in-cds/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Banking nav - CDs subcategory link" data-position="2" data-text="How to invest with CDs" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/4b0ced533f/how-to-invest-with-cds.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/4b0ced533f/how-to-invest-with-cds.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/4b0ced533f/how-to-invest-with-cds.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">How to invest with CDs</span> <span class="SiteNavFeaturedLink-supportText">6 min read</span> </div> </a> </li> </ul> </div> </div> </div> </div> <div class="SiteNavSubcategory-panel" :class="{ 'is-active': isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement))) }" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavTopicOverview"> <p class="SiteNavTopicOverview-heading" role="heading">Money market accounts</p> <p class="SiteNavTopicOverview-copy">Money market accounts are similar to savings accounts, but offer some checking features as well.</p> <a href="/banking/money-market/rates/" class="Button Button--primary"data-beam-element-clicked data-type="button" data-location="site-nav" data-name="Banking nav - Money market subcategory CTA" data-position="1" data-text="View MMA rates" data-outcome="send to link" data-category="Banking"> View MMA rates</a> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Get guidance</p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/banking/mma/what-is-a-money-market-account/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Banking nav - Money market subcategory featured link" data-position="1" data-text="Money market basics" data-outcome="send to link" > Money market basics</a> </li> <li> <a class="SiteNavSecondaryLink" href="/banking/money-market-account-vs-savings-account/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Banking nav - Money market subcategory featured link" data-position="2" data-text="Money market vs savings accounts" data-outcome="send to link" > Money market vs savings accounts</a> </li> <li> <a class="SiteNavSecondaryLink" href="/banking/mma/how-does-a-money-market-account-work/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Banking nav - Money market subcategory featured link" data-position="3" data-text="How does an MMA work?" data-outcome="send to link" > How does an MMA work?</a> </li> <li> <a class="SiteNavSecondaryLink" href="/banking/mma/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Banking nav - Money market subcategory featured link" data-position="4" data-text="MMA resources" data-outcome="send to link" > MMA resources</a> </li> </ul> </div> </div> </div> </div> <div class="SiteNavSubcategory-panel" :class="{ 'is-active': isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement))) }" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavTopicOverview"> <p class="SiteNavTopicOverview-heading" role="heading">Banking</p> <p class="SiteNavTopicOverview-copy">Unlock financial rewards by signing up for a savings or checking account with a bonus offer.</p> <a href="/banking/best-bank-account-bonuses/" class="Button Button--primary"data-beam-element-clicked data-type="button" data-location="site-nav" data-name="Banking nav - Banks subcategory CTA" data-position="1" data-text="Best bank bonuses" data-outcome="send to link" data-category="Banking"> Best bank bonuses</a> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Get guidance</p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/awards/2025/best-banks/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Banking nav - Banks subcategory featured link" data-position="1" data-text="Best banks of 2025" data-outcome="send to link" > Best banks of 2025</a> </li> <li> <a class="SiteNavSecondaryLink" href="/banking/best-online-banks/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Banking nav - Banks subcategory featured link" data-position="2" data-text="Best online banks" data-outcome="send to link" > Best online banks</a> </li> <li> <a class="SiteNavSecondaryLink" href="/banking/reviews/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Banking nav - Banks subcategory featured link" data-position="3" data-text="Bank reviews" data-outcome="send to link" > Bank reviews</a> </li> <li> <a class="SiteNavSecondaryLink" href="/banking/federal-reserve/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Banking nav - Banks subcategory featured link" data-position="4" data-text="Federal Reserve news " data-outcome="send to link" > Federal Reserve news </a> </li> </ul> <ul class="SiteNavFeaturedLinkList"> <li> <a class="SiteNavFeaturedLink" href="/banking/reviews/capital-one/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Banking nav - Banks subcategory link" data-position="1" data-text="Capital One review" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/d50369eb56/capital-one-review.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/d50369eb56/capital-one-review.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/d50369eb56/capital-one-review.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">Capital One review</span> <span class="SiteNavFeaturedLink-supportText">Our take on Capital One Bank</span> </div> </a> </li> <li> <a class="SiteNavFeaturedLink" href="/banking/reviews/marcus/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Banking nav - Banks subcategory link" data-position="2" data-text="Marcus review" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/d121fa8bad/marcus-review.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/d121fa8bad/marcus-review.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/d121fa8bad/marcus-review.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">Marcus review</span> <span class="SiteNavFeaturedLink-supportText">Our take on Marcus by Goldman Sachs</span> </div> </a> </li> </ul> </div> </div> </div> </div> </div> </div> <div class="SiteNavSubcategory-categoryLinkContainer"> <a href="/banking/" class="SiteNavSubcategory-categoryLink" @keydown.tab="focusNextSubcategoryTab" @keydown.down="$event.preventDefault()" data-beam-element-clicked data-type="LINK" data-location="site-nav" data-name="Banking hub link - desktop nav" data-position="bottom" data-text="Explore all Banking resources" data-outcome="send to link" > Explore all banking resources <svg class="Icon Icon--sm text-blue" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Arrow Right Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M12.29 18.69c.2.19.45.29.71.29V19c.25 0 .5-.09.7-.29l6.01-6c.18-.19.29-.44.29-.71 0-.27-.1-.52-.29-.71l-6.01-6a.996.996 0 1 0-1.41 1.41l4.3 4.3H4c-.55 0-1 .45-1 1s.45 1 1 1h12.58l-4.29 4.28a.996.996 0 0 0 0 1.41Z" class="icon-base"/></svg></a> </div> </div> </div> </div> </div> </li> <li x-cloak class="SiteNavCategory" id="category-2" @mouseenter="focusCategory($el)" @mouseleave="blurCategory" x-data> <a class="SiteNavCategory-link" href="/mortgages/" data-js-selector="siteNavCategorylink2" data-preamp="nav-category-item" @focus="focusCategory($el.parentElement)" @click="handleCategoryClick" @keydown.tab.prevent="keydownCategory('tab', 2, 7);" @keydown.right.prevent="keydownCategory('right', 2, 7);" @keydown.left.prevent="keydownCategory('left', 2, 7);" @keydown.down.prevent="keydownCategory('down', 2, 7);" @keydown.up.prevent="keydownCategory('up', 2, 7);" @keydown.home.prevent="keydownCategory('home', 2, 7);" @keydown.end.prevent="keydownCategory('end', 2, 7);" @keydown.space.prevent="keydownCategory('space', 2, 7);" @keydown.enter.prevent="keydownCategory('enter', 2, 7);" :tabindex="isMobile && !isNavOpen ? -1 : 0" data-beam-element-clicked data-type="link" data-location="site-nav" data-name="top-level" data-position="2" data-text="Mortgages" data-outcome="send to mortgages hub" > <span class="SiteNavCategory-label"> Mortgages</span> <svg class="SiteNavCategory-icon SiteNavCategory-arrow" aria-hidden="true" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Right Icon</title><path d="M8.168 21a1.39 1.39 0 0 1-.938-.379c-.51-.51-.51-1.35 0-1.86l6.744-6.75L7.23 5.242c-.51-.51-.51-1.35 0-1.86a1.32 1.32 0 0 1 1.859 0l7.681 7.689c.51.51.51 1.35 0 1.86l-7.681 7.69A1.29 1.29 0 0 1 8.15 21h.017Z" class="icon-base"/></svg></a> <div x-ref="flyout" class="SiteNavCategory-flyout" id="siteNavCategory-flyout-mortgages" data-beam-element-viewed data-type="drawer" data-location="site-nav" data-name="top-level-hover" data-position="2" data-text="Mortgages" data-outcome="open default mortgages container" > <div class="SiteNavCategory-panel" x-ref="siteNavCategoryPanel"> <div class="SiteNavMobile-sticky"> <button class="SiteNavMobile-back" @click="deactivateCategory" x-ref="backToCategoriesButton" @keydown.prevent="keyDownBackToCategoriesButton" aria-label="Back to all categories"> <svg class="Icon Icon--xs" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Left Icon</title><path d="M15.85 21a1.36 1.36 0 0 1-.938-.379L7.23 12.932c-.51-.51-.51-1.35 0-1.86l7.681-7.69a1.32 1.32 0 0 1 1.86 0c.51.511.51 1.35 0 1.861l-6.745 6.75 6.744 6.751c.51.51.51 1.35 0 1.86a1.29 1.29 0 0 1-.937.38l.016.016Z" class="icon-base"/></svg>All </button> </div> <div class="SiteNavSubcategory" x-id="['subcategory']"> <div class="SiteNavSubcategory-tabsContainer"> <div id="mortgages-tablist" class="SiteNavSubcategory-categoryTitle"> Mortgages</div> <div class="SiteNavSubcategory-tabs" x-ref="siteNavTablist" @keydown.prevent="keydownSubcategoryTabs" role="tablist" aria-labelledby="mortgages-tablist"> <button class="SiteNavSubcategory-tab" :class="isActiveSubcategory($el.id) ? 'is-active' : ''" type="button" role="tab" @mouseover="handleSubcategoryMouseOver" @click="handleSubcategoryClick" @mousedown.prevent @focus="activateSubcategory($el.id)" :id="$id('subcategory', whichChild($el, $el.parentElement))" :tabindex="isActiveSubcategory($el.id) ? 0 : -1" :aria-selected="isActiveSubcategory($el.id)" data-subcategory-name="Purchase" data-position="1"> Purchase<svg class="Icon Icon--xs" aria-hidden="true" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Right Icon</title><path d="M8.168 21a1.39 1.39 0 0 1-.938-.379c-.51-.51-.51-1.35 0-1.86l6.744-6.75L7.23 5.242c-.51-.51-.51-1.35 0-1.86a1.32 1.32 0 0 1 1.859 0l7.681 7.689c.51.51.51 1.35 0 1.86l-7.681 7.69A1.29 1.29 0 0 1 8.15 21h.017Z" class="icon-base"/></svg></button> <button class="SiteNavSubcategory-tab" :class="isActiveSubcategory($el.id) ? 'is-active' : ''" type="button" role="tab" @mouseover="handleSubcategoryMouseOver" @click="handleSubcategoryClick" @mousedown.prevent @focus="activateSubcategory($el.id)" :id="$id('subcategory', whichChild($el, $el.parentElement))" :tabindex="isActiveSubcategory($el.id) ? 0 : -1" :aria-selected="isActiveSubcategory($el.id)" data-subcategory-name="Refinance" data-position="2"> Refinance<svg class="Icon Icon--xs" aria-hidden="true" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Right Icon</title><path d="M8.168 21a1.39 1.39 0 0 1-.938-.379c-.51-.51-.51-1.35 0-1.86l6.744-6.75L7.23 5.242c-.51-.51-.51-1.35 0-1.86a1.32 1.32 0 0 1 1.859 0l7.681 7.689c.51.51.51 1.35 0 1.86l-7.681 7.69A1.29 1.29 0 0 1 8.15 21h.017Z" class="icon-base"/></svg></button> <button class="SiteNavSubcategory-tab" :class="isActiveSubcategory($el.id) ? 'is-active' : ''" type="button" role="tab" @mouseover="handleSubcategoryMouseOver" @click="handleSubcategoryClick" @mousedown.prevent @focus="activateSubcategory($el.id)" :id="$id('subcategory', whichChild($el, $el.parentElement))" :tabindex="isActiveSubcategory($el.id) ? 0 : -1" :aria-selected="isActiveSubcategory($el.id)" data-subcategory-name="Real estate" data-position="3"> Real estate<svg class="Icon Icon--xs" aria-hidden="true" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Right Icon</title><path d="M8.168 21a1.39 1.39 0 0 1-.938-.379c-.51-.51-.51-1.35 0-1.86l6.744-6.75L7.23 5.242c-.51-.51-.51-1.35 0-1.86a1.32 1.32 0 0 1 1.859 0l7.681 7.689c.51.51.51 1.35 0 1.86l-7.681 7.69A1.29 1.29 0 0 1 8.15 21h.017Z" class="icon-base"/></svg></button> </div> <div class="SiteNavSubcategory-categoryLinkContainer" @keydown.left.prevent="keydownSubcategoryTabs" @keydown.up.prevent="keydownSubcategoryTabs" @keydown.right.prevent="keydownSubcategoryTabs" @keydown.down.prevent="keydownSubcategoryTabs" @keydown.tab.prevent="keydownSubcategoryTabs"> <a href="/mortgages/" class="SiteNavSubcategory-categoryLink" x-ref="siteNavCategoryLinkMobile" @keydown.space.prevent="$el.click()" @keydown.enter.prevent="$el.click()" data-beam-element-clicked data-type="LINK" data-location="site-nav" data-name="Mortgages hub link - mobile nav" data-position="bottom" data-text="Explore all Mortgages resources" data-outcome="send to link" > Explore all mortgages resources <svg class="Icon Icon--sm text-blue" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Arrow Right Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M12.29 18.69c.2.19.45.29.71.29V19c.25 0 .5-.09.7-.29l6.01-6c.18-.19.29-.44.29-.71 0-.27-.1-.52-.29-.71l-6.01-6a.996.996 0 1 0-1.41 1.41l4.3 4.3H4c-.55 0-1 .45-1 1s.45 1 1 1h12.58l-4.29 4.28a.996.996 0 0 0 0 1.41Z" class="icon-base"/></svg></a> </div> </div> <div class="SiteNavSubcategory-content" :class="{ 'is-active': showSubcategoryView }" @keydown.up.prevent="keydownSubcategoryLinks($el.querySelector('.is-active'), $event)"> <div class="SiteNavSubcategory-panelsContainer" x-ref="siteNavSubcategoryPanelsContainer"> <div class="SiteNavMobile-sticky"> <button class="SiteNavMobile-back" @click="deactivateSubcategory" x-ref="backToSubcategoriesButton" @keydown.prevent="keyDownBackToSubcategoriesButton" aria-label="Back to Mortgages category"> <svg class="Icon Icon--xs" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Left Icon</title><path d="M15.85 21a1.36 1.36 0 0 1-.938-.379L7.23 12.932c-.51-.51-.51-1.35 0-1.86l7.681-7.69a1.32 1.32 0 0 1 1.86 0c.51.511.51 1.35 0 1.861l-6.745 6.75 6.744 6.751c.51.51.51 1.35 0 1.86a1.29 1.29 0 0 1-.937.38l.016.016Z" class="icon-base"/></svg> Mortgages</button> </div> <div class="SiteNavSubcategory-categoryTitle" x-text="activeSubcategoryName"></div> <div class="SiteNavSubcategory-panels" tabindex="-1"> <div class="SiteNavSubcategory-panel" :class="{ 'is-active': isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement))) }" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavPrimaryLinkList"> <p class="SiteNavPrimaryLinkList-eyebrow">Compare rates</p> <ul class="SiteNavPrimaryLinkList-list"> <li class="SiteNavPrimaryLinkList-item"> <a href="/mortgages/mortgage-rates/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Homes anchor link" data-position="1" data-text="Mortgage rates" data-outcome="send to Mortgage rates" > Mortgage rates</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/mortgages/30-year-mortgage-rates/?disablePre=1" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Homes anchor link" data-position="2" data-text="30-year mortgage rates" data-outcome="send to 30-year mortgage rates" > 30-year mortgage rates</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/mortgages/15-year-mortgage-rates/?disablePre=1" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Homes anchor link" data-position="3" data-text="15-year mortgage rates" data-outcome="send to 15-year mortgage rates" > 15-year mortgage rates</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/mortgages/va-loan-rates/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Homes anchor link" data-position="4" data-text="VA loan rates" data-outcome="send to VA loan rates" > VA loan rates</a> </li> </ul> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Get guidance</p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/mortgages/mortgage-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Mortgages nav - Purchase subcategory featured link" data-position="1" data-text="Mortgage calculator" data-outcome="send to link" > Mortgage calculator</a> </li> <li> <a class="SiteNavSecondaryLink" href="/mortgages/amortization-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Mortgages nav - Purchase subcategory featured link" data-position="2" data-text="Amortization calculator" data-outcome="send to link" > Amortization calculator</a> </li> <li> <a class="SiteNavSecondaryLink" href="/mortgages/todays-rates/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Mortgages nav - Purchase subcategory featured link" data-position="3" data-text="Mortgage rate news" data-outcome="send to link" > Mortgage rate news</a> </li> <li> <a class="SiteNavSecondaryLink" href="/mortgages/best-lenders/best-mortgage-lenders/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Mortgages nav - Purchase subcategory featured link" data-position="4" data-text="Best mortgage lenders" data-outcome="send to link" > Best mortgage lenders</a> </li> <li> <a class="SiteNavSecondaryLink" href="/mortgages/reviews/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Mortgages nav - Purchase subcategory featured link" data-position="5" data-text="Read lender reviews" data-outcome="send to link" > Read lender reviews</a> </li> </ul> <ul class="SiteNavFeaturedLinkList"> <li> <a class="SiteNavFeaturedLink" href="/mortgages/how-to-get-a-mortgage/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Mortgages nav - Purchase subcategory link" data-position="1" data-text="How to get a mortgage" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/4037e1299d/how-to-get-a-mortgage.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/4037e1299d/how-to-get-a-mortgage.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/4037e1299d/how-to-get-a-mortgage.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">How to get a mortgage</span> <span class="SiteNavFeaturedLink-supportText">11 min read</span> </div> </a> </li> <li> <a class="SiteNavFeaturedLink" href="/mortgages/first-time-homebuyer-loans-and-programs/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Mortgages nav - Purchase subcategory link" data-position="2" data-text="First-time homebuyer programs" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/8889d553d1/best-mortgage-lenders-nav-imagery.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/8889d553d1/best-mortgage-lenders-nav-imagery.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/8889d553d1/best-mortgage-lenders-nav-imagery.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">First-time homebuyer programs</span> <span class="SiteNavFeaturedLink-supportText">11 min read</span> </div> </a> </li> </ul> </div> </div> </div> </div> <div class="SiteNavSubcategory-panel" :class="{ 'is-active': isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement))) }" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavPrimaryLinkList"> <p class="SiteNavPrimaryLinkList-eyebrow">Compare rates</p> <ul class="SiteNavPrimaryLinkList-list"> <li class="SiteNavPrimaryLinkList-item"> <a href="/mortgages/refinance-rates/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Homes anchor link" data-position="1" data-text="Refinance rates" data-outcome="send to Refinance rates" > Refinance rates</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/mortgages/cash-out-refinance-rates/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Homes anchor link" data-position="2" data-text="Cash-out refinance rates" data-outcome="send to Cash-out refinance rates" > Cash-out refinance rates</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/mortgages/30-year-refinance-rates/?disablePre=1" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Homes anchor link" data-position="3" data-text="30-year refinance rates" data-outcome="send to 30-year refinance rates" > 30-year refinance rates</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/mortgages/15-year-refinance-rates/?disablePre=1" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Homes anchor link" data-position="4" data-text="15-year refinance rates" data-outcome="send to 15-year refinance rates" > 15-year refinance rates</a> </li> </ul> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Get guidance</p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/mortgages/refinance-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Mortgages nav - Refinance subcategory featured link" data-position="1" data-text="Mortgage refinance calculator" data-outcome="send to link" > Mortgage refinance calculator</a> </li> <li> <a class="SiteNavSecondaryLink" href="/mortgages/best-lenders/refinance-mortgage-lenders/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Mortgages nav - Refinance subcategory featured link" data-position="2" data-text="Best refinance lenders" data-outcome="send to link" > Best refinance lenders</a> </li> <li> <a class="SiteNavSecondaryLink" href="/mortgages/best-lenders/cash-out-refinance-lenders/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Mortgages nav - Refinance subcategory featured link" data-position="3" data-text="Best cash-out refinance lenders" data-outcome="send to link" > Best cash-out refinance lenders</a> </li> <li> <a class="SiteNavSecondaryLink" href="/mortgages/refinancing/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Mortgages nav - Refinance subcategory featured link" data-position="4" data-text="Mortgage refinance resources" data-outcome="send to link" > Mortgage refinance resources</a> </li> </ul> <ul class="SiteNavFeaturedLinkList"> <li> <a class="SiteNavFeaturedLink" href="/mortgages/how-does-refinancing-a-mortgage-work/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Mortgages nav - Refinance subcategory link" data-position="1" data-text="How to refinance your mortgage" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1442x1440/d475e14a0e/home-equity-lender-reviews-nav-imagery.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1442x1440/d475e14a0e/home-equity-lender-reviews-nav-imagery.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1442x1440/d475e14a0e/home-equity-lender-reviews-nav-imagery.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">How to refinance your mortgage</span> <span class="SiteNavFeaturedLink-supportText">12 min read</span> </div> </a> </li> <li> <a class="SiteNavFeaturedLink" href="/mortgages/cash-out-refinancing/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Mortgages nav - Refinance subcategory link" data-position="2" data-text="Cash-out refinancing guide" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/e9e92b7729/home-equity-heloc-guide-nav-imagery.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/e9e92b7729/home-equity-heloc-guide-nav-imagery.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/e9e92b7729/home-equity-heloc-guide-nav-imagery.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">Cash-out refinancing guide</span> <span class="SiteNavFeaturedLink-supportText">9 min read</span> </div> </a> </li> </ul> </div> </div> </div> </div> <div class="SiteNavSubcategory-panel" :class="{ 'is-active': isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement))) }" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavTopicOverview"> <p class="SiteNavTopicOverview-heading" role="heading">Buying & selling</p> <p class="SiteNavTopicOverview-copy">Find an expert who knows the market. 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'is-active' : ''" type="button" role="tab" @mouseover="handleSubcategoryMouseOver" @click="handleSubcategoryClick" @mousedown.prevent @focus="activateSubcategory($el.id)" :id="$id('subcategory', whichChild($el, $el.parentElement))" :tabindex="isActiveSubcategory($el.id) ? 0 : -1" :aria-selected="isActiveSubcategory($el.id)" data-subcategory-name="Guides & resources" data-position="4"> Guides & resources<svg class="Icon Icon--xs" aria-hidden="true" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Right Icon</title><path d="M8.168 21a1.39 1.39 0 0 1-.938-.379c-.51-.51-.51-1.35 0-1.86l6.744-6.75L7.23 5.242c-.51-.51-.51-1.35 0-1.86a1.32 1.32 0 0 1 1.859 0l7.681 7.689c.51.51.51 1.35 0 1.86l-7.681 7.69A1.29 1.29 0 0 1 8.15 21h.017Z" class="icon-base"/></svg></button> </div> <div class="SiteNavSubcategory-categoryLinkContainer" @keydown.left.prevent="keydownSubcategoryTabs" @keydown.up.prevent="keydownSubcategoryTabs" @keydown.right.prevent="keydownSubcategoryTabs" @keydown.down.prevent="keydownSubcategoryTabs" @keydown.tab.prevent="keydownSubcategoryTabs"> <a href="/credit-cards/" class="SiteNavSubcategory-categoryLink" x-ref="siteNavCategoryLinkMobile" @keydown.space.prevent="$el.click()" @keydown.enter.prevent="$el.click()" data-beam-element-clicked data-type="LINK" data-location="site-nav" data-name="Credit cards hub link - mobile nav" data-position="bottom" data-text="Explore all Credit cards resources" data-outcome="send to link" > Explore all credit cards resources <svg class="Icon Icon--sm text-blue" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Arrow Right Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M12.29 18.69c.2.19.45.29.71.29V19c.25 0 .5-.09.7-.29l6.01-6c.18-.19.29-.44.29-.71 0-.27-.1-.52-.29-.71l-6.01-6a.996.996 0 1 0-1.41 1.41l4.3 4.3H4c-.55 0-1 .45-1 1s.45 1 1 1h12.58l-4.29 4.28a.996.996 0 0 0 0 1.41Z" class="icon-base"/></svg></a> </div> </div> <div class="SiteNavSubcategory-content" :class="{ 'is-active': showSubcategoryView }" @keydown.up.prevent="keydownSubcategoryLinks($el.querySelector('.is-active'), $event)"> <div class="SiteNavSubcategory-panelsContainer" x-ref="siteNavSubcategoryPanelsContainer"> <div class="SiteNavMobile-sticky"> <button class="SiteNavMobile-back" @click="deactivateSubcategory" x-ref="backToSubcategoriesButton" @keydown.prevent="keyDownBackToSubcategoriesButton" aria-label="Back to Credit cards category"> <svg class="Icon Icon--xs" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Left Icon</title><path d="M15.85 21a1.36 1.36 0 0 1-.938-.379L7.23 12.932c-.51-.51-.51-1.35 0-1.86l7.681-7.69a1.32 1.32 0 0 1 1.86 0c.51.511.51 1.35 0 1.861l-6.745 6.75 6.744 6.751c.51.51.51 1.35 0 1.86a1.29 1.29 0 0 1-.937.38l.016.016Z" class="icon-base"/></svg> Credit cards</button> </div> <div class="SiteNavSubcategory-categoryTitle" x-text="activeSubcategoryName"></div> <div class="SiteNavSubcategory-panels" tabindex="-1"> <div class="SiteNavSubcategory-panel" :class="{ 'is-active': isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement))) }" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavPrimaryLinkList"> <p class="SiteNavPrimaryLinkList-eyebrow">Compare cards</p> <ul class="SiteNavPrimaryLinkList-list SiteNavPrimaryLinkList-list--twoColumns"> <li class="SiteNavPrimaryLinkList-item"> <a href="/credit-cards/best-credit-cards/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Credit cards anchor link" data-position="1" data-text="Best cards of 2025" data-outcome="send to Best cards of 2025" > Best cards of 2025</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/credit-cards/cash-back/best-cash-back-cards/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Credit cards anchor link" data-position="2" data-text="Best cash back cards" data-outcome="send to Best cash back cards" > Best cash back cards</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/credit-cards/balance-transfer/best-balance-transfer-cards/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Credit cards anchor link" data-position="3" data-text="Best balance transfer cards" data-outcome="send to Best balance transfer cards" > Best balance transfer cards</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/credit-cards/zero-interest/best-zero-interest-cards/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Credit cards anchor link" data-position="4" data-text="Best 0% APR cards" data-outcome="send to Best 0% APR cards" > Best 0% APR cards</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/credit-cards/travel/best-travel-cards/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Credit cards anchor link" data-position="5" data-text="Best travel cards" data-outcome="send to Best travel cards" > Best travel cards</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/credit-cards/rewards/best-rewards-cards/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Credit cards anchor link" data-position="6" data-text="Best rewards cards" data-outcome="send to Best rewards cards" > Best rewards cards</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/credit-cards/business/best-business-cards/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Credit cards anchor link" data-position="7" data-text="Best business cards" data-outcome="send to Best business cards" > Best business cards</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/credit-cards/building-credit/best-student-cards/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Credit cards anchor link" data-position="8" data-text="Best student cards" data-outcome="send to Best student cards" > Best student cards</a> </li> </ul> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Find my matches</p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavFeaturedLinkList"> <li> <a class="SiteNavFeaturedLink" href="/credit-cards/tools/cardmatch/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Credit cards nav - Cards by category subcategory link" data-position="1" data-text="CardMatch™" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/4f02ac6944/cardmatch-nav-imagery.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/4f02ac6944/cardmatch-nav-imagery.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/4f02ac6944/cardmatch-nav-imagery.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">CardMatch™</span> <span class="SiteNavFeaturedLink-supportText">Get personalized card recommendations</span> </div> </a> </li> <li> <a class="SiteNavFeaturedLink" href="/credit-cards/tools/compare/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Credit cards nav - Cards by category subcategory link" data-position="2" data-text="Card comparison tool" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/10ad7295ae/card-comparison-tool-nav-imagery.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/10ad7295ae/card-comparison-tool-nav-imagery.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/10ad7295ae/card-comparison-tool-nav-imagery.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">Card comparison tool</span> <span class="SiteNavFeaturedLink-supportText">Compare credit cards side-by-side</span> </div> </a> </li> </ul> </div> </div> </div> </div> <div class="SiteNavSubcategory-panel" :class="{ 'is-active': isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement))) }" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavTopicOverview"> <p class="SiteNavTopicOverview-heading" role="heading">See your card matches</p> <p class="SiteNavTopicOverview-copy">Answer a few quick questions and we’ll show you your top credit card options. </p> <a href="/credit-cards/tools/cardmatch/" class="Button Button--primary"data-beam-element-clicked data-type="button" data-location="site-nav" data-name="Credit cards nav - Cards by credit subcategory CTA" data-position="1" data-text="Find my matches" data-outcome="send to link" data-category="Credit cards"> Find my matches</a> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Compare cards</p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/credit-cards/rewards/best-for-excellent-credit/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Credit cards nav - Cards by credit subcategory featured link" data-position="1" data-text="Excellent credit" data-outcome="send to link" > Excellent credit</a> </li> <li> <a class="SiteNavSecondaryLink" href="/credit-cards/building-credit/best-for-good-credit/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Credit cards nav - Cards by credit subcategory featured link" data-position="2" data-text="Good credit" data-outcome="send to link" > Good credit</a> </li> <li> <a class="SiteNavSecondaryLink" href="/credit-cards/building-credit/best-for-fair-credit/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Credit cards nav - Cards by credit subcategory featured link" data-position="3" data-text="Fair credit" data-outcome="send to link" > Fair credit</a> </li> <li> <a class="SiteNavSecondaryLink" href="/credit-cards/bad-credit/best-for-bad-credit/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Credit cards nav - Cards by credit subcategory featured link" data-position="4" data-text="Bad credit" data-outcome="send to link" > Bad credit</a> </li> </ul> <ul class="SiteNavFeaturedLinkList"> <li> <a class="SiteNavFeaturedLink" href="/credit-cards/bad-credit/how-to-build-credit-fast/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Credit cards nav - Cards by credit subcategory link" data-position="1" data-text="How to build credit" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/2e8651b174/how-to-build-credit-nav-imagery.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/2e8651b174/how-to-build-credit-nav-imagery.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/2e8651b174/how-to-build-credit-nav-imagery.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">How to build credit</span> <span class="SiteNavFeaturedLink-supportText">7 min read</span> </div> </a> </li> <li> <a class="SiteNavFeaturedLink" href="/credit-cards/building-credit/best-for-no-credit-history/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Credit cards nav - Cards by credit subcategory link" data-position="2" data-text="Best cards for building credit" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/5a53191033/best-cards-for-building-credit-nav-imagery.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/5a53191033/best-cards-for-building-credit-nav-imagery.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/5a53191033/best-cards-for-building-credit-nav-imagery.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">Best cards for building credit</span> <span class="SiteNavFeaturedLink-supportText">Find out which credit cards could help</span> </div> </a> </li> </ul> </div> </div> </div> </div> <div class="SiteNavSubcategory-panel" :class="{ 'is-active': isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement))) }" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavTopicOverview"> <p class="SiteNavTopicOverview-heading" role="heading">See what the experts say</p> <p class="SiteNavTopicOverview-copy">Read in-depth credit card reviews to find out which cards have the best perks and more. </p> <a href="/credit-cards/reviews/" class="Button Button--primary"data-beam-element-clicked data-type="button" data-location="site-nav" data-name="Credit cards nav - Tools & reviews subcategory CTA" data-position="1" data-text="Read card reviews" data-outcome="send to link" data-category="Credit cards"> Read card reviews</a> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Get guidance</p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/credit-cards/tools/credit-card-payoff-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Credit cards nav - Tools & reviews subcategory featured link" data-position="1" data-text="Credit card payoff calculator" data-outcome="send to link" > Credit card payoff calculator</a> </li> <li> <a class="SiteNavSecondaryLink" href="/credit-cards/tools/credit-card-balance-transfer-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Credit cards nav - Tools & reviews subcategory featured link" data-position="2" data-text="Balance transfer calculator" data-outcome="send to link" > Balance transfer calculator</a> </li> <li> <a class="SiteNavSecondaryLink" href="/credit-cards/tools/credit-utilization-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Credit cards nav - Tools & reviews subcategory featured link" data-position="3" data-text="Credit utilization calculator" data-outcome="send to link" > Credit utilization calculator</a> </li> <li> <a class="SiteNavSecondaryLink" href="/credit-cards/tools/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Credit cards nav - Tools & reviews subcategory featured link" data-position="4" data-text="All credit card calculators" data-outcome="send to link" > All credit card calculators</a> </li> </ul> <ul class="SiteNavFeaturedLinkList"> <li> <a class="SiteNavFeaturedLink" href="/credit-cards/tools/spender-type-tool/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Credit cards nav - Tools & reviews subcategory link" data-position="1" data-text="Spender type tool" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/43548bf9cd/spender-type-tool-nav-imagery.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/43548bf9cd/spender-type-tool-nav-imagery.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/43548bf9cd/spender-type-tool-nav-imagery.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">Spender type tool</span> <span class="SiteNavFeaturedLink-supportText">Find cards that fit your needs</span> </div> </a> </li> </ul> </div> </div> </div> </div> <div class="SiteNavSubcategory-panel" :class="{ 'is-active': isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement))) }" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavPrimaryLinkList"> <p class="SiteNavPrimaryLinkList-eyebrow">Get advice</p> <ul class="SiteNavPrimaryLinkList-list SiteNavPrimaryLinkList-list--twoColumns"> <li class="SiteNavPrimaryLinkList-item"> <a href="/credit-cards/advice/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Credit cards anchor link" data-position="1" data-text="Credit cards 101" data-outcome="send to Credit cards 101" > Credit cards 101</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/credit-cards/balance-transfer/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Credit cards anchor link" data-position="2" data-text="Balance transfer advice" data-outcome="send to Balance transfer advice" > Balance transfer advice</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/credit-cards/zero-interest/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Credit cards anchor link" data-position="3" data-text="Zero interest credit cards" data-outcome="send to Zero interest credit cards" > Zero interest credit cards</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/credit-cards/rewards/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Credit cards anchor link" data-position="4" data-text="Rewards credit card advice" data-outcome="send to Rewards credit card advice" > Rewards credit card advice</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/credit-cards/cash-back/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Credit cards anchor link" data-position="5" data-text="Cash back credit card advice" data-outcome="send to Cash back credit card advice" > Cash back credit card advice</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/credit-cards/travel/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Credit cards anchor link" data-position="6" data-text="Travel credit card advice" data-outcome="send to Travel credit card advice" > Travel credit card advice</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/credit-cards/business/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Credit cards anchor link" data-position="7" data-text="Business credit card advice" data-outcome="send to Business credit card advice" > Business credit card advice</a> </li> </ul> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Build credit</p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/credit-cards/bad-credit/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Credit cards nav - Guides & resources subcategory featured link" data-position="1" data-text="Advice for bad credit" data-outcome="send to link" > Advice for bad credit</a> </li> <li> <a class="SiteNavSecondaryLink" href="/credit-cards/building-credit/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Credit cards nav - Guides & resources subcategory featured link" data-position="2" data-text="Rebuilding credit score" data-outcome="send to link" > Rebuilding credit score</a> </li> </ul> </div> </div> </div> </div> </div> </div> <div class="SiteNavSubcategory-categoryLinkContainer"> <a href="/credit-cards/" class="SiteNavSubcategory-categoryLink" @keydown.tab="focusNextSubcategoryTab" @keydown.down="$event.preventDefault()" data-beam-element-clicked data-type="LINK" data-location="site-nav" data-name="Credit cards hub link - desktop nav" data-position="bottom" data-text="Explore all Credit cards resources" data-outcome="send to link" > Explore all credit cards resources <svg class="Icon Icon--sm text-blue" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Arrow Right Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M12.29 18.69c.2.19.45.29.71.29V19c.25 0 .5-.09.7-.29l6.01-6c.18-.19.29-.44.29-.71 0-.27-.1-.52-.29-.71l-6.01-6a.996.996 0 1 0-1.41 1.41l4.3 4.3H4c-.55 0-1 .45-1 1s.45 1 1 1h12.58l-4.29 4.28a.996.996 0 0 0 0 1.41Z" class="icon-base"/></svg></a> </div> </div> </div> </div> </div> </li> <li x-cloak class="SiteNavCategory" id="category-5" @mouseenter="focusCategory($el)" @mouseleave="blurCategory" x-data> <a class="SiteNavCategory-link" href="/loans/" data-js-selector="siteNavCategorylink5" data-preamp="nav-category-item" @focus="focusCategory($el.parentElement)" @click="handleCategoryClick" @keydown.tab.prevent="keydownCategory('tab', 5, 7);" @keydown.right.prevent="keydownCategory('right', 5, 7);" @keydown.left.prevent="keydownCategory('left', 5, 7);" @keydown.down.prevent="keydownCategory('down', 5, 7);" @keydown.up.prevent="keydownCategory('up', 5, 7);" @keydown.home.prevent="keydownCategory('home', 5, 7);" @keydown.end.prevent="keydownCategory('end', 5, 7);" @keydown.space.prevent="keydownCategory('space', 5, 7);" @keydown.enter.prevent="keydownCategory('enter', 5, 7);" :tabindex="isMobile && !isNavOpen ? -1 : 0" data-beam-element-clicked data-type="link" data-location="site-nav" data-name="top-level" data-position="5" data-text="Loans" data-outcome="send to loans hub" > <span class="SiteNavCategory-label"> Loans</span> <svg class="SiteNavCategory-icon SiteNavCategory-arrow" aria-hidden="true" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Right Icon</title><path d="M8.168 21a1.39 1.39 0 0 1-.938-.379c-.51-.51-.51-1.35 0-1.86l6.744-6.75L7.23 5.242c-.51-.51-.51-1.35 0-1.86a1.32 1.32 0 0 1 1.859 0l7.681 7.689c.51.51.51 1.35 0 1.86l-7.681 7.69A1.29 1.29 0 0 1 8.15 21h.017Z" class="icon-base"/></svg></a> <div x-ref="flyout" class="SiteNavCategory-flyout" id="siteNavCategory-flyout-loans" data-beam-element-viewed data-type="drawer" data-location="site-nav" data-name="top-level-hover" data-position="5" data-text="Loans" data-outcome="open default loans container" > <div class="SiteNavCategory-panel" x-ref="siteNavCategoryPanel"> <div class="SiteNavMobile-sticky"> <button class="SiteNavMobile-back" @click="deactivateCategory" x-ref="backToCategoriesButton" @keydown.prevent="keyDownBackToCategoriesButton" aria-label="Back to all categories"> <svg class="Icon Icon--xs" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Left Icon</title><path d="M15.85 21a1.36 1.36 0 0 1-.938-.379L7.23 12.932c-.51-.51-.51-1.35 0-1.86l7.681-7.69a1.32 1.32 0 0 1 1.86 0c.51.511.51 1.35 0 1.861l-6.745 6.75 6.744 6.751c.51.51.51 1.35 0 1.86a1.29 1.29 0 0 1-.937.38l.016.016Z" class="icon-base"/></svg>All </button> </div> <div class="SiteNavSubcategory" x-id="['subcategory']"> <div class="SiteNavSubcategory-tabsContainer"> <div id="loans-tablist" class="SiteNavSubcategory-categoryTitle"> Loans</div> <div class="SiteNavSubcategory-tabs" x-ref="siteNavTablist" @keydown.prevent="keydownSubcategoryTabs" role="tablist" aria-labelledby="loans-tablist"> <button class="SiteNavSubcategory-tab" :class="isActiveSubcategory($el.id) ? 'is-active' : ''" type="button" role="tab" @mouseover="handleSubcategoryMouseOver" @click="handleSubcategoryClick" @mousedown.prevent @focus="activateSubcategory($el.id)" :id="$id('subcategory', whichChild($el, $el.parentElement))" :tabindex="isActiveSubcategory($el.id) ? 0 : -1" :aria-selected="isActiveSubcategory($el.id)" data-subcategory-name="Personal loans" data-position="1"> Personal loans<svg class="Icon Icon--xs" aria-hidden="true" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Right Icon</title><path d="M8.168 21a1.39 1.39 0 0 1-.938-.379c-.51-.51-.51-1.35 0-1.86l6.744-6.75L7.23 5.242c-.51-.51-.51-1.35 0-1.86a1.32 1.32 0 0 1 1.859 0l7.681 7.689c.51.51.51 1.35 0 1.86l-7.681 7.69A1.29 1.29 0 0 1 8.15 21h.017Z" class="icon-base"/></svg></button> <button class="SiteNavSubcategory-tab" :class="isActiveSubcategory($el.id) ? 'is-active' : ''" type="button" role="tab" @mouseover="handleSubcategoryMouseOver" @click="handleSubcategoryClick" @mousedown.prevent @focus="activateSubcategory($el.id)" :id="$id('subcategory', whichChild($el, $el.parentElement))" :tabindex="isActiveSubcategory($el.id) ? 0 : -1" :aria-selected="isActiveSubcategory($el.id)" data-subcategory-name="Auto loans" data-position="2"> Auto loans<svg class="Icon Icon--xs" aria-hidden="true" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Right Icon</title><path d="M8.168 21a1.39 1.39 0 0 1-.938-.379c-.51-.51-.51-1.35 0-1.86l6.744-6.75L7.23 5.242c-.51-.51-.51-1.35 0-1.86a1.32 1.32 0 0 1 1.859 0l7.681 7.689c.51.51.51 1.35 0 1.86l-7.681 7.69A1.29 1.29 0 0 1 8.15 21h.017Z" class="icon-base"/></svg></button> <button class="SiteNavSubcategory-tab" :class="isActiveSubcategory($el.id) ? 'is-active' : ''" type="button" role="tab" @mouseover="handleSubcategoryMouseOver" @click="handleSubcategoryClick" @mousedown.prevent @focus="activateSubcategory($el.id)" :id="$id('subcategory', whichChild($el, $el.parentElement))" :tabindex="isActiveSubcategory($el.id) ? 0 : -1" :aria-selected="isActiveSubcategory($el.id)" data-subcategory-name="Student loans" data-position="3"> Student loans<svg class="Icon Icon--xs" aria-hidden="true" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Right Icon</title><path d="M8.168 21a1.39 1.39 0 0 1-.938-.379c-.51-.51-.51-1.35 0-1.86l6.744-6.75L7.23 5.242c-.51-.51-.51-1.35 0-1.86a1.32 1.32 0 0 1 1.859 0l7.681 7.689c.51.51.51 1.35 0 1.86l-7.681 7.69A1.29 1.29 0 0 1 8.15 21h.017Z" class="icon-base"/></svg></button> <button class="SiteNavSubcategory-tab" :class="isActiveSubcategory($el.id) ? 'is-active' : ''" type="button" role="tab" @mouseover="handleSubcategoryMouseOver" @click="handleSubcategoryClick" @mousedown.prevent @focus="activateSubcategory($el.id)" :id="$id('subcategory', whichChild($el, $el.parentElement))" :tabindex="isActiveSubcategory($el.id) ? 0 : -1" :aria-selected="isActiveSubcategory($el.id)" data-subcategory-name="Small business loans" data-position="4"> Small business loans<svg class="Icon Icon--xs" aria-hidden="true" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Right Icon</title><path d="M8.168 21a1.39 1.39 0 0 1-.938-.379c-.51-.51-.51-1.35 0-1.86l6.744-6.75L7.23 5.242c-.51-.51-.51-1.35 0-1.86a1.32 1.32 0 0 1 1.859 0l7.681 7.689c.51.51.51 1.35 0 1.86l-7.681 7.69A1.29 1.29 0 0 1 8.15 21h.017Z" class="icon-base"/></svg></button> </div> <div class="SiteNavSubcategory-categoryLinkContainer" @keydown.left.prevent="keydownSubcategoryTabs" @keydown.up.prevent="keydownSubcategoryTabs" @keydown.right.prevent="keydownSubcategoryTabs" @keydown.down.prevent="keydownSubcategoryTabs" @keydown.tab.prevent="keydownSubcategoryTabs"> <a href="/loans/" class="SiteNavSubcategory-categoryLink" x-ref="siteNavCategoryLinkMobile" @keydown.space.prevent="$el.click()" @keydown.enter.prevent="$el.click()" data-beam-element-clicked data-type="LINK" data-location="site-nav" data-name="Loans hub link - mobile nav" data-position="bottom" data-text="Explore all Loans resources" data-outcome="send to link" > Explore all loans resources <svg class="Icon Icon--sm text-blue" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Arrow Right Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M12.29 18.69c.2.19.45.29.71.29V19c.25 0 .5-.09.7-.29l6.01-6c.18-.19.29-.44.29-.71 0-.27-.1-.52-.29-.71l-6.01-6a.996.996 0 1 0-1.41 1.41l4.3 4.3H4c-.55 0-1 .45-1 1s.45 1 1 1h12.58l-4.29 4.28a.996.996 0 0 0 0 1.41Z" class="icon-base"/></svg></a> </div> </div> <div class="SiteNavSubcategory-content" :class="{ 'is-active': showSubcategoryView }" @keydown.up.prevent="keydownSubcategoryLinks($el.querySelector('.is-active'), $event)"> <div class="SiteNavSubcategory-panelsContainer" x-ref="siteNavSubcategoryPanelsContainer"> <div class="SiteNavMobile-sticky"> <button class="SiteNavMobile-back" @click="deactivateSubcategory" x-ref="backToSubcategoriesButton" @keydown.prevent="keyDownBackToSubcategoriesButton" aria-label="Back to Loans category"> <svg class="Icon Icon--xs" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Left Icon</title><path d="M15.85 21a1.36 1.36 0 0 1-.938-.379L7.23 12.932c-.51-.51-.51-1.35 0-1.86l7.681-7.69a1.32 1.32 0 0 1 1.86 0c.51.511.51 1.35 0 1.861l-6.745 6.75 6.744 6.751c.51.51.51 1.35 0 1.86a1.29 1.29 0 0 1-.937.38l.016.016Z" class="icon-base"/></svg> Loans</button> </div> <div class="SiteNavSubcategory-categoryTitle" x-text="activeSubcategoryName"></div> <div class="SiteNavSubcategory-panels" tabindex="-1"> <div class="SiteNavSubcategory-panel" :class="{ 'is-active': isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement))) }" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavPrimaryLinkList"> <p class="SiteNavPrimaryLinkList-eyebrow">Compare lenders</p> <ul class="SiteNavPrimaryLinkList-list"> <li class="SiteNavPrimaryLinkList-item"> <a href="/loans/personal-loans/rates/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Personal loans anchor link" data-position="1" data-text="Best personal loans" data-outcome="send to Best personal loans" > Best personal loans</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/loans/personal-loans/bad-credit-loans/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Personal loans anchor link" data-position="2" data-text="Best personal loans for bad credit" data-outcome="send to Best personal loans for bad credit" > Best personal loans for bad credit</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/loans/personal-loans/debt-consolidation-loans/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Personal loans anchor link" data-position="3" data-text="Best debt consolidation loans" data-outcome="send to Best debt consolidation loans" > Best debt consolidation loans</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/loans/home-improvement/rates/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Personal loans anchor link" data-position="4" data-text="Best home improvement loans" data-outcome="send to Best home improvement loans" > Best home improvement loans</a> </li> </ul> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Get guidance</p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/loans/personal-loans/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Loans nav - Personal loans subcategory featured link" data-position="1" data-text="Personal loan resources" data-outcome="send to link" > Personal loan resources</a> </li> <li> <a class="SiteNavSecondaryLink" href="/loans/personal-loans/reviews/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Loans nav - Personal loans subcategory featured link" data-position="2" data-text="Personal loan lender reviews" data-outcome="send to link" > Personal loan lender reviews</a> </li> <li> <a class="SiteNavSecondaryLink" href="/loans/personal-loans/personal-loan-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Loans nav - Personal loans subcategory featured link" data-position="3" data-text="Personal loans calculator" data-outcome="send to link" > Personal loans calculator</a> </li> <li> <a class="SiteNavSecondaryLink" href="/loans/personal-loans/average-personal-loan-rates/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Loans nav - Personal loans subcategory featured link" data-position="4" data-text="Average personal loan interest rates" data-outcome="send to link" > Average personal loan interest rates</a> </li> </ul> <ul class="SiteNavFeaturedLinkList"> <li> <a class="SiteNavFeaturedLink" href="/loans/personal-loans/what-is-a-personal-loan/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Loans nav - Personal loans subcategory link" data-position="1" data-text="Personal loan basics" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/38750a2d5a/what-is-a-certified-financial-planner-s.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/38750a2d5a/what-is-a-certified-financial-planner-s.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/38750a2d5a/what-is-a-certified-financial-planner-s.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">Personal loan basics</span> <span class="SiteNavFeaturedLink-supportText">9 min read</span> </div> </a> </li> <li> <a class="SiteNavFeaturedLink" href="/loans/personal-loans/how-to-get-personal-loan/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Loans nav - Personal loans subcategory link" data-position="2" data-text="How to get a personal loan" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/4c26764452/how-to-start-saving.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/4c26764452/how-to-start-saving.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/4c26764452/how-to-start-saving.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">How to get a personal loan</span> <span class="SiteNavFeaturedLink-supportText">11 min read</span> </div> </a> </li> </ul> </div> </div> </div> </div> <div class="SiteNavSubcategory-panel" :class="{ 'is-active': isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement))) }" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavPrimaryLinkList"> <p class="SiteNavPrimaryLinkList-eyebrow">Compare lenders</p> <ul class="SiteNavPrimaryLinkList-list"> <li class="SiteNavPrimaryLinkList-item"> <a href="/loans/auto-loans/rates/" class="SiteNavPrimaryLink" target="" > Best auto loans</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/loans/auto-loans/refinance-rates/" class="SiteNavPrimaryLink" target="" > Best auto loan refinance rates</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/loans/auto-loans/bad-credit-loans/" class="SiteNavPrimaryLink" target="" > Best car loans for bad credit</a> </li> </ul> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Get guidance</p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/loans/auto-loans/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Loans nav - Auto loans subcategory featured link" data-position="1" data-text="Auto loan resources" data-outcome="send to link" > Auto loan resources</a> </li> <li> <a class="SiteNavSecondaryLink" href="/loans/auto-loans/reviews/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Loans nav - Auto loans subcategory featured link" data-position="2" data-text="Auto loan lender reviews" data-outcome="send to link" > Auto loan lender reviews</a> </li> <li> <a class="SiteNavSecondaryLink" href="/loans/auto-loans/auto-loan-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Loans nav - Auto loans subcategory featured link" data-position="3" data-text="Auto loan calculator" data-outcome="send to link" > Auto loan calculator</a> </li> <li> <a class="SiteNavSecondaryLink" href="/loans/auto-loans/auto-loan-refinancing-guide/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Loans nav - Auto loans subcategory featured link" data-position="4" data-text="Auto loan refinancing guide" data-outcome="send to link" > Auto loan refinancing guide</a> </li> </ul> <ul class="SiteNavFeaturedLinkList"> <li> <a class="SiteNavFeaturedLink" href="/loans/auto-loans/how-to-get-the-best-auto-loan-rate/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Loans nav - Auto loans subcategory link" data-position="1" data-text="How to get the best auto loan rate" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/d1a328a134/auto-loan-refinancing-guide-nav.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/d1a328a134/auto-loan-refinancing-guide-nav.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/d1a328a134/auto-loan-refinancing-guide-nav.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">How to get the best auto loan rate</span> <span class="SiteNavFeaturedLink-supportText">10 min read</span> </div> </a> </li> <li> <a class="SiteNavFeaturedLink" href="/loans/auto-loans/what-is-an-auto-loan/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Loans nav - Auto loans subcategory link" data-position="2" data-text="Auto loan basics" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/720x720/c481afa0d2/auto-loan-refinancing-guide-s.jpg/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/720x720/c481afa0d2/auto-loan-refinancing-guide-s.jpg/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/720x720/c481afa0d2/auto-loan-refinancing-guide-s.jpg/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">Auto loan basics</span> <span class="SiteNavFeaturedLink-supportText">5 min read</span> </div> </a> </li> </ul> </div> </div> </div> </div> <div class="SiteNavSubcategory-panel" :class="{ 'is-active': isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement))) }" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavPrimaryLinkList"> <p class="SiteNavPrimaryLinkList-eyebrow">Compare lenders</p> <ul class="SiteNavPrimaryLinkList-list"> <li class="SiteNavPrimaryLinkList-item"> <a href="/loans/student-loans/rates/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Personal loans anchor link" data-position="1" data-text="Student loan rates" data-outcome="send to Student loan rates" > Student loan rates</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/loans/student-loans/refinance-rates/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Personal loans anchor link" data-position="2" data-text="Student loan refinancing rates" data-outcome="send to Student loan refinancing rates" > Student loan refinancing rates</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/loans/student-loans/private-student-loans/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Personal loans anchor link" data-position="3" data-text="Best private student loans" data-outcome="send to Best private student loans" > Best private student loans</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/loans/student-loans/bad-credit-loans/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Personal loans anchor link" data-position="4" data-text="Best bad credit student loans" data-outcome="send to Best bad credit student loans" > Best bad credit student loans</a> </li> </ul> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Get guidance</p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/loans/student-loans/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Loans nav - Student loans subcategory featured link" data-position="1" data-text="Student loan resources" data-outcome="send to link" > Student loan resources</a> </li> <li> <a class="SiteNavSecondaryLink" href="/loans/student-loans/reviews/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Loans nav - Student loans subcategory featured link" data-position="2" data-text="Student loan lender reviews" data-outcome="send to link" > Student loan lender reviews</a> </li> <li> <a class="SiteNavSecondaryLink" href="/loans/student-loans/student-loan-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Loans nav - Student loans subcategory featured link" data-position="3" data-text="Student loan calculator" data-outcome="send to link" > Student loan calculator</a> </li> <li> <a class="SiteNavSecondaryLink" href="/loans/student-loans/student-loan-refinance-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Loans nav - Student loans subcategory featured link" data-position="4" data-text="Student loan refinance calculator" data-outcome="send to link" > Student loan refinance calculator</a> </li> </ul> <ul class="SiteNavFeaturedLinkList"> <li> <a class="SiteNavFeaturedLink" href="/loans/student-loans/private-student-loans-guide/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Loans nav - Student loans subcategory link" data-position="1" data-text="Private student loan basics" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/3d6f458d84/how-to-start-investing-nav-imagery.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/3d6f458d84/how-to-start-investing-nav-imagery.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/3d6f458d84/how-to-start-investing-nav-imagery.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">Private student loan basics</span> <span class="SiteNavFeaturedLink-supportText">10 min read</span> </div> </a> </li> <li> <a class="SiteNavFeaturedLink" href="/loans/student-loans/how-to-get-student-loan/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Loans nav - 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'is-active' : ''" type="button" role="tab" @mouseover="handleSubcategoryMouseOver" @click="handleSubcategoryClick" @mousedown.prevent @focus="activateSubcategory($el.id)" :id="$id('subcategory', whichChild($el, $el.parentElement))" :tabindex="isActiveSubcategory($el.id) ? 0 : -1" :aria-selected="isActiveSubcategory($el.id)" data-subcategory-name="HELOC" data-position="1"> HELOC<svg class="Icon Icon--xs" aria-hidden="true" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Right Icon</title><path d="M8.168 21a1.39 1.39 0 0 1-.938-.379c-.51-.51-.51-1.35 0-1.86l6.744-6.75L7.23 5.242c-.51-.51-.51-1.35 0-1.86a1.32 1.32 0 0 1 1.859 0l7.681 7.689c.51.51.51 1.35 0 1.86l-7.681 7.69A1.29 1.29 0 0 1 8.15 21h.017Z" class="icon-base"/></svg></button> <button class="SiteNavSubcategory-tab" :class="isActiveSubcategory($el.id) ? 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mobile nav" data-position="bottom" data-text="Explore all Home equity resources" data-outcome="send to link" > Explore all home equity resources <svg class="Icon Icon--sm text-blue" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Arrow Right Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M12.29 18.69c.2.19.45.29.71.29V19c.25 0 .5-.09.7-.29l6.01-6c.18-.19.29-.44.29-.71 0-.27-.1-.52-.29-.71l-6.01-6a.996.996 0 1 0-1.41 1.41l4.3 4.3H4c-.55 0-1 .45-1 1s.45 1 1 1h12.58l-4.29 4.28a.996.996 0 0 0 0 1.41Z" class="icon-base"/></svg></a> </div> </div> <div class="SiteNavSubcategory-content" :class="{ 'is-active': showSubcategoryView }" @keydown.up.prevent="keydownSubcategoryLinks($el.querySelector('.is-active'), $event)"> <div class="SiteNavSubcategory-panelsContainer" x-ref="siteNavSubcategoryPanelsContainer"> <div class="SiteNavMobile-sticky"> <button class="SiteNavMobile-back" @click="deactivateSubcategory" x-ref="backToSubcategoriesButton" @keydown.prevent="keyDownBackToSubcategoriesButton" aria-label="Back to Home equity category"> <svg class="Icon Icon--xs" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Left Icon</title><path d="M15.85 21a1.36 1.36 0 0 1-.938-.379L7.23 12.932c-.51-.51-.51-1.35 0-1.86l7.681-7.69a1.32 1.32 0 0 1 1.86 0c.51.511.51 1.35 0 1.861l-6.745 6.75 6.744 6.751c.51.51.51 1.35 0 1.86a1.29 1.29 0 0 1-.937.38l.016.016Z" class="icon-base"/></svg> Home equity</button> </div> <div class="SiteNavSubcategory-categoryTitle" x-text="activeSubcategoryName"></div> <div class="SiteNavSubcategory-panels" tabindex="-1"> <div class="SiteNavSubcategory-panel" :class="{ 'is-active': isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement))) }" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavTopicOverview"> <p class="SiteNavTopicOverview-heading" role="heading">HELOC </p> <p class="SiteNavTopicOverview-copy">A HELOC is a variable-rate line of credit that lets you borrow funds for a set period and repay them later.</p> <a href="/home-equity/heloc-rates/" class="Button Button--primary"data-beam-element-clicked data-type="button" data-location="site-nav" data-name="Home equity nav - HELOC subcategory CTA" data-position="1" data-text="HELOC Rates" data-outcome="send to link" data-category="Home equity"> HELOC Rates</a> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Home equity basics </p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/home-equity/heloc-lenders/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Home equity nav - HELOC subcategory featured link" data-position="1" data-text="Best HELOC lenders" data-outcome="send to link" > Best HELOC lenders</a> </li> <li> <a class="SiteNavSecondaryLink" href="/home-equity/heloc-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Home equity nav - HELOC subcategory featured link" data-position="2" data-text="HELOC calculator" data-outcome="send to link" > HELOC calculator</a> </li> <li> <a class="SiteNavSecondaryLink" href="/home-equity/what-is-heloc/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Home equity nav - HELOC subcategory featured link" data-position="3" data-text="What is a HELOC?" data-outcome="send to link" > What is a HELOC?</a> </li> <li> <a class="SiteNavSecondaryLink" href="/home-equity/pros-cons-of-home-equity-lines/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Home equity nav - HELOC subcategory featured link" data-position="4" data-text="Pros and cons of HELOCs" data-outcome="send to link" > Pros and cons of HELOCs</a> </li> <li> <a class="SiteNavSecondaryLink" href="/home-equity/reviews/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Home equity nav - HELOC subcategory featured link" data-position="5" data-text="Home equity lender reviews" data-outcome="send to link" > Home equity lender reviews</a> </li> </ul> <ul class="SiteNavFeaturedLinkList"> <li> <a class="SiteNavFeaturedLink" href="/home-equity/what-is-home-equity/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Home equity nav - HELOC subcategory link" data-position="1" data-text="What is home equity?" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/e9e92b7729/home-equity-heloc-guide-nav-imagery.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/e9e92b7729/home-equity-heloc-guide-nav-imagery.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/e9e92b7729/home-equity-heloc-guide-nav-imagery.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">What is home equity?</span> <span class="SiteNavFeaturedLink-supportText">8 min read</span> </div> </a> </li> <li> <a class="SiteNavFeaturedLink" href="/home-equity/how-to-calculate-equity-in-your-home/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Home equity nav - HELOC subcategory link" data-position="2" data-text="How to calculate home equity" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1280x720/98576f9f53/home-purchase.jpeg/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1280x720/98576f9f53/home-purchase.jpeg/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1280x720/98576f9f53/home-purchase.jpeg/m/50x50/filters:quality(90):format(webp)" alt="Home purchase"> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">How to calculate home equity</span> <span class="SiteNavFeaturedLink-supportText">6 min read</span> </div> </a> </li> </ul> </div> </div> </div> </div> <div class="SiteNavSubcategory-panel" :class="{ 'is-active': isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement))) }" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavTopicOverview"> <p class="SiteNavTopicOverview-heading" role="heading">Home equity loans </p> <p class="SiteNavTopicOverview-copy">Home equity loans let you borrow a lump sum at a fixed rate, based on how much of the home you own outright.</p> <a href="/home-equity/home-equity-loan-rates/" class="Button Button--primary"data-beam-element-clicked data-type="button" data-location="site-nav" data-name="Home equity nav - Home equity loans subcategory CTA" data-position="1" data-text="Home equity loan rates" data-outcome="send to link" data-category="Home equity"> Home equity loan rates</a> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Get guidance </p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/home-equity/what-is-home-equity-loan/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Home equity nav - Home equity loans subcategory featured link" data-position="1" data-text="What is a home equity loan?" data-outcome="send to link" > What is a home equity loan?</a> </li> <li> <a class="SiteNavSecondaryLink" href="/home-equity/pros-cons-home-equity-loan/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Home equity nav - Home equity loans subcategory featured link" data-position="2" data-text="Home equity loan pros and cons" data-outcome="send to link" > Home equity loan pros and cons</a> </li> <li> <a class="SiteNavSecondaryLink" href="/home-equity/requirements-to-borrow-from-home-equity/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Home equity nav - Home equity loans subcategory featured link" data-position="3" data-text="Home equity loan requirements" data-outcome="send to link" > Home equity loan requirements</a> </li> <li> <a class="SiteNavSecondaryLink" href="/home-equity/home-equity-loan-vs-line-of-credit/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Home equity nav - Home equity loans subcategory featured link" data-position="4" data-text="HELOC vs home equity loan" data-outcome="send to link" > HELOC vs home equity loan</a> </li> <li> <a class="SiteNavSecondaryLink" href="/home-equity/how-to-build-equity-in-your-home/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Home equity nav - Home equity loans subcategory featured link" data-position="5" data-text="How to build home equity" data-outcome="send to link" > How to build home equity</a> </li> </ul> <ul class="SiteNavFeaturedLinkList"> <li> <a class="SiteNavFeaturedLink" href="/home-equity/home-equity-loan-lenders/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Home equity nav - Home equity loans subcategory link" data-position="1" data-text="Best home equity loan lenders" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/721x720/bad3fd8f56/heloc-lender-reviews-s.jpg/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/721x720/bad3fd8f56/heloc-lender-reviews-s.jpg/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/721x720/bad3fd8f56/heloc-lender-reviews-s.jpg/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">Best home equity loan lenders</span> <span class="SiteNavFeaturedLink-supportText">Compare top home equity lenders</span> </div> </a> </li> <li> <a class="SiteNavFeaturedLink" href="/home-equity/home-equity-calculator/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Home equity nav - Home equity loans subcategory link" data-position="2" data-text="Home equity calculator" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1920x1080/2654611691/cd-rates.jpeg/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1920x1080/2654611691/cd-rates.jpeg/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1920x1080/2654611691/cd-rates.jpeg/m/50x50/filters:quality(90):format(webp)" alt="CD Rates"> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">Home equity calculator</span> <span class="SiteNavFeaturedLink-supportText">Calculate how much you can borrow</span> </div> </a> </li> </ul> </div> </div> </div> </div> </div> </div> <div class="SiteNavSubcategory-categoryLinkContainer"> <a href="/home-equity/" class="SiteNavSubcategory-categoryLink" @keydown.tab="focusNextSubcategoryTab" @keydown.down="$event.preventDefault()" data-beam-element-clicked data-type="LINK" data-location="site-nav" data-name="Home equity hub link - 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mobile nav" data-position="bottom" data-text="Explore all Insurance resources" data-outcome="send to link" > Explore all insurance resources <svg class="Icon Icon--sm text-blue" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Arrow Right Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M12.29 18.69c.2.19.45.29.71.29V19c.25 0 .5-.09.7-.29l6.01-6c.18-.19.29-.44.29-.71 0-.27-.1-.52-.29-.71l-6.01-6a.996.996 0 1 0-1.41 1.41l4.3 4.3H4c-.55 0-1 .45-1 1s.45 1 1 1h12.58l-4.29 4.28a.996.996 0 0 0 0 1.41Z" class="icon-base"/></svg></a> </div> </div> <div class="SiteNavSubcategory-content" :class="{ 'is-active': showSubcategoryView }" @keydown.up.prevent="keydownSubcategoryLinks($el.querySelector('.is-active'), $event)"> <div class="SiteNavSubcategory-panelsContainer" x-ref="siteNavSubcategoryPanelsContainer"> <div class="SiteNavMobile-sticky"> <button class="SiteNavMobile-back" @click="deactivateSubcategory" x-ref="backToSubcategoriesButton" @keydown.prevent="keyDownBackToSubcategoriesButton" aria-label="Back to Insurance category"> <svg class="Icon Icon--xs" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Left Icon</title><path d="M15.85 21a1.36 1.36 0 0 1-.938-.379L7.23 12.932c-.51-.51-.51-1.35 0-1.86l7.681-7.69a1.32 1.32 0 0 1 1.86 0c.51.511.51 1.35 0 1.861l-6.745 6.75 6.744 6.751c.51.51.51 1.35 0 1.86a1.29 1.29 0 0 1-.937.38l.016.016Z" class="icon-base"/></svg> Insurance</button> </div> <div class="SiteNavSubcategory-categoryTitle" x-text="activeSubcategoryName"></div> <div class="SiteNavSubcategory-panels" tabindex="-1"> <div class="SiteNavSubcategory-panel" :class="{ 'is-active': isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement))) }" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavPrimaryLinkList"> <p class="SiteNavPrimaryLinkList-eyebrow">Compare rates</p> <ul class="SiteNavPrimaryLinkList-list"> <li class="SiteNavPrimaryLinkList-item"> <a href="/insurance/car/best-car-insurance-companies/" class="SiteNavPrimaryLink" target="" > Best car insurance companies</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/insurance/car/cheap-car-insurance-companies/" class="SiteNavPrimaryLink" target="" > Cheapest car insurance companies</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/insurance/car/rates/" class="SiteNavPrimaryLink" target="" > Compare car insurance rates</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/insurance/car/average-cost-of-car-insurance/" class="SiteNavPrimaryLink" target="" > How much is car insurance?</a> </li> </ul> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Get guidance</p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/insurance/reviews/allstate/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Insurance nav - Auto insurance subcategory featured link" data-position="1" data-text="Allstate insurance review" data-outcome="send to link" > Allstate insurance review</a> </li> <li> <a class="SiteNavSecondaryLink" href="/insurance/reviews/erie/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Insurance nav - Auto insurance subcategory featured link" data-position="2" data-text="Erie insurance review" data-outcome="send to link" > Erie insurance review</a> </li> <li> <a class="SiteNavSecondaryLink" href="/insurance/reviews/progressive/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Insurance nav - Auto insurance subcategory featured link" data-position="3" data-text="Progressive insurance review" data-outcome="send to link" > Progressive insurance review</a> </li> <li> <a class="SiteNavSecondaryLink" href="/insurance/reviews/state-farm/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Insurance nav - Auto insurance subcategory featured link" data-position="4" data-text="State Farm insurance review" data-outcome="send to link" > State Farm insurance review</a> </li> <li> <a class="SiteNavSecondaryLink" href="/insurance/reviews/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Insurance nav - Auto insurance subcategory featured link" data-position="5" data-text="All insurance company reviews" data-outcome="send to link" > All insurance company reviews</a> </li> </ul> <ul class="SiteNavFeaturedLinkList"> <li> <a class="SiteNavFeaturedLink" href="/insurance/car/states/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Insurance nav - Auto insurance subcategory link" data-position="1" data-text="Auto insurance by state" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/5bfb00cc0b/auto-insurance-by-state.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/5bfb00cc0b/auto-insurance-by-state.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/5bfb00cc0b/auto-insurance-by-state.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">Auto insurance by state</span> <span class="SiteNavFeaturedLink-supportText">Compare rates in your state</span> </div> </a> </li> <li> <a class="SiteNavFeaturedLink" href="/insurance/car/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Insurance nav - Auto insurance subcategory link" data-position="2" data-text="Car insurance resources" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/20e5cbc3e7/how-much-is-car-insurance-nav.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/20e5cbc3e7/how-much-is-car-insurance-nav.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/20e5cbc3e7/how-much-is-car-insurance-nav.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">Car insurance resources</span> <span class="SiteNavFeaturedLink-supportText">Learn more about auto insurance</span> </div> </a> </li> </ul> </div> </div> </div> </div> <div class="SiteNavSubcategory-panel" :class="{ 'is-active': isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement))) }" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavPrimaryLinkList"> <p class="SiteNavPrimaryLinkList-eyebrow">Compare rates</p> <ul class="SiteNavPrimaryLinkList-list"> <li class="SiteNavPrimaryLinkList-item"> <a href="/insurance/homeowners-insurance/best-home-insurance-companies/" class="SiteNavPrimaryLink" target="" > Best home insurance companies</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/insurance/homeowners-insurance/cheap-homeowners-insurance/" class="SiteNavPrimaryLink" target="" > Cheapest home insurance companies</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/insurance/homeowners-insurance/home-insurance-quotes/" class="SiteNavPrimaryLink" target="" > Home insurance quotes</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/insurance/homeowners-insurance/homeowners-insurance-cost/" class="SiteNavPrimaryLink" target="" > How much is homeowners insurance?</a> </li> </ul> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Get guidance </p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/insurance/reviews/kin/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Insurance nav - 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style="--text-color: var(--color-black);"type="button" id="tooltip-trigger-1k9J5Z" aria-controls="tooltip-content-1k9J5Z" x-bind="trigger"> Rebecca Betterton</button><div class="Tooltip-content Tooltip-content--belowTrigger Tooltip-content--anchorCenter author-preview"style="display: none;" id="tooltip-content-1k9J5Z" aria-hidden="true" aria-labelledby="tooltip-trigger-1k9J5Z" role="dialog" x-bind="content"> <div class="Tooltip-body"> <div class="Tooltip-arrow"></div> <div class="AuthorPreview AuthorPreview--author AuthorPreview--tooltip"> <div class="AuthorPreview-top border-b border-gray-light pb-4"> <img srcset="https://www.bankrate.com/brp/2024/08/22121830/rebecca-betterton-headshot-1.png?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart&dpr=1.5 1.5x, https://www.bankrate.com/brp/2024/08/22121830/rebecca-betterton-headshot-1.png?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart&dpr=2 2x, https://www.bankrate.com/brp/2024/08/22121830/rebecca-betterton-headshot-1.png?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart&dpr=3 3x" src="https://www.bankrate.com/brp/2024/08/22121830/rebecca-betterton-headshot-1.png?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart" loading="lazy" class="AuthorAvatar AuthorAvatar--lg AuthorPreview-avatar flex-shrink-0" alt=""> <div class="AuthorPreview-attribution"> <div class="AuthorPreview-name"> <a href="https://www.bankrate.com/authors/rebecca-betterton/" class="Link Link--standalone text-black"> Rebecca Betterton</a> </div> <span class="AuthorPreview-title type-body-two text-slate text-crop-none">Writer, Auto Loans and Personal Loans</span> </div> </div> <div class="AuthorPreview-expertise my-4"> <div class="w-full"> <div class="display-flex align-items-center"> <svg class="Icon Icon--sm text-black mr-2" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" 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2.851c0 1.077-.42 2.086-1.186 2.852a4.002 4.002 0 0 1-2.852 1.185Zm0-6.728c-.715 0-1.387.277-1.9.79a2.685 2.685 0 0 0 0 3.802c1.017 1.018 2.784 1.018 3.801 0 .513-.513.79-1.186.79-1.9 0-.716-.277-1.389-.79-1.902a2.666 2.666 0 0 0-1.9-.79Z" class="icon-base"/></svg><span class="type-body-two text-black font-circular-bold"> Expertise </span> </div> <ul class="List ml-2 mt-3 mb-3"> <li class="display-flex align-items-center gap-2 mt-2 text-black"> <span class="text-blue-mid text-base"> • </span> Auto Loans</li> <li class="display-flex align-items-center gap-2 mt-2 text-black"> <span class="text-blue-mid text-base"> • </span> Personal loans</li> </ul> </div> <div class="display-flex align-items-center text-black"> <svg class="Icon Icon--sm mr-2 align-self-flex-start" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Calendar Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M14.945 6H6.846c-.78 0-1.433.94-1.433 2.05v13.4c0 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.806.363.806.806Zm3.346-2.78a.808.808 0 0 0 .806-.807.808.808 0 0 0-.806-.806.808.808 0 0 0-.806.806c0 .444.362.806.806.806Zm.806 2.78a.808.808 0 0 1-.806.806.808.808 0 0 1-.806-.806c0-.443.362-.806.806-.806.443 0 .806.363.806.806Zm3.329-2.797a.808.808 0 0 0 .806-.806.808.808 0 0 0-.806-.806.808.808 0 0 0-.806.806c0 .443.363.806.806.806Zm.806 2.773a.808.808 0 0 1-.806.806.808.808 0 0 1-.806-.806c0-.444.363-.806.806-.806.443 0 .806.362.806.806Z" class="icon-base"/></svg><div class="type-body-two font-circular-bold leading-normal lowercase display-flex"> 4 Years of experience</div> </div> </div> <div class="AuthorPreview-bottom text-slate"> <div class="AuthorPreview-bio text-crop-none AuthorPreview-bio--truncated"> Rebecca Betterton, a Certified Financial Education Instructor℠, is a writer for Bankrate who has been reporting on auto loans since 2021.</div> <div class="display-flex align-items-center justify-content-space-between w-full"> <a 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'display-flex' : 'display-none'" class="flex-direction-column -mt-1 gap-1 mb-2 sm:display-none"> <div class="Byline-user"> <img srcset="https://www.bankrate.com/brp/2024/10/22134838/Julie-Linton.jpg?auto=webp&quality=85&width=24&height=24&fit=cover&enable=upscale&crop=1:1,smart&dpr=1.5 1.5x, https://www.bankrate.com/brp/2024/10/22134838/Julie-Linton.jpg?auto=webp&quality=85&width=24&height=24&fit=cover&enable=upscale&crop=1:1,smart&dpr=2 2x, https://www.bankrate.com/brp/2024/10/22134838/Julie-Linton.jpg?auto=webp&quality=85&width=24&height=24&fit=cover&enable=upscale&crop=1:1,smart&dpr=3 3x" src="https://www.bankrate.com/brp/2024/10/22134838/Julie-Linton.jpg?auto=webp&quality=85&width=24&height=24&fit=cover&enable=upscale&crop=1:1,smart" loading="lazy" class="AuthorAvatar AuthorAvatar--xs Byline-userAvatar mr-2 flex-shrink-0" alt=""> <span> <span class="text-slate trsy-text-[--text-color] font-circular-book" style="--text-color: var(--color-slate);">Edited by</span> <div class="Tooltip 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https://www.bankrate.com/brp/2024/10/22134838/Julie-Linton.jpg?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart&dpr=2 2x, https://www.bankrate.com/brp/2024/10/22134838/Julie-Linton.jpg?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart&dpr=3 3x" src="https://www.bankrate.com/brp/2024/10/22134838/Julie-Linton.jpg?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart" loading="lazy" class="AuthorAvatar AuthorAvatar--lg AuthorPreview-avatar flex-shrink-0" alt=""> <div class="AuthorPreview-attribution"> <div class="AuthorPreview-name"> <a href="https://www.bankrate.com/authors/julie-linton/" class="Link Link--standalone text-black"> Julie Linton</a> </div> <span class="AuthorPreview-title type-body-two text-slate text-crop-none">Managing editor, Loans</span> </div> </div> <div class="AuthorPreview-expertise my-4"> <div class="w-full"> <div class="display-flex align-items-center"> <svg class="Icon Icon--sm 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0a2.425 2.425 0 0 0 .719-1.729c0-.65-.252-1.262-.719-1.728a2.425 2.425 0 0 0-1.729-.72Z" fill="transparent" class="icon-offset"/><path fill-rule="evenodd" clip-rule="evenodd" d="M11.996 17.975c-.64 0-1.287-.244-1.775-.732l-.597-.605a1.157 1.157 0 0 0-.824-.328h-.32v4.676c0 .076.042.118.084.143.034.025.093.042.16 0l2.725-1.363c.438-.218.959-.21 1.388.017l2.464 1.304a.194.194 0 0 0 .168 0c.034-.025.085-.067.085-.143v-4.626h-.37c-.32 0-.606.118-.825.336l-.589.59a2.521 2.521 0 0 1-1.791.74l.017-.009Zm4.048-3.011h-.835c-.673 0-1.304.26-1.775.732l-.589.588a1.17 1.17 0 0 1-1.657.017l-.597-.605a2.493 2.493 0 0 0-1.775-.732h-.86a.672.672 0 0 0-.182-.016 1.192 1.192 0 0 1-.985-1.17v-.841c0-.673-.26-1.304-.731-1.775l-.59-.589a1.177 1.177 0 0 1-.067-1.606c.026-.017.068-.06.068-.06l.589-.596a2.493 2.493 0 0 0 .731-1.775v-.732c.009-.033.009-.075.009-.117 0-.657.53-1.186 1.177-1.186h.85c.673 0 1.303-.261 1.775-.732l.588-.589a1.178 1.178 0 0 1 1.657 0l.597.606a2.493 2.493 0 0 0 1.775.731h.85c.647 0 1.177.539 1.177 1.186v.841c0 .673.26 1.304.732 1.775l.589.589c.227.219.353.513.353.833 0 .32-.126.614-.353.84l-.59.598a2.494 2.494 0 0 0-.73 1.775v.84c0 .57-.41 1.041-.954 1.147a.68.68 0 0 0-.247.023Zm.855 1.202a2.52 2.52 0 0 0 1.666-2.363v-.841c0-.311.126-.606.345-.824l.588-.597c.488-.48.749-1.11.749-1.784a2.52 2.52 0 0 0-.74-1.791l-.59-.589a1.157 1.157 0 0 1-.336-.824v-.841a2.533 2.533 0 0 0-2.523-2.532h-.85c-.319 0-.613-.126-.824-.336l-.597-.606a2.523 2.523 0 0 0-3.566 0l-.589.589a1.143 1.143 0 0 1-.824.336h-.85a2.525 2.525 0 0 0-2.514 2.414c-.017.042-.017.093-.017.135v.832c0 .312-.126.606-.345.825l-.522.53a.54.54 0 0 1-.037.033 2.508 2.508 0 0 0-.77 1.808c0 .674.27 1.313.749 1.792l.588.589c.219.219.337.513.337.824v.841c0 1.103.717 2.046 1.707 2.388v4.812A1.506 1.506 0 0 0 8.648 22.5h.009a1.5 1.5 0 0 0 .681-.16l2.725-1.362a.16.16 0 0 1 .151 0l2.465 1.303a1.495 1.495 0 0 0 1.489-.042c.454-.277.731-.757.731-1.295v-4.777Zm-4.887-2.397a4.002 4.002 0 0 1-2.85-1.185 4.036 4.036 0 0 1 0-5.703 4.002 4.002 0 0 1 2.85-1.186c1.077 0 2.086.42 2.852 1.186a4.002 4.002 0 0 1 1.186 2.851c0 1.077-.42 2.086-1.186 2.852a4.002 4.002 0 0 1-2.852 1.185Zm0-6.728c-.715 0-1.387.277-1.9.79a2.685 2.685 0 0 0 0 3.802c1.017 1.018 2.784 1.018 3.801 0 .513-.513.79-1.186.79-1.9 0-.716-.277-1.389-.79-1.902a2.666 2.666 0 0 0-1.9-.79Z" class="icon-base"/></svg><span class="type-body-two text-black font-circular-bold"> Expertise </span> </div> <ul class="List ml-2 mt-3 mb-3"> <li class="display-flex align-items-center gap-2 mt-2 text-black"> <span class="text-blue-mid text-base"> • </span> Personal loans</li> <li class="display-flex align-items-center gap-2 mt-2 text-black"> <span class="text-blue-mid text-base"> • </span> Auto loans</li> </ul> </div> <div class="display-flex align-items-center text-black"> <svg class="Icon Icon--sm mr-2 align-self-flex-start" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Calendar Icon</title><path 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2.781a.808.808 0 0 1-.806.806.808.808 0 0 1-.806-.806c0-.443.363-.806.806-.806.444 0 .806.363.806.806Zm3.346-2.78a.808.808 0 0 0 .806-.807.808.808 0 0 0-.806-.806.808.808 0 0 0-.806.806c0 .444.362.806.806.806Zm.806 2.78a.808.808 0 0 1-.806.806.808.808 0 0 1-.806-.806c0-.443.362-.806.806-.806.443 0 .806.363.806.806Zm3.329-2.797a.808.808 0 0 0 .806-.806.808.808 0 0 0-.806-.806.808.808 0 0 0-.806.806c0 .443.363.806.806.806Zm.806 2.773a.808.808 0 0 1-.806.806.808.808 0 0 1-.806-.806c0-.444.363-.806.806-.806.443 0 .806.362.806.806Z" class="icon-base"/></svg><div class="type-body-two font-circular-bold leading-normal lowercase display-flex"> 9 Years of experience</div> </div> </div> <div class="AuthorPreview-bottom text-slate"> <div class="AuthorPreview-bio text-crop-none AuthorPreview-bio--truncated"> Julie Linton leads Loans coverage for Bankrate. She is committed to helping readers navigate complex personal finance decisions.</div> <div class="display-flex align-items-center justify-content-space-between w-full"> <a href="https://www.bankrate.com/authors/julie-linton/" class="Link Link--standalone font-bold"> Read more </a> <ul class="AuthorSocialConnect List display-flex align-items-center mb-0 "> <li class="AuthorSocialConnect-item display-block"> <a class="AuthorSocialConnect-link display-flex align-items-center text-slate p-3 hover:text-blue-600" href="https://www.linkedin.com/in/lintonjulie/" target="_blank" rel="nofollow" aria-label="Connect with Julie Linton on LinkedIn" data-beam-element-clicked id="author_bio_julie_linton_linkedin_icon" data-type="icon" data-location="author_bio_julie_linton" data-position="top" data-text="linkedin" data-outcome="open_linkedin" > <svg class="Icon Icon--xs trsy-size-[--size]" style="--size: 1rem" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" 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href="https://www.bankrate.com/authors/julie-linton/" class="text-link text-black trsy-text-[--text-color] plain font-circular-bold " style="--text-color: var(--color-black);">Julie Linton</a> </div> </span> </div> <div class="Byline-user md:ml-3"> <img srcset="https://www.bankrate.com/brp/2024/11/07174420/MHNYheadshotsm.jpg?auto=webp&quality=85&width=24&height=24&fit=cover&enable=upscale&crop=1:1,smart&dpr=1.5 1.5x, https://www.bankrate.com/brp/2024/11/07174420/MHNYheadshotsm.jpg?auto=webp&quality=85&width=24&height=24&fit=cover&enable=upscale&crop=1:1,smart&dpr=2 2x, https://www.bankrate.com/brp/2024/11/07174420/MHNYheadshotsm.jpg?auto=webp&quality=85&width=24&height=24&fit=cover&enable=upscale&crop=1:1,smart&dpr=3 3x" src="https://www.bankrate.com/brp/2024/11/07174420/MHNYheadshotsm.jpg?auto=webp&quality=85&width=24&height=24&fit=cover&enable=upscale&crop=1:1,smart" loading="lazy" class="AuthorAvatar AuthorAvatar--xs Byline-userAvatar mr-2 flex-shrink-0" alt=""> <span> <span class="text-slate trsy-text-[--text-color] font-circular-book" style="--text-color: var(--color-slate);">Reviewed by</span> <div class="Tooltip display-none sm:display-inline-block" x-data="interactiveTooltip('PjjrYm')" x-bind="container"> <button class="Tooltip-trigger text-link text-black trsy-text-[--text-color] plain font-circular-bold" style="--text-color: var(--color-black);"type="button" id="tooltip-trigger-PjjrYm" aria-controls="tooltip-content-PjjrYm" x-bind="trigger"> Mark Hamrick</button><div class="Tooltip-content Tooltip-content--belowTrigger Tooltip-content--anchorCenter author-preview"style="display: none;" id="tooltip-content-PjjrYm" aria-hidden="true" aria-labelledby="tooltip-trigger-PjjrYm" role="dialog" x-bind="content"> <div class="Tooltip-body"> <div class="Tooltip-arrow"></div> <div class="AuthorPreview AuthorPreview--reviewer AuthorPreview--tooltip"> <div class="AuthorPreview-top border-b border-gray-light pb-4"> <img 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text-crop-none">Washington Bureau Chief, Senior Economic Analyst</span> </div> </div> <div class="AuthorPreview-expertise my-4"> <div class="w-full"> <div class="display-flex align-items-center"> <svg class="Icon Icon--sm text-black mr-2" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Ribbon Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M17.856 16.638a2.291 2.291 0 0 0 1.514-2.15v-.764c0-.283.115-.551.314-.75l.535-.543a2.25 2.25 0 0 0 .68-1.622c0-.612-.236-1.193-.672-1.629l-.536-.535a1.053 1.053 0 0 1-.306-.75V7.13a2.303 2.303 0 0 0-2.294-2.302h-.773c-.29 0-.558-.115-.75-.306l-.543-.551a2.294 2.294 0 0 0-3.243 0l-.535.535a1.04 1.04 0 0 1-.75.306h-.773a2.296 2.296 0 0 0-2.287 2.196c-.015.038-.015.084-.015.122v.757c0 .283-.115.551-.314.75l-.474.482-.034.03-.035.031a2.28 2.28 0 0 0-.665 1.614c0 .612.245 1.193.68 1.63l.536.535c.199.199.306.466.306.75v.764c0 1.003.652 1.861 1.553 2.171v4.377a1.37 1.37 0 0 0 1.377 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1.103.717 2.046 1.707 2.388v4.812A1.506 1.506 0 0 0 8.648 22.5h.009a1.5 1.5 0 0 0 .681-.16l2.725-1.362a.16.16 0 0 1 .151 0l2.465 1.303a1.495 1.495 0 0 0 1.489-.042c.454-.277.731-.757.731-1.295v-4.777Zm-4.887-2.397a4.002 4.002 0 0 1-2.85-1.185 4.036 4.036 0 0 1 0-5.703 4.002 4.002 0 0 1 2.85-1.186c1.077 0 2.086.42 2.852 1.186a4.002 4.002 0 0 1 1.186 2.851c0 1.077-.42 2.086-1.186 2.852a4.002 4.002 0 0 1-2.852 1.185Zm0-6.728c-.715 0-1.387.277-1.9.79a2.685 2.685 0 0 0 0 3.802c1.017 1.018 2.784 1.018 3.801 0 .513-.513.79-1.186.79-1.9 0-.716-.277-1.389-.79-1.902a2.666 2.666 0 0 0-1.9-.79Z" class="icon-base"/></svg><span class="type-body-two text-black font-circular-bold"> Expertise </span> </div> <ul class="List ml-2 mt-3 mb-3"> <li class="display-flex align-items-center gap-2 mt-2 text-black"> <span class="text-blue-mid text-base"> • </span> Personal Finance</li> <li class="display-flex align-items-center gap-2 mt-2 text-black"> <span class="text-blue-mid text-base"> • </span> Economy</li> </ul> </div> </div> <div class="AuthorPreview-bottom text-slate"> <div class="AuthorPreview-bio text-crop-none AuthorPreview-bio--truncated"> Mark Hamrick is Washington Bureau Chief for Bankrate. He is a national award-winning business and financial news journalist.</div> <div class="display-flex align-items-center justify-content-space-between w-full"> <a href="https://www.bankrate.com/authors/mark-hamrick/" class="Link Link--standalone font-bold"> Read more </a> <ul class="AuthorSocialConnect List display-flex align-items-center mb-0 "> <li class="AuthorSocialConnect-item display-block"> <a class="AuthorSocialConnect-link display-flex align-items-center text-slate p-3 hover:text-blue-600" href="https://twitter.com/hamrickisms" target="_blank" rel="nofollow" aria-label="Connect with Mark Hamrick on Twitter" data-beam-element-clicked id="author_bio_mark_hamrick_twitter_icon" data-type="icon" data-location="author_bio_mark_hamrick" data-position="top" data-text="twitter" data-outcome="open_twitter" > <svg class="Icon Icon--xs trsy-size-[--size]" style="--size: 1rem" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Twitter 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href="https://www.bankrate.com/authors/mark-hamrick/" class="text-link text-black trsy-text-[--text-color] plain font-circular-bold " style="--text-color: var(--color-black);">Mark Hamrick</a> </div> </span> </div> </div> <div class="Byline-user Byline-accordion-on-mobile"> <img srcset="https://www.bankrate.com/brp/2024/10/22134838/Julie-Linton.jpg?auto=webp&quality=85&width=24&height=24&fit=cover&enable=upscale&crop=1:1,smart&dpr=1.5 1.5x, https://www.bankrate.com/brp/2024/10/22134838/Julie-Linton.jpg?auto=webp&quality=85&width=24&height=24&fit=cover&enable=upscale&crop=1:1,smart&dpr=2 2x, https://www.bankrate.com/brp/2024/10/22134838/Julie-Linton.jpg?auto=webp&quality=85&width=24&height=24&fit=cover&enable=upscale&crop=1:1,smart&dpr=3 3x" src="https://www.bankrate.com/brp/2024/10/22134838/Julie-Linton.jpg?auto=webp&quality=85&width=24&height=24&fit=cover&enable=upscale&crop=1:1,smart" loading="lazy" class="AuthorAvatar AuthorAvatar--xs Byline-userAvatar mr-2 flex-shrink-0" alt=""> <span> <span class="text-slate trsy-text-[--text-color] font-circular-book" style="--text-color: var(--color-slate);">Edited by</span> <div class="Tooltip display-none sm:display-inline-block" x-data="interactiveTooltip('DytXYX')" x-bind="container"> <button class="Tooltip-trigger text-link text-black trsy-text-[--text-color] plain font-circular-bold" style="--text-color: var(--color-black);"type="button" id="tooltip-trigger-DytXYX" aria-controls="tooltip-content-DytXYX" x-bind="trigger"> Julie Linton</button><div class="Tooltip-content Tooltip-content--belowTrigger Tooltip-content--anchorCenter author-preview"style="display: none;" id="tooltip-content-DytXYX" aria-hidden="true" aria-labelledby="tooltip-trigger-DytXYX" role="dialog" x-bind="content"> <div class="Tooltip-body"> <div class="Tooltip-arrow"></div> <div class="AuthorPreview AuthorPreview--editor AuthorPreview--tooltip"> <div class="AuthorPreview-top border-b border-gray-light pb-4"> <img srcset="https://www.bankrate.com/brp/2024/10/22134838/Julie-Linton.jpg?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart&dpr=1.5 1.5x, https://www.bankrate.com/brp/2024/10/22134838/Julie-Linton.jpg?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart&dpr=2 2x, https://www.bankrate.com/brp/2024/10/22134838/Julie-Linton.jpg?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart&dpr=3 3x" src="https://www.bankrate.com/brp/2024/10/22134838/Julie-Linton.jpg?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart" loading="lazy" class="AuthorAvatar AuthorAvatar--lg AuthorPreview-avatar flex-shrink-0" alt=""> <div class="AuthorPreview-attribution"> <div class="AuthorPreview-name"> <a href="https://www.bankrate.com/authors/julie-linton/" class="Link Link--standalone text-black"> Julie Linton</a> </div> <span class="AuthorPreview-title type-body-two text-slate text-crop-none">Managing editor, Loans</span> </div> </div> <div class="AuthorPreview-expertise my-4"> <div class="w-full"> <div class="display-flex align-items-center"> <svg class="Icon Icon--sm text-black mr-2" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Ribbon Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M17.856 16.638a2.291 2.291 0 0 0 1.514-2.15v-.764c0-.283.115-.551.314-.75l.535-.543a2.25 2.25 0 0 0 .68-1.622c0-.612-.236-1.193-.672-1.629l-.536-.535a1.053 1.053 0 0 1-.306-.75V7.13a2.303 2.303 0 0 0-2.294-2.302h-.773c-.29 0-.558-.115-.75-.306l-.543-.551a2.294 2.294 0 0 0-3.243 0l-.535.535a1.04 1.04 0 0 1-.75.306h-.773a2.296 2.296 0 0 0-2.287 2.196c-.015.038-.015.084-.015.122v.757c0 .283-.115.551-.314.75l-.474.482-.034.03-.035.031a2.28 2.28 0 0 0-.665 1.614c0 .612.245 1.193.68 1.63l.536.535c.199.199.306.466.306.75v.764c0 1.003.652 1.861 1.553 2.171v4.377a1.37 1.37 0 0 0 1.377 1.377h.008c.214 0 .42-.046.62-.146l2.477-1.239a.147.147 0 0 1 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0 0 0 .681-.16l2.725-1.362a.16.16 0 0 1 .151 0l2.465 1.303a1.495 1.495 0 0 0 1.489-.042c.454-.277.731-.757.731-1.295v-4.777Zm-4.887-2.397a4.002 4.002 0 0 1-2.85-1.185 4.036 4.036 0 0 1 0-5.703 4.002 4.002 0 0 1 2.85-1.186c1.077 0 2.086.42 2.852 1.186a4.002 4.002 0 0 1 1.186 2.851c0 1.077-.42 2.086-1.186 2.852a4.002 4.002 0 0 1-2.852 1.185Zm0-6.728c-.715 0-1.387.277-1.9.79a2.685 2.685 0 0 0 0 3.802c1.017 1.018 2.784 1.018 3.801 0 .513-.513.79-1.186.79-1.9 0-.716-.277-1.389-.79-1.902a2.666 2.666 0 0 0-1.9-.79Z" class="icon-base"/></svg><span class="type-body-two text-black font-circular-bold"> Expertise </span> </div> <ul class="List ml-2 mt-3 mb-3"> <li class="display-flex align-items-center gap-2 mt-2 text-black"> <span class="text-blue-mid text-base"> • </span> Personal loans</li> <li class="display-flex align-items-center gap-2 mt-2 text-black"> <span class="text-blue-mid text-base"> • </span> Auto loans</li> </ul> </div> <div class="display-flex align-items-center text-black"> <svg 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1.846-1.29 1.846H5.572c-.702 0-1.29-.847-1.29-1.846v-8.562Zm3.683 4.128a.808.808 0 0 0 .806-.806.808.808 0 0 0-.806-.806.808.808 0 0 0-.806.806c0 .444.363.806.806.806Zm.806 2.781a.808.808 0 0 1-.806.806.808.808 0 0 1-.806-.806c0-.443.363-.806.806-.806.444 0 .806.363.806.806Zm3.346-2.78a.808.808 0 0 0 .806-.807.808.808 0 0 0-.806-.806.808.808 0 0 0-.806.806c0 .444.362.806.806.806Zm.806 2.78a.808.808 0 0 1-.806.806.808.808 0 0 1-.806-.806c0-.443.362-.806.806-.806.443 0 .806.363.806.806Zm3.329-2.797a.808.808 0 0 0 .806-.806.808.808 0 0 0-.806-.806.808.808 0 0 0-.806.806c0 .443.363.806.806.806Zm.806 2.773a.808.808 0 0 1-.806.806.808.808 0 0 1-.806-.806c0-.444.363-.806.806-.806.443 0 .806.362.806.806Z" class="icon-base"/></svg><div class="type-body-two font-circular-bold leading-normal lowercase display-flex"> 9 Years of experience</div> </div> </div> <div class="AuthorPreview-bottom text-slate"> <div class="AuthorPreview-bio text-crop-none AuthorPreview-bio--truncated"> Julie Linton leads Loans coverage for Bankrate. She is committed to helping readers navigate complex personal finance decisions.</div> <div class="display-flex align-items-center justify-content-space-between w-full"> <a href="https://www.bankrate.com/authors/julie-linton/" class="Link Link--standalone font-bold"> Read more </a> <ul class="AuthorSocialConnect List display-flex align-items-center mb-0 "> <li class="AuthorSocialConnect-item display-block"> <a class="AuthorSocialConnect-link display-flex align-items-center text-slate p-3 hover:text-blue-600" href="https://www.linkedin.com/in/lintonjulie/" target="_blank" rel="nofollow" aria-label="Connect with Julie Linton on LinkedIn" data-beam-element-clicked id="author_bio_julie_linton_linkedin_icon" data-type="icon" data-location="author_bio_julie_linton" data-position="top" data-text="linkedin" data-outcome="open_linkedin" > <svg class="Icon Icon--xs trsy-size-[--size]" style="--size: 1rem" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" 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href="https://www.bankrate.com/authors/julie-linton/" class="text-link text-black trsy-text-[--text-color] plain font-circular-bold " style="--text-color: var(--color-black);">Julie Linton</a> </div> </span> </div> <div class="Byline-user Byline-accordion-on-mobile"> <img srcset="https://www.bankrate.com/brp/2024/11/07174420/MHNYheadshotsm.jpg?auto=webp&quality=85&width=24&height=24&fit=cover&enable=upscale&crop=1:1,smart&dpr=1.5 1.5x, https://www.bankrate.com/brp/2024/11/07174420/MHNYheadshotsm.jpg?auto=webp&quality=85&width=24&height=24&fit=cover&enable=upscale&crop=1:1,smart&dpr=2 2x, https://www.bankrate.com/brp/2024/11/07174420/MHNYheadshotsm.jpg?auto=webp&quality=85&width=24&height=24&fit=cover&enable=upscale&crop=1:1,smart&dpr=3 3x" src="https://www.bankrate.com/brp/2024/11/07174420/MHNYheadshotsm.jpg?auto=webp&quality=85&width=24&height=24&fit=cover&enable=upscale&crop=1:1,smart" loading="lazy" class="AuthorAvatar AuthorAvatar--xs Byline-userAvatar mr-2 flex-shrink-0" alt=""> <span> <span class="text-slate trsy-text-[--text-color] font-circular-book" style="--text-color: var(--color-slate);">Reviewed by</span> <div class="Tooltip display-none sm:display-inline-block" x-data="interactiveTooltip('4tvlda')" x-bind="container"> <button class="Tooltip-trigger text-link text-black trsy-text-[--text-color] plain font-circular-bold" style="--text-color: var(--color-black);"type="button" id="tooltip-trigger-4tvlda" aria-controls="tooltip-content-4tvlda" x-bind="trigger"> Mark Hamrick</button><div class="Tooltip-content Tooltip-content--belowTrigger Tooltip-content--anchorCenter author-preview"style="display: none;" id="tooltip-content-4tvlda" aria-hidden="true" aria-labelledby="tooltip-trigger-4tvlda" role="dialog" x-bind="content"> <div class="Tooltip-body"> <div class="Tooltip-arrow"></div> <div class="AuthorPreview AuthorPreview--reviewer AuthorPreview--tooltip"> <div class="AuthorPreview-top border-b border-gray-light pb-4"> <img srcset="https://www.bankrate.com/brp/2024/11/07174420/MHNYheadshotsm.jpg?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart&dpr=1.5 1.5x, https://www.bankrate.com/brp/2024/11/07174420/MHNYheadshotsm.jpg?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart&dpr=2 2x, https://www.bankrate.com/brp/2024/11/07174420/MHNYheadshotsm.jpg?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart&dpr=3 3x" src="https://www.bankrate.com/brp/2024/11/07174420/MHNYheadshotsm.jpg?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart" loading="lazy" class="AuthorAvatar AuthorAvatar--lg AuthorPreview-avatar flex-shrink-0" alt=""> <div class="AuthorPreview-attribution"> <div class="AuthorPreview-name"> <a href="https://www.bankrate.com/authors/mark-hamrick/" class="Link Link--standalone text-black"> Mark Hamrick</a> </div> <span class="AuthorPreview-title type-body-two text-slate text-crop-none">Washington Bureau Chief, Senior Economic Analyst</span> </div> </div> <div class="AuthorPreview-expertise my-4"> <div class="w-full"> <div class="display-flex align-items-center"> <svg class="Icon Icon--sm text-black mr-2" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Ribbon Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M17.856 16.638a2.291 2.291 0 0 0 1.514-2.15v-.764c0-.283.115-.551.314-.75l.535-.543a2.25 2.25 0 0 0 .68-1.622c0-.612-.236-1.193-.672-1.629l-.536-.535a1.053 1.053 0 0 1-.306-.75V7.13a2.303 2.303 0 0 0-2.294-2.302h-.773c-.29 0-.558-.115-.75-.306l-.543-.551a2.294 2.294 0 0 0-3.243 0l-.535.535a1.04 1.04 0 0 1-.75.306h-.773a2.296 2.296 0 0 0-2.287 2.196c-.015.038-.015.084-.015.122v.757c0 .283-.115.551-.314.75l-.474.482-.034.03-.035.031a2.28 2.28 0 0 0-.665 1.614c0 .612.245 1.193.68 1.63l.536.535c.199.199.306.466.306.75v.764c0 1.003.652 1.861 1.553 2.171v4.377a1.37 1.37 0 0 0 1.377 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1.103.717 2.046 1.707 2.388v4.812A1.506 1.506 0 0 0 8.648 22.5h.009a1.5 1.5 0 0 0 .681-.16l2.725-1.362a.16.16 0 0 1 .151 0l2.465 1.303a1.495 1.495 0 0 0 1.489-.042c.454-.277.731-.757.731-1.295v-4.777Zm-4.887-2.397a4.002 4.002 0 0 1-2.85-1.185 4.036 4.036 0 0 1 0-5.703 4.002 4.002 0 0 1 2.85-1.186c1.077 0 2.086.42 2.852 1.186a4.002 4.002 0 0 1 1.186 2.851c0 1.077-.42 2.086-1.186 2.852a4.002 4.002 0 0 1-2.852 1.185Zm0-6.728c-.715 0-1.387.277-1.9.79a2.685 2.685 0 0 0 0 3.802c1.017 1.018 2.784 1.018 3.801 0 .513-.513.79-1.186.79-1.9 0-.716-.277-1.389-.79-1.902a2.666 2.666 0 0 0-1.9-.79Z" class="icon-base"/></svg><span class="type-body-two text-black font-circular-bold"> Expertise </span> </div> <ul class="List ml-2 mt-3 mb-3"> <li class="display-flex align-items-center gap-2 mt-2 text-black"> <span class="text-blue-mid text-base"> • </span> Personal Finance</li> <li class="display-flex align-items-center gap-2 mt-2 text-black"> <span class="text-blue-mid text-base"> • </span> Economy</li> </ul> </div> </div> <div class="AuthorPreview-bottom text-slate"> <div class="AuthorPreview-bio text-crop-none AuthorPreview-bio--truncated"> Mark Hamrick is Washington Bureau Chief for Bankrate. He is a national award-winning business and financial news journalist.</div> <div class="display-flex align-items-center justify-content-space-between w-full"> <a href="https://www.bankrate.com/authors/mark-hamrick/" class="Link Link--standalone font-bold"> Read more </a> <ul class="AuthorSocialConnect List display-flex align-items-center mb-0 "> <li class="AuthorSocialConnect-item display-block"> <a class="AuthorSocialConnect-link display-flex align-items-center text-slate p-3 hover:text-blue-600" href="https://twitter.com/hamrickisms" target="_blank" rel="nofollow" aria-label="Connect with Mark Hamrick on Twitter" data-beam-element-clicked id="author_bio_mark_hamrick_twitter_icon" data-type="icon" data-location="author_bio_mark_hamrick" data-position="top" data-text="twitter" data-outcome="open_twitter" > <svg class="Icon Icon--xs trsy-size-[--size]" style="--size: 1rem" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Twitter 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The Review Board comprises a panel of financial experts whose objective is to ensure that our content is always objective and balanced. </p> <p>Their reviews hold us accountable for publishing high-quality and trustworthy content.</p> </div> <a class="Button Button--primary" href="/financial-review-board/">About our Review Board</a> </div><button data-cy="modalClose" class="Modal-close" type="button" data-target="expert-verified-0ae50319-6574-4598-ad61-4a30633600f3-modal" aria-label="close" @click=""></button> </div> </div> </template> </div> </div> <div class="type-body-three text-white"> <div class="wysiwyg display-inline has-links"> <div>Updated Feb 13, 2025</div></div> </div> </div> </div> <div class="introText md:col-span-3 mt-4" data-read-more="container"> <div class="mb-4 text-white"> <p id="intro-text-para" class="mb-2 text-sm leading-snug"> <span class="font-circular-bold"> What to know first:</span> <span id="intro-text-shortened"> Refinancing your student loans may land you a lower interest rate and a smaller monthly payment. However, refinancing isn't always a good idea. If you have federal student loans, refinancing comes with downsides you should consider. You'll also need to research student loan companies and their terms to find the best deal.</span> <button class="Link Link--standalone text-blue-300 font-circular-bold bg-transparent p-0 mb-2" id="intro-read-more-trigger" data-beam-element-clicked data-type="Button" data-location="DarkSideV1" data-position="DarkSideV1 component" data-text="Read more" >Read more</button> <span class="display-none" id="intro-text-remaining"></span> </p> <div aria-hidden="false" class="introReadMore text-sm text-white mb-2 display-none" id="intro-read-more-content"> <div class="wysiwyg display-inline has-links"> <p>Bankrate's ranking of the best student loan refinancing companies compares rates, terms and features to help you start your search for a lender. The resources below can also help you explore whether refinancing is right for you.</p></div> <div class="full-width text-right -mt-6 mb-4"> <button class="Link Link--standalone text-sm text-blue-300 font-circular-bold bg-transparent p-0" id="intro-show-less-trigger" data-beam-element-clicked data-type="Button" data-location="DarkSideV1" data-position="DarkSideV1 component" data-text="Read Less" >Read Less</button> </div> </div> </div> </div> </div> </div> <div class="display-flex flex-direction-column sm:align-items-center mb-8 sm:mb-0"> <div id="rate-table-entry-point-banner" class="bg-white FormPqBanner FormPqBanner-check-list-no-input pos-relative box-shadow-1 rounded-lg"> <div class="m-6 md:mx-12 md:mt-6 md: mb-4"> <h2 class="type-heading-three text-xl mb-4 md:mb-4"> Check your personalized rates</h2> <div class="display-flex flex-direction-column sm:flex-direction-row-reverse gap-4"> <form class="rate-table-entry-point-banner-form-no-input w-full sm:w-1/2 md:w-1/3 display-flex flex-direction-column sm:-mt-12"> <a rel="nofollow" href="https://www.credible.com/private-student-loans/prequal/role?utm_source=bankrate&utm_m[…]referral&utm_campaign=insert_campaign&utm_content=[CLICK_ID]" class="Button Button--primary w-full max-w-none max-h-12 sm:mt-6 md:mb-0 pr-3 pl-3" id="btn-pq-cta" onclick="trackingHandler()"> Find my rate</a> <span class="font-normal text-sm text-center my-1 text-slate"> with Credible</span> </form> <div class="w-full sm:w-2/3 md:w-2/3"> <ul class="m-0"> <li class="flex-item display-flex align-items-center font-normal text-sm pb-2 text-slate"> <svg viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" width="20px" height="20px" class="mr-1 flex-shrink-0"> <title>Checkmark</title> <path fill-rule="evenodd" clip-rule="evenodd" d="M20.72 6.657l-1.792-1.79-9.573 9.368-3.778-3.71-1.827 1.789 5.657 5.657L20.72 6.657z" class="checkmark_svg__icon-base" fill="#0157ff"></path> </svg> <span> <div class="wysiwyg display-block w-full has-links"> <div>Compare rates in less than 2 minutes</div></div> </li> <li class="flex-item display-flex align-items-center font-normal text-sm text-slate"> <svg viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" width="20px" height="20px" class="mr-1 flex-shrink-0"> <title>Checkmark</title> <path fill-rule="evenodd" clip-rule="evenodd" d="M20.72 6.657l-1.792-1.79-9.573 9.368-3.778-3.71-1.827 1.789 5.657 5.657L20.72 6.657z" class="checkmark_svg__icon-base" fill="#0157ff"></path> </svg> <span> <div class="wysiwyg display-block w-full has-links"> <div>Checking will not impact your credit score</div></div> </span> </li> </ul> </div> </div> </div> </div> </div> <div class="Drawer md:col-span-3 text-center sm:text-left mt-2 sm:mt-6"> <button data-beam-element-clicked data-type="Button" data-location="DarkSideV1" data-position="DarkSideV1 component" data-text="Table of contents" data-outcome="open drawer" class="Link Link--standalone DrawerItem DrawerItemFooter bg-transparent pl-0 lg:pl-2" data-target="table-of-contents-modal-drawer" type="button"> Table of contents </button> <div id="table-of-contents-modal-drawer" class="Modal ModalDrawer h-full is-closed p-0" x-data role="dialog" aria-hidden="true"> <button class="Modal-overlay" data-target="table-of-contents-modal-drawer" data-modal="toggle" aria-label="close"></button> <div class="Modal-container ModalDrawer-container" role="document" > <div class="ModalDrawer-scroller p-6 bg-white box-shadow-four rounded-t-lg"> <div class="ModalDrawer-content m-auto"> <div id="h-toc-link" class="DrawerItemContent"> <div class="wysiwyg display-block w-full has-links"> <p><strong>Table of contents</strong></p> <ul> <li><a class="Link" href="#what-is">What is student loan refinancing?</a></li> <li><a class="Link" href="#should-you-refinance">Should I refinance my student loans?</a></li> <li><a class="Link" href="#how-to">How to refinance a student loan</a></li> <li><a class="Link" href="#faqs">FAQs</a></li> <li><a class="Link" href="#methodology">Methodology</a></li> </ul></div> </div></div> </div> <button class="ModalDrawer-close p-3 w-12 cursor-pointer bg-transparent text-blue md:mr-2 md:mt-2" type="button" data-modal="toggle" data-target="table-of-contents-modal-drawer" aria-label="close"> <svg width="24" height="24" class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Close X Icon</title><path d="M18.88 3.28a1.3 1.3 0 1 1 1.839 1.84L13.839 12l6.88 6.881a1.3 1.3 0 1 1-1.838 1.838L12 13.84l-6.881 6.88a1.3 1.3 0 1 1-1.839-1.838L10.161 12l-6.88-6.88a1.3 1.3 0 0 1 1.838-1.84L12 10.162l6.882-6.88Z" class="icon-base"/></svg></button> </div> </div> <script> addEventListener('load', (_) => { const mymodal = document.getElementById("table-of-contents-modal-drawer"); const container = document.getElementById("modalStack"); container.append(mymodal); window.initModal('table-of-contents-modal-drawer', false); }); </script> <button data-beam-element-clicked data-type="Button" data-location="DarkSideV1" data-position="DarkSideV1 component" data-text="Definition of terms" data-outcome="open drawer" class="Link Link--standalone DrawerItem DrawerItemFooter bg-transparent" data-target="definition-of-terms-modal-drawer" type="button"> Definition of terms </button> <div id="definition-of-terms-modal-drawer" class="Modal ModalDrawer h-full is-closed p-0" x-data role="dialog" aria-hidden="true"> <button class="Modal-overlay" data-target="definition-of-terms-modal-drawer" data-modal="toggle" aria-label="close"></button> <div class="Modal-container ModalDrawer-container" role="document" > <div class="ModalDrawer-scroller p-6 bg-white box-shadow-four rounded-t-lg"> <div class="ModalDrawer-content m-auto"> <div class="DrawerItemContent"> <div class="wysiwyg display-block w-full has-links"> <p><strong>Definition of terms</strong></p> <p><strong>APR</strong><br />Annual percentage rate, or APR, represents the interest rate plus any additional fees that may impact the annual cost of your loan.</p> <p><strong>Estimated monthly payment</strong><br />How much you can expect to pay on your loan each month based on the loan principal, loan term and interest rate.</p> <p><strong>Term</strong><br />The period of time until your loan achieves maturity and is paid off in completion. Terms can be expressed in months or years, depending on the details of your loan.</p> <p><strong>Total interest and fees</strong><br />Total interest and fees include estimated interest over the life of your loan and origination fees, if applicable.</p> <p><strong>AutoPay</strong><br />Automated payments are recurring monthly charges on a bill's due date that are automatically deducted from the borrower's account. These are normally used for loans, mortgages and other bill payments.</p> <p><strong>Bankrate Score</strong><br />Bankrate's scores for personal loan lenders evaluate 11 data points related to loan costs and terms, as well as customer experience.</p> <p><strong>Max Loan Amount</strong><br />The max loan amount is the largest sum a lender will give. This amount may not be available to borrowers who don't have good or excellent credit.</p> <p><strong>Settlement Fee</strong><br />The estimated range of fees, as a percentage of your total debt amount resolved, that are owed to the debt settlement provider as payment for their services.</p> <p><strong>BBB Rating</strong><br />Represents the Better Business Bureau's opinion of how the business is likely to interact with its customers. The BBB is a non-profit organization which has helped provide unbiased information to consumers for over 100 years. The BBB rating is based on information BBB is able to obtain about the business, including complaints received from the public. 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mobile-filter-panel"><div class="flex content-center justify-between mt-3 md:hidden"><h2 class="type-heading-four m-0">Filter results</h2><div class="close-button"><svg viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em"><title>Close X</title><path fill-rule="evenodd" clip-rule="evenodd" d="M12 10.586L4.222 2.808 2.808 4.222 10.586 12l-7.778 7.778 1.414 1.414L12 13.414l7.778 7.778 1.414-1.414L13.414 12l7.778-7.778-1.414-1.414L12 10.586z" class="close-x_svg__icon-base"></path></svg></div></div><div class="grid grid-cols-2 md:grid-cols-5"><div class="col-span-4"><form action="#"><div class="flex flex-col align-items-flex-top md:flex-row"><div class="md:mt-4 mb-2 md:mt-0 md:mr-4 load-reason-input"><label class="FormLabel " for="loanPurpose">Loan Type</label><div class="FormControl FormControl--withRightIcon"><select name="loanPurpose" id="loanPurpose" class="FormSelect"><option value="student_refi" selected="">Refinance</option><option 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class="FormControl FormControl--withLeftIcon" data-format="$"><label class="FormLabel FormLabel" for="loanAmount">Loan amount</label><input inputMode="numeric" class="FormInput" name="loanAmount" id="loanAmount" type="text" value="80,000"/></div></div><div class="mb-4 md:mt-4"><label class="FormLabel" for="creditScore">Credit score</label><div class="FormControl FormControl--withRightIcon"><select name="creditScore" id="creditScore" class="FormSelect"><option value="750" selected="">Excellent (750+)</option><option value="700">Good (700-749)</option><option value="640">Fair (640-699)</option><option value="639">Needs Work (< 640)</option></select><span class="FormSelect-arrow Icon Icon--xs"><svg class="icon__glyph" focusable="false" width="18px" height="18px" viewBox="-1 -2 8 8" version="1.1" aria-hidden="true"><g stroke="none" stroke-width="1" fill="" fill-rule="evenodd"><g transform="translate(-134.000000, -43.000000)" fill=""><polygon points="134.707107 43 134 43.6965437 137.353553 47 140.707107 43.6965437 140 43 137.358734 45.6018093"></polygon></g></g></svg></span></div></div></div></form></div><div class="grid-column-reverted md:mt-4 mb-2 md:col-span-1 col-span-4"><div class="FormControl "><label class="FormLabel " for="loanPurpose">Sort by</label><select class="FormSelect" aria-label="Form select"><option value="rank" selected="">Default</option><option value="lender">Lending Partner</option><option value="apr">APR</option><option value="term">Term</option><option value="amount">Max Loan Amount</option><option value="review-score">Bankrate Score</option></select><span class="FormSelect-arrow Icon Icon--xs"><svg class="icon__glyph" focusable="false" width="18px" height="18px" viewBox="-1 -2 8 8" version="1.1" aria-hidden="true"><g stroke="none" stroke-width="1" fill="" fill-rule="evenodd"><g transform="translate(-134.000000, -43.000000)" fill=""><polygon points="134.707107 43 134 43.6965437 137.353553 47 140.707107 43.6965437 140 43 137.358734 45.6018093"></polygon></g></g></svg></span></div></div></div></div></div><div class="col-span-5 md:col-span-6"><div class="mb-4"><div class="RateCard-layout grid grid-cols-12 w-full"><div class="RateCard-item"><article class="RateCard border border-gray-400 rounded text-base"><div class="flex flex-col md:flex-row md:items-center text-center"><div class="card-flag px-4 self-stretch bg-blue-700"><p class="type-heading-five uppercase m-0 py-3 text-white">STUDENT LOAN</p></div><div class="card-flag bg-blue-100 px-4"><h2 class="type-heading-six uppercase text-blue-900 m-0 py-2">RISLA: Best for financial benefits and resources</h2></div></div><div class="px-4 sm:py-3"><div class="flex flex-col md:justify-between md:flex-row gap-4 md:items-center RateCard__topContainerv2"><div class="RateCard__firstColumn flex items-center md:items-start justify-between md:flex-col md:justify-start mt-4 md:mt-0 mr-3 md:mr-0"><div class="RateCard__LenderLogo pb-1"><img src="https://www.bankrate.com/static/loans/logos/RISLA.png?optimize=medium&format=pjpg&auto=webp" alt="RISLA" loading="lazy" height="60" style="max-width:100%;max-height:max-content;height:auto"/></div><div class="flex flex-col relative"><div class="flex items-center justify-center"><div class="RatingStars mr-1" role="marquee" aria-label="4.0 star rating"><div class="RatingStars-iconMask" style="width:80%"><ul class="RatingStars-iconContainer"><li class="RatingStars-icon Icon Icon--xs fill-blue-600 text-blue-600"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-blue-600 text-blue-600"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-blue-600 text-blue-600"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-blue-600 text-blue-600"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-blue-600 text-blue-600"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li></ul></div><ul class="RatingStars-iconContainer mb-1"><li class="RatingStars-icon Icon Icon--xs fill-gray-400 text-gray-400"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-gray-400 text-gray-400"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-gray-400 text-gray-400"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-gray-400 text-gray-400"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-gray-400 text-gray-400"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li></ul></div><div class="text-base font-bold mr-2 text-gray-900">4.0</div></div><div class="text-sm text-gray-900 text-center"><a class="Link Link--standalone" href="https://www.bankrate.com/loans/student-loans/reviews/risla/" target="_blank" rel="noreferrer">Bankrate Review</a></div><div class="tooltip-wrapper inline-block ml-1 cursor-pointer mt-1 absolute"><div class="Tooltip" data-test="undefined"><button class="Tooltip-trigger Button Button--bare" type="button" aria-expanded="false"><span class="Icon Icon--xs fill-blue-600 text-blue-600"><svg viewBox="0 0 16 16" fill="currentColor" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" class="Icon-glyph"><path fill-rule="evenodd" clip-rule="evenodd" d="M8 16A8 8 0 108 0a8 8 0 000 16zm0-1A7 7 0 118 1a7 7 0 010 14zM7 5.012a1 1 0 112 0A.994.994 0 018 6c-.549 0-1-.451-1-.988zM7 12V7h2v5H7z" class="info_svg__icon-base"></path></svg></span><span class="sr-only">Hover to learn more about our Bankrate scores.</span></button><div class="Tooltip-content Tooltip-content--anchorLeft hidden" id="scoreTooltip_:R1kcm:" role="tooltip" aria-hidden="true"><div class="Tooltip-body font-medium"><div class="Tooltip-arrow"></div><p class="text-xs"><span class="font-bold">Bankrate Score = 4.0/5</span><br/>Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.</p></div></div></div></div></div></div><div class=" RateCard__headerDataContainer flex-2 "><div class="flex flex-col w-full md:grid md:grid-cols-3 md:justify-between md:gap-5"><div><div class=" flex justify-between w-full mb-2 border-t pt-2 border-gray-400 md:flex-col md:border-t-0 md:border-r md:mx-4 md:p-0 md:h-full md:justify-start"><span class="flex"><div class="text-gray-900 ml-0 text-sm md:text-base">Fixed APR from</div><div class="ml-1"><div class="Tooltip" data-test="undefined"><button class="Tooltip-trigger Button Button--bare" type="button" aria-expanded="false"><span class="Icon Icon--xs fill-blue-600 text-blue-600"><svg viewBox="0 0 16 16" fill="currentColor" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" class="Icon-glyph"><path fill-rule="evenodd" clip-rule="evenodd" d="M8 16A8 8 0 108 0a8 8 0 000 16zm0-1A7 7 0 118 1a7 7 0 010 14zM7 5.012a1 1 0 112 0A.994.994 0 018 6c-.549 0-1-.451-1-.988zM7 12V7h2v5H7z" class="info_svg__icon-base"></path></svg></span><span class="sr-only">Hover to learn more.</span></button><div class="Tooltip-content Tooltip-content--anchorLeft hidden" id="aprTooltip_:R1kcm:" role="tooltip" aria-hidden="true"><div class="Tooltip-body font-medium"><div class="Tooltip-arrow"></div><p class="text-xs">An annual percentage rate (APR) represents the interest and fees you'll pay on top of your initial amount every month. A fixed rate will not change during your repayment period.</p></div></div></div></div></span><div class="flex-col relative"><div class="font-bold text-gray-900 font-bold text-base md:text-3xl">3.99- 8.99<span class="Numeral-accent ">%</span></div></div></div></div><div class=" "><span class="text-gray-700 font-sans md:text-base"><div class="flex justify-between w-full mb-2 md:flex-col md:border-t-0 md:border-r border-gray-400 border-t pt-2 md:mx-4 md:p-0 md:h-full md:justify-start"><div class="text-gray-900 ml-0 text-sm md:text-base md:pl-2">Loan term</div><div class="font-bold text-gray-900 font-bold text-base md:text-3xl md:pl-2">5-15 yrs</div></div></span></div><div class="md:w-48"><div class="flex justify-between w-full mb-2 border-t pt-2 border-gray-400 md:flex-col md:border-t-0 md:mx-4 md:p-0 md:h-full md:justify-start border-b md:border-b-0 "><div class="flex"><div class="text-gray-900 ml-0 text-sm md:text-base md:pl-2 mb-4 md:mb-0">Loan amount</div><div class="ml-1"><div class="Tooltip" data-test="undefined"><button class="Tooltip-trigger Button Button--bare" type="button" aria-expanded="false"><span class="Icon Icon--xs fill-blue-600 text-blue-600"><svg viewBox="0 0 16 16" fill="currentColor" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" class="Icon-glyph"><path fill-rule="evenodd" clip-rule="evenodd" d="M8 16A8 8 0 108 0a8 8 0 000 16zm0-1A7 7 0 118 1a7 7 0 010 14zM7 5.012a1 1 0 112 0A.994.994 0 018 6c-.549 0-1-.451-1-.988zM7 12V7h2v5H7z" class="info_svg__icon-base"></path></svg></span><span class="sr-only">Hover to learn more.</span></button><div class="Tooltip-content Tooltip-content--anchorLeft hidden" id="aprTooltip_:R1kcm:" role="tooltip" aria-hidden="true"><div class="Tooltip-body font-medium"><div class="Tooltip-arrow"></div><p class="text-xs">The range of loan amounts that a lender will service. The maximum value is the largest amount a lender will give although this amount may not be available to borrowers who don’t have good or excellent credit. Amount ranges may vary for non-loan products. Term refers to the amount of time you have to repay the loan.</p></div></div></div></div></div><div class="font-bold text-gray-900 font-bold text-base md:text-3xl lowercase md:pl-2">$7.5k- $250K<span class="Numeral-accent"></span></div></div></div></div></div><div class="text-center sm:pt-8"><div></div><div><a href="" target="_blank" class="Button Button--primary RateTableButton Button Button--primary w-full md:w-60 mb-2" rel="noopener nofollow">See offers<svg viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" class="Button-icon Icon Icon--xs ml-2"><title>Arrow Right</title><path d="M20 12l-6.114 6-1.528-1.5 3.362-3.3H3v-2.4h12.72l-3.362-3.3L13.886 6 20 12z" class="arrow-right_svg__icon-base"></path></svg></a><p class="text-sm text-gray-700 mb-0">Check rate with Credible</p></div></div></div><div class="pb-3 pt-2 sm:pb-0"><div class="flex justify-between"><div><div class="Tooltip" data-test="VerifiedLenderTooltip"><button class="Tooltip-trigger Button Button--bare" type="button" aria-expanded="false"><span class="Icon Icon--xs fill-blue-600 text-blue-600"><svg class="Icon-glyph" viewBox="0 0 16 16" fill="currentColor" focusable="false"><path fill-rule="evenodd" clip-rule="evenodd" d="M4.686 0 8 .785 11.313 0l1.789 2.898L16 4.686 15.215 8 16 11.314l-2.898 1.789L11.313 16l-3.229-.784L4.686 16l-1.789-2.897L0 11.314.784 8 0 4.686l2.897-1.788L4.686 0Zm5.731 2.165-1.98.467L8 2.736l-.437-.104-1.981-.467-1.069 1.731-.236.382-.382.236-1.732 1.068.469 1.981.103.437-.103.438-.469 1.981 1.732 1.068.382.236.236.382 1.073 1.738 2.071-.478.437-.1.438.106 1.89.459 1.064-1.725.236-.382.382-.236 1.732-1.068-.468-1.981L13.264 8l.104-.437.468-1.981-1.732-1.068-.382-.236-.236-.382-1.069-1.731ZM5.736 6.713l1.423 1.423 3.104-3.105 1.415 1.415-4.525 4.524-1.414-1.415.005-.005-1.422-1.423 1.414-1.414Z" class="icon-base" fill="currentColor"></path><title>Badge</title></svg></span><span class="sr-only">Hover to learn more about our Bankrate scores.</span><span class="text-sm border-b border-dotted border-blue-600 text-gray-700 ml-1 font-normal font-sans">Verified lender</span></button><div class="Tooltip-content Tooltip-content--anchorLeft hidden" id="scoreTooltip_:R2kcm:" role="tooltip" aria-hidden="true"><div class="Tooltip-body font-medium"><div class="Tooltip-arrow"></div><p class="text-xs">This lender is registered in states where it does business and was vetted by the Bankrate Editorial team.</p></div></div></div></div><div><button type="button" class="Accordion-titleContainer p-0 bg-white hover:bg-white" aria-expanded="false"><h3 class="Accordion-title font-bold flex-none mr-2 my-0 text-base text-gray-900 hover:text-gray-900">See details</h3><span class="Accordion-icon Icon Icon--xs text-blue-600"><svg class="Icon-glyph" focusable="false" width="18px" height="18px" viewBox="-1 -2 8 8" version="1.1" aria-hidden="true"><g stroke="none" stroke-width="1" fill="" fill-rule="evenodd"><g transform="translate(-134.000000, -43.000000)" fill=""><polygon points="134.707107 43 134 43.6965437 137.353553 47 140.707107 43.6965437 140 43 137.358734 45.6018093"></polygon></g></g></svg></span></button></div></div><div class="Accordion-content p-0 mt-4 block pt-3 pb-0 md:pb-0 bg-white hidden" aria-hidden="false" data-toggle="content"><div class="bg-gray-100 py-4 px-5"><div class="flex items-center"><svg class="icon__glyph " xmlns="http://www.w3.org/2000/svg" width="32" height="32" viewBox="0 0 32 32" fill="none"><rect width="32" height="32" rx="4" fill="#0157FF"></rect><path fill-rule="evenodd" clip-rule="evenodd" d="M20.0705 16.0299C19.7404 15.7036 19.364 15.4236 18.9524 15.1982C19.0949 15.0614 19.2272 14.915 19.3482 14.7602C20.0268 13.8733 20.3526 12.7829 20.267 11.6857C20.196 10.5387 19.6941 9.45526 18.8542 8.63624C17.8763 7.72575 16.5555 7.23461 15.1936 7.27505H10.4727V24.7238H16.0372C17.4884 24.7756 18.898 24.2532 19.936 23.2787C20.9739 22.3042 21.549 20.9633 21.5266 19.5701C21.5446 18.2523 21.0215 16.9807 20.0705 16.0299ZM15.1936 9.3099C17.1091 9.3099 18.0539 10.5713 18.1405 11.8216C18.2068 13.1109 17.2481 14.2402 15.9188 14.4386H12.5934V9.3099H15.1936ZM12.5934 22.6889H16.0286H16.0372C18.3717 22.6889 19.4147 21.0727 19.4147 19.5701C19.4147 18.1341 18.4526 16.4707 15.731 16.4707H12.5934V22.6889Z" fill="white"></path></svg><span class="ml-2 font-bold uppercase text-sm heading-letter-spacing">Expert Take:</span></div><div class="text-gray-700 mt-2 wysiwyg"><p>The Rhode Island Student Loan Authority (RISLA) is a private student loan company that serves students nationwide. It is an especially strong refinance option for those who have not received their degree yet.</p></div></div><div class="mt-4 md:grid md:grid-cols-2 md:gap-6" id="seeDetailsContent_:R2kcm:"><div><div class="RateCard__seeDetails"><span class="font-bold text-gray-900">Known qualification requirements</span><div class="text-gray-700 wysiwyg"><ul><li>Be a U.S. citizen or permanent resident</li><li>Be enrolled or planning to attend a Title IV degree-granting program at an eligible public or nonprofit school</li><li>Have a minimum annual income of at least $40,000</li></ul></div></div><div class="RateCard__seeDetails"><span class="font-bold text-gray-900">Fees</span><ul class="text-gray-700"><li>None</li></ul></div></div><div><div class="text-crop-none text-gray-700 RateCard__pros"><h4 class="font-bold text-base pb-3 mb-4 border-b border-gray-400">Pros</h4><ul data-testid="pros-section"><li>No fees</li><li>Income-based repayment option</li><li>Borrower protection programs</li></ul></div><div class="text-crop-none text-gray-700 RateCard__cons"><h4 class="font-bold text-base pb-3 mb-4 border-b border-gray-400">Cons</h4><ul data-testid="cons-section"><li>Steep income requirements</li><li>Minimal repayment terms</li><li>High minimum amount</li></ul></div></div></div><div><button type="button" class="Accordion-titleContainer mt-2 p-0 bg-white hover:bg-white" aria-expanded="false"><span class="font-bold text-gray-900 mr-2">See disclosures</span><span class="Accordion-icon Icon Icon--xs text-blue-600"><svg class="Icon-glyph" focusable="false" width="18px" height="18px" viewBox="-1 -2 8 8" version="1.1" aria-hidden="true"><g stroke="none" stroke-width="1" fill="" fill-rule="evenodd"><g transform="translate(-134.000000, -43.000000)" fill=""><polygon points="134.707107 43 134 43.6965437 137.353553 47 140.707107 43.6965437 140 43 137.358734 45.6018093"></polygon></g></g></svg></span></button></div><div class="Accordion-content p-0 block bg-white hidden" aria-hidden="false" data-toggle="content"><div class="text-gray-700 text-xs wysiwyg mt-2" id="seeDisclosuresContent_seeDetailsContent_:R2kcm:"><p>1. THE ANNUAL PERCENTAGE RATE (APR) IMMEDIATE REPAY: Reflects the estimated total cost of the loan, including upfront fees ($0), accruing interest, and the effect of capitalized interest ($0). Interest begins accruing after each loan disbursement. Rates shown include the 0.25% interest rate reduction for using the auto-pay feature. If the monthly payment is calculated to be less than $50 per month for the full term, the lowest payment is $50 per month with the term reduced. Not all borrowers qualify for the lowest rate. The rate you will receive (ranging from 6.34% – 8.29% APR with auto-pay) is based on the term of the loan, if the loan is cosigned (which lowers your rate), if you are a Rhode Island resident (which lowers your rate), your credit score & financial history, your cosigner's credit score (if applicable), and other factors. The rate shown is for a 5-year term. The first payment will be due approximately 30 days after the loan is completely disbursed. The rates and terms disclosed above are available while funds last. New funds may be subject to different rates and/or terms. </p></div></div></div></div></div></article></div></div></div><div class="mb-4"><div class="RateCard-layout grid grid-cols-12 w-full"><div class="RateCard-item"><article class="RateCard border border-gray-400 rounded text-base"><div class="flex flex-col md:flex-row md:items-center text-center"><div class="card-flag px-4 self-stretch bg-blue-700"><p class="type-heading-five uppercase m-0 py-3 text-white">STUDENT LOAN</p></div><div class="card-flag bg-blue-100 px-4"><h2 class="type-heading-six uppercase text-blue-900 m-0 py-2">Earnest: Best for flexible repayment options </h2></div></div><div class="px-4 sm:py-3"><div class="flex flex-col md:justify-between md:flex-row gap-4 md:items-center RateCard__topContainerv2"><div class="RateCard__firstColumn flex items-center md:items-start justify-between md:flex-col md:justify-start mt-4 md:mt-0 mr-3 md:mr-0"><div class="RateCard__LenderLogo pb-1"><img src="https://www.bankrate.com/static/loans/logos/Earnest.png?optimize=medium&format=pjpg&auto=webp" alt="Earnest" loading="lazy" height="60" style="max-width:100%;max-height:max-content;height:auto"/></div><div class="flex flex-col relative"><div class="flex items-center justify-center"><div class="RatingStars mr-1" role="marquee" aria-label="4.4 star rating"><div class="RatingStars-iconMask" style="width:88.00000000000001%"><ul class="RatingStars-iconContainer"><li class="RatingStars-icon Icon Icon--xs fill-blue-600 text-blue-600"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-blue-600 text-blue-600"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-blue-600 text-blue-600"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-blue-600 text-blue-600"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-blue-600 text-blue-600"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li></ul></div><ul class="RatingStars-iconContainer mb-1"><li class="RatingStars-icon Icon Icon--xs fill-gray-400 text-gray-400"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-gray-400 text-gray-400"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-gray-400 text-gray-400"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-gray-400 text-gray-400"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-gray-400 text-gray-400"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li></ul></div><div class="text-base font-bold mr-2 text-gray-900">4.4</div></div><div class="text-sm text-gray-900 text-center"><a class="Link Link--standalone" href="https://www.bankrate.com/loans/student-loans/reviews/earnest/" target="_blank" rel="noreferrer">Bankrate Review</a></div><div class="tooltip-wrapper inline-block ml-1 cursor-pointer mt-1 absolute"><div class="Tooltip" data-test="undefined"><button class="Tooltip-trigger Button Button--bare" type="button" aria-expanded="false"><span class="Icon Icon--xs fill-blue-600 text-blue-600"><svg viewBox="0 0 16 16" fill="currentColor" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" class="Icon-glyph"><path fill-rule="evenodd" clip-rule="evenodd" d="M8 16A8 8 0 108 0a8 8 0 000 16zm0-1A7 7 0 118 1a7 7 0 010 14zM7 5.012a1 1 0 112 0A.994.994 0 018 6c-.549 0-1-.451-1-.988zM7 12V7h2v5H7z" class="info_svg__icon-base"></path></svg></span><span class="sr-only">Hover to learn more about our Bankrate scores.</span></button><div class="Tooltip-content Tooltip-content--anchorLeft hidden" id="scoreTooltip_:R1kkm:" role="tooltip" aria-hidden="true"><div class="Tooltip-body font-medium"><div class="Tooltip-arrow"></div><p class="text-xs"><span class="font-bold">Bankrate Score = 4.4/5</span><br/>Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.</p></div></div></div></div></div></div><div class=" RateCard__headerDataContainer flex-2 "><div class="flex flex-col w-full md:grid md:grid-cols-3 md:justify-between md:gap-5"><div><div class=" flex justify-between w-full mb-2 border-t pt-2 border-gray-400 md:flex-col md:border-t-0 md:border-r md:mx-4 md:p-0 md:h-full md:justify-start"><span class="flex"><div class="text-gray-900 ml-0 text-sm md:text-base">Fixed APR from</div><div class="ml-1"><div class="Tooltip" data-test="undefined"><button class="Tooltip-trigger Button Button--bare" type="button" aria-expanded="false"><span class="Icon Icon--xs fill-blue-600 text-blue-600"><svg viewBox="0 0 16 16" fill="currentColor" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" class="Icon-glyph"><path fill-rule="evenodd" clip-rule="evenodd" d="M8 16A8 8 0 108 0a8 8 0 000 16zm0-1A7 7 0 118 1a7 7 0 010 14zM7 5.012a1 1 0 112 0A.994.994 0 018 6c-.549 0-1-.451-1-.988zM7 12V7h2v5H7z" class="info_svg__icon-base"></path></svg></span><span class="sr-only">Hover to learn more.</span></button><div class="Tooltip-content Tooltip-content--anchorLeft hidden" id="aprTooltip_:R1kkm:" role="tooltip" aria-hidden="true"><div class="Tooltip-body font-medium"><div class="Tooltip-arrow"></div><p class="text-xs">An annual percentage rate (APR) represents the interest and fees you'll pay on top of your initial amount every month. A fixed rate will not change during your repayment period.</p></div></div></div></div></span><div class="flex-col relative"><div class="font-bold text-gray-900 font-bold text-base md:text-3xl">3.94- 9.99<span class="Numeral-accent ">%</span></div></div></div></div><div class=" "><span class="text-gray-700 font-sans md:text-base"><div class="flex justify-between w-full mb-2 md:flex-col md:border-t-0 md:border-r border-gray-400 border-t pt-2 md:mx-4 md:p-0 md:h-full md:justify-start"><div class="text-gray-900 ml-0 text-sm md:text-base md:pl-2">Loan term</div><div class="font-bold text-gray-900 font-bold text-base md:text-3xl md:pl-2">5-20 yrs</div></div></span></div><div class="md:w-48"><div class="flex justify-between w-full mb-2 border-t pt-2 border-gray-400 md:flex-col md:border-t-0 md:mx-4 md:p-0 md:h-full md:justify-start border-b md:border-b-0 "><div class="flex"><div class="text-gray-900 ml-0 text-sm md:text-base md:pl-2 mb-4 md:mb-0">Loan amount</div><div class="ml-1"><div class="Tooltip" data-test="undefined"><button class="Tooltip-trigger Button Button--bare" type="button" aria-expanded="false"><span class="Icon Icon--xs fill-blue-600 text-blue-600"><svg viewBox="0 0 16 16" fill="currentColor" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" class="Icon-glyph"><path fill-rule="evenodd" clip-rule="evenodd" d="M8 16A8 8 0 108 0a8 8 0 000 16zm0-1A7 7 0 118 1a7 7 0 010 14zM7 5.012a1 1 0 112 0A.994.994 0 018 6c-.549 0-1-.451-1-.988zM7 12V7h2v5H7z" class="info_svg__icon-base"></path></svg></span><span class="sr-only">Hover to learn more.</span></button><div class="Tooltip-content Tooltip-content--anchorLeft hidden" id="aprTooltip_:R1kkm:" role="tooltip" aria-hidden="true"><div class="Tooltip-body font-medium"><div class="Tooltip-arrow"></div><p class="text-xs">The range of loan amounts that a lender will service. The maximum value is the largest amount a lender will give although this amount may not be available to borrowers who don’t have good or excellent credit. Amount ranges may vary for non-loan products. Term refers to the amount of time you have to repay the loan.</p></div></div></div></div></div><div class="font-bold text-gray-900 font-bold text-base md:text-3xl lowercase md:pl-2">$5k- $500K<span class="Numeral-accent"></span></div></div></div></div></div><div class="text-center sm:pt-8"><div></div><div><a href="" target="_blank" class="Button Button--primary RateTableButton Button Button--primary w-full md:w-60 mb-2" rel="noopener nofollow">Read our review<svg viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" class="Button-icon Icon Icon--xs ml-2"><title>Arrow Right</title><path d="M20 12l-6.114 6-1.528-1.5 3.362-3.3H3v-2.4h12.72l-3.362-3.3L13.886 6 20 12z" class="arrow-right_svg__icon-base"></path></svg></a><p class="text-sm text-gray-700 mb-0">on Bankrate</p></div></div></div><div class="pb-3 pt-2 sm:pb-0"><div class="flex justify-between"><div><div class="Tooltip" data-test="VerifiedLenderTooltip"><button class="Tooltip-trigger Button Button--bare" type="button" aria-expanded="false"><span class="Icon Icon--xs fill-blue-600 text-blue-600"><svg class="Icon-glyph" viewBox="0 0 16 16" fill="currentColor" focusable="false"><path fill-rule="evenodd" clip-rule="evenodd" d="M4.686 0 8 .785 11.313 0l1.789 2.898L16 4.686 15.215 8 16 11.314l-2.898 1.789L11.313 16l-3.229-.784L4.686 16l-1.789-2.897L0 11.314.784 8 0 4.686l2.897-1.788L4.686 0Zm5.731 2.165-1.98.467L8 2.736l-.437-.104-1.981-.467-1.069 1.731-.236.382-.382.236-1.732 1.068.469 1.981.103.437-.103.438-.469 1.981 1.732 1.068.382.236.236.382 1.073 1.738 2.071-.478.437-.1.438.106 1.89.459 1.064-1.725.236-.382.382-.236 1.732-1.068-.468-1.981L13.264 8l.104-.437.468-1.981-1.732-1.068-.382-.236-.236-.382-1.069-1.731ZM5.736 6.713l1.423 1.423 3.104-3.105 1.415 1.415-4.525 4.524-1.414-1.415.005-.005-1.422-1.423 1.414-1.414Z" class="icon-base" fill="currentColor"></path><title>Badge</title></svg></span><span class="sr-only">Hover to learn more about our Bankrate scores.</span><span class="text-sm border-b border-dotted border-blue-600 text-gray-700 ml-1 font-normal font-sans">Verified lender</span></button><div class="Tooltip-content Tooltip-content--anchorLeft hidden" id="scoreTooltip_:R2kkm:" role="tooltip" aria-hidden="true"><div class="Tooltip-body font-medium"><div class="Tooltip-arrow"></div><p class="text-xs">This lender is registered in states where it does business and was vetted by the Bankrate Editorial team.</p></div></div></div></div><div><button type="button" class="Accordion-titleContainer p-0 bg-white hover:bg-white" aria-expanded="false"><h3 class="Accordion-title font-bold flex-none mr-2 my-0 text-base text-gray-900 hover:text-gray-900">See details</h3><span class="Accordion-icon Icon Icon--xs text-blue-600"><svg class="Icon-glyph" focusable="false" width="18px" height="18px" viewBox="-1 -2 8 8" version="1.1" aria-hidden="true"><g stroke="none" stroke-width="1" fill="" fill-rule="evenodd"><g transform="translate(-134.000000, -43.000000)" fill=""><polygon points="134.707107 43 134 43.6965437 137.353553 47 140.707107 43.6965437 140 43 137.358734 45.6018093"></polygon></g></g></svg></span></button></div></div><div class="Accordion-content p-0 mt-4 block pt-3 pb-0 md:pb-0 bg-white hidden" aria-hidden="false" data-toggle="content"><div class="bg-gray-100 py-4 px-5"><div class="flex items-center"><svg class="icon__glyph " xmlns="http://www.w3.org/2000/svg" width="32" height="32" viewBox="0 0 32 32" fill="none"><rect width="32" height="32" rx="4" fill="#0157FF"></rect><path fill-rule="evenodd" clip-rule="evenodd" d="M20.0705 16.0299C19.7404 15.7036 19.364 15.4236 18.9524 15.1982C19.0949 15.0614 19.2272 14.915 19.3482 14.7602C20.0268 13.8733 20.3526 12.7829 20.267 11.6857C20.196 10.5387 19.6941 9.45526 18.8542 8.63624C17.8763 7.72575 16.5555 7.23461 15.1936 7.27505H10.4727V24.7238H16.0372C17.4884 24.7756 18.898 24.2532 19.936 23.2787C20.9739 22.3042 21.549 20.9633 21.5266 19.5701C21.5446 18.2523 21.0215 16.9807 20.0705 16.0299ZM15.1936 9.3099C17.1091 9.3099 18.0539 10.5713 18.1405 11.8216C18.2068 13.1109 17.2481 14.2402 15.9188 14.4386H12.5934V9.3099H15.1936ZM12.5934 22.6889H16.0286H16.0372C18.3717 22.6889 19.4147 21.0727 19.4147 19.5701C19.4147 18.1341 18.4526 16.4707 15.731 16.4707H12.5934V22.6889Z" fill="white"></path></svg><span class="ml-2 font-bold uppercase text-sm heading-letter-spacing">Expert Take:</span></div><div class="text-gray-700 mt-2 wysiwyg"><p>Earnest lets you pick a payment that fits with your budget, meaning it will tinker with the length of your loan until you land on a monthly payment you can afford.</p></div></div><div class="mt-4 md:grid md:grid-cols-2 md:gap-6" id="seeDetailsContent_:R2kkm:"><div><div class="RateCard__seeDetails"><span class="font-bold text-gray-900">Known qualification requirements</span><div class="text-gray-700 wysiwyg"><ul><li>Be a U.S. citizen or permanent resident of an eligible state</li><li>Be at least the age of majority</li><li>Be graduated or currently enrolled less than half time and be in repayment on your student loans or be completing your degree at the end of the semester</li><li>Have consistent income</li><li>Have all student loan accounts in good standing</li><li>Be current on rent or mortgage payments </li><li>Have no bankruptcies on your credit report</li><li>Minimum credit score of 665</li></ul></div></div><div class="RateCard__seeDetails"><span class="font-bold text-gray-900">Fees</span><ul class="text-gray-700"><li>Florida stamp tax of 0.35%</li></ul></div></div><div><div class="text-crop-none text-gray-700 RateCard__pros"><h4 class="font-bold text-base pb-3 mb-4 border-b border-gray-400">Pros</h4><ul data-testid="pros-section"><li>No origination fees</li><li>Refinance as early as your final semester</li><li>Choose biweekly or monthly payments</li></ul></div><div class="text-crop-none text-gray-700 RateCard__cons"><h4 class="font-bold text-base pb-3 mb-4 border-b border-gray-400">Cons</h4><ul data-testid="cons-section"><li>Credit score of at least 665 required</li><li>Not available in Nevada</li><li>No co-signer option</li></ul><div class="mb-8 sm:mb-4"><a class="Link Link--standalone font-bold" href="https://www.bankrate.com/loans/student-loans/reviews/earnest/#what-customers-think" target="_blank" rel="noreferrer">See customer reviews<span class="Icon Icon--xs mb-2 ml-2"><svg viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em"><title>Arrow Right</title><path d="M20 12l-6.114 6-1.528-1.5 3.362-3.3H3v-2.4h12.72l-3.362-3.3L13.886 6 20 12z" class="arrow-right_svg__icon-base"></path></svg></span></a></div></div></div></div><div><button type="button" class="Accordion-titleContainer mt-2 p-0 bg-white hover:bg-white" aria-expanded="false"><span class="font-bold text-gray-900 mr-2">See disclosures</span><span class="Accordion-icon Icon Icon--xs text-blue-600"><svg class="Icon-glyph" focusable="false" width="18px" height="18px" viewBox="-1 -2 8 8" version="1.1" aria-hidden="true"><g stroke="none" stroke-width="1" fill="" fill-rule="evenodd"><g transform="translate(-134.000000, -43.000000)" fill=""><polygon points="134.707107 43 134 43.6965437 137.353553 47 140.707107 43.6965437 140 43 137.358734 45.6018093"></polygon></g></g></svg></span></button></div><div class="Accordion-content p-0 block bg-white hidden" aria-hidden="false" data-toggle="content"><div class="text-gray-700 text-xs wysiwyg mt-2" id="seeDisclosuresContent_seeDetailsContent_:R2kkm:"><p>Actual rate and available repayment terms will vary based on your income. Fixed rates range from 3.72% APR to 16.74% APR (excludes 0.25% Auto Pay discount). Variable rates range from 5.24% APR to 17.10% APR (excludes 0.25% Auto Pay discount). Earnest variable interest rate student loan origination 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 25th day, or the next business day, of the preceding calendar month, rounded to the nearest hundredth of a percent. The rate will not increase more than once per month. Although the rate will vary after you are approved, it will never exceed 36% (the maximum allowable for this loan). Please note, Earnest Private Student Loans are not available in Nevada. Our lowest rates are only available for our most credit qualified borrowers and contain our .25% auto pay discount from a checking or savings account. It is important to note that the 0.25% Auto Pay discount is not available while loan payments are deferred.</p><p><br></p></div></div></div></div></div></article></div></div></div><div class="mb-4"><div class="RateCard-layout grid grid-cols-12 w-full"><div class="RateCard-item"><article class="RateCard border border-gray-400 rounded text-base"><div class="flex items-center relative w-full bg-blue-900 awards-badge-height pl-6"><div class="absolute" style="top:0"><svg width="56" height="60" viewBox="0 0 56 60" fill="none" xmlns="http://www.w3.org/2000/svg"><path d="M1 35.033L1 35.0311L1 1.47855C1 1.2839 1.19376 1 1.59431 1L54.4057 1C54.8062 1 55 1.2839 55 1.47855L55 35.1237C54.9476 48.7528 43.0048 59 28 59C12.9948 59 1.05191 48.7523 1.00018 35.1226C1.00017 35.1223 1.00017 35.122 1.00017 35.1217L1 35.033Z" fill="url(#paint0_linear_3145_6713)" stroke="url(#paint1_linear_3145_6713)" stroke-width="2"></path><path d="M21.9208 40.4258C21.9404 40.4272 20.9557 41.6645 21.4978 43.0982C21.7947 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xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-gray-400 text-gray-400"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li></ul></div><div class="text-base font-bold mr-2 text-gray-900">4.8</div></div><div class="text-sm text-gray-900 text-center"><a class="Link Link--standalone" href="https://www.bankrate.com/loans/student-loans/reviews/sofi/" target="_blank" rel="noreferrer">Bankrate Review</a></div><div class="tooltip-wrapper inline-block ml-1 cursor-pointer mt-1 absolute"><div class="Tooltip" data-test="undefined"><button class="Tooltip-trigger Button Button--bare" type="button" aria-expanded="false"><span class="Icon Icon--xs fill-blue-600 text-blue-600"><svg viewBox="0 0 16 16" fill="currentColor" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" class="Icon-glyph"><path fill-rule="evenodd" clip-rule="evenodd" d="M8 16A8 8 0 108 0a8 8 0 000 16zm0-1A7 7 0 118 1a7 7 0 010 14zM7 5.012a1 1 0 112 0A.994.994 0 018 6c-.549 0-1-.451-1-.988zM7 12V7h2v5H7z" class="info_svg__icon-base"></path></svg></span><span class="sr-only">Hover to learn more about our Bankrate scores.</span></button><div class="Tooltip-content Tooltip-content--anchorLeft hidden" id="scoreTooltip_:R1ksm:" role="tooltip" aria-hidden="true"><div class="Tooltip-body font-medium"><div class="Tooltip-arrow"></div><p class="text-xs"><span class="font-bold">Bankrate Score = 4.8/5</span><br/>Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.</p></div></div></div></div></div></div><div class=" RateCard__headerDataContainer flex-2 "><div class="flex flex-col w-full md:grid md:grid-cols-3 md:justify-between md:gap-5"><div><div class=" flex justify-between w-full mb-2 border-t pt-2 border-gray-400 md:flex-col md:border-t-0 md:border-r md:mx-4 md:p-0 md:h-full md:justify-start"><span class="flex"><div class="text-gray-900 ml-0 text-sm md:text-base">Fixed APR from</div><div class="ml-1"><div class="Tooltip" data-test="undefined"><button class="Tooltip-trigger Button Button--bare" type="button" aria-expanded="false"><span class="Icon Icon--xs fill-blue-600 text-blue-600"><svg viewBox="0 0 16 16" fill="currentColor" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" class="Icon-glyph"><path fill-rule="evenodd" clip-rule="evenodd" d="M8 16A8 8 0 108 0a8 8 0 000 16zm0-1A7 7 0 118 1a7 7 0 010 14zM7 5.012a1 1 0 112 0A.994.994 0 018 6c-.549 0-1-.451-1-.988zM7 12V7h2v5H7z" class="info_svg__icon-base"></path></svg></span><span class="sr-only">Hover to learn more.</span></button><div class="Tooltip-content Tooltip-content--anchorLeft hidden" id="aprTooltip_:R1ksm:" role="tooltip" aria-hidden="true"><div class="Tooltip-body font-medium"><div class="Tooltip-arrow"></div><p class="text-xs">An annual percentage rate (APR) represents the interest and fees you'll pay on top of your initial amount every month. A fixed rate will not change during your repayment period.</p></div></div></div></div></span><div class="flex-col relative"><div class="font-bold text-gray-900 font-bold text-base md:text-3xl">4.49- 9.99<span class="Numeral-accent ">%</span></div></div></div></div><div class=" "><span class="text-gray-700 font-sans md:text-base"><div class="flex justify-between w-full mb-2 md:flex-col md:border-t-0 md:border-r border-gray-400 border-t pt-2 md:mx-4 md:p-0 md:h-full md:justify-start"><div class="text-gray-900 ml-0 text-sm md:text-base md:pl-2">Loan term</div><div class="font-bold text-gray-900 font-bold text-base md:text-3xl md:pl-2">5-20 yrs</div></div></span></div><div class="md:w-48"><div class="flex justify-between w-full mb-2 border-t pt-2 border-gray-400 md:flex-col md:border-t-0 md:mx-4 md:p-0 md:h-full md:justify-start border-b md:border-b-0 "><div class="flex"><div class="text-gray-900 ml-0 text-sm md:text-base md:pl-2 mb-4 md:mb-0">Loan amount</div><div class="ml-1"><div class="Tooltip" data-test="undefined"><button class="Tooltip-trigger Button Button--bare" type="button" aria-expanded="false"><span class="Icon Icon--xs fill-blue-600 text-blue-600"><svg viewBox="0 0 16 16" fill="currentColor" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" class="Icon-glyph"><path fill-rule="evenodd" clip-rule="evenodd" d="M8 16A8 8 0 108 0a8 8 0 000 16zm0-1A7 7 0 118 1a7 7 0 010 14zM7 5.012a1 1 0 112 0A.994.994 0 018 6c-.549 0-1-.451-1-.988zM7 12V7h2v5H7z" class="info_svg__icon-base"></path></svg></span><span class="sr-only">Hover to learn more.</span></button><div class="Tooltip-content Tooltip-content--anchorLeft hidden" id="aprTooltip_:R1ksm:" role="tooltip" aria-hidden="true"><div class="Tooltip-body font-medium"><div class="Tooltip-arrow"></div><p class="text-xs">The range of loan amounts that a lender will service. The maximum value is the largest amount a lender will give although this amount may not be available to borrowers who don’t have good or excellent credit. Amount ranges may vary for non-loan products. Term refers to the amount of time you have to repay the loan.</p></div></div></div></div></div><div class="font-bold text-gray-900 font-bold text-base md:text-3xl lowercase md:pl-2">$5,000-100% amount borrowed<span class="Numeral-accent"></span></div></div></div></div></div><div class="text-center sm:pt-8"><div></div><div><a href="" target="_blank" class="Button Button--primary RateTableButton Button Button--primary w-full md:w-60 mb-2" rel="noopener nofollow">See offers<svg viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" class="Button-icon Icon Icon--xs ml-2"><title>Arrow Right</title><path d="M20 12l-6.114 6-1.528-1.5 3.362-3.3H3v-2.4h12.72l-3.362-3.3L13.886 6 20 12z" class="arrow-right_svg__icon-base"></path></svg></a><p class="text-sm text-gray-700 mb-0">Apply on partner site</p></div></div></div><div class="pb-3 pt-2 sm:pb-0"><div class="flex justify-between"><div><div class="Tooltip" data-test="VerifiedLenderTooltip"><button class="Tooltip-trigger Button Button--bare" type="button" aria-expanded="false"><span class="Icon Icon--xs fill-blue-600 text-blue-600"><svg class="Icon-glyph" viewBox="0 0 16 16" fill="currentColor" focusable="false"><path fill-rule="evenodd" clip-rule="evenodd" d="M4.686 0 8 .785 11.313 0l1.789 2.898L16 4.686 15.215 8 16 11.314l-2.898 1.789L11.313 16l-3.229-.784L4.686 16l-1.789-2.897L0 11.314.784 8 0 4.686l2.897-1.788L4.686 0Zm5.731 2.165-1.98.467L8 2.736l-.437-.104-1.981-.467-1.069 1.731-.236.382-.382.236-1.732 1.068.469 1.981.103.437-.103.438-.469 1.981 1.732 1.068.382.236.236.382 1.073 1.738 2.071-.478.437-.1.438.106 1.89.459 1.064-1.725.236-.382.382-.236 1.732-1.068-.468-1.981L13.264 8l.104-.437.468-1.981-1.732-1.068-.382-.236-.236-.382-1.069-1.731ZM5.736 6.713l1.423 1.423 3.104-3.105 1.415 1.415-4.525 4.524-1.414-1.415.005-.005-1.422-1.423 1.414-1.414Z" class="icon-base" fill="currentColor"></path><title>Badge</title></svg></span><span class="sr-only">Hover to learn more about our Bankrate scores.</span><span class="text-sm border-b border-dotted border-blue-600 text-gray-700 ml-1 font-normal font-sans">Verified lender</span></button><div class="Tooltip-content Tooltip-content--anchorLeft hidden" id="scoreTooltip_:R2ksm:" role="tooltip" aria-hidden="true"><div class="Tooltip-body font-medium"><div class="Tooltip-arrow"></div><p class="text-xs">This lender is registered in states where it does business and was vetted by the Bankrate Editorial team.</p></div></div></div></div><div><button type="button" class="Accordion-titleContainer p-0 bg-white hover:bg-white" aria-expanded="false"><h3 class="Accordion-title font-bold flex-none mr-2 my-0 text-base text-gray-900 hover:text-gray-900">See details</h3><span class="Accordion-icon Icon Icon--xs text-blue-600"><svg class="Icon-glyph" focusable="false" width="18px" height="18px" viewBox="-1 -2 8 8" version="1.1" aria-hidden="true"><g stroke="none" stroke-width="1" fill="" fill-rule="evenodd"><g transform="translate(-134.000000, -43.000000)" fill=""><polygon points="134.707107 43 134 43.6965437 137.353553 47 140.707107 43.6965437 140 43 137.358734 45.6018093"></polygon></g></g></svg></span></button></div></div><div class="Accordion-content p-0 mt-4 block pt-3 pb-0 md:pb-0 bg-white hidden" aria-hidden="false" data-toggle="content"><div class="bg-gray-100 py-4 px-5"><div class="flex items-center"><svg class="icon__glyph " xmlns="http://www.w3.org/2000/svg" width="32" height="32" viewBox="0 0 32 32" fill="none"><rect width="32" height="32" rx="4" fill="#0157FF"></rect><path fill-rule="evenodd" clip-rule="evenodd" d="M20.0705 16.0299C19.7404 15.7036 19.364 15.4236 18.9524 15.1982C19.0949 15.0614 19.2272 14.915 19.3482 14.7602C20.0268 13.8733 20.3526 12.7829 20.267 11.6857C20.196 10.5387 19.6941 9.45526 18.8542 8.63624C17.8763 7.72575 16.5555 7.23461 15.1936 7.27505H10.4727V24.7238H16.0372C17.4884 24.7756 18.898 24.2532 19.936 23.2787C20.9739 22.3042 21.549 20.9633 21.5266 19.5701C21.5446 18.2523 21.0215 16.9807 20.0705 16.0299ZM15.1936 9.3099C17.1091 9.3099 18.0539 10.5713 18.1405 11.8216C18.2068 13.1109 17.2481 14.2402 15.9188 14.4386H12.5934V9.3099H15.1936ZM12.5934 22.6889H16.0286H16.0372C18.3717 22.6889 19.4147 21.0727 19.4147 19.5701C19.4147 18.1341 18.4526 16.4707 15.731 16.4707H12.5934V22.6889Z" fill="white"></path></svg><span class="ml-2 font-bold uppercase text-sm heading-letter-spacing">Expert Take:</span></div><div class="text-gray-700 mt-2 wysiwyg"><p>SoFi is a well-respected institution and stands out in the refinancing space for those with strong credit who are able to secure competitive minimum rates. </p></div></div><div class="mt-4 md:grid md:grid-cols-2 md:gap-6" id="seeDetailsContent_:R2ksm:"><div><div class="RateCard__seeDetails"><span class="font-bold text-gray-900">Known qualification requirements</span><div class="text-gray-700 wysiwyg"><ul><li>Be U.S. citizens, permanent residents or visa holders</li><li>Be at least the age of majority with sufficient income or an offer of employment</li><li>Must have graduated with at least an associate degree from a Title IV school </li><li>Bar loans and residency loans are not eligible</li></ul></div></div><div class="RateCard__seeDetails"><span class="font-bold text-gray-900">Fees</span><ul class="text-gray-700"><li>No fees</li></ul></div></div><div><div class="text-crop-none text-gray-700 RateCard__pros"><h4 class="font-bold text-base pb-3 mb-4 border-b border-gray-400">Pros</h4><ul data-testid="pros-section"><li>No fees</li><li>Member rewards</li><li>Customer support 7 days a week</li></ul></div><div class="text-crop-none text-gray-700 RateCard__cons"><h4 class="font-bold text-base pb-3 mb-4 border-b border-gray-400">Cons</h4><ul data-testid="cons-section"><li>Associate degree or higher required</li><li>Vague credit requirements</li><li>SoFi doesn't service refi loans</li></ul><div class="mb-8 sm:mb-4"><a class="Link Link--standalone font-bold" href="https://www.bankrate.com/loans/student-loans/reviews/sofi/#what-customers-think" target="_blank" rel="noreferrer">See customer reviews<span class="Icon Icon--xs mb-2 ml-2"><svg viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em"><title>Arrow Right</title><path d="M20 12l-6.114 6-1.528-1.5 3.362-3.3H3v-2.4h12.72l-3.362-3.3L13.886 6 20 12z" class="arrow-right_svg__icon-base"></path></svg></span></a></div></div></div></div><div><button type="button" class="Accordion-titleContainer mt-2 p-0 bg-white hover:bg-white" aria-expanded="false"><span class="font-bold text-gray-900 mr-2">See disclosures</span><span class="Accordion-icon Icon Icon--xs text-blue-600"><svg class="Icon-glyph" focusable="false" width="18px" height="18px" viewBox="-1 -2 8 8" version="1.1" aria-hidden="true"><g stroke="none" stroke-width="1" fill="" fill-rule="evenodd"><g transform="translate(-134.000000, -43.000000)" fill=""><polygon points="134.707107 43 134 43.6965437 137.353553 47 140.707107 43.6965437 140 43 137.358734 45.6018093"></polygon></g></g></svg></span></button></div><div class="Accordion-content p-0 block bg-white hidden" aria-hidden="false" data-toggle="content"><div class="text-gray-700 text-xs wysiwyg mt-2" id="seeDisclosuresContent_seeDetailsContent_:R2ksm:"><p><span style="background-color: transparent; color: rgb(0, 0, 0);">* Interest Rates: Eligibility and Important Details. Fixed rates range from 3.54% APR to 15.99% APR with 0.25% autopay discount. Variable rates range from 4.64%APR to 15.99% APR with a 0.25% autopay discount. Unless required to be lower to comply with applicable law, Variable Interest rates are capped at 17.95%. SoFi rate ranges are current as of 1/7/2025and are subject to change at any time. Your actual rate will be within the range of rates listed above and will depend on the term and type of repayment option you select, evaluation of your creditworthiness, income, presence of a co-signer (if applicable) and a variety of other factors. Lowest rates reserved for the most creditworthy borrowers. Check out our eligibility criteria at https://www.sofi.com/eligibility-criteria/. For the SoFi variable-rate product, the variable interest rate for a given month is derived by adding a margin to the 30-day average SOFR index, published two business days preceding such calendar month, rounded up to the nearest one hundredth of one percent (0.01% or 0.0001). APRs for variable-rate loans may increase after origination if the SOFR index increases. The SoFi 0.25% autopay interest rate reduction requires you to agree to make monthly principal and interest payments by an automatic monthly deduction from a savings or checking account. This benefit will discontinue and be lost for periods in which you do not pay by automatic deduction from a savings or checking account. The benefit lowers your interest rate but does not change the amount of your monthly payment. This benefit is suspended during periods of deferment and forbearance. Autopay is not required to receive a loan from SoFi. SoFi Private Student loans are originated by SoFi Bank, N.A. Member FDIC. NMLS #696891 (www.nmlsconsumeraccess.org).</span></p></div></div></div></div></div></article></div></div></div><div class="mb-4"><div class="RateCard-layout grid grid-cols-12 w-full"><div class="RateCard-item"><article class="RateCard border border-gray-400 rounded text-base"><div class="flex flex-col md:flex-row md:items-center text-center"><div class="card-flag px-4 self-stretch bg-blue-700"><p class="type-heading-five uppercase m-0 py-3 text-white">STUDENT LOAN</p></div><div class="card-flag bg-blue-100 px-4"><h2 class="type-heading-six uppercase text-blue-900 m-0 py-2">ELFI: Best for good credit</h2></div></div><div class="px-4 sm:py-3"><div class="flex flex-col md:justify-between md:flex-row gap-4 md:items-center RateCard__topContainerv2"><div class="RateCard__firstColumn flex items-center md:items-start justify-between md:flex-col md:justify-start mt-4 md:mt-0 mr-3 md:mr-0"><div class="RateCard__LenderLogo pb-1"><img src="https://www.bankrate.com/static/loans/logos/ELFI Logo_10.4.2024.png?optimize=medium&format=pjpg&auto=webp" alt="Education Loan Finance" loading="lazy" height="60" style="max-width:100%;max-height:max-content;height:auto"/></div><div class="flex flex-col relative"><div class="flex items-center justify-center"><div class="RatingStars mr-1" role="marquee" aria-label="4.4 star rating"><div class="RatingStars-iconMask" style="width:88.00000000000001%"><ul class="RatingStars-iconContainer"><li class="RatingStars-icon Icon Icon--xs fill-blue-600 text-blue-600"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-blue-600 text-blue-600"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-blue-600 text-blue-600"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-blue-600 text-blue-600"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-blue-600 text-blue-600"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li></ul></div><ul class="RatingStars-iconContainer mb-1"><li class="RatingStars-icon Icon Icon--xs fill-gray-400 text-gray-400"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-gray-400 text-gray-400"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-gray-400 text-gray-400"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-gray-400 text-gray-400"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-gray-400 text-gray-400"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li></ul></div><div class="text-base font-bold mr-2 text-gray-900">4.4</div></div><div class="text-sm text-gray-900 text-center"><a class="Link Link--standalone" href="https://www.bankrate.com/loans/student-loans/reviews/education-loan-finance/" target="_blank" rel="noreferrer">Bankrate Review</a></div><div class="tooltip-wrapper inline-block ml-1 cursor-pointer mt-1 absolute"><div class="Tooltip" data-test="undefined"><button class="Tooltip-trigger Button Button--bare" type="button" aria-expanded="false"><span class="Icon Icon--xs fill-blue-600 text-blue-600"><svg viewBox="0 0 16 16" fill="currentColor" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" class="Icon-glyph"><path fill-rule="evenodd" clip-rule="evenodd" d="M8 16A8 8 0 108 0a8 8 0 000 16zm0-1A7 7 0 118 1a7 7 0 010 14zM7 5.012a1 1 0 112 0A.994.994 0 018 6c-.549 0-1-.451-1-.988zM7 12V7h2v5H7z" class="info_svg__icon-base"></path></svg></span><span class="sr-only">Hover to learn more about our Bankrate scores.</span></button><div class="Tooltip-content Tooltip-content--anchorLeft hidden" id="scoreTooltip_:R1l4m:" role="tooltip" aria-hidden="true"><div class="Tooltip-body font-medium"><div class="Tooltip-arrow"></div><p class="text-xs"><span class="font-bold">Bankrate Score = 4.4/5</span><br/>Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.</p></div></div></div></div></div></div><div class=" RateCard__headerDataContainer flex-2 "><div class="flex flex-col w-full md:grid md:grid-cols-3 md:justify-between md:gap-5"><div><div class=" flex justify-between w-full mb-2 border-t pt-2 border-gray-400 md:flex-col md:border-t-0 md:border-r md:mx-4 md:p-0 md:h-full md:justify-start"><span class="flex"><div class="text-gray-900 ml-0 text-sm md:text-base">Fixed APR from</div><div class="ml-1"><div class="Tooltip" data-test="undefined"><button class="Tooltip-trigger Button Button--bare" type="button" aria-expanded="false"><span class="Icon Icon--xs fill-blue-600 text-blue-600"><svg viewBox="0 0 16 16" fill="currentColor" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" class="Icon-glyph"><path fill-rule="evenodd" clip-rule="evenodd" d="M8 16A8 8 0 108 0a8 8 0 000 16zm0-1A7 7 0 118 1a7 7 0 010 14zM7 5.012a1 1 0 112 0A.994.994 0 018 6c-.549 0-1-.451-1-.988zM7 12V7h2v5H7z" class="info_svg__icon-base"></path></svg></span><span class="sr-only">Hover to learn more.</span></button><div class="Tooltip-content Tooltip-content--anchorLeft hidden" id="aprTooltip_:R1l4m:" role="tooltip" aria-hidden="true"><div class="Tooltip-body font-medium"><div class="Tooltip-arrow"></div><p class="text-xs">An annual percentage rate (APR) represents the interest and fees you'll pay on top of your initial amount every month. A fixed rate will not change during your repayment period.</p></div></div></div></div></span><div class="flex-col relative"><div class="font-bold text-gray-900 font-bold text-base md:text-3xl">4.88- 8.44<span class="Numeral-accent ">%</span></div></div></div></div><div class=" "><span class="text-gray-700 font-sans md:text-base"><div class="flex justify-between w-full mb-2 md:flex-col md:border-t-0 md:border-r border-gray-400 border-t pt-2 md:mx-4 md:p-0 md:h-full md:justify-start"><div class="text-gray-900 ml-0 text-sm md:text-base md:pl-2">Loan term</div><div class="font-bold text-gray-900 font-bold text-base md:text-3xl md:pl-2">5-20 yrs</div></div></span></div><div class="md:w-48"><div class="flex justify-between w-full mb-2 border-t pt-2 border-gray-400 md:flex-col md:border-t-0 md:mx-4 md:p-0 md:h-full md:justify-start border-b md:border-b-0 "><div class="flex"><div class="text-gray-900 ml-0 text-sm md:text-base md:pl-2 mb-4 md:mb-0">Loan amount</div><div class="ml-1"><div class="Tooltip" data-test="undefined"><button class="Tooltip-trigger Button Button--bare" type="button" aria-expanded="false"><span class="Icon Icon--xs fill-blue-600 text-blue-600"><svg viewBox="0 0 16 16" fill="currentColor" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" class="Icon-glyph"><path fill-rule="evenodd" clip-rule="evenodd" d="M8 16A8 8 0 108 0a8 8 0 000 16zm0-1A7 7 0 118 1a7 7 0 010 14zM7 5.012a1 1 0 112 0A.994.994 0 018 6c-.549 0-1-.451-1-.988zM7 12V7h2v5H7z" class="info_svg__icon-base"></path></svg></span><span class="sr-only">Hover to learn more.</span></button><div class="Tooltip-content Tooltip-content--anchorLeft hidden" id="aprTooltip_:R1l4m:" role="tooltip" aria-hidden="true"><div class="Tooltip-body font-medium"><div class="Tooltip-arrow"></div><p class="text-xs">The range of loan amounts that a lender will service. The maximum value is the largest amount a lender will give although this amount may not be available to borrowers who don’t have good or excellent credit. Amount ranges may vary for non-loan products. Term refers to the amount of time you have to repay the loan.</p></div></div></div></div></div><div class="font-bold text-gray-900 font-bold text-base md:text-3xl lowercase md:pl-2">Starting at $10,000<span class="Numeral-accent"></span></div></div></div></div></div><div class="text-center sm:pt-8"><div></div><div><a href="" target="_blank" class="Button Button--primary RateTableButton Button Button--primary w-full md:w-60 mb-2" rel="noopener nofollow">See offers<svg viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" class="Button-icon Icon Icon--xs ml-2"><title>Arrow Right</title><path d="M20 12l-6.114 6-1.528-1.5 3.362-3.3H3v-2.4h12.72l-3.362-3.3L13.886 6 20 12z" class="arrow-right_svg__icon-base"></path></svg></a><p class="text-sm text-gray-700 mb-0">Check rate with Credible</p></div></div></div><div class="pb-3 pt-2 sm:pb-0"><div class="flex justify-between"><div><div class="Tooltip" data-test="VerifiedLenderTooltip"><button class="Tooltip-trigger Button Button--bare" type="button" aria-expanded="false"><span class="Icon Icon--xs fill-blue-600 text-blue-600"><svg class="Icon-glyph" viewBox="0 0 16 16" fill="currentColor" focusable="false"><path fill-rule="evenodd" clip-rule="evenodd" d="M4.686 0 8 .785 11.313 0l1.789 2.898L16 4.686 15.215 8 16 11.314l-2.898 1.789L11.313 16l-3.229-.784L4.686 16l-1.789-2.897L0 11.314.784 8 0 4.686l2.897-1.788L4.686 0Zm5.731 2.165-1.98.467L8 2.736l-.437-.104-1.981-.467-1.069 1.731-.236.382-.382.236-1.732 1.068.469 1.981.103.437-.103.438-.469 1.981 1.732 1.068.382.236.236.382 1.073 1.738 2.071-.478.437-.1.438.106 1.89.459 1.064-1.725.236-.382.382-.236 1.732-1.068-.468-1.981L13.264 8l.104-.437.468-1.981-1.732-1.068-.382-.236-.236-.382-1.069-1.731ZM5.736 6.713l1.423 1.423 3.104-3.105 1.415 1.415-4.525 4.524-1.414-1.415.005-.005-1.422-1.423 1.414-1.414Z" class="icon-base" fill="currentColor"></path><title>Badge</title></svg></span><span class="sr-only">Hover to learn more about our Bankrate scores.</span><span class="text-sm border-b border-dotted border-blue-600 text-gray-700 ml-1 font-normal font-sans">Verified lender</span></button><div class="Tooltip-content Tooltip-content--anchorLeft hidden" id="scoreTooltip_:R2l4m:" role="tooltip" aria-hidden="true"><div class="Tooltip-body font-medium"><div class="Tooltip-arrow"></div><p class="text-xs">This lender is registered in states where it does business and was vetted by the Bankrate Editorial team.</p></div></div></div></div><div><button type="button" class="Accordion-titleContainer p-0 bg-white hover:bg-white" aria-expanded="false"><h3 class="Accordion-title font-bold flex-none mr-2 my-0 text-base text-gray-900 hover:text-gray-900">See details</h3><span class="Accordion-icon Icon Icon--xs text-blue-600"><svg class="Icon-glyph" focusable="false" width="18px" height="18px" viewBox="-1 -2 8 8" version="1.1" aria-hidden="true"><g stroke="none" stroke-width="1" fill="" fill-rule="evenodd"><g transform="translate(-134.000000, -43.000000)" fill=""><polygon points="134.707107 43 134 43.6965437 137.353553 47 140.707107 43.6965437 140 43 137.358734 45.6018093"></polygon></g></g></svg></span></button></div></div><div class="Accordion-content p-0 mt-4 block pt-3 pb-0 md:pb-0 bg-white hidden" aria-hidden="false" data-toggle="content"><div class="bg-gray-100 py-4 px-5"><div class="flex items-center"><svg class="icon__glyph " xmlns="http://www.w3.org/2000/svg" width="32" height="32" viewBox="0 0 32 32" fill="none"><rect width="32" height="32" rx="4" fill="#0157FF"></rect><path fill-rule="evenodd" clip-rule="evenodd" d="M20.0705 16.0299C19.7404 15.7036 19.364 15.4236 18.9524 15.1982C19.0949 15.0614 19.2272 14.915 19.3482 14.7602C20.0268 13.8733 20.3526 12.7829 20.267 11.6857C20.196 10.5387 19.6941 9.45526 18.8542 8.63624C17.8763 7.72575 16.5555 7.23461 15.1936 7.27505H10.4727V24.7238H16.0372C17.4884 24.7756 18.898 24.2532 19.936 23.2787C20.9739 22.3042 21.549 20.9633 21.5266 19.5701C21.5446 18.2523 21.0215 16.9807 20.0705 16.0299ZM15.1936 9.3099C17.1091 9.3099 18.0539 10.5713 18.1405 11.8216C18.2068 13.1109 17.2481 14.2402 15.9188 14.4386H12.5934V9.3099H15.1936ZM12.5934 22.6889H16.0286H16.0372C18.3717 22.6889 19.4147 21.0727 19.4147 19.5701C19.4147 18.1341 18.4526 16.4707 15.731 16.4707H12.5934V22.6889Z" fill="white"></path></svg><span class="ml-2 font-bold uppercase text-sm heading-letter-spacing">Expert Take:</span></div><div class="text-gray-700 mt-2 wysiwyg"><p>Refinancing with ELFI is best for borrowers looking to refinance a large loan amount. Its applications also come with the assistance of a loan advisor, which make it a good choice for those who want a tailored experience.</p></div></div><div class="mt-4 md:grid md:grid-cols-2 md:gap-6" id="seeDetailsContent_:R2l4m:"><div><div class="RateCard__seeDetails"><span class="font-bold text-gray-900">Known qualification requirements</span><div class="text-gray-700 wysiwyg"><ul><li>Be a U.S. citizen or permanent resident</li><li>Be the age of majority at the time of application</li><li>Earned a bachelor’s degree or higher from a Title IV, U.S. domiciled nonprofit postsecondary institution at the time of application</li><li>Have a credit score of at least 680, at least 36 months of credit history and a minimum income of $35,000</li></ul></div></div><div class="RateCard__seeDetails"><span class="font-bold text-gray-900">Fees</span><ul class="text-gray-700"><li>Late payment fee</li><li>Returned payment fee</li></ul></div></div><div><div class="text-crop-none text-gray-700 RateCard__pros"><h4 class="font-bold text-base pb-3 mb-4 border-b border-gray-400">Pros</h4><ul data-testid="pros-section"><li>Minimal fees</li><li>Personalized customer support</li><li>No co-signer required for qualified borrowers</li></ul></div><div class="text-crop-none text-gray-700 RateCard__cons"><h4 class="font-bold text-base pb-3 mb-4 border-b border-gray-400">Cons</h4><ul data-testid="cons-section"><li>Only available for certain schools</li><li>Co-signer release not allowed </li><li>Strict acceptance requirements</li></ul></div></div></div><div><button type="button" class="Accordion-titleContainer mt-2 p-0 bg-white hover:bg-white" aria-expanded="false"><span class="font-bold text-gray-900 mr-2">See disclosures</span><span class="Accordion-icon Icon Icon--xs text-blue-600"><svg class="Icon-glyph" focusable="false" width="18px" height="18px" viewBox="-1 -2 8 8" version="1.1" aria-hidden="true"><g stroke="none" stroke-width="1" fill="" fill-rule="evenodd"><g transform="translate(-134.000000, -43.000000)" fill=""><polygon points="134.707107 43 134 43.6965437 137.353553 47 140.707107 43.6965437 140 43 137.358734 45.6018093"></polygon></g></g></svg></span></button></div><div class="Accordion-content p-0 block bg-white hidden" aria-hidden="false" data-toggle="content"><div class="text-gray-700 text-xs wysiwyg mt-2" id="seeDisclosuresContent_seeDetailsContent_:R2l4m:"><p>ELFI Program from SouthEast Bank – Loan Interest Rates & Fees</p><p>Your Starting Interest Rate (upon approval)</p><p>The interest rate you pay will be determined after you apply. It will be based upon your credit history, the loan term you select, and other factors. If approved, we will notify you of the rate you qualify for.</p><p>Your Interest Rate during the life of a loan: Fixed-Rate Loans</p><p>Your rate is fixed and will depend on the loan term that you select. This means that your interest rate will never change during the life of your loan.</p><p>Your Interest Rate during the life of the loan: Variable-Rate Loans*</p><p>Your rate is variable. This means that your rate could move lower or higher than the rates on your disclosure. Although the interest rate will vary after you are approved, the interest rate will never exceed 18% for the 5-year, 7-year, 10-year, or 15-year term. Your loan amount will not exceed the cost of attendance less financial aid as certified by your school. For variable rate loans applied for after 7:00 PM EST on January 7, 2022, the variable interest rate will be based on a publicly available index, the Prime Rate of Interest as published in the Money Market Section of the Wall Street Journal. These variable rates will be calculated and set each month by adding a margin between -2.50% to 5.72% to the Prime Rate. If you have an existing variable rate loan that uses the London Interbank Offered Rate (LIBOR) as the benchmark rate index, your loan will continue to use the LIBOR as the benchmark rate index. These rates will be calculated by adding a margin between 1.05% to 11.39% to the 3-month LIBOR. Your rate will not increase more than once quarterly. ELFI will notify borrowers with existing variable rate loans originated prior to 7:00 PM EST on January 7, 2022, of the expected change from LIBOR to the Prime Rate in the future.</p><ul><li>Loan Fees & Example</li><li>Application Fee: $0</li><li>Origination Fee: 0%</li><li>Loan Guarantee Fee: 0%</li><li>Prepayment Fee: 0%</li><li>Late Charge: the lesser of 5% of the past due amount or $50</li><li>Returned Check or Insufficient Funds Charge: $30 For example, a 10-year loan with a fixed rate of 7% would have 120 payments of $11.61 per $1,000 borrowed. Rates are subject to change.</li></ul><p><br></p><p>Federal Loan Alternatives and Disclosure Regarding Benefits</p><p>You may qualify for federal education loans. For additional information, contact your school’s financial aid office or the Department of Education at: www.studentloans.gov & studentaid.ed.gov/sa</p><p><br></p><p>Think carefully before taking out a loan with ELFI. You are encouraged to start with grants, scholarships, savings, and federal student loans before utilizing private student loans. Federal student loans offer deferment and forbearance options that may not be available to you if you take out a loan with ELFI.</p><p><br></p><p>Private education loans are not eligible to be included in a Federal Direct Consolidation Loan.</p><p><br></p><p>See https://studentaid.gov/understand-aid/types/loans/federal-vs-private for a description of the benefits and repayment options available to federal student loan borrowers.</p><p><br></p><p>Next Steps</p><p>1. Find out about other options. The Federal Direct Consolidation Loan may have student loan benefits and terms not detailed on this form. Visit the Department of Education’s website at www.StudentLoans.gov for more information about other consolidation loans. 2. To apply for this loan, complete the application. If you are approved for this loan, the loan terms will be available for 30 days (terms will not change during this period, except as permitted by law).</p><p>Reference Notes</p><p>Interest Rate: Your interest rate will depend on the loan term that you select. Interest rates are valid within the preceding 30 days.</p><p><br></p><p>Repayment Options</p><p>Immediate: The borrower starts repaying the loan while still in school. The monthly payment will cover the monthly interest and some of the principal borrowed. This option will have the highest monthly payments while in school, but will save the borrower the most money throughout the life of the loan.</p><p><br></p><p>Fixed: The borrower pays a fixed monthly payment of $25.00 while in school and grace period. This amount will first be applied to interest, and any leftover will be applied to the principal. Any unpaid interest will be added to the principal balance of the loan upon the end of the borrowers grace period.</p><p><br></p><p>Interest Only: The borrower makes monthly payments to cover the monthly interest while the borrower is in school and grace period. These payments will not include any payment toward the principal of the loan. The principal balance will remain unchanged unless the borrower pays extra.</p><p><br></p><p>Deferred: The borrower makes no monthly payments while in school and grace period. The loan will accrue interest while the borrower is in school and grace period. Upon the end of the grace period, the accrued interest will be added to the principal amount of the loan. Depending on the repayment option you select, your loan may defer payment of principal and/or interest while you are enrolled at least half-time at a post-secondary educational institution. If your loan includes a deferment period, interest will accrue from the disbursement of the loan through the end of the deferment period. Any accrued but unpaid interest during that time will be added to the loan’s principal balance. The lender does not offer payment deferral options once your full payments of principal and interest begin. The lender may in its sole discretion agree to modify the loan or extend other repayment assistance to you on request.</p><p><br></p><p>Electronic Payment Requirement</p><p>You agree to make monthly principal and interest payments by means of an electronic monthly deduction or transfer from a savings or checking account.</p><p>Borrower Eligibility Criteria</p><ul><li>All loans are subject to credit approval.</li><li>Must be a U.S. citizen or permanent resident alien without conditions and with proper evidence of eligibility.</li><li>Must be at the age of majority or older at the time of loan application.</li><li>Must reside in a state in which ELFI is authorized to lend.</li><li>A cosigner is not required but may help you qualify and/or receive a lower rate.</li><li>Must be an eligible student enrolled at least half-time at a post-secondary educational institution.</li></ul><p><br></p><p>Co-Signers: Must be at the age of majority or older at the time of loan application.</p><p>Bankruptcy Limitations</p><p><br></p><p>If you file for bankruptcy you may still be required to pay back this loan.</p><p>SOUTHEAST BANK RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS AND BENEFITS AT ANY TIME WITHOUT NOTICE.</p><p>This website and all content is the exclusive property of SouthEast Bank and may not be reproduced without permission. All information contained on this website is subject to change without notice. SouthEast Bank is not responsible for typographical errors. More information about loan eligibility and repayment deferral or forbearance options is available in your loan application and loan agreement.</p></div></div></div></div></div></article></div></div></div><div class="mb-4"><div class="RateCard-layout grid grid-cols-12 w-full"><div class="RateCard-item"><article class="RateCard border border-gray-400 rounded text-base"><div class="flex items-center relative w-full bg-blue-900 awards-badge-height pl-6"><div class="absolute" style="top:0"><svg width="56" height="60" viewBox="0 0 56 60" fill="none" xmlns="http://www.w3.org/2000/svg"><path d="M1 35.033L1 35.0311L1 1.47855C1 1.2839 1.19376 1 1.59431 1L54.4057 1C54.8062 1 55 1.2839 55 1.47855L55 35.1237C54.9476 48.7528 43.0048 59 28 59C12.9948 59 1.05191 48.7523 1.00018 35.1226C1.00017 35.1223 1.00017 35.122 1.00017 35.1217L1 35.033Z" fill="url(#paint0_linear_3145_6713)" stroke="url(#paint1_linear_3145_6713)" stroke-width="2"></path><path d="M21.9208 40.4258C21.9404 40.4272 20.9557 41.6645 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5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-gray-400 text-gray-400"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-gray-400 text-gray-400"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li></ul></div><div class="text-base font-bold mr-2 text-gray-900">4.6</div></div><div class="text-sm text-gray-900 text-center"><a class="Link Link--standalone" href="https://www.bankrate.com/loans/student-loans/reviews/laurel-road/" target="_blank" rel="noreferrer">Bankrate Review</a></div><div class="tooltip-wrapper inline-block ml-1 cursor-pointer mt-1 absolute"><div class="Tooltip" data-test="undefined"><button class="Tooltip-trigger Button Button--bare" type="button" aria-expanded="false"><span class="Icon Icon--xs fill-blue-600 text-blue-600"><svg viewBox="0 0 16 16" fill="currentColor" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" class="Icon-glyph"><path fill-rule="evenodd" clip-rule="evenodd" d="M8 16A8 8 0 108 0a8 8 0 000 16zm0-1A7 7 0 118 1a7 7 0 010 14zM7 5.012a1 1 0 112 0A.994.994 0 018 6c-.549 0-1-.451-1-.988zM7 12V7h2v5H7z" class="info_svg__icon-base"></path></svg></span><span class="sr-only">Hover to learn more about our Bankrate scores.</span></button><div class="Tooltip-content Tooltip-content--anchorLeft hidden" id="scoreTooltip_:R1lcm:" role="tooltip" aria-hidden="true"><div class="Tooltip-body font-medium"><div class="Tooltip-arrow"></div><p class="text-xs"><span class="font-bold">Bankrate Score = 4.6/5</span><br/>Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.</p></div></div></div></div></div></div><div class=" RateCard__headerDataContainer flex-2 "><div class="flex flex-col w-full md:grid md:grid-cols-3 md:justify-between md:gap-5"><div><div class=" flex justify-between w-full mb-2 border-t pt-2 border-gray-400 md:flex-col md:border-t-0 md:border-r md:mx-4 md:p-0 md:h-full md:justify-start"><span class="flex"><div class="text-gray-900 ml-0 text-sm md:text-base">Fixed APR from</div><div class="ml-1"><div class="Tooltip" data-test="undefined"><button class="Tooltip-trigger Button Button--bare" type="button" aria-expanded="false"><span class="Icon Icon--xs fill-blue-600 text-blue-600"><svg viewBox="0 0 16 16" fill="currentColor" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" class="Icon-glyph"><path fill-rule="evenodd" clip-rule="evenodd" d="M8 16A8 8 0 108 0a8 8 0 000 16zm0-1A7 7 0 118 1a7 7 0 010 14zM7 5.012a1 1 0 112 0A.994.994 0 018 6c-.549 0-1-.451-1-.988zM7 12V7h2v5H7z" class="info_svg__icon-base"></path></svg></span><span class="sr-only">Hover to learn more.</span></button><div class="Tooltip-content Tooltip-content--anchorLeft hidden" id="aprTooltip_:R1lcm:" role="tooltip" aria-hidden="true"><div class="Tooltip-body font-medium"><div class="Tooltip-arrow"></div><p class="text-xs">An annual percentage rate (APR) represents the interest and fees you'll pay on top of your initial amount every month. A fixed rate will not change during your repayment period.</p></div></div></div></div></span><div class="flex-col relative"><div class="font-bold text-gray-900 font-bold text-base md:text-3xl">4.99- 8.90<span class="Numeral-accent ">%</span></div></div></div></div><div class=" "><span class="text-gray-700 font-sans md:text-base"><div class="flex justify-between w-full mb-2 md:flex-col md:border-t-0 md:border-r border-gray-400 border-t pt-2 md:mx-4 md:p-0 md:h-full md:justify-start"><div class="text-gray-900 ml-0 text-sm md:text-base md:pl-2">Loan term</div><div class="font-bold text-gray-900 font-bold text-base md:text-3xl md:pl-2">5-20 yrs</div></div></span></div><div class="md:w-48"><div class="flex justify-between w-full mb-2 border-t pt-2 border-gray-400 md:flex-col md:border-t-0 md:mx-4 md:p-0 md:h-full md:justify-start border-b md:border-b-0 "><div class="flex"><div class="text-gray-900 ml-0 text-sm md:text-base md:pl-2 mb-4 md:mb-0">Loan amount</div><div class="ml-1"><div class="Tooltip" data-test="undefined"><button class="Tooltip-trigger Button Button--bare" type="button" aria-expanded="false"><span class="Icon Icon--xs fill-blue-600 text-blue-600"><svg viewBox="0 0 16 16" fill="currentColor" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" class="Icon-glyph"><path fill-rule="evenodd" clip-rule="evenodd" d="M8 16A8 8 0 108 0a8 8 0 000 16zm0-1A7 7 0 118 1a7 7 0 010 14zM7 5.012a1 1 0 112 0A.994.994 0 018 6c-.549 0-1-.451-1-.988zM7 12V7h2v5H7z" class="info_svg__icon-base"></path></svg></span><span class="sr-only">Hover to learn more.</span></button><div class="Tooltip-content Tooltip-content--anchorLeft hidden" id="aprTooltip_:R1lcm:" role="tooltip" aria-hidden="true"><div class="Tooltip-body font-medium"><div class="Tooltip-arrow"></div><p class="text-xs">The range of loan amounts that a lender will service. The maximum value is the largest amount a lender will give although this amount may not be available to borrowers who don’t have good or excellent credit. Amount ranges may vary for non-loan products. Term refers to the amount of time you have to repay the loan.</p></div></div></div></div></div><div class="font-bold text-gray-900 font-bold text-base md:text-3xl lowercase md:pl-2">$5,000-100% amount borrowed<span class="Numeral-accent"></span></div></div></div></div></div><div class="text-center sm:pt-8"><div></div><div><a href="" target="_blank" class="Button Button--primary RateTableButton Button Button--primary w-full md:w-60 mb-2" rel="noopener nofollow">Read our review<svg viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" class="Button-icon Icon Icon--xs ml-2"><title>Arrow Right</title><path d="M20 12l-6.114 6-1.528-1.5 3.362-3.3H3v-2.4h12.72l-3.362-3.3L13.886 6 20 12z" class="arrow-right_svg__icon-base"></path></svg></a><p class="text-sm text-gray-700 mb-0">on Bankrate</p></div></div></div><div class="pb-3 pt-2 sm:pb-0"><div class="flex justify-between"><div><div class="Tooltip" data-test="VerifiedLenderTooltip"><button class="Tooltip-trigger Button Button--bare" type="button" aria-expanded="false"><span class="Icon Icon--xs fill-blue-600 text-blue-600"><svg class="Icon-glyph" viewBox="0 0 16 16" fill="currentColor" focusable="false"><path fill-rule="evenodd" clip-rule="evenodd" d="M4.686 0 8 .785 11.313 0l1.789 2.898L16 4.686 15.215 8 16 11.314l-2.898 1.789L11.313 16l-3.229-.784L4.686 16l-1.789-2.897L0 11.314.784 8 0 4.686l2.897-1.788L4.686 0Zm5.731 2.165-1.98.467L8 2.736l-.437-.104-1.981-.467-1.069 1.731-.236.382-.382.236-1.732 1.068.469 1.981.103.437-.103.438-.469 1.981 1.732 1.068.382.236.236.382 1.073 1.738 2.071-.478.437-.1.438.106 1.89.459 1.064-1.725.236-.382.382-.236 1.732-1.068-.468-1.981L13.264 8l.104-.437.468-1.981-1.732-1.068-.382-.236-.236-.382-1.069-1.731ZM5.736 6.713l1.423 1.423 3.104-3.105 1.415 1.415-4.525 4.524-1.414-1.415.005-.005-1.422-1.423 1.414-1.414Z" class="icon-base" fill="currentColor"></path><title>Badge</title></svg></span><span class="sr-only">Hover to learn more about our Bankrate scores.</span><span class="text-sm border-b border-dotted border-blue-600 text-gray-700 ml-1 font-normal font-sans">Verified lender</span></button><div class="Tooltip-content Tooltip-content--anchorLeft hidden" id="scoreTooltip_:R2lcm:" role="tooltip" aria-hidden="true"><div class="Tooltip-body font-medium"><div class="Tooltip-arrow"></div><p class="text-xs">This lender is registered in states where it does business and was vetted by the Bankrate Editorial team.</p></div></div></div></div><div><button type="button" class="Accordion-titleContainer p-0 bg-white hover:bg-white" aria-expanded="false"><h3 class="Accordion-title font-bold flex-none mr-2 my-0 text-base text-gray-900 hover:text-gray-900">See details</h3><span class="Accordion-icon Icon Icon--xs text-blue-600"><svg class="Icon-glyph" focusable="false" width="18px" height="18px" viewBox="-1 -2 8 8" version="1.1" aria-hidden="true"><g stroke="none" stroke-width="1" fill="" fill-rule="evenodd"><g transform="translate(-134.000000, -43.000000)" fill=""><polygon points="134.707107 43 134 43.6965437 137.353553 47 140.707107 43.6965437 140 43 137.358734 45.6018093"></polygon></g></g></svg></span></button></div></div><div class="Accordion-content p-0 mt-4 block pt-3 pb-0 md:pb-0 bg-white hidden" aria-hidden="false" data-toggle="content"><div class="bg-gray-100 py-4 px-5"><div class="flex items-center"><svg class="icon__glyph " xmlns="http://www.w3.org/2000/svg" width="32" height="32" viewBox="0 0 32 32" fill="none"><rect width="32" height="32" rx="4" fill="#0157FF"></rect><path fill-rule="evenodd" clip-rule="evenodd" d="M20.0705 16.0299C19.7404 15.7036 19.364 15.4236 18.9524 15.1982C19.0949 15.0614 19.2272 14.915 19.3482 14.7602C20.0268 13.8733 20.3526 12.7829 20.267 11.6857C20.196 10.5387 19.6941 9.45526 18.8542 8.63624C17.8763 7.72575 16.5555 7.23461 15.1936 7.27505H10.4727V24.7238H16.0372C17.4884 24.7756 18.898 24.2532 19.936 23.2787C20.9739 22.3042 21.549 20.9633 21.5266 19.5701C21.5446 18.2523 21.0215 16.9807 20.0705 16.0299ZM15.1936 9.3099C17.1091 9.3099 18.0539 10.5713 18.1405 11.8216C18.2068 13.1109 17.2481 14.2402 15.9188 14.4386H12.5934V9.3099H15.1936ZM12.5934 22.6889H16.0286H16.0372C18.3717 22.6889 19.4147 21.0727 19.4147 19.5701C19.4147 18.1341 18.4526 16.4707 15.731 16.4707H12.5934V22.6889Z" fill="white"></path></svg><span class="ml-2 font-bold uppercase text-sm heading-letter-spacing">Expert Take:</span></div><div class="text-gray-700 mt-2 wysiwyg"><p>Some student loan lenders don't refinance associate degree debt, but borrowers earning an associate degree in dental hygiene, nursing, occupational therapy and more can refinance with Laurel Road as soon as their final term.</p></div></div><div class="mt-4 md:grid md:grid-cols-2 md:gap-6" id="seeDetailsContent_:R2lcm:"><div><div class="RateCard__seeDetails"><span class="font-bold text-gray-900">Known qualification requirements</span><div class="text-gray-700 wysiwyg"><ul><li>Be a U.S. citizen or permanent resident or have a co-signer who is</li><li>Have graduated or be enrolled in good standing in the final term preceding graduation and be employed or have an offer of employment</li></ul></div></div><div class="RateCard__seeDetails"><span class="font-bold text-gray-900">Fees</span><ul class="text-gray-700"><li>Late fee of 5% of the amount or $28, whichever is less</li><li>Nonsufficient funds fee of $20</li><li>Returned payment fee of $20</li></ul></div></div><div><div class="text-crop-none text-gray-700 RateCard__pros"><h4 class="font-bold text-base pb-3 mb-4 border-b border-gray-400">Pros</h4><ul data-testid="pros-section"><li>Quick prequalification process</li><li>Discount for opening a Laurel Road checking account</li><li>Refinance as early as your final semester</li></ul></div><div class="text-crop-none text-gray-700 RateCard__cons"><h4 class="font-bold text-base pb-3 mb-4 border-b border-gray-400">Cons</h4><ul data-testid="cons-section"><li>Strict eligibility requirements for associate degree applicants</li><li>Low maximum amount for associate degree applicants</li><li>Several fees</li></ul></div></div></div><div><button type="button" class="Accordion-titleContainer mt-2 p-0 bg-white hover:bg-white" aria-expanded="false"><span class="font-bold text-gray-900 mr-2">See disclosures</span><span class="Accordion-icon Icon Icon--xs text-blue-600"><svg class="Icon-glyph" focusable="false" width="18px" height="18px" viewBox="-1 -2 8 8" version="1.1" aria-hidden="true"><g stroke="none" stroke-width="1" fill="" fill-rule="evenodd"><g transform="translate(-134.000000, -43.000000)" fill=""><polygon points="134.707107 43 134 43.6965437 137.353553 47 140.707107 43.6965437 140 43 137.358734 45.6018093"></polygon></g></g></svg></span></button></div><div class="Accordion-content p-0 block bg-white hidden" aria-hidden="false" data-toggle="content"><div class="text-gray-700 text-xs wysiwyg mt-2" id="seeDisclosuresContent_seeDetailsContent_:R2lcm:"></div></div></div></div></div></article></div></div></div><div class="mb-4"><div class="RateCard-layout grid grid-cols-12 w-full"><div class="RateCard-item"><article class="RateCard border border-gray-400 rounded text-base"><div class="flex flex-col md:flex-row md:items-center text-center"><div class="card-flag px-4 self-stretch bg-blue-700"><p class="type-heading-five uppercase m-0 py-3 text-white">STUDENT LOAN</p></div><div class="card-flag bg-blue-100 px-4"><h2 class="type-heading-six uppercase text-blue-900 m-0 py-2">INvested: Best for Indiana residents</h2></div></div><div class="px-4 sm:py-3"><div class="flex flex-col md:justify-between md:flex-row gap-4 md:items-center RateCard__topContainerv2"><div class="RateCard__firstColumn flex items-center md:items-start justify-between md:flex-col md:justify-start mt-4 md:mt-0 mr-3 md:mr-0"><div class="RateCard__LenderLogo pb-1"><img src="https://www.bankrate.com/static/loans/logos/invested.png?optimize=medium&format=pjpg&auto=webp" alt="Invested" loading="lazy" height="60" style="max-width:100%;max-height:max-content;height:auto"/></div></div><div class=" RateCard__headerDataContainer flex-2 "><div class="flex flex-col w-full md:grid md:grid-cols-3 md:justify-between md:gap-5"><div><div class=" flex justify-between w-full mb-2 border-t pt-2 border-gray-400 md:flex-col md:border-t-0 md:border-r md:mx-4 md:p-0 md:h-full md:justify-start"><span class="flex"><div class="text-gray-900 ml-0 text-sm md:text-base">Fixed APR from</div><div class="ml-1"><div class="Tooltip" data-test="undefined"><button class="Tooltip-trigger Button Button--bare" type="button" aria-expanded="false"><span class="Icon Icon--xs fill-blue-600 text-blue-600"><svg viewBox="0 0 16 16" fill="currentColor" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" class="Icon-glyph"><path fill-rule="evenodd" clip-rule="evenodd" d="M8 16A8 8 0 108 0a8 8 0 000 16zm0-1A7 7 0 118 1a7 7 0 010 14zM7 5.012a1 1 0 112 0A.994.994 0 018 6c-.549 0-1-.451-1-.988zM7 12V7h2v5H7z" class="info_svg__icon-base"></path></svg></span><span class="sr-only">Hover to learn more.</span></button><div class="Tooltip-content Tooltip-content--anchorLeft hidden" id="aprTooltip_:R1lkm:" role="tooltip" aria-hidden="true"><div class="Tooltip-body font-medium"><div class="Tooltip-arrow"></div><p class="text-xs">An annual percentage rate (APR) represents the interest and fees you'll pay on top of your initial amount every month. A fixed rate will not change during your repayment period.</p></div></div></div></div></span><div class="flex-col relative"><div class="font-bold text-gray-900 font-bold text-base md:text-3xl">5.99- 10.14<span class="Numeral-accent ">%</span></div></div></div></div><div class=" "><span class="text-gray-700 font-sans md:text-base"><div class="flex justify-between w-full mb-2 md:flex-col md:border-t-0 md:border-r border-gray-400 border-t pt-2 md:mx-4 md:p-0 md:h-full md:justify-start"><div class="text-gray-900 ml-0 text-sm md:text-base md:pl-2">Loan term</div><div class="font-bold text-gray-900 font-bold text-base md:text-3xl md:pl-2">5-20 yrs</div></div></span></div><div class="md:w-48"><div class="flex justify-between w-full mb-2 border-t pt-2 border-gray-400 md:flex-col md:border-t-0 md:mx-4 md:p-0 md:h-full md:justify-start border-b md:border-b-0 "><div class="flex"><div class="text-gray-900 ml-0 text-sm md:text-base md:pl-2 mb-4 md:mb-0">Loan amount</div><div class="ml-1"><div class="Tooltip" data-test="undefined"><button class="Tooltip-trigger Button Button--bare" type="button" aria-expanded="false"><span class="Icon Icon--xs fill-blue-600 text-blue-600"><svg viewBox="0 0 16 16" fill="currentColor" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" class="Icon-glyph"><path fill-rule="evenodd" clip-rule="evenodd" d="M8 16A8 8 0 108 0a8 8 0 000 16zm0-1A7 7 0 118 1a7 7 0 010 14zM7 5.012a1 1 0 112 0A.994.994 0 018 6c-.549 0-1-.451-1-.988zM7 12V7h2v5H7z" class="info_svg__icon-base"></path></svg></span><span class="sr-only">Hover to learn more.</span></button><div class="Tooltip-content Tooltip-content--anchorLeft hidden" id="aprTooltip_:R1lkm:" role="tooltip" aria-hidden="true"><div class="Tooltip-body font-medium"><div class="Tooltip-arrow"></div><p class="text-xs">The range of loan amounts that a lender will service. The maximum value is the largest amount a lender will give although this amount may not be available to borrowers who don’t have good or excellent credit. Amount ranges may vary for non-loan products. Term refers to the amount of time you have to repay the loan.</p></div></div></div></div></div><div class="font-bold text-gray-900 font-bold text-base md:text-3xl lowercase md:pl-2">$1k- $250K<span class="Numeral-accent"></span></div></div></div></div></div><div class="text-center sm:pt-8"><div></div><div><a href="" target="_blank" class="Button Button--primary RateTableButton Button Button--primary w-full md:w-60 mb-2" rel="noopener nofollow">See offers<svg viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" class="Button-icon Icon Icon--xs ml-2"><title>Arrow Right</title><path d="M20 12l-6.114 6-1.528-1.5 3.362-3.3H3v-2.4h12.72l-3.362-3.3L13.886 6 20 12z" class="arrow-right_svg__icon-base"></path></svg></a><p class="text-sm text-gray-700 mb-0">Check rate with Credible</p></div></div></div><div class="pb-3 pt-2 sm:pb-0"><div class="flex justify-between"><div><div class="Tooltip" data-test="VerifiedLenderTooltip"><button class="Tooltip-trigger Button Button--bare" type="button" aria-expanded="false"><span class="Icon Icon--xs fill-blue-600 text-blue-600"><svg class="Icon-glyph" viewBox="0 0 16 16" fill="currentColor" focusable="false"><path fill-rule="evenodd" clip-rule="evenodd" d="M4.686 0 8 .785 11.313 0l1.789 2.898L16 4.686 15.215 8 16 11.314l-2.898 1.789L11.313 16l-3.229-.784L4.686 16l-1.789-2.897L0 11.314.784 8 0 4.686l2.897-1.788L4.686 0Zm5.731 2.165-1.98.467L8 2.736l-.437-.104-1.981-.467-1.069 1.731-.236.382-.382.236-1.732 1.068.469 1.981.103.437-.103.438-.469 1.981 1.732 1.068.382.236.236.382 1.073 1.738 2.071-.478.437-.1.438.106 1.89.459 1.064-1.725.236-.382.382-.236 1.732-1.068-.468-1.981L13.264 8l.104-.437.468-1.981-1.732-1.068-.382-.236-.236-.382-1.069-1.731ZM5.736 6.713l1.423 1.423 3.104-3.105 1.415 1.415-4.525 4.524-1.414-1.415.005-.005-1.422-1.423 1.414-1.414Z" class="icon-base" fill="currentColor"></path><title>Badge</title></svg></span><span class="sr-only">Hover to learn more about our Bankrate scores.</span><span class="text-sm border-b border-dotted border-blue-600 text-gray-700 ml-1 font-normal font-sans">Verified lender</span></button><div class="Tooltip-content Tooltip-content--anchorLeft hidden" id="scoreTooltip_:R2lkm:" role="tooltip" aria-hidden="true"><div class="Tooltip-body font-medium"><div class="Tooltip-arrow"></div><p class="text-xs">This lender is registered in states where it does business and was vetted by the Bankrate Editorial team.</p></div></div></div></div><div><button type="button" class="Accordion-titleContainer p-0 bg-white hover:bg-white" aria-expanded="false"><h3 class="Accordion-title font-bold flex-none mr-2 my-0 text-base text-gray-900 hover:text-gray-900">See details</h3><span class="Accordion-icon Icon Icon--xs text-blue-600"><svg class="Icon-glyph" focusable="false" width="18px" height="18px" viewBox="-1 -2 8 8" version="1.1" aria-hidden="true"><g stroke="none" stroke-width="1" fill="" fill-rule="evenodd"><g transform="translate(-134.000000, -43.000000)" fill=""><polygon points="134.707107 43 134 43.6965437 137.353553 47 140.707107 43.6965437 140 43 137.358734 45.6018093"></polygon></g></g></svg></span></button></div></div><div class="Accordion-content p-0 mt-4 block pt-3 pb-0 md:pb-0 bg-white hidden" aria-hidden="false" data-toggle="content"><div class="bg-gray-100 py-4 px-5"><div class="flex items-center"><svg class="icon__glyph " xmlns="http://www.w3.org/2000/svg" width="32" height="32" viewBox="0 0 32 32" fill="none"><rect width="32" height="32" rx="4" fill="#0157FF"></rect><path fill-rule="evenodd" clip-rule="evenodd" d="M20.0705 16.0299C19.7404 15.7036 19.364 15.4236 18.9524 15.1982C19.0949 15.0614 19.2272 14.915 19.3482 14.7602C20.0268 13.8733 20.3526 12.7829 20.267 11.6857C20.196 10.5387 19.6941 9.45526 18.8542 8.63624C17.8763 7.72575 16.5555 7.23461 15.1936 7.27505H10.4727V24.7238H16.0372C17.4884 24.7756 18.898 24.2532 19.936 23.2787C20.9739 22.3042 21.549 20.9633 21.5266 19.5701C21.5446 18.2523 21.0215 16.9807 20.0705 16.0299ZM15.1936 9.3099C17.1091 9.3099 18.0539 10.5713 18.1405 11.8216C18.2068 13.1109 17.2481 14.2402 15.9188 14.4386H12.5934V9.3099H15.1936ZM12.5934 22.6889H16.0286H16.0372C18.3717 22.6889 19.4147 21.0727 19.4147 19.5701C19.4147 18.1341 18.4526 16.4707 15.731 16.4707H12.5934V22.6889Z" fill="white"></path></svg><span class="ml-2 font-bold uppercase text-sm heading-letter-spacing">Expert Take:</span></div><div class="text-gray-700 mt-2 wysiwyg"><p>INvestEd is best for borrowers with strong credit, as the refinance requirements are more strict than similar lenders. However, you can refinance even if you have not earned your degree yet, which is a plus.</p></div></div><div class="mt-4 md:grid md:grid-cols-2 md:gap-6" id="seeDetailsContent_:R2lkm:"><div><div class="RateCard__seeDetails"><span class="font-bold text-gray-900">Known qualification requirements</span><div class="text-gray-700 wysiwyg"><ul><li>Be either a U.S. citizen or permanent resident</li><li>Must be an Indiana resident</li><li>Have a FICO score of at least 670</li><li>Have an annual income of at least $36,000</li><li>No delinquencies of 60 days or more during the previous 24 months</li><li>Monthly payments for approved credit must not exceed 40% to 50% of gross monthly income</li><li>No repossessions, foreclosures or garnishments</li><li>No reported bankruptcies within the past five years</li><li>The loan must be a private or federal education loan, in repayment and current at the time of your refinance application</li></ul><p><br></p></div></div><div class="RateCard__seeDetails"><span class="font-bold text-gray-900">Fees</span><ul class="text-gray-700"><li>Returned payment fee</li></ul></div></div><div><div class="text-crop-none text-gray-700 RateCard__pros"><h4 class="font-bold text-base pb-3 mb-4 border-b border-gray-400">Pros</h4><ul data-testid="pros-section"><li>No fees are enforced for loan application</li><li>Autopay discount</li><li>Deferment options </li></ul></div><div class="text-crop-none text-gray-700 RateCard__cons"><h4 class="font-bold text-base pb-3 mb-4 border-b border-gray-400">Cons</h4><ul data-testid="cons-section"><li>High credit requirement</li><li>Low maximum loan amount</li><li>Strict debt-to-income ratio requirement </li></ul></div></div></div><div><button type="button" class="Accordion-titleContainer mt-2 p-0 bg-white hover:bg-white" aria-expanded="false"><span class="font-bold text-gray-900 mr-2">See disclosures</span><span class="Accordion-icon Icon Icon--xs text-blue-600"><svg class="Icon-glyph" focusable="false" width="18px" height="18px" viewBox="-1 -2 8 8" version="1.1" aria-hidden="true"><g stroke="none" stroke-width="1" fill="" fill-rule="evenodd"><g transform="translate(-134.000000, -43.000000)" fill=""><polygon points="134.707107 43 134 43.6965437 137.353553 47 140.707107 43.6965437 140 43 137.358734 45.6018093"></polygon></g></g></svg></span></button></div><div class="Accordion-content p-0 block bg-white hidden" aria-hidden="false" data-toggle="content"><div class="text-gray-700 text-xs wysiwyg mt-2" id="seeDisclosuresContent_seeDetailsContent_:R2lkm:"><p>INvestEd Student Loan Disclosures</p><p>1These rates are expressed as APR.</p><p>Rates shown are for eligible, creditworthy applicants and requires shortest length of repayment and our Automatic Payment discount of 0.25 percentage points. Automatic payments are not required. Annual percentage rates (APR) listed are based on borrowing $10,000 in a single disbursement.</p><p>The Fixed rate will not change during the term.</p><p>The variable rate is subject to increase after consummation. The maximum variable interest rate is 21.00%. The variable interest rate that is charged to the borrower is reset quarterly, may increase or decrease, and is based on an Index and Margin. That means that your rate could move lower or higher than the rates on this form. The variable rate is based upon the average of the three-month forward term version of the 90-day Secured Overnight Financing Rate (SOFR) published by a source approved by the Alternative Reference Rate Committee (ARRC).</p></div></div></div></div></div></article></div></div></div><div class="mb-4"><div class="RateCard-layout grid grid-cols-12 w-full"><div class="RateCard-item"><article class="RateCard border border-gray-400 rounded text-base"><div class="flex flex-col md:flex-row md:items-center text-center"><div class="card-flag px-4 self-stretch bg-blue-700"><p class="type-heading-five uppercase m-0 py-3 text-white">STUDENT LOAN</p></div><div class="card-flag bg-blue-100 px-4"><h2 class="type-heading-six uppercase text-blue-900 m-0 py-2">Lendkey: Best for getting matched with a community lender </h2></div></div><div class="px-4 sm:py-3"><div class="flex flex-col md:justify-between md:flex-row gap-4 md:items-center RateCard__topContainerv2"><div class="RateCard__firstColumn flex items-center md:items-start justify-between md:flex-col md:justify-start mt-4 md:mt-0 mr-3 md:mr-0"><div class="RateCard__LenderLogo pb-1"><img src="https://www.bankrate.com/static/loans/logos/lendkey.png?optimize=medium&format=pjpg&auto=webp" alt="Lendkey" loading="lazy" height="60" style="max-width:100%;max-height:max-content;height:auto"/></div><div class="flex flex-col relative"><div class="flex items-center justify-center"><div class="RatingStars mr-1" role="marquee" aria-label="4.0 star rating"><div class="RatingStars-iconMask" style="width:80%"><ul class="RatingStars-iconContainer"><li class="RatingStars-icon Icon Icon--xs fill-blue-600 text-blue-600"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-blue-600 text-blue-600"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-blue-600 text-blue-600"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-blue-600 text-blue-600"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-blue-600 text-blue-600"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li></ul></div><ul class="RatingStars-iconContainer mb-1"><li class="RatingStars-icon Icon Icon--xs fill-gray-400 text-gray-400"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-gray-400 text-gray-400"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-gray-400 text-gray-400"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-gray-400 text-gray-400"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-gray-400 text-gray-400"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li></ul></div><div class="text-base font-bold mr-2 text-gray-900">4.0</div></div><div class="text-sm text-gray-900 text-center"><a class="Link Link--standalone" href="https://www.bankrate.com/loans/student-loans/reviews/lendkey/" target="_blank" rel="noreferrer">Bankrate Review</a></div><div class="tooltip-wrapper inline-block ml-1 cursor-pointer mt-1 absolute"><div class="Tooltip" data-test="undefined"><button class="Tooltip-trigger Button Button--bare" type="button" aria-expanded="false"><span class="Icon Icon--xs fill-blue-600 text-blue-600"><svg viewBox="0 0 16 16" fill="currentColor" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" class="Icon-glyph"><path fill-rule="evenodd" clip-rule="evenodd" d="M8 16A8 8 0 108 0a8 8 0 000 16zm0-1A7 7 0 118 1a7 7 0 010 14zM7 5.012a1 1 0 112 0A.994.994 0 018 6c-.549 0-1-.451-1-.988zM7 12V7h2v5H7z" class="info_svg__icon-base"></path></svg></span><span class="sr-only">Hover to learn more about our Bankrate scores.</span></button><div class="Tooltip-content Tooltip-content--anchorLeft hidden" id="scoreTooltip_:R1lsm:" role="tooltip" aria-hidden="true"><div class="Tooltip-body font-medium"><div class="Tooltip-arrow"></div><p class="text-xs"><span class="font-bold">Bankrate Score = 4.0/5</span><br/>Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.</p></div></div></div></div></div></div><div class=" RateCard__headerDataContainer flex-2 "><div class="flex flex-col w-full md:grid md:grid-cols-3 md:justify-between md:gap-5"><div><div class=" flex justify-between w-full mb-2 border-t pt-2 border-gray-400 md:flex-col md:border-t-0 md:border-r md:mx-4 md:p-0 md:h-full md:justify-start"><span class="flex"><div class="text-gray-900 ml-0 text-sm md:text-base">Fixed APR from</div><div class="ml-1"><div class="Tooltip" data-test="undefined"><button class="Tooltip-trigger Button Button--bare" type="button" aria-expanded="false"><span class="Icon Icon--xs fill-blue-600 text-blue-600"><svg viewBox="0 0 16 16" fill="currentColor" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" class="Icon-glyph"><path fill-rule="evenodd" clip-rule="evenodd" d="M8 16A8 8 0 108 0a8 8 0 000 16zm0-1A7 7 0 118 1a7 7 0 010 14zM7 5.012a1 1 0 112 0A.994.994 0 018 6c-.549 0-1-.451-1-.988zM7 12V7h2v5H7z" class="info_svg__icon-base"></path></svg></span><span class="sr-only">Hover to learn more.</span></button><div class="Tooltip-content Tooltip-content--anchorLeft hidden" id="aprTooltip_:R1lsm:" role="tooltip" aria-hidden="true"><div class="Tooltip-body font-medium"><div class="Tooltip-arrow"></div><p class="text-xs">An annual percentage rate (APR) represents the interest and fees you'll pay on top of your initial amount every month. A fixed rate will not change during your repayment period.</p></div></div></div></div></span><div class="flex-col relative"><div class="font-bold text-gray-900 font-bold text-base md:text-3xl">4.89- 9.04<span class="Numeral-accent ">%</span></div></div></div></div><div class=" "><span class="text-gray-700 font-sans md:text-base"><div class="flex justify-between w-full mb-2 md:flex-col md:border-t-0 md:border-r border-gray-400 border-t pt-2 md:mx-4 md:p-0 md:h-full md:justify-start"><div class="text-gray-900 ml-0 text-sm md:text-base md:pl-2">Loan term</div><div class="font-bold text-gray-900 font-bold text-base md:text-3xl md:pl-2">5-20 yrs</div></div></span></div><div class="md:w-48"><div class="flex justify-between w-full mb-2 border-t pt-2 border-gray-400 md:flex-col md:border-t-0 md:mx-4 md:p-0 md:h-full md:justify-start border-b md:border-b-0 "><div class="flex"><div class="text-gray-900 ml-0 text-sm md:text-base md:pl-2 mb-4 md:mb-0">Loan amount</div><div class="ml-1"><div class="Tooltip" data-test="undefined"><button class="Tooltip-trigger Button Button--bare" type="button" aria-expanded="false"><span class="Icon Icon--xs fill-blue-600 text-blue-600"><svg viewBox="0 0 16 16" fill="currentColor" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" class="Icon-glyph"><path fill-rule="evenodd" clip-rule="evenodd" d="M8 16A8 8 0 108 0a8 8 0 000 16zm0-1A7 7 0 118 1a7 7 0 010 14zM7 5.012a1 1 0 112 0A.994.994 0 018 6c-.549 0-1-.451-1-.988zM7 12V7h2v5H7z" class="info_svg__icon-base"></path></svg></span><span class="sr-only">Hover to learn more.</span></button><div class="Tooltip-content Tooltip-content--anchorLeft hidden" id="aprTooltip_:R1lsm:" role="tooltip" aria-hidden="true"><div class="Tooltip-body font-medium"><div class="Tooltip-arrow"></div><p class="text-xs">The range of loan amounts that a lender will service. The maximum value is the largest amount a lender will give although this amount may not be available to borrowers who don’t have good or excellent credit. Amount ranges may vary for non-loan products. Term refers to the amount of time you have to repay the loan.</p></div></div></div></div></div><div class="font-bold text-gray-900 font-bold text-base md:text-3xl lowercase md:pl-2">$5,000-100% of amount borrowed<span class="Numeral-accent"></span></div></div></div></div></div><div class="text-center sm:pt-8"><div></div><div><a href="" target="_blank" class="Button Button--primary RateTableButton Button Button--primary w-full md:w-60 mb-2" rel="noopener nofollow">See offers<svg viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" class="Button-icon Icon Icon--xs ml-2"><title>Arrow Right</title><path d="M20 12l-6.114 6-1.528-1.5 3.362-3.3H3v-2.4h12.72l-3.362-3.3L13.886 6 20 12z" class="arrow-right_svg__icon-base"></path></svg></a><p class="text-sm text-gray-700 mb-0">Check rate with Credible</p></div></div></div><div class="pb-3 pt-2 sm:pb-0"><div class="flex justify-between"><div><div class="Tooltip" data-test="VerifiedLenderTooltip"><button class="Tooltip-trigger Button Button--bare" type="button" aria-expanded="false"><span class="Icon Icon--xs fill-blue-600 text-blue-600"><svg class="Icon-glyph" viewBox="0 0 16 16" fill="currentColor" focusable="false"><path fill-rule="evenodd" clip-rule="evenodd" d="M4.686 0 8 .785 11.313 0l1.789 2.898L16 4.686 15.215 8 16 11.314l-2.898 1.789L11.313 16l-3.229-.784L4.686 16l-1.789-2.897L0 11.314.784 8 0 4.686l2.897-1.788L4.686 0Zm5.731 2.165-1.98.467L8 2.736l-.437-.104-1.981-.467-1.069 1.731-.236.382-.382.236-1.732 1.068.469 1.981.103.437-.103.438-.469 1.981 1.732 1.068.382.236.236.382 1.073 1.738 2.071-.478.437-.1.438.106 1.89.459 1.064-1.725.236-.382.382-.236 1.732-1.068-.468-1.981L13.264 8l.104-.437.468-1.981-1.732-1.068-.382-.236-.236-.382-1.069-1.731ZM5.736 6.713l1.423 1.423 3.104-3.105 1.415 1.415-4.525 4.524-1.414-1.415.005-.005-1.422-1.423 1.414-1.414Z" class="icon-base" fill="currentColor"></path><title>Badge</title></svg></span><span class="sr-only">Hover to learn more about our Bankrate scores.</span><span class="text-sm border-b border-dotted border-blue-600 text-gray-700 ml-1 font-normal font-sans">Verified lender</span></button><div class="Tooltip-content Tooltip-content--anchorLeft hidden" id="scoreTooltip_:R2lsm:" role="tooltip" aria-hidden="true"><div class="Tooltip-body font-medium"><div class="Tooltip-arrow"></div><p class="text-xs">This lender is registered in states where it does business and was vetted by the Bankrate Editorial team.</p></div></div></div></div><div><button type="button" class="Accordion-titleContainer p-0 bg-white hover:bg-white" aria-expanded="false"><h3 class="Accordion-title font-bold flex-none mr-2 my-0 text-base text-gray-900 hover:text-gray-900">See details</h3><span class="Accordion-icon Icon Icon--xs text-blue-600"><svg class="Icon-glyph" focusable="false" width="18px" height="18px" viewBox="-1 -2 8 8" version="1.1" aria-hidden="true"><g stroke="none" stroke-width="1" fill="" fill-rule="evenodd"><g transform="translate(-134.000000, -43.000000)" fill=""><polygon points="134.707107 43 134 43.6965437 137.353553 47 140.707107 43.6965437 140 43 137.358734 45.6018093"></polygon></g></g></svg></span></button></div></div><div class="Accordion-content p-0 mt-4 block pt-3 pb-0 md:pb-0 bg-white hidden" aria-hidden="false" data-toggle="content"><div class="bg-gray-100 py-4 px-5"><div class="flex items-center"><svg class="icon__glyph " xmlns="http://www.w3.org/2000/svg" width="32" height="32" viewBox="0 0 32 32" fill="none"><rect width="32" height="32" rx="4" fill="#0157FF"></rect><path fill-rule="evenodd" clip-rule="evenodd" d="M20.0705 16.0299C19.7404 15.7036 19.364 15.4236 18.9524 15.1982C19.0949 15.0614 19.2272 14.915 19.3482 14.7602C20.0268 13.8733 20.3526 12.7829 20.267 11.6857C20.196 10.5387 19.6941 9.45526 18.8542 8.63624C17.8763 7.72575 16.5555 7.23461 15.1936 7.27505H10.4727V24.7238H16.0372C17.4884 24.7756 18.898 24.2532 19.936 23.2787C20.9739 22.3042 21.549 20.9633 21.5266 19.5701C21.5446 18.2523 21.0215 16.9807 20.0705 16.0299ZM15.1936 9.3099C17.1091 9.3099 18.0539 10.5713 18.1405 11.8216C18.2068 13.1109 17.2481 14.2402 15.9188 14.4386H12.5934V9.3099H15.1936ZM12.5934 22.6889H16.0286H16.0372C18.3717 22.6889 19.4147 21.0727 19.4147 19.5701C19.4147 18.1341 18.4526 16.4707 15.731 16.4707H12.5934V22.6889Z" fill="white"></path></svg><span class="ml-2 font-bold uppercase text-sm heading-letter-spacing">Expert Take:</span></div><div class="text-gray-700 mt-2 wysiwyg"><p>LendKey connects borrowers to loans from community banks. Even after borrowers are approved and loans are funded, LendKey will continue to service the loan through it being paid off, so there's no handoff to worry about.</p></div></div><div class="mt-4 md:grid md:grid-cols-2 md:gap-6" id="seeDetailsContent_:R2lsm:"><div><div class="RateCard__seeDetails"><span class="font-bold text-gray-900">Known qualification requirements</span><div class="text-gray-700 wysiwyg"><ul><li>Be a U.S. citizen or permanent resident</li><li>Have graduated with at least an associate degree </li></ul><p><br></p></div></div><div class="RateCard__seeDetails"><span class="font-bold text-gray-900">Fees</span><ul class="text-gray-700"><li>Late fee</li><li>Insufficient funds fee</li></ul></div></div><div><div class="text-crop-none text-gray-700 RateCard__pros"><h4 class="font-bold text-base pb-3 mb-4 border-b border-gray-400">Pros</h4><ul data-testid="pros-section"><li>Repayment terms of 5 to 20 years</li><li>One application to compare multiple lenders</li><li>No origination fees</li></ul></div><div class="text-crop-none text-gray-700 RateCard__cons"><h4 class="font-bold text-base pb-3 mb-4 border-b border-gray-400">Cons</h4><ul data-testid="cons-section"><li>Loan details and fees depend on the lender you're matched with</li><li>Associate degree or higher required</li><li>Forbearance options vary by lender</li></ul><div class="mb-8 sm:mb-4"><a class="Link Link--standalone font-bold" href="https://www.bankrate.com/loans/student-loans/reviews/lendkey/#what-customers-think" target="_blank" rel="noreferrer">See customer reviews<span class="Icon Icon--xs mb-2 ml-2"><svg viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em"><title>Arrow Right</title><path d="M20 12l-6.114 6-1.528-1.5 3.362-3.3H3v-2.4h12.72l-3.362-3.3L13.886 6 20 12z" class="arrow-right_svg__icon-base"></path></svg></span></a></div></div></div></div><div><button type="button" class="Accordion-titleContainer mt-2 p-0 bg-white hover:bg-white" aria-expanded="false"><span class="font-bold text-gray-900 mr-2">See disclosures</span><span class="Accordion-icon Icon Icon--xs text-blue-600"><svg class="Icon-glyph" focusable="false" width="18px" height="18px" viewBox="-1 -2 8 8" version="1.1" aria-hidden="true"><g stroke="none" stroke-width="1" fill="" fill-rule="evenodd"><g transform="translate(-134.000000, -43.000000)" fill=""><polygon points="134.707107 43 134 43.6965437 137.353553 47 140.707107 43.6965437 140 43 137.358734 45.6018093"></polygon></g></g></svg></span></button></div><div class="Accordion-content p-0 block bg-white hidden" aria-hidden="false" data-toggle="content"><div class="text-gray-700 text-xs wysiwyg mt-2" id="seeDisclosuresContent_seeDetailsContent_:R2lsm:"><p>Terms and Conditions Apply</p><p>Rates displayed are reserved for the most creditworthy consumers who enroll to make automatic monthly payments. Your initial rate will be determined after a review of your application and credit profile, and it may be based on your credit score, level of degree earned, and the availability and credit score of a cosigner applicant. Applying with a creditworthy cosigner may result in a better chance of loan approval and/or lower interest rate. Variable rates may increase after consummation. Refinancing via LendKey.com is only available for applicants with qualified private education loans from an eligible institution. Loans that were used for exam preparation classes, including, but not limited to, loans for LSAT, MCAT, GMAT, and GRE preparation, are not eligible for refinancing with a lender via LendKey.com. If you currently have any of these exam preparation loans, you should not include them in an application to refinance your student loans on this website. Applicants must be either U.S. citizens or Permanent Residents in an eligible state to qualify for a loan. Certain membership requirements (including the opening of a share account and any applicable association fees in connection with membership) may apply in the event that an applicant wishes to accept a loan offer from a credit union lender. If you are not a member of the credit union lender, you may apply and become a member during the loan application process if your meet the lender's eligibility criteria. Lenders participating on LendKey.com reserve the right to modify or discontinue the products, terms, and benefits offered on this website at any time without notice. LendKey Technologies, Inc. is not affiliated with, nor does it endorse, any educational institution.</p><p>AutoPay Discount & Lowest Interest Rate</p><p>Subject to floor rate and may require the automatic payments be made from a checking or savings account with the lender. The rate reduction will be removed and the rate will be increased by 0.25% upon any cancellation or failed collection attempt of the automatic payment and will be suspended during any period of deferment or forbearance. As a result, during the forbearance or suspension period, and/or if the automatic payment is canceled, any increase will take the form of higher payments. The lowest advertised APR is only available for loan terms of 5 years and is reserved for the highest qualified applicants, taking into consideration the applicant’s credit and other factors.</p><p>As of 06/13/2024 student loan refinancing rates range from 5.24% to 9.60% Fixed APR with AutoPay.</p></div></div></div></div></div></article></div></div></div><div class="mb-4"><div class="RateCard-layout grid grid-cols-12 w-full"><div class="RateCard-item"><article class="RateCard border border-gray-400 rounded text-base"><div class="flex items-center relative w-full bg-blue-900 awards-badge-height pl-6"><div class="absolute" style="top:0"><svg width="56" height="60" viewBox="0 0 56 60" fill="none" xmlns="http://www.w3.org/2000/svg"><path d="M1 35.033L1 35.0311L1 1.47855C1 1.2839 1.19376 1 1.59431 1L54.4057 1C54.8062 1 55 1.2839 55 1.47855L55 35.1237C54.9476 48.7528 43.0048 59 28 59C12.9948 59 1.05191 48.7523 1.00018 35.1226C1.00017 35.1223 1.00017 35.122 1.00017 35.1217L1 35.033Z" 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stop-color="#CEA433"></stop><stop offset="0.405497" stop-color="#FFDD83"></stop><stop offset="0.769579" stop-color="#E8C15C"></stop><stop offset="1" stop-color="#B59133"></stop></linearGradient><linearGradient id="paint3_linear_3145_6713" x1="55.068" y1="45.5266" x2="45.0517" y2="18.5302" gradientUnits="userSpaceOnUse"><stop offset="0.143032" stop-color="#CEA433"></stop><stop offset="0.405497" stop-color="#FFDD83"></stop><stop offset="0.769579" stop-color="#E8C15C"></stop><stop offset="1" stop-color="#B59133"></stop></linearGradient></defs></svg></div><div class="awards-badge-text my-2"><h2 class="uppercase font-sans leading-3 md:leading-6 text-xs md:text-sm text-white inline heading-letter-spacing">Citizens Bank: Bankrate 2025 Award Winner Best For Parents</h2></div></div><div class="px-4 sm:py-3"><div class="flex flex-col md:justify-between md:flex-row gap-4 md:items-center RateCard__topContainerv2"><div class="RateCard__firstColumn flex items-center md:items-start justify-between md:flex-col md:justify-start mt-4 md:mt-0 mr-3 md:mr-0"><div class="RateCard__LenderLogo pb-1"><img src="https://www.bankrate.com/static/loans/logos/Citizens Bank.png?optimize=medium&format=pjpg&auto=webp" alt="Citizens" loading="lazy" height="60" style="max-width:100%;max-height:max-content;height:auto"/></div><div class="flex flex-col relative"><div class="flex items-center justify-center"><div class="RatingStars mr-1" role="marquee" aria-label="4.6 star rating"><div class="RatingStars-iconMask" style="width:92%"><ul class="RatingStars-iconContainer"><li class="RatingStars-icon Icon Icon--xs fill-blue-600 text-blue-600"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-blue-600 text-blue-600"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-blue-600 text-blue-600"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-blue-600 text-blue-600"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-blue-600 text-blue-600"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li></ul></div><ul class="RatingStars-iconContainer mb-1"><li class="RatingStars-icon Icon Icon--xs fill-gray-400 text-gray-400"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-gray-400 text-gray-400"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-gray-400 text-gray-400"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-gray-400 text-gray-400"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-gray-400 text-gray-400"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li></ul></div><div class="text-base font-bold mr-2 text-gray-900">4.6</div></div><div class="text-sm text-gray-900 text-center"><a class="Link Link--standalone" href="https://www.bankrate.com/loans/student-loans/reviews/citizens-bank/" target="_blank" rel="noreferrer">Bankrate Review</a></div><div class="tooltip-wrapper inline-block ml-1 cursor-pointer mt-1 absolute"><div class="Tooltip" data-test="undefined"><button class="Tooltip-trigger Button Button--bare" type="button" aria-expanded="false"><span class="Icon Icon--xs fill-blue-600 text-blue-600"><svg viewBox="0 0 16 16" fill="currentColor" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" class="Icon-glyph"><path fill-rule="evenodd" clip-rule="evenodd" d="M8 16A8 8 0 108 0a8 8 0 000 16zm0-1A7 7 0 118 1a7 7 0 010 14zM7 5.012a1 1 0 112 0A.994.994 0 018 6c-.549 0-1-.451-1-.988zM7 12V7h2v5H7z" class="info_svg__icon-base"></path></svg></span><span class="sr-only">Hover to learn more about our Bankrate scores.</span></button><div class="Tooltip-content Tooltip-content--anchorLeft hidden" id="scoreTooltip_:R1m4m:" role="tooltip" aria-hidden="true"><div class="Tooltip-body font-medium"><div class="Tooltip-arrow"></div><p class="text-xs"><span class="font-bold">Bankrate Score = 4.6/5</span><br/>Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.</p></div></div></div></div></div></div><div class=" RateCard__headerDataContainer flex-2 "><div class="flex flex-col w-full md:grid md:grid-cols-3 md:justify-between md:gap-5"><div><div class=" flex justify-between w-full mb-2 border-t pt-2 border-gray-400 md:flex-col md:border-t-0 md:border-r md:mx-4 md:p-0 md:h-full md:justify-start"><span class="flex"><div class="text-gray-900 ml-0 text-sm md:text-base">Fixed APR from</div><div class="ml-1"><div class="Tooltip" data-test="undefined"><button class="Tooltip-trigger Button Button--bare" type="button" aria-expanded="false"><span class="Icon Icon--xs fill-blue-600 text-blue-600"><svg viewBox="0 0 16 16" fill="currentColor" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" class="Icon-glyph"><path fill-rule="evenodd" clip-rule="evenodd" d="M8 16A8 8 0 108 0a8 8 0 000 16zm0-1A7 7 0 118 1a7 7 0 010 14zM7 5.012a1 1 0 112 0A.994.994 0 018 6c-.549 0-1-.451-1-.988zM7 12V7h2v5H7z" class="info_svg__icon-base"></path></svg></span><span class="sr-only">Hover to learn more.</span></button><div class="Tooltip-content Tooltip-content--anchorLeft hidden" id="aprTooltip_:R1m4m:" role="tooltip" aria-hidden="true"><div class="Tooltip-body font-medium"><div class="Tooltip-arrow"></div><p class="text-xs">An annual percentage rate (APR) represents the interest and fees you'll pay on top of your initial amount every month. A fixed rate will not change during your repayment period.</p></div></div></div></div></span><div class="flex-col relative"><div class="font-bold text-gray-900 font-bold text-base md:text-3xl">5.89- 12.10<span class="Numeral-accent ">%</span></div></div></div></div><div class=" "><span class="text-gray-700 font-sans md:text-base"><div class="flex justify-between w-full mb-2 md:flex-col md:border-t-0 md:border-r border-gray-400 border-t pt-2 md:mx-4 md:p-0 md:h-full md:justify-start"><div class="text-gray-900 ml-0 text-sm md:text-base md:pl-2">Loan term</div><div class="font-bold text-gray-900 font-bold text-base md:text-3xl md:pl-2">5-20 yrs</div></div></span></div><div class="md:w-48"><div class="flex justify-between w-full mb-2 border-t pt-2 border-gray-400 md:flex-col md:border-t-0 md:mx-4 md:p-0 md:h-full md:justify-start border-b md:border-b-0 "><div class="flex"><div class="text-gray-900 ml-0 text-sm md:text-base md:pl-2 mb-4 md:mb-0">Loan amount</div><div class="ml-1"><div class="Tooltip" data-test="undefined"><button class="Tooltip-trigger Button Button--bare" type="button" aria-expanded="false"><span class="Icon Icon--xs fill-blue-600 text-blue-600"><svg viewBox="0 0 16 16" fill="currentColor" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" class="Icon-glyph"><path fill-rule="evenodd" clip-rule="evenodd" d="M8 16A8 8 0 108 0a8 8 0 000 16zm0-1A7 7 0 118 1a7 7 0 010 14zM7 5.012a1 1 0 112 0A.994.994 0 018 6c-.549 0-1-.451-1-.988zM7 12V7h2v5H7z" class="info_svg__icon-base"></path></svg></span><span class="sr-only">Hover to learn more.</span></button><div class="Tooltip-content Tooltip-content--anchorLeft hidden" id="aprTooltip_:R1m4m:" role="tooltip" aria-hidden="true"><div class="Tooltip-body font-medium"><div class="Tooltip-arrow"></div><p class="text-xs">The range of loan amounts that a lender will service. The maximum value is the largest amount a lender will give although this amount may not be available to borrowers who don’t have good or excellent credit. Amount ranges may vary for non-loan products. Term refers to the amount of time you have to repay the loan.</p></div></div></div></div></div><div class="font-bold text-gray-900 font-bold text-base md:text-3xl lowercase md:pl-2">$10k- $750K<span class="Numeral-accent"></span></div></div></div></div></div><div class="text-center sm:pt-8"><div></div><div><a href="" target="_blank" class="Button Button--primary RateTableButton Button Button--primary w-full md:w-60 mb-2" rel="noopener nofollow">See offers<svg viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" class="Button-icon Icon Icon--xs ml-2"><title>Arrow Right</title><path d="M20 12l-6.114 6-1.528-1.5 3.362-3.3H3v-2.4h12.72l-3.362-3.3L13.886 6 20 12z" class="arrow-right_svg__icon-base"></path></svg></a><p class="text-sm text-gray-700 mb-0">Check rate with Credible</p></div></div></div><div class="pb-3 pt-2 sm:pb-0"><div class="flex justify-between"><div><div class="Tooltip" data-test="VerifiedLenderTooltip"><button class="Tooltip-trigger Button Button--bare" type="button" aria-expanded="false"><span class="Icon Icon--xs fill-blue-600 text-blue-600"><svg class="Icon-glyph" viewBox="0 0 16 16" fill="currentColor" focusable="false"><path fill-rule="evenodd" clip-rule="evenodd" d="M4.686 0 8 .785 11.313 0l1.789 2.898L16 4.686 15.215 8 16 11.314l-2.898 1.789L11.313 16l-3.229-.784L4.686 16l-1.789-2.897L0 11.314.784 8 0 4.686l2.897-1.788L4.686 0Zm5.731 2.165-1.98.467L8 2.736l-.437-.104-1.981-.467-1.069 1.731-.236.382-.382.236-1.732 1.068.469 1.981.103.437-.103.438-.469 1.981 1.732 1.068.382.236.236.382 1.073 1.738 2.071-.478.437-.1.438.106 1.89.459 1.064-1.725.236-.382.382-.236 1.732-1.068-.468-1.981L13.264 8l.104-.437.468-1.981-1.732-1.068-.382-.236-.236-.382-1.069-1.731ZM5.736 6.713l1.423 1.423 3.104-3.105 1.415 1.415-4.525 4.524-1.414-1.415.005-.005-1.422-1.423 1.414-1.414Z" class="icon-base" fill="currentColor"></path><title>Badge</title></svg></span><span class="sr-only">Hover to learn more about our Bankrate scores.</span><span class="text-sm border-b border-dotted border-blue-600 text-gray-700 ml-1 font-normal font-sans">Verified lender</span></button><div class="Tooltip-content Tooltip-content--anchorLeft hidden" id="scoreTooltip_:R2m4m:" role="tooltip" aria-hidden="true"><div class="Tooltip-body font-medium"><div class="Tooltip-arrow"></div><p class="text-xs">This lender is registered in states where it does business and was vetted by the Bankrate Editorial team.</p></div></div></div></div><div><button type="button" class="Accordion-titleContainer p-0 bg-white hover:bg-white" aria-expanded="false"><h3 class="Accordion-title font-bold flex-none mr-2 my-0 text-base text-gray-900 hover:text-gray-900">See details</h3><span class="Accordion-icon Icon Icon--xs text-blue-600"><svg class="Icon-glyph" focusable="false" width="18px" height="18px" viewBox="-1 -2 8 8" version="1.1" aria-hidden="true"><g stroke="none" stroke-width="1" fill="" fill-rule="evenodd"><g transform="translate(-134.000000, -43.000000)" fill=""><polygon points="134.707107 43 134 43.6965437 137.353553 47 140.707107 43.6965437 140 43 137.358734 45.6018093"></polygon></g></g></svg></span></button></div></div><div class="Accordion-content p-0 mt-4 block pt-3 pb-0 md:pb-0 bg-white hidden" aria-hidden="false" data-toggle="content"><div class="bg-gray-100 py-4 px-5"><div class="flex items-center"><svg class="icon__glyph " xmlns="http://www.w3.org/2000/svg" width="32" height="32" viewBox="0 0 32 32" fill="none"><rect width="32" height="32" rx="4" fill="#0157FF"></rect><path fill-rule="evenodd" clip-rule="evenodd" d="M20.0705 16.0299C19.7404 15.7036 19.364 15.4236 18.9524 15.1982C19.0949 15.0614 19.2272 14.915 19.3482 14.7602C20.0268 13.8733 20.3526 12.7829 20.267 11.6857C20.196 10.5387 19.6941 9.45526 18.8542 8.63624C17.8763 7.72575 16.5555 7.23461 15.1936 7.27505H10.4727V24.7238H16.0372C17.4884 24.7756 18.898 24.2532 19.936 23.2787C20.9739 22.3042 21.549 20.9633 21.5266 19.5701C21.5446 18.2523 21.0215 16.9807 20.0705 16.0299ZM15.1936 9.3099C17.1091 9.3099 18.0539 10.5713 18.1405 11.8216C18.2068 13.1109 17.2481 14.2402 15.9188 14.4386H12.5934V9.3099H15.1936ZM12.5934 22.6889H16.0286H16.0372C18.3717 22.6889 19.4147 21.0727 19.4147 19.5701C19.4147 18.1341 18.4526 16.4707 15.731 16.4707H12.5934V22.6889Z" fill="white"></path></svg><span class="ml-2 font-bold uppercase text-sm heading-letter-spacing">Expert Take:</span></div><div class="text-gray-700 mt-2 wysiwyg"><p>Citizens Bank has several discounts that can reduce your interest rate, including a loyalty discount and an automatic payment discount. These discounts can knock 0.5 percent off your APR, saving you even more money over the long term.</p></div></div><div class="mt-4 md:grid md:grid-cols-2 md:gap-6" id="seeDetailsContent_:R2m4m:"><div><div class="RateCard__seeDetails"><span class="font-bold text-gray-900">Known qualification requirements</span><div class="text-gray-700 wysiwyg"><ul><li>Borrowers must be U.S. citizens, permanent residents or resident aliens</li><li>Borrowers with an associate degree or no degree must have made at least 12 qualifying payments after leaving school, </li><li>Borrowers with a bachelor's degree may refinance while still enrolled in school</li><li>Medical residents looking to refinance must have graduated from medical school and be matched to an eligible residency or fellowship program</li></ul></div></div><div class="RateCard__seeDetails"><span class="font-bold text-gray-900">Fees</span><ul class="text-gray-700"><li>Late fee</li><li>Returned payment fee</li></ul></div></div><div><div class="text-crop-none text-gray-700 RateCard__pros"><h4 class="font-bold text-base pb-3 mb-4 border-b border-gray-400">Pros</h4><ul data-testid="pros-section"><li>Graduation not required to apply</li><li>Loyalty discount for existing Citizens Bank customers</li><li>Five repayment term options</li></ul></div><div class="text-crop-none text-gray-700 RateCard__cons"><h4 class="font-bold text-base pb-3 mb-4 border-b border-gray-400">Cons</h4><ul data-testid="cons-section"><li>$10,000 minimum refinancing requirement</li><li>Comparatively high rate caps</li><li>Co-signer release period of 36 months</li></ul><div class="mb-8 sm:mb-4"><a class="Link Link--standalone font-bold" href="https://www.bankrate.com/loans/student-loans/reviews/citizens-bank/#what-customers-think" target="_blank" rel="noreferrer">See customer reviews<span class="Icon Icon--xs mb-2 ml-2"><svg viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em"><title>Arrow Right</title><path d="M20 12l-6.114 6-1.528-1.5 3.362-3.3H3v-2.4h12.72l-3.362-3.3L13.886 6 20 12z" class="arrow-right_svg__icon-base"></path></svg></span></a></div></div></div></div><div><button type="button" class="Accordion-titleContainer mt-2 p-0 bg-white hover:bg-white" aria-expanded="false"><span class="font-bold text-gray-900 mr-2">See disclosures</span><span class="Accordion-icon Icon Icon--xs text-blue-600"><svg class="Icon-glyph" focusable="false" width="18px" height="18px" viewBox="-1 -2 8 8" version="1.1" aria-hidden="true"><g stroke="none" stroke-width="1" fill="" fill-rule="evenodd"><g transform="translate(-134.000000, -43.000000)" fill=""><polygon points="134.707107 43 134 43.6965437 137.353553 47 140.707107 43.6965437 140 43 137.358734 45.6018093"></polygon></g></g></svg></span></button></div><div class="Accordion-content p-0 block bg-white hidden" aria-hidden="false" data-toggle="content"><div class="text-gray-700 text-xs wysiwyg mt-2" id="seeDisclosuresContent_seeDetailsContent_:R2m4m:"><p>Variable Rate Disclosure: Variable interest rates are based on the 30-day average Secured Overnight Financing Rate (“SOFR”) index, as published by the Federal Reserve Bank of New York. As of February 1, 2025, the 30-day average SOFR index is 4.34%. Variable interest rates will fluctuate over the term of the loan with changes in the SOFR index, and will vary based on applicable terms, level of degree and presence of a co-signer. The maximum variable interest rate is the greater of 21.00% or the prime rate plus 9.00%.</p><p>Fixed Rate Disclosure: Fixed rate ranges are based on applicable terms, level of degree, and presence of a co-signer. </p><p>Lowest Rate Disclosure: Lowest rates are only available for the most creditworthy applicants, require a 5-year repayment term, interest-only repayment and include our Loyalty and Automatic Payment discounts of 0.25 percentage points each, as outlined in the Loyalty Discount and Automatic Payment Discount disclosures. Rates are subject to additional terms and conditions, and are subject to change at any time without notice. Such changes will only apply to applications taken after the effective date of change. </p><p><br></p></div></div></div></div></div></article></div></div></div><div class="mb-4"><div class="RateCard-layout grid grid-cols-12 w-full"><div class="RateCard-item"><article class="RateCard border border-gray-400 rounded text-base"><div class="flex flex-col md:flex-row md:items-center text-center"><div class="card-flag px-4 self-stretch bg-blue-700"><p class="type-heading-five uppercase m-0 py-3 text-white">STUDENT LOAN</p></div><div class="card-flag bg-blue-100 px-4"><h2 class="type-heading-six uppercase text-blue-900 m-0 py-2">EDvestinU: Best for co-signer release</h2></div></div><div class="px-4 sm:py-3"><div class="flex flex-col md:justify-between md:flex-row gap-4 md:items-center RateCard__topContainerv2"><div class="RateCard__firstColumn flex items-center md:items-start justify-between md:flex-col md:justify-start mt-4 md:mt-0 mr-3 md:mr-0"><div class="RateCard__LenderLogo pb-1"><img src="https://www.bankrate.com/static/loans/logos/edvestinu.png?optimize=medium&format=pjpg&auto=webp" alt="EDvestinU" loading="lazy" height="60" style="max-width:100%;max-height:max-content;height:auto"/></div><div class="flex flex-col relative"><div class="flex items-center justify-center"><div class="RatingStars mr-1" role="marquee" aria-label="3.9 star rating"><div class="RatingStars-iconMask" style="width:78%"><ul class="RatingStars-iconContainer"><li class="RatingStars-icon Icon Icon--xs fill-blue-600 text-blue-600"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-blue-600 text-blue-600"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-blue-600 text-blue-600"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-blue-600 text-blue-600"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-blue-600 text-blue-600"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li></ul></div><ul class="RatingStars-iconContainer mb-1"><li class="RatingStars-icon Icon Icon--xs fill-gray-400 text-gray-400"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-gray-400 text-gray-400"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-gray-400 text-gray-400"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-gray-400 text-gray-400"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-gray-400 text-gray-400"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li></ul></div><div class="text-base font-bold mr-2 text-gray-900">3.9</div></div><div class="text-sm text-gray-900 text-center"><a class="Link Link--standalone" href="https://www.bankrate.com/loans/student-loans/reviews/edvestinu/" target="_blank" rel="noreferrer">Bankrate Review</a></div><div class="tooltip-wrapper inline-block ml-1 cursor-pointer mt-1 absolute"><div class="Tooltip" data-test="undefined"><button class="Tooltip-trigger Button Button--bare" type="button" aria-expanded="false"><span class="Icon Icon--xs fill-blue-600 text-blue-600"><svg viewBox="0 0 16 16" fill="currentColor" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" class="Icon-glyph"><path fill-rule="evenodd" clip-rule="evenodd" d="M8 16A8 8 0 108 0a8 8 0 000 16zm0-1A7 7 0 118 1a7 7 0 010 14zM7 5.012a1 1 0 112 0A.994.994 0 018 6c-.549 0-1-.451-1-.988zM7 12V7h2v5H7z" class="info_svg__icon-base"></path></svg></span><span class="sr-only">Hover to learn more about our Bankrate scores.</span></button><div class="Tooltip-content Tooltip-content--anchorLeft hidden" id="scoreTooltip_:R1mcm:" role="tooltip" aria-hidden="true"><div class="Tooltip-body font-medium"><div class="Tooltip-arrow"></div><p class="text-xs"><span class="font-bold">Bankrate Score = 3.9/5</span><br/>Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.</p></div></div></div></div></div></div><div class=" RateCard__headerDataContainer flex-2 "><div class="flex flex-col w-full md:grid md:grid-cols-3 md:justify-between md:gap-5"><div><div class=" flex justify-between w-full mb-2 border-t pt-2 border-gray-400 md:flex-col md:border-t-0 md:border-r md:mx-4 md:p-0 md:h-full md:justify-start"><span class="flex"><div class="text-gray-900 ml-0 text-sm md:text-base">Fixed APR from</div><div class="ml-1"><div class="Tooltip" data-test="undefined"><button class="Tooltip-trigger Button Button--bare" type="button" aria-expanded="false"><span class="Icon Icon--xs fill-blue-600 text-blue-600"><svg viewBox="0 0 16 16" fill="currentColor" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" class="Icon-glyph"><path fill-rule="evenodd" clip-rule="evenodd" d="M8 16A8 8 0 108 0a8 8 0 000 16zm0-1A7 7 0 118 1a7 7 0 010 14zM7 5.012a1 1 0 112 0A.994.994 0 018 6c-.549 0-1-.451-1-.988zM7 12V7h2v5H7z" class="info_svg__icon-base"></path></svg></span><span class="sr-only">Hover to learn more.</span></button><div class="Tooltip-content Tooltip-content--anchorLeft hidden" id="aprTooltip_:R1mcm:" role="tooltip" aria-hidden="true"><div class="Tooltip-body font-medium"><div class="Tooltip-arrow"></div><p class="text-xs">An annual percentage rate (APR) represents the interest and fees you'll pay on top of your initial amount every month. A fixed rate will not change during your repayment period.</p></div></div></div></div></span><div class="flex-col relative"><div class="font-bold text-gray-900 font-bold text-base md:text-3xl">6.00- 9.74<span class="Numeral-accent ">%</span></div></div></div></div><div class=" "><span class="text-gray-700 font-sans md:text-base"><div class="flex justify-between w-full mb-2 md:flex-col md:border-t-0 md:border-r border-gray-400 border-t pt-2 md:mx-4 md:p-0 md:h-full md:justify-start"><div class="text-gray-900 ml-0 text-sm md:text-base md:pl-2">Loan term</div><div class="font-bold text-gray-900 font-bold text-base md:text-3xl md:pl-2">5-20 yrs</div></div></span></div><div class="md:w-48"><div class="flex justify-between w-full mb-2 border-t pt-2 border-gray-400 md:flex-col md:border-t-0 md:mx-4 md:p-0 md:h-full md:justify-start border-b md:border-b-0 "><div class="flex"><div class="text-gray-900 ml-0 text-sm md:text-base md:pl-2 mb-4 md:mb-0">Loan amount</div><div class="ml-1"><div class="Tooltip" data-test="undefined"><button class="Tooltip-trigger Button Button--bare" type="button" aria-expanded="false"><span class="Icon Icon--xs fill-blue-600 text-blue-600"><svg viewBox="0 0 16 16" fill="currentColor" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" class="Icon-glyph"><path fill-rule="evenodd" clip-rule="evenodd" d="M8 16A8 8 0 108 0a8 8 0 000 16zm0-1A7 7 0 118 1a7 7 0 010 14zM7 5.012a1 1 0 112 0A.994.994 0 018 6c-.549 0-1-.451-1-.988zM7 12V7h2v5H7z" class="info_svg__icon-base"></path></svg></span><span class="sr-only">Hover to learn more.</span></button><div class="Tooltip-content Tooltip-content--anchorLeft hidden" id="aprTooltip_:R1mcm:" role="tooltip" aria-hidden="true"><div class="Tooltip-body font-medium"><div class="Tooltip-arrow"></div><p class="text-xs">The range of loan amounts that a lender will service. The maximum value is the largest amount a lender will give although this amount may not be available to borrowers who don’t have good or excellent credit. Amount ranges may vary for non-loan products. Term refers to the amount of time you have to repay the loan.</p></div></div></div></div></div><div class="font-bold text-gray-900 font-bold text-base md:text-3xl lowercase md:pl-2">$7.5k- $200K<span class="Numeral-accent"></span></div></div></div></div></div><div class="text-center sm:pt-8"><div></div><div><a href="" target="_blank" class="Button Button--primary RateTableButton Button Button--primary w-full md:w-60 mb-2" rel="noopener nofollow">See offers<svg viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" class="Button-icon Icon Icon--xs ml-2"><title>Arrow Right</title><path d="M20 12l-6.114 6-1.528-1.5 3.362-3.3H3v-2.4h12.72l-3.362-3.3L13.886 6 20 12z" class="arrow-right_svg__icon-base"></path></svg></a><p class="text-sm text-gray-700 mb-0">Check rate with Credible</p></div></div></div><div class="pb-3 pt-2 sm:pb-0"><div class="flex justify-between"><div><div class="Tooltip" data-test="VerifiedLenderTooltip"><button class="Tooltip-trigger Button Button--bare" type="button" aria-expanded="false"><span class="Icon Icon--xs fill-blue-600 text-blue-600"><svg class="Icon-glyph" viewBox="0 0 16 16" fill="currentColor" focusable="false"><path fill-rule="evenodd" clip-rule="evenodd" d="M4.686 0 8 .785 11.313 0l1.789 2.898L16 4.686 15.215 8 16 11.314l-2.898 1.789L11.313 16l-3.229-.784L4.686 16l-1.789-2.897L0 11.314.784 8 0 4.686l2.897-1.788L4.686 0Zm5.731 2.165-1.98.467L8 2.736l-.437-.104-1.981-.467-1.069 1.731-.236.382-.382.236-1.732 1.068.469 1.981.103.437-.103.438-.469 1.981 1.732 1.068.382.236.236.382 1.073 1.738 2.071-.478.437-.1.438.106 1.89.459 1.064-1.725.236-.382.382-.236 1.732-1.068-.468-1.981L13.264 8l.104-.437.468-1.981-1.732-1.068-.382-.236-.236-.382-1.069-1.731ZM5.736 6.713l1.423 1.423 3.104-3.105 1.415 1.415-4.525 4.524-1.414-1.415.005-.005-1.422-1.423 1.414-1.414Z" class="icon-base" fill="currentColor"></path><title>Badge</title></svg></span><span class="sr-only">Hover to learn more about our Bankrate scores.</span><span class="text-sm border-b border-dotted border-blue-600 text-gray-700 ml-1 font-normal font-sans">Verified lender</span></button><div class="Tooltip-content Tooltip-content--anchorLeft hidden" id="scoreTooltip_:R2mcm:" role="tooltip" aria-hidden="true"><div class="Tooltip-body font-medium"><div class="Tooltip-arrow"></div><p class="text-xs">This lender is registered in states where it does business and was vetted by the Bankrate Editorial team.</p></div></div></div></div><div><button type="button" class="Accordion-titleContainer p-0 bg-white hover:bg-white" aria-expanded="false"><h3 class="Accordion-title font-bold flex-none mr-2 my-0 text-base text-gray-900 hover:text-gray-900">See details</h3><span class="Accordion-icon Icon Icon--xs text-blue-600"><svg class="Icon-glyph" focusable="false" width="18px" height="18px" viewBox="-1 -2 8 8" version="1.1" aria-hidden="true"><g stroke="none" stroke-width="1" fill="" fill-rule="evenodd"><g transform="translate(-134.000000, -43.000000)" fill=""><polygon points="134.707107 43 134 43.6965437 137.353553 47 140.707107 43.6965437 140 43 137.358734 45.6018093"></polygon></g></g></svg></span></button></div></div><div class="Accordion-content p-0 mt-4 block pt-3 pb-0 md:pb-0 bg-white hidden" aria-hidden="false" data-toggle="content"><div class="bg-gray-100 py-4 px-5"><div class="flex items-center"><svg class="icon__glyph " xmlns="http://www.w3.org/2000/svg" width="32" height="32" viewBox="0 0 32 32" fill="none"><rect width="32" height="32" rx="4" fill="#0157FF"></rect><path fill-rule="evenodd" clip-rule="evenodd" d="M20.0705 16.0299C19.7404 15.7036 19.364 15.4236 18.9524 15.1982C19.0949 15.0614 19.2272 14.915 19.3482 14.7602C20.0268 13.8733 20.3526 12.7829 20.267 11.6857C20.196 10.5387 19.6941 9.45526 18.8542 8.63624C17.8763 7.72575 16.5555 7.23461 15.1936 7.27505H10.4727V24.7238H16.0372C17.4884 24.7756 18.898 24.2532 19.936 23.2787C20.9739 22.3042 21.549 20.9633 21.5266 19.5701C21.5446 18.2523 21.0215 16.9807 20.0705 16.0299ZM15.1936 9.3099C17.1091 9.3099 18.0539 10.5713 18.1405 11.8216C18.2068 13.1109 17.2481 14.2402 15.9188 14.4386H12.5934V9.3099H15.1936ZM12.5934 22.6889H16.0286H16.0372C18.3717 22.6889 19.4147 21.0727 19.4147 19.5701C19.4147 18.1341 18.4526 16.4707 15.731 16.4707H12.5934V22.6889Z" fill="white"></path></svg><span class="ml-2 font-bold uppercase text-sm heading-letter-spacing">Expert Take:</span></div><div class="text-gray-700 mt-2 wysiwyg"><p>EdvestinU is a private student loan lender that is a fitting choice for students who live in or attend school in New Hampshire, as you can receive up to a 1.5 percent discount.</p></div></div><div class="mt-4 md:grid md:grid-cols-2 md:gap-6" id="seeDetailsContent_:R2mcm:"><div><div class="RateCard__seeDetails"><span class="font-bold text-gray-900">Known qualification requirements</span><div class="text-gray-700 wysiwyg"><ul><li>Be either a U.S. citizen or permanent resident who resides in an eligible state</li><li>Be at least 18 years old</li><li>Have qualifying federal or private student loans used to attend a Title IV institution</li><li>Have an individual income of $30,000 for loans of less than $100,000</li><li>Have a minimum individual income of $50,000 for anything above $100,000</li></ul></div></div><div class="RateCard__seeDetails"><span class="font-bold text-gray-900">Fees</span><ul class="text-gray-700"><li>Late payment fee of 5% of the scheduled payment</li></ul></div></div><div><div class="text-crop-none text-gray-700 RateCard__pros"><h4 class="font-bold text-base pb-3 mb-4 border-b border-gray-400">Pros</h4><ul data-testid="pros-section"><li>International students may be able to qualify</li><li>Discounts available for New Hampshire students and residents</li><li>Philanthropic driven mission</li></ul></div><div class="text-crop-none text-gray-700 RateCard__cons"><h4 class="font-bold text-base pb-3 mb-4 border-b border-gray-400">Cons</h4><ul data-testid="cons-section"><li>Complicated co-signer release requirements</li><li>Limited loan amount</li><li>Restrictive income requirements</li></ul></div></div></div><div><button type="button" class="Accordion-titleContainer mt-2 p-0 bg-white hover:bg-white" aria-expanded="false"><span class="font-bold text-gray-900 mr-2">See disclosures</span><span class="Accordion-icon Icon Icon--xs text-blue-600"><svg class="Icon-glyph" focusable="false" width="18px" height="18px" viewBox="-1 -2 8 8" version="1.1" aria-hidden="true"><g stroke="none" stroke-width="1" fill="" fill-rule="evenodd"><g transform="translate(-134.000000, -43.000000)" fill=""><polygon points="134.707107 43 134 43.6965437 137.353553 47 140.707107 43.6965437 140 43 137.358734 45.6018093"></polygon></g></g></svg></span></button></div><div class="Accordion-content p-0 block bg-white hidden" aria-hidden="false" data-toggle="content"><div class="text-gray-700 text-xs wysiwyg mt-2" id="seeDisclosuresContent_seeDetailsContent_:R2mcm:"><p>EdvestinU Refinance Loan</p><p>Granite Edvance and EdvestinU student loan products may be funded by Bank of Lake Mills, member FDIC, or Granite Edvance Corporation (NMLS ID# 1527348 www.nmlsconsumeraccess.org). Granite Edvance and EdvestinU are brand names of products offered by Granite Edvance Corporation.</p><p>APR or "annual percentage rate" is a calculation of what the loan will cost, taking into consideration interest, fees and length of loan. Accordingly, the APR is subject to increase or decrease due to factors such as changes in the interest rate of variable rate loans, changes in principal due to the capitalization of interest or presence of a cosigner.</p><p>Variable APR rates may increase or decrease depending on fluctuations in the 30-day Average SOFR index. Monthly interest rate accrual is based on the published 30-day Average SOFR Index as of the second to last business day of the previous month plus your applicable margin. If the 30-day Average SOFR Index is negative, it will be deemed to be equal to zero.</p><p>Lowest rate requires application with a cosigner and 0.25 percentage point interest rate reduction for automatic debit. Once the repayment period commences, the borrower may enroll in automatic debit. APR’s provided include a 0.25 percent interest rate reduction for authorizing our loan servicer to automatically debit your payments each month from your bank account.</p><p>Granite Edvance In-School Loan Products</p><p>Granite Edvance and EdvestinU student loan products are offered by Granite Edvance Corporation. NMLS ID#1527348</p><p>The Granite Edvance Student Loan requires the borrower to be a resident of NH or a resident of an eligible state attending college in New Hampshire.</p><p>APR or "annual percentage rate" is a calculation of what the loan will cost, taking into consideration interest, fees and length of loan. Accordingly, the APR is subject to increase or decrease due to factors such as changes in the interest rate of variable rate loans, changes in principle due to the capitalization of interest or presence of a cosigner.</p><p>Variable APR rates may increase or decrease depending on fluctuations in the 30-day Average SOFR index. Monthly interest rate accrual is based on the published 30-day Average SOFR Index as of the second to last business day of the previous month plus your applicable margin. If the 30-day Average SOFR Index is negative, it will be deemed to be equal to zero.</p><p>Lowest rate requires application with a cosigner and 0.25 percentage point interest rate reduction for automatic debit. Private Loans that are in a deferment (including borrowers who elect deferred repayment), grace period, or forbearance are not eligible to enroll and receive the automatic debit benefit until they enter into repayment. Once the repayment period commences, the borrower may enroll in automatic debit. Borrowers electing to enroll in interest-only or immediate repayment are eligible to enroll in automatic debit once the initial disbursement on the loan has been made.</p><p>APR’s provided include a 0.25 percent interest rate reduction for authorizing our loan servicer to automatically debit your payments each month from your bank account.</p><p>Loans are funded by Granite Edvance Corporation NMLS ID# 1527348 www.nmlsconsumeraccess.org. Granite Edvance and EdvestinU® are brand names of Granite Edvance Corporation.</p></div></div></div></div></div></article></div></div></div><div class="mb-4"><div class="RateCard-layout grid grid-cols-12 w-full"><div class="RateCard-item"><article class="RateCard border border-gray-400 rounded text-base"><div class="flex flex-col md:flex-row md:items-center text-center"><div class="card-flag px-4 self-stretch bg-blue-700"><p class="type-heading-five uppercase m-0 py-3 text-white">STUDENT LOAN</p></div><div class="card-flag bg-blue-100 px-4"><h2 class="type-heading-six uppercase text-blue-900 m-0 py-2">Mefa: Best for using a co-borrower</h2></div></div><div class="px-4 sm:py-3"><div class="flex flex-col md:justify-between md:flex-row gap-4 md:items-center RateCard__topContainerv2"><div class="RateCard__firstColumn flex items-center md:items-start justify-between md:flex-col md:justify-start mt-4 md:mt-0 mr-3 md:mr-0"><div class="RateCard__LenderLogo pb-1"><img src="https://www.bankrate.com/static/loans/logos/MEFA Logo.png?optimize=medium&format=pjpg&auto=webp" alt="mefa" loading="lazy" height="60" style="max-width:100%;max-height:max-content;height:auto"/></div></div><div class=" RateCard__headerDataContainer flex-2 "><div class="flex flex-col w-full md:grid md:grid-cols-3 md:justify-between md:gap-5"><div><div class=" flex justify-between w-full mb-2 border-t pt-2 border-gray-400 md:flex-col md:border-t-0 md:border-r md:mx-4 md:p-0 md:h-full md:justify-start"><span class="flex"><div class="text-gray-900 ml-0 text-sm md:text-base">Fixed APR from</div><div class="ml-1"><div class="Tooltip" data-test="undefined"><button class="Tooltip-trigger Button Button--bare" type="button" aria-expanded="false"><span class="Icon Icon--xs fill-blue-600 text-blue-600"><svg viewBox="0 0 16 16" fill="currentColor" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" class="Icon-glyph"><path fill-rule="evenodd" clip-rule="evenodd" d="M8 16A8 8 0 108 0a8 8 0 000 16zm0-1A7 7 0 118 1a7 7 0 010 14zM7 5.012a1 1 0 112 0A.994.994 0 018 6c-.549 0-1-.451-1-.988zM7 12V7h2v5H7z" class="info_svg__icon-base"></path></svg></span><span class="sr-only">Hover to learn more.</span></button><div class="Tooltip-content Tooltip-content--anchorLeft hidden" id="aprTooltip_:R1mkm:" role="tooltip" aria-hidden="true"><div class="Tooltip-body font-medium"><div class="Tooltip-arrow"></div><p class="text-xs">An annual percentage rate (APR) represents the interest and fees you'll pay on top of your initial amount every month. A fixed rate will not change during your repayment period.</p></div></div></div></div></span><div class="flex-col relative"><div class="font-bold text-gray-900 font-bold text-base md:text-3xl">6.20- 8.99<span class="Numeral-accent ">%</span></div></div></div></div><div class=" "><span class="text-gray-700 font-sans md:text-base"><div class="flex justify-between w-full mb-2 md:flex-col md:border-t-0 md:border-r border-gray-400 border-t pt-2 md:mx-4 md:p-0 md:h-full md:justify-start"><div class="text-gray-900 ml-0 text-sm md:text-base md:pl-2">Loan term</div><div class="font-bold text-gray-900 font-bold text-base md:text-3xl md:pl-2">7-15 yrs</div></div></span></div><div class="md:w-48"><div class="flex justify-between w-full mb-2 border-t pt-2 border-gray-400 md:flex-col md:border-t-0 md:mx-4 md:p-0 md:h-full md:justify-start border-b md:border-b-0 "><div class="flex"><div class="text-gray-900 ml-0 text-sm md:text-base md:pl-2 mb-4 md:mb-0">Loan amount</div><div class="ml-1"><div class="Tooltip" data-test="undefined"><button class="Tooltip-trigger Button Button--bare" type="button" aria-expanded="false"><span class="Icon Icon--xs fill-blue-600 text-blue-600"><svg viewBox="0 0 16 16" fill="currentColor" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" class="Icon-glyph"><path fill-rule="evenodd" clip-rule="evenodd" d="M8 16A8 8 0 108 0a8 8 0 000 16zm0-1A7 7 0 118 1a7 7 0 010 14zM7 5.012a1 1 0 112 0A.994.994 0 018 6c-.549 0-1-.451-1-.988zM7 12V7h2v5H7z" class="info_svg__icon-base"></path></svg></span><span class="sr-only">Hover to learn more.</span></button><div class="Tooltip-content Tooltip-content--anchorLeft hidden" id="aprTooltip_:R1mkm:" role="tooltip" aria-hidden="true"><div class="Tooltip-body font-medium"><div class="Tooltip-arrow"></div><p class="text-xs">The range of loan amounts that a lender will service. The maximum value is the largest amount a lender will give although this amount may not be available to borrowers who don’t have good or excellent credit. Amount ranges may vary for non-loan products. Term refers to the amount of time you have to repay the loan.</p></div></div></div></div></div><div class="font-bold text-gray-900 font-bold text-base md:text-3xl lowercase md:pl-2">From $10,000<span class="Numeral-accent"></span></div></div></div></div></div><div class="text-center sm:pt-8"><div></div><div><a href="" target="_blank" class="Button Button--primary RateTableButton Button Button--primary w-full md:w-60 mb-2" rel="noopener nofollow">See offers<svg viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" class="Button-icon Icon Icon--xs ml-2"><title>Arrow Right</title><path d="M20 12l-6.114 6-1.528-1.5 3.362-3.3H3v-2.4h12.72l-3.362-3.3L13.886 6 20 12z" class="arrow-right_svg__icon-base"></path></svg></a><p class="text-sm text-gray-700 mb-0">Check rate with Credible</p></div></div></div><div class="pb-3 pt-2 sm:pb-0"><div class="flex justify-between"><div><div class="Tooltip" data-test="VerifiedLenderTooltip"><button class="Tooltip-trigger Button Button--bare" type="button" aria-expanded="false"><span class="Icon Icon--xs fill-blue-600 text-blue-600"><svg class="Icon-glyph" viewBox="0 0 16 16" fill="currentColor" focusable="false"><path fill-rule="evenodd" clip-rule="evenodd" d="M4.686 0 8 .785 11.313 0l1.789 2.898L16 4.686 15.215 8 16 11.314l-2.898 1.789L11.313 16l-3.229-.784L4.686 16l-1.789-2.897L0 11.314.784 8 0 4.686l2.897-1.788L4.686 0Zm5.731 2.165-1.98.467L8 2.736l-.437-.104-1.981-.467-1.069 1.731-.236.382-.382.236-1.732 1.068.469 1.981.103.437-.103.438-.469 1.981 1.732 1.068.382.236.236.382 1.073 1.738 2.071-.478.437-.1.438.106 1.89.459 1.064-1.725.236-.382.382-.236 1.732-1.068-.468-1.981L13.264 8l.104-.437.468-1.981-1.732-1.068-.382-.236-.236-.382-1.069-1.731ZM5.736 6.713l1.423 1.423 3.104-3.105 1.415 1.415-4.525 4.524-1.414-1.415.005-.005-1.422-1.423 1.414-1.414Z" class="icon-base" fill="currentColor"></path><title>Badge</title></svg></span><span class="sr-only">Hover to learn more about our Bankrate scores.</span><span class="text-sm border-b border-dotted border-blue-600 text-gray-700 ml-1 font-normal font-sans">Verified lender</span></button><div class="Tooltip-content Tooltip-content--anchorLeft hidden" id="scoreTooltip_:R2mkm:" role="tooltip" aria-hidden="true"><div class="Tooltip-body font-medium"><div class="Tooltip-arrow"></div><p class="text-xs">This lender is registered in states where it does business and was vetted by the Bankrate Editorial team.</p></div></div></div></div><div><button type="button" class="Accordion-titleContainer p-0 bg-white hover:bg-white" aria-expanded="false"><h3 class="Accordion-title font-bold flex-none mr-2 my-0 text-base text-gray-900 hover:text-gray-900">See details</h3><span class="Accordion-icon Icon Icon--xs text-blue-600"><svg class="Icon-glyph" focusable="false" width="18px" height="18px" viewBox="-1 -2 8 8" version="1.1" aria-hidden="true"><g stroke="none" stroke-width="1" fill="" fill-rule="evenodd"><g transform="translate(-134.000000, -43.000000)" fill=""><polygon points="134.707107 43 134 43.6965437 137.353553 47 140.707107 43.6965437 140 43 137.358734 45.6018093"></polygon></g></g></svg></span></button></div></div><div class="Accordion-content p-0 mt-4 block pt-3 pb-0 md:pb-0 bg-white hidden" aria-hidden="false" data-toggle="content"><div class="bg-gray-100 py-4 px-5"><div class="flex items-center"><svg class="icon__glyph " xmlns="http://www.w3.org/2000/svg" width="32" height="32" viewBox="0 0 32 32" fill="none"><rect width="32" height="32" rx="4" fill="#0157FF"></rect><path fill-rule="evenodd" clip-rule="evenodd" d="M20.0705 16.0299C19.7404 15.7036 19.364 15.4236 18.9524 15.1982C19.0949 15.0614 19.2272 14.915 19.3482 14.7602C20.0268 13.8733 20.3526 12.7829 20.267 11.6857C20.196 10.5387 19.6941 9.45526 18.8542 8.63624C17.8763 7.72575 16.5555 7.23461 15.1936 7.27505H10.4727V24.7238H16.0372C17.4884 24.7756 18.898 24.2532 19.936 23.2787C20.9739 22.3042 21.549 20.9633 21.5266 19.5701C21.5446 18.2523 21.0215 16.9807 20.0705 16.0299ZM15.1936 9.3099C17.1091 9.3099 18.0539 10.5713 18.1405 11.8216C18.2068 13.1109 17.2481 14.2402 15.9188 14.4386H12.5934V9.3099H15.1936ZM12.5934 22.6889H16.0286H16.0372C18.3717 22.6889 19.4147 21.0727 19.4147 19.5701C19.4147 18.1341 18.4526 16.4707 15.731 16.4707H12.5934V22.6889Z" fill="white"></path></svg><span class="ml-2 font-bold uppercase text-sm heading-letter-spacing">Expert Take:</span></div><div class="text-gray-700 mt-2 wysiwyg"><p>The Massachusetts Educational Financial Authority, or MEFA has been in business since 1982 and is a good option for students refinancing before getting their degree. </p></div></div><div class="mt-4 md:grid md:grid-cols-2 md:gap-6" id="seeDetailsContent_:R2mkm:"><div><div class="RateCard__seeDetails"><span class="font-bold text-gray-900">Known qualification requirements</span><div class="text-gray-700 wysiwyg"><ul><li>Must be a U.S. citizen or permanent resident</li><li>Have an established credit history or a co-borrower with one</li><li>Have no history of bankruptcy or foreclosure in the past 60 months</li><li>Have no history of default on an education loan and no delinquencies on education debt in the past 12 months</li><li>Loans must have been used at an eligible nonprofit degree-granting institution</li></ul></div></div><div class="RateCard__seeDetails"><span class="font-bold text-gray-900">Fees</span><ul class="text-gray-700"><li>None</li></ul></div></div><div><div class="text-crop-none text-gray-700 RateCard__pros"><h4 class="font-bold text-base pb-3 mb-4 border-b border-gray-400">Pros</h4><ul data-testid="pros-section"><li>No fees</li><li>Quick approval timeline</li><li>Low minimum interest rate</li></ul></div><div class="text-crop-none text-gray-700 RateCard__cons"><h4 class="font-bold text-base pb-3 mb-4 border-b border-gray-400">Cons</h4><ul data-testid="cons-section"><li>Limited repayment terms available</li><li>Undefined credit qualification requirements</li><li>Unspecified university requirements</li></ul></div></div></div><div><button type="button" class="Accordion-titleContainer mt-2 p-0 bg-white hover:bg-white" aria-expanded="false"><span class="font-bold text-gray-900 mr-2">See disclosures</span><span class="Accordion-icon Icon Icon--xs text-blue-600"><svg class="Icon-glyph" focusable="false" width="18px" height="18px" viewBox="-1 -2 8 8" version="1.1" aria-hidden="true"><g stroke="none" stroke-width="1" fill="" fill-rule="evenodd"><g transform="translate(-134.000000, -43.000000)" fill=""><polygon points="134.707107 43 134 43.6965437 137.353553 47 140.707107 43.6965437 140 43 137.358734 45.6018093"></polygon></g></g></svg></span></button></div><div class="Accordion-content p-0 block bg-white hidden" aria-hidden="false" data-toggle="content"><div class="text-gray-700 text-xs wysiwyg mt-2" id="seeDisclosuresContent_seeDetailsContent_:R2mkm:"><p>MEFA Student Loan Disclosure</p><p>These rates are expressed as APR. The Fixed interest rate will not change during the term. To be eligible for a MEFA Undergraduate Loan, the student must:</p><ul><li>Be enrolled at least half time in an accredited degree-granting undergraduate program at an eligible non-profit college or university in the United States. If the student is currently enrolled for the current academic year, a student may:</li><li>Borrow a MEFA Loan for the summer session</li><li>Borrow a MEFA Loan to cover a past due balance within the current academic year</li><li>Maintain satisfactory academic progress as defined by the college or university</li><li>All borrowers must be citizens or permanent residents of the United States.</li></ul><p>MEFA’s private student loans are subject to credit qualification, completion of a loan agreement, self-certification form, school certification of cost of attendance minus estimated financial aid, and student’s enrollment at a MEFA’s participating school.</p><p>For Student Deferred Repayment with Co-borrower release option, the co-borrower, non-student may request for a release after 48 consecutive on-time monthly installments and must meet certain credit and eligibility requirements when applying for the release. For the purpose of the co-borrower release application, on-time payments are defined as payments received within 15 days of the due date. Co-borrower must complete an application for release and provide income verification documents as part of the review. Credit and eligibility requirements are subject to change.</p></div></div></div></div></div></article></div></div></div><div class="mb-4"><div class="RateCard-layout grid grid-cols-12 w-full"><div class="RateCard-item"><article class="RateCard border border-gray-400 rounded text-base"><div class="flex items-center relative w-full bg-blue-900 awards-badge-height pl-6"><div class="absolute" style="top:0"><svg width="56" height="60" viewBox="0 0 56 60" fill="none" xmlns="http://www.w3.org/2000/svg"><path d="M1 35.033L1 35.0311L1 1.47855C1 1.2839 1.19376 1 1.59431 1L54.4057 1C54.8062 1 55 1.2839 55 1.47855L55 35.1237C54.9476 48.7528 43.0048 59 28 59C12.9948 59 1.05191 48.7523 1.00018 35.1226C1.00017 35.1223 1.00017 35.122 1.00017 35.1217L1 35.033Z" fill="url(#paint0_linear_3145_6713)" stroke="url(#paint1_linear_3145_6713)" stroke-width="2"></path><path d="M21.9208 40.4258C21.9404 40.4272 20.9557 41.6645 21.4978 43.0982C21.7947 43.8627 22.5112 44.4909 23.1268 44.87C22.1309 44.456 21.1819 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style="max-width:100%;max-height:max-content;height:auto"/></div><div class="flex flex-col relative"><div class="flex items-center justify-center"><div class="RatingStars mr-1" role="marquee" aria-label="4.5 star rating"><div class="RatingStars-iconMask" style="width:90%"><ul class="RatingStars-iconContainer"><li class="RatingStars-icon Icon Icon--xs fill-blue-600 text-blue-600"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-blue-600 text-blue-600"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-blue-600 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text-gray-400"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-gray-400 text-gray-400"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-gray-400 text-gray-400"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-gray-400 text-gray-400"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-gray-400 text-gray-400"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li></ul></div><div class="text-base font-bold mr-2 text-gray-900">4.5</div></div><div class="text-sm text-gray-900 text-center"><a class="Link Link--standalone" href="https://www.bankrate.com/loans/student-loans/reviews/college-ave/" target="_blank" rel="noreferrer">Bankrate Review</a></div><div class="tooltip-wrapper inline-block ml-1 cursor-pointer mt-1 absolute"><div class="Tooltip" data-test="undefined"><button class="Tooltip-trigger Button Button--bare" type="button" aria-expanded="false"><span class="Icon Icon--xs fill-blue-600 text-blue-600"><svg viewBox="0 0 16 16" fill="currentColor" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" class="Icon-glyph"><path fill-rule="evenodd" clip-rule="evenodd" d="M8 16A8 8 0 108 0a8 8 0 000 16zm0-1A7 7 0 118 1a7 7 0 010 14zM7 5.012a1 1 0 112 0A.994.994 0 018 6c-.549 0-1-.451-1-.988zM7 12V7h2v5H7z" class="info_svg__icon-base"></path></svg></span><span class="sr-only">Hover to learn more about our Bankrate scores.</span></button><div class="Tooltip-content Tooltip-content--anchorLeft hidden" id="scoreTooltip_:R1msm:" role="tooltip" aria-hidden="true"><div class="Tooltip-body font-medium"><div class="Tooltip-arrow"></div><p class="text-xs"><span class="font-bold">Bankrate Score = 4.5/5</span><br/>Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.</p></div></div></div></div></div></div><div class=" RateCard__headerDataContainer flex-2 "><div class="flex flex-col w-full md:grid md:grid-cols-3 md:justify-between md:gap-5"><div><div class=" flex justify-between w-full mb-2 border-t pt-2 border-gray-400 md:flex-col md:border-t-0 md:border-r md:mx-4 md:p-0 md:h-full md:justify-start"><span class="flex"><div class="text-gray-900 ml-0 text-sm md:text-base">Fixed APR from</div><div class="ml-1"><div class="Tooltip" data-test="undefined"><button class="Tooltip-trigger Button Button--bare" type="button" aria-expanded="false"><span class="Icon Icon--xs fill-blue-600 text-blue-600"><svg viewBox="0 0 16 16" fill="currentColor" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" class="Icon-glyph"><path fill-rule="evenodd" clip-rule="evenodd" d="M8 16A8 8 0 108 0a8 8 0 000 16zm0-1A7 7 0 118 1a7 7 0 010 14zM7 5.012a1 1 0 112 0A.994.994 0 018 6c-.549 0-1-.451-1-.988zM7 12V7h2v5H7z" class="info_svg__icon-base"></path></svg></span><span class="sr-only">Hover to learn more.</span></button><div class="Tooltip-content Tooltip-content--anchorLeft hidden" id="aprTooltip_:R1msm:" role="tooltip" aria-hidden="true"><div class="Tooltip-body font-medium"><div class="Tooltip-arrow"></div><p class="text-xs">An annual percentage rate (APR) represents the interest and fees you'll pay on top of your initial amount every month. A fixed rate will not change during your repayment period.</p></div></div></div></div></span><div class="flex-col relative"><div class="font-bold text-gray-900 font-bold text-base md:text-3xl">6.99- 13.99<span class="Numeral-accent ">%</span></div></div></div></div><div class=" "><span class="text-gray-700 font-sans md:text-base"><div class="flex justify-between w-full mb-2 md:flex-col md:border-t-0 md:border-r border-gray-400 border-t pt-2 md:mx-4 md:p-0 md:h-full md:justify-start"><div class="text-gray-900 ml-0 text-sm md:text-base md:pl-2">Loan term</div><div class="font-bold text-gray-900 font-bold text-base md:text-3xl md:pl-2">5-20 yrs</div></div></span></div><div class="md:w-48"><div class="flex justify-between w-full mb-2 border-t pt-2 border-gray-400 md:flex-col md:border-t-0 md:mx-4 md:p-0 md:h-full md:justify-start border-b md:border-b-0 "><div class="flex"><div class="text-gray-900 ml-0 text-sm md:text-base md:pl-2 mb-4 md:mb-0">Loan amount</div><div class="ml-1"><div class="Tooltip" data-test="undefined"><button class="Tooltip-trigger Button Button--bare" type="button" aria-expanded="false"><span class="Icon Icon--xs fill-blue-600 text-blue-600"><svg viewBox="0 0 16 16" fill="currentColor" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" class="Icon-glyph"><path fill-rule="evenodd" clip-rule="evenodd" d="M8 16A8 8 0 108 0a8 8 0 000 16zm0-1A7 7 0 118 1a7 7 0 010 14zM7 5.012a1 1 0 112 0A.994.994 0 018 6c-.549 0-1-.451-1-.988zM7 12V7h2v5H7z" class="info_svg__icon-base"></path></svg></span><span class="sr-only">Hover to learn more.</span></button><div class="Tooltip-content Tooltip-content--anchorLeft hidden" id="aprTooltip_:R1msm:" role="tooltip" aria-hidden="true"><div class="Tooltip-body font-medium"><div class="Tooltip-arrow"></div><p class="text-xs">The range of loan amounts that a lender will service. The maximum value is the largest amount a lender will give although this amount may not be available to borrowers who don’t have good or excellent credit. Amount ranges may vary for non-loan products. Term refers to the amount of time you have to repay the loan.</p></div></div></div></div></div><div class="font-bold text-gray-900 font-bold text-base md:text-3xl lowercase md:pl-2">$5k- $300K<span class="Numeral-accent"></span></div></div></div></div></div><div class="text-center sm:pt-8"><div></div><div><a href="" target="_blank" class="Button Button--primary RateTableButton Button Button--primary w-full md:w-60 mb-2" rel="noopener nofollow">Read our review<svg viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" class="Button-icon Icon Icon--xs ml-2"><title>Arrow Right</title><path d="M20 12l-6.114 6-1.528-1.5 3.362-3.3H3v-2.4h12.72l-3.362-3.3L13.886 6 20 12z" class="arrow-right_svg__icon-base"></path></svg></a><p class="text-sm text-gray-700 mb-0">on Bankrate</p></div></div></div><div class="pb-3 pt-2 sm:pb-0"><div class="flex justify-between"><div><div class="Tooltip" data-test="VerifiedLenderTooltip"><button class="Tooltip-trigger Button Button--bare" type="button" aria-expanded="false"><span class="Icon Icon--xs fill-blue-600 text-blue-600"><svg class="Icon-glyph" viewBox="0 0 16 16" fill="currentColor" focusable="false"><path fill-rule="evenodd" clip-rule="evenodd" d="M4.686 0 8 .785 11.313 0l1.789 2.898L16 4.686 15.215 8 16 11.314l-2.898 1.789L11.313 16l-3.229-.784L4.686 16l-1.789-2.897L0 11.314.784 8 0 4.686l2.897-1.788L4.686 0Zm5.731 2.165-1.98.467L8 2.736l-.437-.104-1.981-.467-1.069 1.731-.236.382-.382.236-1.732 1.068.469 1.981.103.437-.103.438-.469 1.981 1.732 1.068.382.236.236.382 1.073 1.738 2.071-.478.437-.1.438.106 1.89.459 1.064-1.725.236-.382.382-.236 1.732-1.068-.468-1.981L13.264 8l.104-.437.468-1.981-1.732-1.068-.382-.236-.236-.382-1.069-1.731ZM5.736 6.713l1.423 1.423 3.104-3.105 1.415 1.415-4.525 4.524-1.414-1.415.005-.005-1.422-1.423 1.414-1.414Z" class="icon-base" fill="currentColor"></path><title>Badge</title></svg></span><span class="sr-only">Hover to learn more about our Bankrate scores.</span><span class="text-sm border-b border-dotted border-blue-600 text-gray-700 ml-1 font-normal font-sans">Verified lender</span></button><div class="Tooltip-content Tooltip-content--anchorLeft hidden" id="scoreTooltip_:R2msm:" role="tooltip" aria-hidden="true"><div class="Tooltip-body font-medium"><div class="Tooltip-arrow"></div><p class="text-xs">This lender is registered in states where it does business and was vetted by the Bankrate Editorial team.</p></div></div></div></div><div><button type="button" class="Accordion-titleContainer p-0 bg-white hover:bg-white" aria-expanded="false"><h3 class="Accordion-title font-bold flex-none mr-2 my-0 text-base text-gray-900 hover:text-gray-900">See details</h3><span class="Accordion-icon Icon Icon--xs text-blue-600"><svg class="Icon-glyph" focusable="false" width="18px" height="18px" viewBox="-1 -2 8 8" version="1.1" aria-hidden="true"><g stroke="none" stroke-width="1" fill="" fill-rule="evenodd"><g transform="translate(-134.000000, -43.000000)" fill=""><polygon points="134.707107 43 134 43.6965437 137.353553 47 140.707107 43.6965437 140 43 137.358734 45.6018093"></polygon></g></g></svg></span></button></div></div><div class="Accordion-content p-0 mt-4 block pt-3 pb-0 md:pb-0 bg-white hidden" aria-hidden="false" data-toggle="content"><div class="bg-gray-100 py-4 px-5"><div class="flex items-center"><svg class="icon__glyph " xmlns="http://www.w3.org/2000/svg" width="32" height="32" viewBox="0 0 32 32" fill="none"><rect width="32" height="32" rx="4" fill="#0157FF"></rect><path fill-rule="evenodd" clip-rule="evenodd" d="M20.0705 16.0299C19.7404 15.7036 19.364 15.4236 18.9524 15.1982C19.0949 15.0614 19.2272 14.915 19.3482 14.7602C20.0268 13.8733 20.3526 12.7829 20.267 11.6857C20.196 10.5387 19.6941 9.45526 18.8542 8.63624C17.8763 7.72575 16.5555 7.23461 15.1936 7.27505H10.4727V24.7238H16.0372C17.4884 24.7756 18.898 24.2532 19.936 23.2787C20.9739 22.3042 21.549 20.9633 21.5266 19.5701C21.5446 18.2523 21.0215 16.9807 20.0705 16.0299ZM15.1936 9.3099C17.1091 9.3099 18.0539 10.5713 18.1405 11.8216C18.2068 13.1109 17.2481 14.2402 15.9188 14.4386H12.5934V9.3099H15.1936ZM12.5934 22.6889H16.0286H16.0372C18.3717 22.6889 19.4147 21.0727 19.4147 19.5701C19.4147 18.1341 18.4526 16.4707 15.731 16.4707H12.5934V22.6889Z" fill="white"></path></svg><span class="ml-2 font-bold uppercase text-sm heading-letter-spacing">Expert Take:</span></div><div class="text-gray-700 mt-2 wysiwyg"><p>College Ave has a large range of terms which makes it a suitable option for borrowers looking to extend their repayment schedule.</p></div></div><div class="mt-4 md:grid md:grid-cols-2 md:gap-6" id="seeDetailsContent_:R2msm:"><div><div class="RateCard__seeDetails"><span class="font-bold text-gray-900">Known qualification requirements</span><div class="text-gray-700 wysiwyg"><ul><li>Be U.S. citizens or permanent residents </li><li>Be at least 18 years old</li><li>Have graduated from a Title IV undergraduate or graduate program within College Ave's network</li></ul></div></div><div class="RateCard__seeDetails"><span class="font-bold text-gray-900">Fees</span><ul class="text-gray-700"><li>Late fee</li></ul></div></div><div><div class="text-crop-none text-gray-700 RateCard__pros"><h4 class="font-bold text-base pb-3 mb-4 border-b border-gray-400">Pros</h4><ul data-testid="pros-section"><li>Co-signer release</li><li>Fast prequalification</li><li>No origination fee</li></ul></div><div class="text-crop-none text-gray-700 RateCard__cons"><h4 class="font-bold text-base pb-3 mb-4 border-b border-gray-400">Cons</h4><ul data-testid="cons-section"><li>No co-signer option</li><li>Borrowers must have graduated</li><li>Comparatively high starting rates</li></ul><div class="mb-8 sm:mb-4"><a class="Link Link--standalone font-bold" href="https://www.bankrate.com/loans/student-loans/reviews/college-ave/#what-customers-think" target="_blank" rel="noreferrer">See customer reviews<span class="Icon Icon--xs mb-2 ml-2"><svg viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em"><title>Arrow Right</title><path d="M20 12l-6.114 6-1.528-1.5 3.362-3.3H3v-2.4h12.72l-3.362-3.3L13.886 6 20 12z" class="arrow-right_svg__icon-base"></path></svg></span></a></div></div></div></div><div><button type="button" class="Accordion-titleContainer mt-2 p-0 bg-white hover:bg-white" aria-expanded="false"><span class="font-bold text-gray-900 mr-2">See disclosures</span><span class="Accordion-icon Icon Icon--xs text-blue-600"><svg class="Icon-glyph" focusable="false" width="18px" height="18px" viewBox="-1 -2 8 8" version="1.1" aria-hidden="true"><g stroke="none" stroke-width="1" fill="" fill-rule="evenodd"><g transform="translate(-134.000000, -43.000000)" fill=""><polygon points="134.707107 43 134 43.6965437 137.353553 47 140.707107 43.6965437 140 43 137.358734 45.6018093"></polygon></g></g></svg></span></button></div><div class="Accordion-content p-0 block bg-white hidden" aria-hidden="false" data-toggle="content"><div class="text-gray-700 text-xs wysiwyg mt-2" id="seeDisclosuresContent_seeDetailsContent_:R2msm:"><p>College Ave Student Loans products are made available through Firstrust Bank, member FDIC, First Citizens Community Bank, member FDIC, or M.Y. Safra Bank, FSB, member FDIC. All loans are subject to individual approval and adherence to underwriting guidelines. Program restrictions, other terms, and conditions apply.</p><p><br></p><p>(1)All rates include the auto-pay discount. The 0.25% auto-pay interest rate reduction applies as long as a valid bank account is designated for required monthly payments. If a payment is returned, you will lose this benefit. Variable rates may increase after consummation.</p><p><br></p><p>(2)As certified by your school and less any other financial aid you might receive. Minimum $1,000.</p><p><br></p><p>(3)This informational repayment example uses typical loan terms for a freshman borrower who selects the Flat Repayment Option with an 8-year repayment term, has a $10,000 loan that is disbursed in one disbursement and a 7.78% fixed Annual Percentage Rate (“APR”): 54 monthly payments of $25 while in school, followed by 96 monthly payments of $176.21 while in the repayment period, for a total amount of payments of $18,266.38. Loans will never have a full principal and interest monthly payment of less than $50. Your actual rates and repayment terms may vary.</p><p><br></p><p>Information advertised valid as of 2/03/2024. Variable interest rates may increase after consummation. Approved interest rate will depend on creditworthiness of the applicant(s), lowest advertised rates only available to the most creditworthy applicants and require selection of the Flat Repayment Option with the shortest available loan term.</p></div></div></div></div></div></article></div></div></div></div></div></div></div></main></div></div><script id="__NEXT_DATA__" type="application/json">{"props":{"pageProps":{"initValues":{"zip":"90210","loanAmount":80000,"creditScore":750,"annualIncome":50000,"loanPurpose":"student_refi","source":"bankrate","degrees":1,"page":"","sortBy":"rank"},"initialRates":[{"amount":{"min":7500,"max":250000},"apr":{"fixed":{"min":3.99,"max":8.99}},"business":{"personalGuarantee":false},"destination":{"lenderUrl":"https://www.credible.com/refinance/prequal/signup?utm_source=bankrate\u0026utm_medium=referral\u0026utm_campaign=insert_campaign\u0026utm_content=","subtext":"Check rate with Credible","trackingParameter":"Not_Required"},"editorial":{"cons":["Steep income requirements","Minimal repayment terms","High minimum amount"],"consumerInfo":"\u003cp\u003eundefined\u003c/p\u003e","feeTypes":["None"],"pros":["No fees","Income-based repayment option","Borrower protection programs"],"superlative":"RISLA: Best for financial benefits and resources","expertTake":"\u003cp\u003eThe Rhode Island Student Loan Authority (RISLA) is a private student loan company that serves students nationwide. 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The rates and terms disclosed above are available while funds last. New funds may be subject to different rates and/or terms.\u0026nbsp;\u003c/p\u003e"},{"amount":{"min":5000,"max":500000},"apr":{"fixed":{"min":3.94,"max":9.99},"subtext":"with AutoPay","variable":{"min":5.88,"max":9.99}},"business":{"personalGuarantee":false},"destination":{"lenderUrl":"https://www.credible.com/refinance/prequal/signup?utm_source=bankrate\u0026utm_medium=referral\u0026utm_campaign=insert_campaign\u0026utm_content=","subtext":"on Bankrate","trackingParameter":"utm_content"},"editorial":{"cons":["Credit score of at least 665 required","Not available in Nevada","No co-signer option"],"consumerInfo":"\u003cp\u003eundefined\u003c/p\u003e","feeTypes":["Florida stamp tax of 0.35%"],"pros":["No origination fees","Refinance as early as your final semester","Choose biweekly or monthly payments"],"superlative":"Earnest: Best for flexible repayment options ","expertTake":"\u003cp\u003eEarnest lets you pick a payment that fits with your budget, meaning it will tinker with the length of your loan until you land on a monthly payment you can afford.\u003c/p\u003e","howToQualify":"\u003cul\u003e\u003cli\u003eBe a U.S. citizen or permanent resident of an eligible state\u003c/li\u003e\u003cli\u003eBe at least the age of majority\u003c/li\u003e\u003cli\u003eBe graduated or currently enrolled less than half time and be in repayment on your student loans or be completing your degree at the end of the semester\u003c/li\u003e\u003cli\u003eHave consistent income\u003c/li\u003e\u003cli\u003eHave all student loan accounts in good standing\u003c/li\u003e\u003cli\u003eBe current on rent or mortgage payments\u0026nbsp;\u003c/li\u003e\u003cli\u003eHave no bankruptcies on your credit report\u003c/li\u003e\u003cli\u003eMinimum credit score of 665\u003c/li\u003e\u003c/ul\u003e"},"id":54,"income":{"min":35000},"lender":{"logo":"https://www.bankrate.com/static/loans/logos/Earnest.png","name":"Earnest","offerSource":"generic","review":{"details":"\u003cp\u003e\u003cstrong\u003eOverview:\u003c/strong\u003e Earnest is an online lender that funds private student loans to undergraduate and graduate students and offers unique repayment options. 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Unlike other lenders, we will never pass you off to third-party servicers","No fees for origination, prepayment, or loan disbursement","Two-minute rate check with no obligation at www.earnest.com"],"minimumCreditRequired":{"personal":665},"loanPurpose":"student_refi","monetized":false,"productType":"rate","rank":2,"term":{"min":60,"max":240},"termsAndConditions":"\u003cp\u003eActual rate and available repayment terms will vary based on your income. Fixed rates range from 3.72% APR to 16.74% APR (excludes 0.25% Auto Pay discount). Variable rates range from 5.24% APR to 17.10% APR (excludes 0.25% Auto Pay discount). Earnest variable interest rate student loan origination 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 25th day, or the next business day, of the preceding calendar month, rounded to the nearest hundredth of a percent. The rate will not increase more than once per month. Although the rate will vary after you are approved, it will never exceed 36% (the maximum allowable for this loan). Please note, Earnest Private Student Loans are not available in Nevada. Our lowest rates are only available for our most credit qualified borrowers and contain our .25% auto pay discount from a checking or savings account. 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Period","Flexible repayment options to help you find the right loan for you","0.25% discount when you set up autopay*","0.125% discount for returning borrowers and families with multiple children in college"],"minimumCreditRequired":{"personal":640},"loanPurpose":"student_refi","monetized":true,"productType":"rate","rank":3,"term":{"min":60,"max":240},"termsAndConditions":"\u003cp\u003e\u003cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\"\u003e* Interest Rates: Eligibility and Important Details. Fixed rates range from 3.54% APR to 15.99% APR with 0.25% autopay discount. Variable rates range from 4.64%APR to 15.99% APR with a 0.25% autopay discount. Unless required to be lower to comply with applicable law, Variable Interest rates are capped at 17.95%. SoFi rate ranges are current as of 1/7/2025and are subject to change at any time. Your actual rate will be within the range of rates listed above and will depend on the term and type of repayment option you select, evaluation of your creditworthiness, income, presence of a co-signer (if applicable) and a variety of other factors. Lowest rates reserved for the most creditworthy borrowers. Check out our eligibility criteria at https://www.sofi.com/eligibility-criteria/. For the SoFi variable-rate product, the variable interest rate for a given month is derived by adding a margin to the 30-day average SOFR index, published two business days preceding such calendar month, rounded up to the nearest one hundredth of one percent (0.01% or 0.0001). APRs for variable-rate loans may increase after origination if the SOFR index increases. The SoFi 0.25% autopay interest rate reduction requires you to agree to make monthly principal and interest payments by an automatic monthly deduction from a savings or checking account. This benefit will discontinue and be lost for periods in which you do not pay by automatic deduction from a savings or checking account. The benefit lowers your interest rate but does not change the amount of your monthly payment. This benefit is suspended during periods of deferment and forbearance. Autopay is not required to receive a loan from SoFi. SoFi Private Student loans are originated by SoFi Bank, N.A. Member FDIC. NMLS #696891 (www.nmlsconsumeraccess.org).\u003c/span\u003e\u003c/p\u003e"},{"amount":{"min":10000,"max":500000,"override":"Starting at $10,000"},"apr":{"fixed":{"min":4.88,"max":8.44},"variable":{"min":4.86,"max":8.24}},"business":{"personalGuarantee":false},"destination":{"lenderUrl":"https://www.credible.com/refinance/prequal/signup?utm_source=bankrate\u0026utm_medium=referral\u0026utm_campaign=insert_campaign\u0026utm_content=","subtext":"Check rate with Credible","trackingParameter":"utm_content"},"editorial":{"cons":["Only available for certain schools","Co-signer release not allowed ","Strict acceptance requirements"],"consumerInfo":"\u003cp\u003eundefined\u003c/p\u003e","feeTypes":["Late payment fee","Returned payment fee"],"pros":["Minimal fees","Personalized customer support","No co-signer required for qualified borrowers"],"superlative":"ELFI: Best for good credit","expertTake":"\u003cp\u003eRefinancing with ELFI is best for borrowers looking to refinance a large loan amount. 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It will be based upon your credit history, the loan term you select, and other factors. If approved, we will notify you of the rate you qualify for.\u003c/p\u003e\u003cp\u003eYour Interest Rate during the life of a loan: Fixed-Rate Loans\u003c/p\u003e\u003cp\u003eYour rate is fixed and will depend on the loan term that you select. This means that your interest rate will never change during the life of your loan.\u003c/p\u003e\u003cp\u003eYour Interest Rate during the life of the loan: Variable-Rate Loans*\u003c/p\u003e\u003cp\u003eYour rate is variable. This means that your rate could move lower or higher than the rates on your disclosure. Although the interest rate will vary after you are approved, the interest rate will never exceed 18% for the 5-year, 7-year, 10-year, or 15-year term. Your loan amount will not exceed the cost of attendance less financial aid as certified by your school. For variable rate loans applied for after 7:00 PM EST on January 7, 2022, the variable interest rate will be based on a publicly available index, the Prime Rate of Interest as published in the Money Market Section of the Wall Street Journal. These variable rates will be calculated and set each month by adding a margin between -2.50% to 5.72% to the Prime Rate. If you have an existing variable rate loan that uses the London Interbank Offered Rate (LIBOR) as the benchmark rate index, your loan will continue to use the LIBOR as the benchmark rate index. These rates will be calculated by adding a margin between 1.05% to 11.39% to the 3-month LIBOR. Your rate will not increase more than once quarterly. ELFI will notify borrowers with existing variable rate loans originated prior to 7:00 PM EST on January 7, 2022, of the expected change from LIBOR to the Prime Rate in the future.\u003c/p\u003e\u003cul\u003e\u003cli\u003eLoan Fees \u0026amp; Example\u003c/li\u003e\u003cli\u003eApplication Fee: $0\u003c/li\u003e\u003cli\u003eOrigination Fee: 0%\u003c/li\u003e\u003cli\u003eLoan Guarantee Fee: 0%\u003c/li\u003e\u003cli\u003ePrepayment Fee: 0%\u003c/li\u003e\u003cli\u003eLate Charge: the lesser of 5% of the past due amount or $50\u003c/li\u003e\u003cli\u003eReturned Check or Insufficient Funds Charge: $30 For example, a 10-year loan with a fixed rate of 7% would have 120 payments of $11.61 per $1,000 borrowed. Rates are subject to change.\u003c/li\u003e\u003c/ul\u003e\u003cp\u003e\u003cbr\u003e\u003c/p\u003e\u003cp\u003eFederal Loan Alternatives and Disclosure Regarding Benefits\u003c/p\u003e\u003cp\u003eYou may qualify for federal education loans.\u0026nbsp;For additional information, contact your school’s financial aid office or the Department of Education at: www.studentloans.gov \u0026amp; studentaid.ed.gov/sa\u003c/p\u003e\u003cp\u003e\u003cbr\u003e\u003c/p\u003e\u003cp\u003eThink carefully before taking out a loan with ELFI.\u0026nbsp;You are encouraged to start with grants, scholarships, savings, and federal student loans before utilizing private student loans.\u0026nbsp;Federal student loans offer deferment and forbearance options that may not be available to you if you take out a loan with ELFI.\u003c/p\u003e\u003cp\u003e\u003cbr\u003e\u003c/p\u003e\u003cp\u003ePrivate education loans are not eligible to be included in a Federal Direct Consolidation Loan.\u003c/p\u003e\u003cp\u003e\u003cbr\u003e\u003c/p\u003e\u003cp\u003eSee https://studentaid.gov/understand-aid/types/loans/federal-vs-private for a description of the benefits and repayment options available to federal student loan borrowers.\u003c/p\u003e\u003cp\u003e\u003cbr\u003e\u003c/p\u003e\u003cp\u003eNext Steps\u003c/p\u003e\u003cp\u003e1. Find out about other options. The Federal Direct Consolidation Loan may have student loan benefits and terms not detailed on this form. Visit the Department of Education’s website at www.StudentLoans.gov for more information about other consolidation loans. 2. To apply for this loan, complete the application. If you are approved for this loan, the loan terms will be available for 30 days (terms will not change during this period, except as permitted by law).\u003c/p\u003e\u003cp\u003eReference Notes\u003c/p\u003e\u003cp\u003eInterest Rate: Your interest rate will depend on the loan term that you select. Interest rates are valid within the preceding 30 days.\u003c/p\u003e\u003cp\u003e\u003cbr\u003e\u003c/p\u003e\u003cp\u003eRepayment Options\u003c/p\u003e\u003cp\u003eImmediate: The borrower starts repaying the loan while still in school. The monthly payment will cover the monthly interest and some of the principal borrowed. This option will have the highest monthly payments while in school, but will save the borrower the most money throughout the life of the loan.\u003c/p\u003e\u003cp\u003e\u003cbr\u003e\u003c/p\u003e\u003cp\u003eFixed: The borrower pays a fixed monthly payment of $25.00 while in school and grace period. This amount will first be applied to interest, and any leftover will be applied to the principal. Any unpaid interest will be added to the principal balance of the loan upon the end of the borrowers grace period.\u003c/p\u003e\u003cp\u003e\u003cbr\u003e\u003c/p\u003e\u003cp\u003eInterest Only: The borrower makes monthly payments to cover the monthly interest while the borrower is in school and grace period. These payments will not include any payment toward the principal of the loan. The principal balance will remain unchanged unless the borrower pays extra.\u003c/p\u003e\u003cp\u003e\u003cbr\u003e\u003c/p\u003e\u003cp\u003eDeferred: The borrower makes no monthly payments while in school and grace period. The loan will accrue interest while the borrower is in school and grace period. Upon the end of the grace period, the accrued interest will be added to the principal amount of the loan. Depending on the repayment option you select, your loan may defer payment of principal and/or interest while you are enrolled at least half-time at a post-secondary educational institution. If your loan includes a deferment period, interest will accrue from the disbursement of the loan through the end of the deferment period. Any accrued but unpaid interest during that time will be added to the loan’s principal balance. The lender does not offer payment deferral options once your full payments of principal and interest begin. The lender may in its sole discretion agree to modify the loan or extend other repayment assistance to you on request.\u003c/p\u003e\u003cp\u003e\u003cbr\u003e\u003c/p\u003e\u003cp\u003eElectronic Payment Requirement\u003c/p\u003e\u003cp\u003eYou agree to make monthly principal and interest payments by means of an electronic monthly deduction or transfer from a savings or checking account.\u003c/p\u003e\u003cp\u003eBorrower Eligibility Criteria\u003c/p\u003e\u003cul\u003e\u003cli\u003eAll loans are subject to credit approval.\u003c/li\u003e\u003cli\u003eMust be a U.S. citizen or permanent resident alien without conditions and with proper evidence of eligibility.\u003c/li\u003e\u003cli\u003eMust be at the age of majority or older at the time of loan application.\u003c/li\u003e\u003cli\u003eMust reside in a state in which ELFI is authorized to lend.\u003c/li\u003e\u003cli\u003eA cosigner is not required but may help you qualify and/or receive a lower rate.\u003c/li\u003e\u003cli\u003eMust be an eligible student enrolled at least half-time at a post-secondary educational institution.\u003c/li\u003e\u003c/ul\u003e\u003cp\u003e\u003cbr\u003e\u003c/p\u003e\u003cp\u003eCo-Signers: Must be at the age of majority or older at the time of loan application.\u003c/p\u003e\u003cp\u003eBankruptcy Limitations\u003c/p\u003e\u003cp\u003e\u003cbr\u003e\u003c/p\u003e\u003cp\u003eIf you file for bankruptcy you may still be required to pay back this loan.\u003c/p\u003e\u003cp\u003eSOUTHEAST BANK RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS AND BENEFITS AT ANY TIME WITHOUT NOTICE.\u003c/p\u003e\u003cp\u003eThis website and all content is the exclusive property of SouthEast Bank and may not be reproduced without permission. All information contained on this website is subject to change without notice. SouthEast Bank is not responsible for typographical errors. More information about loan eligibility and repayment deferral or forbearance options is available in your loan application and loan agreement.\u003c/p\u003e"},{"amount":{"min":5000,"max":500000,"override":"$5,000-100% amount borrowed"},"apr":{"fixed":{"min":4.99,"max":8.9},"variable":{"min":5.29,"max":9.2}},"business":{"personalGuarantee":false},"destination":{"lenderUrl":"https://www.credible.com/refinance/prequal/signup?utm_source=bankrate\u0026utm_medium=referral\u0026utm_campaign=insert_campaign\u0026utm_content=","subtext":"on Bankrate","trackingParameter":"note"},"editorial":{"cons":["Strict eligibility requirements for associate degree applicants","Low maximum amount for associate degree applicants","Several fees"],"consumerInfo":"\u003cp\u003eundefined\u003c/p\u003e","feeTypes":["Late fee of 5% of the amount or $28, whichever is less","Nonsufficient funds fee of $20","Returned payment fee of $20"],"pros":["Quick prequalification process","Discount for opening a Laurel Road checking account","Refinance as early as your final semester"],"superlative":"Laurel Road: Bankrate 2025 Award Winner Best For Refinancing","expertTake":"\u003cp\u003eSome student loan lenders don't refinance associate degree debt, but borrowers earning an associate degree in dental hygiene, nursing, occupational therapy and more can refinance with Laurel Road as soon as their final term.\u003c/p\u003e","howToQualify":"\u003cul\u003e\u003cli\u003eBe a U.S. citizen or permanent resident or have a co-signer who is\u003c/li\u003e\u003cli\u003eHave graduated or be enrolled in good standing in the final term preceding graduation and be employed or have an offer of employment\u003c/li\u003e\u003c/ul\u003e"},"id":199,"income":{"min":0},"lender":{"logo":"https://www.bankrate.com/static/loans/logos/laurel road.png","name":"Laurel Road","offerSource":"generic","review":{"score":"4.6","url":"https://www.bankrate.com/loans/student-loans/reviews/laurel-road/"},"uuid":"2dea8eee-9216-4ad9-b293-0dcc86977f6e","vertical":"student"},"marketingDetails":["Personal loans are available up to $50","000 with no prepayment penalties","Money is deposited within 48 hours of accepting your final loan agreement","Getting prequalified to see your rate won’t impact your credit score","Rate and payment are fixed and will not change over the life of the loan"],"loanPurpose":"student_refi","monetized":false,"productType":"rate","rank":5,"term":{"min":60,"max":240}},{"amount":{"min":1000,"max":250000},"apr":{"fixed":{"min":5.99,"max":10.14},"variable":{"min":7.9,"max":11.79}},"business":{"personalGuarantee":false},"destination":{"lenderUrl":"https://www.credible.com/refinance/prequal/signup?utm_source=bankrate\u0026utm_medium=referral\u0026utm_campaign=insert_campaign\u0026utm_content=","subtext":"Check rate with Credible","trackingParameter":"utm_content"},"editorial":{"cons":["High credit requirement","Low maximum loan amount","Strict debt-to-income ratio requirement "],"consumerInfo":"\u003cp\u003eundefined\u003c/p\u003e","feeTypes":["Returned payment fee"],"pros":["No fees are enforced for loan application","Autopay discount","Deferment options "],"superlative":"INvested: Best for Indiana residents","expertTake":"\u003cp\u003eINvestEd is best for borrowers with strong credit, as the refinance requirements are more strict than similar lenders. However, you can refinance even if you have not earned your degree yet, which is a plus.\u003c/p\u003e","howToQualify":"\u003cul\u003e\u003cli\u003eBe either a U.S. citizen or permanent resident\u003c/li\u003e\u003cli\u003eMust be an Indiana resident\u003c/li\u003e\u003cli\u003eHave a FICO score of at least 670\u003c/li\u003e\u003cli\u003eHave an annual income of at least $36,000\u003c/li\u003e\u003cli\u003eNo delinquencies of 60 days or more during the previous 24 months\u003c/li\u003e\u003cli\u003eMonthly payments for approved credit must not exceed 40% to 50% of gross monthly income\u003c/li\u003e\u003cli\u003eNo repossessions, foreclosures or garnishments\u003c/li\u003e\u003cli\u003eNo reported bankruptcies within the past five years\u003c/li\u003e\u003cli\u003eThe loan must be a private or federal education loan, in repayment and current at the time of your refinance application\u003c/li\u003e\u003c/ul\u003e\u003cp\u003e\u003cbr\u003e\u003c/p\u003e"},"id":456,"income":{"min":1000},"lender":{"logo":"https://www.bankrate.com/static/loans/logos/invested.png","name":"Invested","offerSource":"generic","uuid":"a3e24043-3fda-4873-94f9-fad5181f2196","vertical":"student"},"minimumCreditRequired":{"personal":670},"loanPurpose":"student_refi","monetized":true,"productType":"rate","rank":6,"term":{"min":60,"max":240},"termsAndConditions":"\u003cp\u003eINvestEd Student Loan Disclosures\u003c/p\u003e\u003cp\u003e1These rates are expressed as APR.\u003c/p\u003e\u003cp\u003eRates shown are for eligible, creditworthy applicants and requires shortest length of repayment and our Automatic Payment discount of 0.25 percentage points. Automatic payments are not required. Annual percentage rates (APR) listed are based on borrowing $10,000 in a single disbursement.\u003c/p\u003e\u003cp\u003eThe Fixed rate will not change during the term.\u003c/p\u003e\u003cp\u003eThe variable rate is subject to increase after consummation. The maximum variable interest rate is 21.00%. The variable interest rate that is charged to the borrower is reset quarterly, may increase or decrease, and is based on an Index and Margin. That means that your rate could move lower or higher than the rates on this form. The variable rate is based upon the average of the three-month forward term version of the 90-day Secured Overnight Financing Rate (SOFR) published by a source approved by the Alternative Reference Rate Committee (ARRC).\u003c/p\u003e"},{"amount":{"min":5000,"max":250000,"override":"$5,000-100% of amount borrowed"},"apr":{"fixed":{"min":4.89,"max":9.04}},"business":{"personalGuarantee":false},"destination":{"lenderUrl":"https://www.credible.com/refinance/prequal/signup?utm_source=bankrate\u0026utm_medium=referral\u0026utm_campaign=insert_campaign\u0026utm_content=","subtext":"Check rate with Credible","trackingParameter":"utm_content"},"editorial":{"cons":["Loan details and fees depend on the lender you're matched with","Associate degree or higher required","Forbearance options vary by lender"],"consumerInfo":"\u003cp\u003eundefined\u003c/p\u003e","feeTypes":["Late fee","Insufficient funds fee"],"pros":["Repayment terms of 5 to 20 years","One application to compare multiple lenders","No origination fees"],"superlative":"Lendkey: Best for getting matched with a community lender ","expertTake":"\u003cp\u003eLendKey connects borrowers to loans from community banks. Even after borrowers are approved and loans are funded, LendKey will continue to service the loan through it being paid off, so there's no handoff to worry about.\u003c/p\u003e","howToQualify":"\u003cul\u003e\u003cli\u003eBe a U.S. citizen or permanent resident\u003c/li\u003e\u003cli\u003eHave graduated with at least an associate degree \u003c/li\u003e\u003c/ul\u003e\u003cp\u003e\u003cbr\u003e\u003c/p\u003e"},"id":55,"income":{"min":1000},"lender":{"logo":"https://www.bankrate.com/static/loans/logos/lendkey.png","name":"Lendkey","offerSource":"generic","review":{"details":"\u003cp\u003e\u003cstrong\u003eOverview:\u003c/strong\u003e LendKey, founded in 2009, is a digital marketplace that allows borrowers to compare multiple student loan offers at once. It matches anyone interested in refinancing student loans or paying for school with credit union and community bank lenders throughout the nation.\u003c/p\u003e\u003cp\u003e\u003cstrong\u003ePerks:\u003c/strong\u003e\u003c/p\u003e\u003cul\u003e\u003cli\u003eSimplified process.\u003c/li\u003e\u003cli\u003eCo-signing options.\u003c/li\u003e\u003cli\u003eNo fees.\u003c/li\u003e\u003c/ul\u003e\u003cp\u003e\u003cstrong\u003eWhat to watch out for:\u003c/strong\u003e\u003c/p\u003e\u003cul\u003e\u003cli\u003eLoan refinancing limitations.\u003c/li\u003e\u003cli\u003eAdditional requirements.\u003c/li\u003e\u003c/ul\u003e","score":"4.0","url":"https://www.bankrate.com/loans/student-loans/reviews/lendkey/"},"uuid":"cf05dd3d-56d3-4ed4-94e5-7428a0c94117","vertical":"student"},"minimumCreditRequired":{"personal":680},"loanPurpose":"student_refi","monetized":true,"productType":"rate","rank":7,"term":{"min":60,"max":240},"termsAndConditions":"\u003cp\u003eTerms and Conditions Apply\u003c/p\u003e\u003cp\u003eRates displayed are reserved for the most creditworthy consumers who enroll to make automatic monthly payments.\u0026nbsp;Your initial rate will be determined after a review of your application and credit profile, and it may be based on your credit score, level of degree earned, and the availability and credit score of a cosigner applicant.\u0026nbsp;Applying with a creditworthy cosigner may result in a better chance of loan approval and/or lower interest rate.\u0026nbsp;Variable rates may increase after consummation.\u0026nbsp;Refinancing via LendKey.com is only available for applicants with qualified private education loans from an eligible institution. Loans that were used for exam preparation classes, including, but not limited to, loans for LSAT, MCAT, GMAT, and GRE preparation, are not eligible for refinancing with a lender via LendKey.com. If you currently have any of these exam preparation loans, you should not include them in an application to refinance your student loans on this website. Applicants must be either U.S. citizens or Permanent Residents in an eligible state to qualify for a loan. Certain membership requirements (including the opening of a share account and any applicable association fees in connection with membership) may apply in the event that an applicant wishes to accept a loan offer from a credit union lender. If you are not a member of the credit union lender, you may apply and become a member during the loan application process if your meet the lender's eligibility criteria.\u0026nbsp;Lenders participating on LendKey.com reserve the right to modify or discontinue the products, terms, and benefits offered on this website at any time without notice. LendKey Technologies, Inc. is not affiliated with, nor does it endorse, any educational institution.\u003c/p\u003e\u003cp\u003eAutoPay Discount \u0026amp; Lowest Interest Rate\u003c/p\u003e\u003cp\u003eSubject to floor rate and may require the automatic payments be made from a checking or savings account with the lender. The rate reduction will be removed and the rate will be increased by 0.25% upon any cancellation or failed collection attempt of the automatic payment and will be suspended during any period of deferment or forbearance. As a result, during the forbearance or suspension period, and/or if the automatic payment is canceled, any increase will take the form of higher payments. The lowest advertised APR is only available for loan terms of 5 years and is reserved for the highest qualified applicants, taking into consideration the applicant’s credit and other factors.\u003c/p\u003e\u003cp\u003eAs of 06/13/2024 student loan refinancing rates range from 5.24% to 9.60% Fixed APR with AutoPay.\u003c/p\u003e"},{"amount":{"min":10000,"max":750000},"apr":{"fixed":{"min":5.89,"max":12.1},"variable":{"min":6.16,"max":13.08}},"business":{"personalGuarantee":false},"destination":{"lenderUrl":"https://www.credible.com/refinance/prequal/signup?utm_source=bankrate\u0026utm_medium=referral\u0026utm_campaign=insert_campaign\u0026utm_content=","subtext":"Check rate with Credible","trackingParameter":"utm_content"},"editorial":{"cons":["$10,000 minimum refinancing requirement","Comparatively high rate caps","Co-signer release period of 36 months"],"consumerInfo":"\u003cp\u003eundefined\u003c/p\u003e","feeTypes":["Late fee","Returned payment fee"],"pros":["Graduation not required to apply","Loyalty discount for existing Citizens Bank customers","Five repayment term options"],"superlative":"Citizens Bank: Bankrate 2025 Award Winner Best For Parents","expertTake":"\u003cp\u003eCitizens Bank has several discounts that can reduce your interest rate, including a loyalty discount and an automatic payment discount. These discounts can knock 0.5 percent off your APR, saving you even more money over the long term.\u003c/p\u003e","howToQualify":"\u003cul\u003e\u003cli\u003eBorrowers must be U.S. citizens, permanent residents or resident aliens\u003c/li\u003e\u003cli\u003eBorrowers with an associate degree or no degree must have made at least 12 qualifying payments after leaving school,\u0026nbsp;\u003c/li\u003e\u003cli\u003eBorrowers with a bachelor's degree may refinance while still enrolled in school\u003c/li\u003e\u003cli\u003eMedical residents looking to refinance must have graduated from medical school and be matched to an eligible residency or fellowship program\u003c/li\u003e\u003c/ul\u003e"},"id":458,"income":{"min":0},"lender":{"logo":"https://www.bankrate.com/static/loans/logos/Citizens Bank.png","name":"Citizens","offerSource":"generic","review":{"details":"\u003cp\u003e\u003cstrong\u003eOverview:\u003c/strong\u003e Citizens Bank offers private student loans to undergraduate students, graduate students and parents. Borrowers can get approved for multiple years of student loans; Citizens Bank will run a hard credit inquiry when you apply and will let you know if you qualify for the multiyear loan program. Once approved, you can request funds in subsequent years without supplying additional income documentation, so the process is faster, and Citizens will run only soft credit checks.\u003c/p\u003e\u003cp\u003e\u003cstrong\u003ePerks:\u003c/strong\u003e\u003c/p\u003e\u003cul\u003e\u003cli\u003eMultiyear loan option.\u003c/li\u003e\u003cli\u003e0.25 percent APR discount for eligible Citizens Bank accounts.\u003c/li\u003e\u003cli\u003eFunds may be used to pay for child care.\u003c/li\u003e\u003c/ul\u003e\u003cp\u003e\u003cstrong\u003eWhat to watch out for:\u003c/strong\u003e\u003c/p\u003e\u003cul\u003e\u003cli\u003eNot available in all 50 states.\u003c/li\u003e\u003cli\u003eNot available to students attending two-year colleges or career-training programs.\u003c/li\u003e\u003cli\u003eNo firm deferment or forbearance policies.\u003c/li\u003e\u003c/ul\u003e","score":"4.6","url":"https://www.bankrate.com/loans/student-loans/reviews/citizens-bank/"},"uuid":"ebf05d2a-92e7-48fe-bfb0-3c7c7ec47577","vertical":"student"},"loanPurpose":"student_refi","monetized":true,"productType":"rate","rank":8,"term":{"min":60,"max":240},"termsAndConditions":"\u003cp\u003eVariable Rate Disclosure: Variable interest rates are based on the 30-day average Secured Overnight Financing Rate (“SOFR”) index, as published by the Federal Reserve Bank of New York. As of February 1, 2025, the 30-day average SOFR index is 4.34%. Variable interest rates will fluctuate over the term of the loan with changes in the SOFR index, and will vary based on applicable terms, level of degree and presence of a co-signer. The maximum variable interest rate is the greater of 21.00% or the prime rate plus 9.00%.\u003c/p\u003e\u003cp\u003eFixed Rate Disclosure: Fixed rate ranges are based on applicable terms, level of degree, and presence of a co-signer.\u0026nbsp;\u003c/p\u003e\u003cp\u003eLowest Rate Disclosure: Lowest rates are only available for the most creditworthy applicants, require a 5-year repayment term, interest-only repayment and include our Loyalty and Automatic Payment discounts of 0.25 percentage points each, as outlined in the Loyalty Discount and Automatic Payment Discount disclosures. Rates are subject to additional terms and conditions, and are subject to change at any time without notice. Such changes will only apply to applications taken after the effective date of change.\u0026nbsp;\u003c/p\u003e\u003cp\u003e\u003cbr\u003e\u003c/p\u003e"},{"amount":{"min":7500,"max":200000},"apr":{"fixed":{"min":6,"max":9.74},"variable":{"min":7.05,"max":8.8}},"business":{"personalGuarantee":false},"destination":{"lenderUrl":"https://www.credible.com/refinance/prequal/signup?utm_source=bankrate\u0026utm_medium=referral\u0026utm_campaign=insert_campaign\u0026utm_content=","subtext":"Check rate with Credible","trackingParameter":"utm_content"},"editorial":{"cons":["Complicated co-signer release requirements","Limited loan amount","Restrictive income requirements"],"consumerInfo":"\u003cp\u003eundefined\u003c/p\u003e","feeTypes":["Late payment fee of 5% of the scheduled payment"],"pros":["International students may be able to qualify","Discounts available for New Hampshire students and residents","Philanthropic driven mission"],"superlative":"EDvestinU: Best for co-signer release","expertTake":"\u003cp\u003eEdvestinU is a private student loan lender that is a fitting choice for students who live in or attend school in New Hampshire, as you can receive up to a 1.5 percent discount.\u003c/p\u003e","howToQualify":"\u003cul\u003e\u003cli\u003eBe either a U.S. citizen or permanent resident who resides in an eligible state\u003c/li\u003e\u003cli\u003eBe at least 18 years old\u003c/li\u003e\u003cli\u003eHave qualifying federal or private student loans used to attend a Title IV institution\u003c/li\u003e\u003cli\u003eHave an individual income of $30,000 for loans of less than $100,000\u003c/li\u003e\u003cli\u003eHave a minimum individual income of $50,000 for anything above $100,000\u003c/li\u003e\u003c/ul\u003e"},"id":459,"income":{"min":1000},"lender":{"logo":"https://www.bankrate.com/static/loans/logos/edvestinu.png","name":"EDvestinU","offerSource":"generic","review":{"score":"3.9","url":"https://www.bankrate.com/loans/student-loans/reviews/edvestinu/"},"uuid":"a75691eb-2904-4992-b6e9-dc5bd6ed7637","vertical":"student"},"minimumCreditRequired":{"personal":700},"loanPurpose":"student_refi","monetized":true,"productType":"rate","rank":9,"term":{"min":60,"max":240},"termsAndConditions":"\u003cp\u003eEdvestinU Refinance Loan\u003c/p\u003e\u003cp\u003eGranite Edvance and EdvestinU student loan products may be funded by Bank of Lake Mills, member FDIC, or Granite Edvance Corporation (NMLS ID# 1527348 www.nmlsconsumeraccess.org). Granite Edvance and EdvestinU are brand names of products offered by Granite Edvance Corporation.\u003c/p\u003e\u003cp\u003eAPR or \"annual percentage rate\" is a calculation of what the loan will cost, taking into consideration interest, fees and length of loan. Accordingly, the APR is subject to increase or decrease due to factors such as changes in the interest rate of variable rate loans, changes in principal due to the capitalization of interest or presence of a cosigner.\u003c/p\u003e\u003cp\u003eVariable APR rates may increase or decrease depending on fluctuations in the 30-day Average SOFR index. Monthly interest rate accrual is based on the published 30-day Average SOFR Index as of the second to last business day of the previous month plus your applicable margin. If the 30-day Average SOFR Index is negative, it will be deemed to be equal to zero.\u003c/p\u003e\u003cp\u003eLowest rate requires application with a cosigner and 0.25 percentage point interest rate reduction for automatic debit. Once the repayment period commences, the borrower may enroll in automatic debit. APR’s provided include a 0.25 percent interest rate reduction for authorizing our loan servicer to automatically debit your payments each month from your bank account.\u003c/p\u003e\u003cp\u003eGranite Edvance In-School Loan Products\u003c/p\u003e\u003cp\u003eGranite Edvance and EdvestinU student loan products are offered by Granite Edvance Corporation. NMLS ID#1527348\u003c/p\u003e\u003cp\u003eThe Granite Edvance Student Loan requires the borrower to be a resident of NH or a resident of an eligible state attending college in New Hampshire.\u003c/p\u003e\u003cp\u003eAPR or \"annual percentage rate\" is a calculation of what the loan will cost, taking into consideration interest, fees and length of loan. Accordingly, the APR is subject to increase or decrease due to factors such as changes in the interest rate of variable rate loans, changes in principle due to the capitalization of interest or presence of a cosigner.\u003c/p\u003e\u003cp\u003eVariable APR rates may increase or decrease depending on fluctuations in the 30-day Average SOFR index. Monthly interest rate accrual is based on the published 30-day Average SOFR Index as of the second to last business day of the previous month plus your applicable margin. If the 30-day Average SOFR Index is negative, it will be deemed to be equal to zero.\u003c/p\u003e\u003cp\u003eLowest rate requires application with a cosigner and 0.25 percentage point interest rate reduction for automatic debit. Private Loans that are in a deferment (including borrowers who elect deferred repayment), grace period, or forbearance are not eligible to enroll and receive the automatic debit benefit until they enter into repayment. Once the repayment period commences, the borrower may enroll in automatic debit. Borrowers electing to enroll in interest-only or immediate repayment are eligible to enroll in automatic debit once the initial disbursement on the loan has been made.\u003c/p\u003e\u003cp\u003eAPR’s provided include a 0.25 percent interest rate reduction for authorizing our loan servicer to automatically debit your payments each month from your bank account.\u003c/p\u003e\u003cp\u003eLoans are funded by Granite Edvance Corporation NMLS ID# 1527348 www.nmlsconsumeraccess.org. Granite Edvance and EdvestinU® are brand names of Granite Edvance Corporation.\u003c/p\u003e"},{"amount":{"min":10000,"max":500000,"override":"From $10,000"},"apr":{"fixed":{"min":6.2,"max":8.99}},"business":{"personalGuarantee":false},"destination":{"lenderUrl":"https://www.credible.com/refinance/prequal/signup?utm_source=bankrate\u0026utm_medium=referral\u0026utm_campaign=insert_campaign\u0026utm_content=","subtext":"Check rate with Credible","trackingParameter":"utm_content"},"editorial":{"cons":["Limited repayment terms available","Undefined credit qualification requirements","Unspecified university requirements"],"consumerInfo":"\u003cp\u003eundefined\u003c/p\u003e","feeTypes":["None"],"pros":["No fees","Quick approval timeline","Low minimum interest rate"],"superlative":"Mefa: Best for using a co-borrower","expertTake":"\u003cp\u003eThe Massachusetts Educational Financial Authority, or MEFA has been in business since 1982 and is a good option for students refinancing before getting their degree. \u003c/p\u003e","howToQualify":"\u003cul\u003e\u003cli\u003eMust be a U.S. citizen or permanent resident\u003c/li\u003e\u003cli\u003eHave an established credit history or a co-borrower with one\u003c/li\u003e\u003cli\u003eHave no history of bankruptcy or foreclosure in the past 60 months\u003c/li\u003e\u003cli\u003eHave no history of default on an education loan and no delinquencies on education debt in the past 12 months\u003c/li\u003e\u003cli\u003eLoans must have been used at an eligible nonprofit degree-granting institution\u003c/li\u003e\u003c/ul\u003e"},"id":457,"income":{"min":1000},"lender":{"logo":"https://www.bankrate.com/static/loans/logos/MEFA Logo.png","name":"mefa","offerSource":"generic","uuid":"61369365-8786-4c50-8ea1-491673a5ac27","vertical":"student"},"minimumCreditRequired":{"personal":670},"loanPurpose":"student_refi","monetized":true,"productType":"rate","rank":10,"term":{"min":84,"max":180},"termsAndConditions":"\u003cp\u003eMEFA Student Loan Disclosure\u003c/p\u003e\u003cp\u003eThese rates are expressed as APR. The Fixed interest rate will not change during the term. To be eligible for a MEFA Undergraduate Loan, the student must:\u003c/p\u003e\u003cul\u003e\u003cli\u003eBe enrolled at least half time in an accredited degree-granting undergraduate program at an eligible non-profit college or university in the United States. If the student is currently enrolled for the current academic year, a student may:\u003c/li\u003e\u003cli\u003eBorrow a MEFA Loan for the summer session\u003c/li\u003e\u003cli\u003eBorrow a MEFA Loan to cover a past due balance within the current academic year\u003c/li\u003e\u003cli\u003eMaintain satisfactory academic progress as defined by the college or university\u003c/li\u003e\u003cli\u003eAll borrowers must be citizens or permanent residents of the United States.\u003c/li\u003e\u003c/ul\u003e\u003cp\u003eMEFA’s private student loans are subject to credit qualification, completion of a loan agreement, self-certification form, school certification of cost of attendance minus estimated financial aid, and student’s enrollment at a MEFA’s participating school.\u003c/p\u003e\u003cp\u003eFor Student Deferred Repayment with Co-borrower release option, the co-borrower, non-student may request for a release after 48 consecutive on-time monthly installments and must meet certain credit and eligibility requirements when applying for the release. For the purpose of the co-borrower release application, on-time payments are defined as payments received within 15 days of the due date. Co-borrower must complete an application for release and provide income verification documents as part of the review. Credit and eligibility requirements are subject to change.\u003c/p\u003e"},{"amount":{"min":5000,"max":300000},"apr":{"fixed":{"min":6.99,"max":13.99},"variable":{"min":6.99,"max":13.99}},"business":{"personalGuarantee":false},"destination":{"lenderUrl":"https://www.credible.com/refinance/prequal/signup?utm_source=bankrate\u0026utm_medium=referral\u0026utm_campaign=insert_campaign\u0026utm_content=","subtext":"on Bankrate","trackingParameter":"utm_content"},"editorial":{"cons":["No co-signer option","Borrowers must have graduated","Comparatively high starting rates"],"consumerInfo":"\u003cp\u003eundefined\u003c/p\u003e","feeTypes":["Late fee"],"pros":["Co-signer release","Fast prequalification","No origination fee"],"superlative":"College Ave: Bankrate 2025 Award Winner Best For Multiyear Approval","expertTake":"\u003cp\u003eCollege Ave has a large range of terms which makes it a suitable option for borrowers looking to extend their repayment schedule.\u003c/p\u003e","howToQualify":"\u003cul\u003e\u003cli\u003eBe U.S. citizens or permanent residents\u0026nbsp;\u003c/li\u003e\u003cli\u003eBe at least 18 years old\u003c/li\u003e\u003cli\u003eHave graduated from a Title IV undergraduate or graduate program within College Ave's network\u003c/li\u003e\u003c/ul\u003e"},"id":461,"income":{"min":0},"lender":{"logo":"https://www.bankrate.com/static/loans/logos/CA_Logo_120x40@2x.png","name":"College Ave","offerSource":"generic","review":{"details":"\u003cp\u003e\u003cstrong\u003eOverview:\u003c/strong\u003e College Ave is an online lender that offers private student loans to undergraduate students, graduate students, parents and students attending community college and career programs. The lender specializes in a simple application process with an instant decision, claiming that the application process takes three minutes. Borrowers can check their potential loan terms and whether they prequalify for a loan without impacting their credit.\u003c/p\u003e\u003cp\u003e\u003cstrong\u003ePerks:\u003c/strong\u003e\u003c/p\u003e\u003cul\u003e\u003cli\u003eThree-minute application process.\u003c/li\u003e\u003cli\u003eLoans available for community college and career programs.\u003c/li\u003e\u003cli\u003e$150 reward upon graduation.\u003c/li\u003e\u003c/ul\u003e\u003cp\u003e\u003cstrong\u003eWhat to watch out for:\u003c/strong\u003e\u003c/p\u003e\u003cul\u003e\u003cli\u003eLoan cap of $150,000 for most graduate school loans.\u003c/li\u003e\u003cli\u003eLimited eligibility information.\u003c/li\u003e\u003c/ul\u003e","score":"4.5","url":"https://www.bankrate.com/loans/student-loans/reviews/college-ave/"},"uuid":"49532aec-ea9f-474a-a3d6-011afbe9eb92","vertical":"student"},"loanPurpose":"student_refi","monetized":false,"productType":"rate","rank":11,"term":{"min":60,"max":240},"termsAndConditions":"\u003cp\u003eCollege Ave Student Loans products are made available through Firstrust Bank, member FDIC, First Citizens Community Bank, member FDIC, or M.Y. Safra Bank, FSB, member FDIC. All loans are subject to individual approval and adherence to underwriting guidelines. Program restrictions, other terms, and conditions apply.\u003c/p\u003e\u003cp\u003e\u003cbr\u003e\u003c/p\u003e\u003cp\u003e(1)All rates include the auto-pay discount. The 0.25% auto-pay interest rate reduction applies as long as a valid bank account is designated for required monthly payments. If a payment is returned, you will lose this benefit. Variable rates may increase after consummation.\u003c/p\u003e\u003cp\u003e\u003cbr\u003e\u003c/p\u003e\u003cp\u003e(2)As certified by your school and less any other financial aid you might receive. Minimum $1,000.\u003c/p\u003e\u003cp\u003e\u003cbr\u003e\u003c/p\u003e\u003cp\u003e(3)This informational repayment example uses typical loan terms for a freshman borrower who selects the Flat Repayment Option with an 8-year repayment term, has a $10,000 loan that is disbursed in one disbursement and a 7.78% fixed Annual Percentage Rate (“APR”): 54 monthly payments of $25 while in school, followed by 96 monthly payments of $176.21 while in the repayment period, for a total amount of payments of $18,266.38. Loans will never have a full principal and interest monthly payment of less than $50. Your actual rates and repayment terms may vary.\u003c/p\u003e\u003cp\u003e\u003cbr\u003e\u003c/p\u003e\u003cp\u003eInformation advertised valid as of 2/03/2024. Variable interest rates may increase after consummation. Approved interest rate will depend on creditworthiness of the applicant(s), lowest advertised rates only available to the most creditworthy applicants and require selection of the Flat Repayment Option with the shortest available loan term.\u003c/p\u003e"}]},"__N_SSP":true},"page":"/student-loans","query":{"cohesion":"false","creditScore":"750","loanAmount":"80000","loanPurpose":"student_refi","zip":"189554","sortBy":"rank"},"buildId":"B2IPHfiEq4OHUlCnZmjI0","assetPrefix":"https://www.bankrate.com/static/loans/rate-tables/rate-tables-next-1.277.0","isFallback":false,"isExperimentalCompile":false,"gssp":true,"scriptLoader":[]}</script><div class="ContentWithNavigation"> <div class="ContentWithNavigation-toc"> <nav class="ContentWithNavigation-tocNav"> <h2 class="ContentWithNavigation-tocHeader type-heading-six">ON THIS PAGE</h2> <button class="Button Button--neutral Button--small md:display-none" type="button" data-target="#toc-modal" id="toc-button"> Jump to <span class="Icon Icon--xs 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9.75598 15.4997 9.72319 15.6063 9.64942L16.5243 9.04286C16.6718 8.9445 16.8686 8.9445 17.0079 9.04286L17.9259 9.65762C18.1309 9.78876 18.385 9.80516 18.5981 9.6904C18.8112 9.57565 18.9423 9.34614 18.9423 9.10844V3.37462C19.1557 3.34844 19.3718 3.32808 19.5902 3.31425C20.0082 3.29785 20.3852 3.4372 20.6885 3.71589C20.9918 4.00277 21.1721 4.4208 21.1721 4.84703V16.7979C21.1721 17.6175 20.5246 18.2815 19.6967 18.3224C16.9262 18.4536 14.4918 19.552 12.9344 20.4454ZM17.6309 3.61143C17.0195 3.75653 16.4398 3.94189 15.9014 4.14751V7.88712C16.4423 7.58385 17.0981 7.58385 17.6309 7.88712V3.61143ZM15.6882 15.1827C15.4259 15.1827 15.18 15.027 15.0816 14.7729C14.9505 14.4368 15.1144 14.0516 15.4505 13.9204L17.8357 12.9778C18.1718 12.8466 18.557 13.0106 18.6882 13.3466C18.8193 13.6827 18.6554 14.068 18.3193 14.1991L15.9341 15.1417C15.8521 15.1745 15.7701 15.1909 15.6964 15.1909L15.6882 15.1827ZM7.84338 15.1332C7.91715 15.166 7.99911 15.1824 8.08108 15.1824L8.08928 15.1742C8.34338 15.1742 8.59747 15.0184 8.69584 14.7643C8.82698 14.4283 8.66305 14.043 8.32698 13.9119L5.94174 12.9692C5.60567 12.8381 5.22043 13.002 5.08928 13.3381C4.95813 13.6742 5.12206 14.0594 5.45813 14.1906L7.84338 15.1332ZM7.84338 10.2151C7.91715 10.2479 7.99911 10.2643 8.08108 10.2643H8.08928C8.34338 10.2643 8.59747 10.1004 8.69584 9.8463C8.82698 9.51023 8.66305 9.12498 8.32698 8.99384L5.94174 8.05121C5.60567 7.92007 5.22043 8.084 5.08928 8.42007C4.95813 8.75613 5.12206 9.14138 5.45813 9.27253L7.84338 10.2151Z" class="icon-base"></path> <title>Book</title> </svg> <h3 class="text-lg type-heading-four font-bold mb-3"> No outside influence</h3> <div class="text-slate text-sm"> <div class="wysiwyg display-block w-full has-links"> <div>We <a class="Link" href="https://www.bankrate.com/editorial-guidelines/" target="_blank" rel="noopener">uphold editorial integrity</a> by providing the information that is best for our readers and their wallets, not ours. Our staff writers have a wide range of experience, education and certifications to give you unbiased information you need to make important borrowing decisions.</div></div> </div> </div> </div> </div> <div class="vertical-spacer pt-8 trsy-pt-[--pt] w-full" style="content: ''; --pt: 2rem"></div> <div class="wysiwyg display-block w-full has-links"> <h2>A closer look at top student loan refinancing companies</h2> <p>The closer look section offers a detailed view of Bankrate’s top picks for student loan refinancing. This includes product perks and highlights, as well as drawbacks and who may benefit the most from applying with a particular lender.</p></div> <article class="CloserLook"> <h3 class="CloserLook-title type-heading-four"> <div class="wysiwyg display-block w-full has-links"> <h3>LendKey: Best for getting matched with a community lender </h3></div> </h3> <div class="CloserLook-logoRating mb-4 md:mb-2" data-testid="CloserLook-logo"> <div> <img src="https://www.bankrate.com/static/loans/logos/lendkey.png?auto=webp&fit=&width=200&format=pjpg" alt="Lendkey" width="200"> </div> <div> <span class="display-flex align-items-center"> <div class="star-rating star-rating--number-size-sm align-center mr-1" style="font-size: 16px"> <span class="visually-hidden">Rating: 4 stars out of 5</span> <div class="star-rating__main-content"> <div class="star-rating__items-container"> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> <div class="star-rating__fill" style="width: 0%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> </div> </div> </div> </div> </div> <span class="type-body-one font-circular-bold text-black">4</span> </span> </div> </div> <div class="CloserLook-overview text-slate"> <div class="wysiwyg display-block w-full has-links"> <p><strong>Overview: </strong>LendKey pairs with multiple small student loan lenders to offer student loan refinancing. There are no origination fees.</p></div> <div class="pb-8 pt-2"> <a class="Link" href="https://www.bankrate.com/loans/student-loans/reviews/lendkey/">Read Bankrate's Expert LendKey Review</a> </div> </div> <div class="CloserLook-loanStats mt-4"> <div class="type-body-two display-flex font-circular-bold mb-3"> <div class="text-slate font-circular-book mr-4 flex-1">Fixed APR</div> 4.89%–9.04%</div> <div class="type-body-two display-flex font-circular-bold mb-4 border-t border-gray pt-2"> <div class="text-slate font-circular-book mr-4 flex-1">Loan amount</div> $5,000-100% of amount borrowed</div> <div class="type-body-two display-flex font-circular-bold mb-3 border-t border-gray pt-2"> <div class="text-slate font-circular-book mr-4 flex-1">Loan term</div> 5-20 yrs</div> </div> <div class="CloserLook-accordions pt-4"> <ul class="Accordion w-full" data-cy="accordion-506375dd-7831-433b-9726-62888d38f8d2"> <li x-id="['panel-span-classtext-who-it039s-forspan', 'heading-span-classtext-who-it039s-forspan']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item"> <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$id('heading-span-classtext-who-it039s-forspan')" :aria-controls="$id('panel-span-classtext-who-it039s-forspan')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked-no-delay id="" data-type="accordion" data-location="" data-name=" who it&#039;s for " data-position="1" data-text=" Who it&#039;s for " data-outcome="" data-variant="default" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }"> <h4 class="Accordion-title mr-2 md:flex-1 my-0"> <span class="text"> Who it's for</span> </h4> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-span-classtext-who-it039s-forspan')" :labelledBy="$id('heading-span-classtext-who-it039s-forspan')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full has-links"> <p>LendKey partners with a network of credit unions and banks, combing through multiple lenders' offerings to customize your loan. This makes it easy to compare multiple options all at once. </p></div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-span-classtext-who-it039s-forspan')" :labelledBy="$id('heading-span-classtext-who-it039s-forspan')" role="region"> <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full has-links"> <p>LendKey partners with a network of credit unions and banks, combing through multiple lenders' offerings to customize your loan. This makes it easy to compare multiple options all at once. </p></div> </div> </div> </noscript> </li> <li x-id="['panel-span-classtext-stand-out-featuresspan', 'heading-span-classtext-stand-out-featuresspan']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item"> <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$id('heading-span-classtext-stand-out-featuresspan')" :aria-controls="$id('panel-span-classtext-stand-out-featuresspan')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked-no-delay id="" data-type="accordion" data-location="" data-name=" stand-out features " data-position="2" data-text=" Stand-out features " data-outcome="" data-variant="default" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }"> <h4 class="Accordion-title mr-2 md:flex-1 my-0"> <span class="text"> Stand-out features</span> </h4> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-span-classtext-stand-out-featuresspan')" :labelledBy="$id('heading-span-classtext-stand-out-featuresspan')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="display-grid grid-cols-1 gap-4 w-full md:grid-cols-<?php echo e($block->columns); ?> md:trsy-grid-cols-[--cols]" style="--cols: repeat(1, minmax(0, 1fr))"> <div> <div class="wysiwyg display-block w-full has-links"> <ul> <li>Established in 2009</li> <li>Network of over 300 partners </li> <li>Side-by-side loan comparison</li> </ul></div> </div> </div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-span-classtext-stand-out-featuresspan')" :labelledBy="$id('heading-span-classtext-stand-out-featuresspan')" role="region"> <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="display-grid grid-cols-1 gap-4 w-full md:grid-cols-<?php echo e($block->columns); ?> md:trsy-grid-cols-[--cols]" style="--cols: repeat(1, minmax(0, 1fr))"> <div> <div class="wysiwyg display-block w-full has-links"> <ul> <li>Established in 2009</li> <li>Network of over 300 partners </li> <li>Side-by-side loan comparison</li> </ul></div> </div> </div> </div> </div> </noscript> </li> </ul> </div> </article> <div class="vertical-spacer pt-8 trsy-pt-[--pt] w-full" style="content: ''; --pt: 2rem"></div> <article class="CloserLook"> <h3 class="CloserLook-title type-heading-four"> <div class="wysiwyg display-block w-full has-links"> <h3>ELFI: Best for good credit</h3></div> </h3> <div class="CloserLook-logoRating mb-4 md:mb-2" data-testid="CloserLook-logo"> <div> <img src="https://www.bankrate.com/static/loans/logos/ELFI Logo_10.4.2024.png?auto=webp&fit=&width=200&format=pjpg" alt="Education Loan Finance" width="200"> </div> <div> <span class="display-flex align-items-center"> <div class="star-rating star-rating--number-size-sm align-center mr-1" style="font-size: 16px"> <span class="visually-hidden">Rating: 4.4 stars out of 5</span> <div class="star-rating__main-content"> <div class="star-rating__items-container"> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> <div class="star-rating__fill" style="width: 43%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> </div> </div> </div> </div> </div> <span class="type-body-one font-circular-bold text-black">4.4</span> </span> </div> </div> <div class="CloserLook-overview text-slate"> <div class="wysiwyg display-block w-full has-links"> <p><strong>Overview: </strong>ELFI is a Tennessee-based lender touted for its undergraduate and graduate loan products. It offers comprehensive support for its borrowers and pairs each applicant with an advisor.</p></div> <div class="pb-8 pt-2"> <a class="Link" href="https://www.bankrate.com/loans/student-loans/reviews/education-loan-finance/">Read Bankrate's Expert ELFI Review</a> </div> </div> <div class="CloserLook-loanStats mt-4"> <div class="type-body-two display-flex font-circular-bold mb-3"> <div class="text-slate font-circular-book mr-4 flex-1">Fixed APR</div> 4.88%–8.44%</div> <div class="type-body-two display-flex font-circular-bold mb-4 border-t border-gray pt-2"> <div class="text-slate font-circular-book mr-4 flex-1">Loan amount</div> Starting at $10,000</div> <div class="type-body-two display-flex font-circular-bold mb-3 border-t border-gray pt-2"> <div class="text-slate font-circular-book mr-4 flex-1">Loan term</div> 5-20 yrs</div> </div> <div class="CloserLook-accordions pt-4"> <ul class="Accordion w-full" data-cy="accordion-2f333b7d-4456-4928-ba94-1fae4f5103d4"> <li x-id="['panel-span-classtext-who-it039s-forspan', 'heading-span-classtext-who-it039s-forspan']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item"> <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$id('heading-span-classtext-who-it039s-forspan')" :aria-controls="$id('panel-span-classtext-who-it039s-forspan')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked-no-delay id="" data-type="accordion" data-location="" data-name=" who it&#039;s for " data-position="1" data-text=" Who it&#039;s for " data-outcome="" data-variant="default" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }"> <h4 class="Accordion-title mr-2 md:flex-1 my-0"> <span class="text"> Who it's for</span> </h4> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-span-classtext-who-it039s-forspan')" :labelledBy="$id('heading-span-classtext-who-it039s-forspan')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full has-links"> <p>ELFI does not require borrowers to have a co-signer, which is suitable for students with strong credit backgrounds.</p></div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-span-classtext-who-it039s-forspan')" :labelledBy="$id('heading-span-classtext-who-it039s-forspan')" role="region"> <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full has-links"> <p>ELFI does not require borrowers to have a co-signer, which is suitable for students with strong credit backgrounds.</p></div> </div> </div> </noscript> </li> <li x-id="['panel-span-classtext-stand-out-featuresspan', 'heading-span-classtext-stand-out-featuresspan']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item"> <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$id('heading-span-classtext-stand-out-featuresspan')" :aria-controls="$id('panel-span-classtext-stand-out-featuresspan')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked-no-delay id="" data-type="accordion" data-location="" data-name=" stand-out features " data-position="2" data-text=" Stand-out features " data-outcome="" data-variant="default" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }"> <h4 class="Accordion-title mr-2 md:flex-1 my-0"> <span class="text"> Stand-out features</span> </h4> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-span-classtext-stand-out-featuresspan')" :labelledBy="$id('heading-span-classtext-stand-out-featuresspan')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="display-grid grid-cols-1 gap-4 w-full md:grid-cols-<?php echo e($block->columns); ?> md:trsy-grid-cols-[--cols] sm:grid-cols-2" style="--cols: repeat(2, minmax(0, 1fr))"> <div> <div class="wysiwyg display-block w-full has-links"> <ul> <li>In business since 2015</li> <li>Personal advisor match</li> <li>Saturday customer support</li> </ul></div> </div> </div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-span-classtext-stand-out-featuresspan')" :labelledBy="$id('heading-span-classtext-stand-out-featuresspan')" role="region"> <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="display-grid grid-cols-1 gap-4 w-full md:grid-cols-<?php echo e($block->columns); ?> md:trsy-grid-cols-[--cols] sm:grid-cols-2" style="--cols: repeat(2, minmax(0, 1fr))"> <div> <div class="wysiwyg display-block w-full has-links"> <ul> <li>In business since 2015</li> <li>Personal advisor match</li> <li>Saturday customer support</li> </ul></div> </div> </div> </div> </div> </noscript> </li> </ul> </div> </article> <div class="vertical-spacer pt-8 trsy-pt-[--pt] w-full" style="content: ''; --pt: 2rem"></div> <article class="CloserLook"> <h3 class="CloserLook-title type-heading-four"> <div class="wysiwyg display-block w-full has-links"> <h3>INvestEd: Best for Indiana residents</h3></div> </h3> <div class="CloserLook-logoRating mb-4 md:mb-2" data-testid="CloserLook-logo"> <div> <img src="https://www.bankrate.com/static/loans/logos/invested.png?auto=webp&fit=&width=200&format=pjpg" alt="Invested" width="200"> </div> </div> <div class="CloserLook-overview text-slate"> <div class="wysiwyg display-block w-full has-links"> <p><strong>Overview: </strong>INvestEd has been in the student loans business for over 40 years and serves Hoosiers looking to secure financing for higher education or adjust their current loan. It offers competitive rates starting at 5.85 percent and a range of discounts for those residing in Indiana.</p></div> </div> <div class="CloserLook-loanStats mt-4"> <div class="type-body-two display-flex font-circular-bold mb-3"> <div class="text-slate font-circular-book mr-4 flex-1">Fixed APR</div> 5.99%–10.14%</div> <div class="type-body-two display-flex font-circular-bold mb-4 border-t border-gray pt-2"> <div class="text-slate font-circular-book mr-4 flex-1">Loan amount</div> $1k– $250k</div> <div class="type-body-two display-flex font-circular-bold mb-3 border-t border-gray pt-2"> <div class="text-slate font-circular-book mr-4 flex-1">Loan term</div> 5-20 yrs</div> </div> <div class="CloserLook-accordions pt-4"> <ul class="Accordion w-full" data-cy="accordion-19101fe6-21ed-4e68-b453-b123c864cd18"> <li x-id="['panel-span-classtext-who-it039s-forspan', 'heading-span-classtext-who-it039s-forspan']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item"> <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$id('heading-span-classtext-who-it039s-forspan')" :aria-controls="$id('panel-span-classtext-who-it039s-forspan')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked-no-delay id="" data-type="accordion" data-location="" data-name=" who it&#039;s for " data-position="1" data-text=" Who it&#039;s for " data-outcome="" data-variant="default" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }"> <h4 class="Accordion-title mr-2 md:flex-1 my-0"> <span class="text"> Who it's for</span> </h4> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-span-classtext-who-it039s-forspan')" :labelledBy="$id('heading-span-classtext-who-it039s-forspan')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full has-links"> <p>Refinancing with INvestEd is most suitable for Indiana residents who have a good credit history, as the lender has stricter-than-normal restrictions regarding income and debt.</p></div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-span-classtext-who-it039s-forspan')" :labelledBy="$id('heading-span-classtext-who-it039s-forspan')" role="region"> <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full has-links"> <p>Refinancing with INvestEd is most suitable for Indiana residents who have a good credit history, as the lender has stricter-than-normal restrictions regarding income and debt.</p></div> </div> </div> </noscript> </li> <li x-id="['panel-span-classtext-stand-out-featuresspan', 'heading-span-classtext-stand-out-featuresspan']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item"> <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$id('heading-span-classtext-stand-out-featuresspan')" :aria-controls="$id('panel-span-classtext-stand-out-featuresspan')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked-no-delay id="" data-type="accordion" data-location="" data-name=" stand-out features " data-position="2" data-text=" Stand-out features " data-outcome="" data-variant="default" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }"> <h4 class="Accordion-title mr-2 md:flex-1 my-0"> <span class="text"> Stand-out features</span> </h4> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-span-classtext-stand-out-featuresspan')" :labelledBy="$id('heading-span-classtext-stand-out-featuresspan')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="display-grid grid-cols-1 gap-4 w-full md:grid-cols-<?php echo e($block->columns); ?> md:trsy-grid-cols-[--cols]" style="--cols: repeat(1, minmax(0, 1fr))"> <div> <div class="wysiwyg display-block w-full has-links"> <ul> <li>In business for over 40 years</li> <li>Discount for autopay </li> <li>Range of deferment options</li> </ul></div> </div> </div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-span-classtext-stand-out-featuresspan')" :labelledBy="$id('heading-span-classtext-stand-out-featuresspan')" role="region"> <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="display-grid grid-cols-1 gap-4 w-full md:grid-cols-<?php echo e($block->columns); ?> md:trsy-grid-cols-[--cols]" style="--cols: repeat(1, minmax(0, 1fr))"> <div> <div class="wysiwyg display-block w-full has-links"> <ul> <li>In business for over 40 years</li> <li>Discount for autopay </li> <li>Range of deferment options</li> </ul></div> </div> </div> </div> </div> </noscript> </li> </ul> </div> </article> <div class="vertical-spacer pt-8 trsy-pt-[--pt] w-full" style="content: ''; --pt: 2rem"></div> <article class="CloserLook"> <h3 class="CloserLook-title type-heading-four"> <div class="wysiwyg display-block w-full has-links"> <h3>EDvestinU: Best for co-signer release</h3></div> </h3> <div class="CloserLook-logoRating mb-4 md:mb-2" data-testid="CloserLook-logo"> <div> <img src="https://www.bankrate.com/static/loans/logos/edvestinu.png?auto=webp&fit=&width=200&format=pjpg" alt="EDvestinU" width="200"> </div> <div> <span class="display-flex align-items-center"> <div class="star-rating star-rating--number-size-sm align-center mr-1" style="font-size: 16px"> <span class="visually-hidden">Rating: 3.9 stars out of 5</span> <div class="star-rating__main-content"> <div class="star-rating__items-container"> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> <div class="star-rating__fill" style="width: 78%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> <div class="star-rating__fill" style="width: 0%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> </div> </div> </div> </div> </div> <span class="type-body-one font-circular-bold text-black">3.9</span> </span> </div> </div> <div class="CloserLook-overview text-slate"> <div class="wysiwyg display-block w-full has-links"> <p><strong>Overview: </strong>EdVestinU is an online lender that specifically serves U.S. citizens and permanent residents who reside in New Hampshire. The lender offers refinance loans with low rates, almost no fees and even offers a 0.25 percent interest rate discount for enrolling in its autopay feature. It also offers one of the fastest timelines on the market — borrowers can apply for a refinance loan at any point after receiving their student loans.</p></div> </div> <div class="CloserLook-loanStats mt-4"> <div class="type-body-two display-flex font-circular-bold mb-3"> <div class="text-slate font-circular-book mr-4 flex-1">Fixed APR</div> 6.00%–9.74%</div> <div class="type-body-two display-flex font-circular-bold mb-4 border-t border-gray pt-2"> <div class="text-slate font-circular-book mr-4 flex-1">Loan amount</div> $7.5k– $200k</div> <div class="type-body-two display-flex font-circular-bold mb-3 border-t border-gray pt-2"> <div class="text-slate font-circular-book mr-4 flex-1">Loan term</div> 5-20 yrs</div> </div> <div class="CloserLook-accordions pt-4"> <ul class="Accordion w-full" data-cy="accordion-c3aca68c-480a-438e-94be-4180dbcbe115"> <li x-id="['panel-span-classtext-who-it039s-forspan', 'heading-span-classtext-who-it039s-forspan']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item"> <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$id('heading-span-classtext-who-it039s-forspan')" :aria-controls="$id('panel-span-classtext-who-it039s-forspan')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked-no-delay id="" data-type="accordion" data-location="" data-name=" who it&#039;s for " data-position="1" data-text=" Who it&#039;s for " data-outcome="" data-variant="default" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }"> <h4 class="Accordion-title mr-2 md:flex-1 my-0"> <span class="text"> Who it's for</span> </h4> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-span-classtext-who-it039s-forspan')" :labelledBy="$id('heading-span-classtext-who-it039s-forspan')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full has-links"> <p>If you have been able to improve your credit and keep up with on-time payments, some lenders like EDvestinU will allow you to release the co-signer and instead take on the responsibility yourself.</p></div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-span-classtext-who-it039s-forspan')" :labelledBy="$id('heading-span-classtext-who-it039s-forspan')" role="region"> <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full has-links"> <p>If you have been able to improve your credit and keep up with on-time payments, some lenders like EDvestinU will allow you to release the co-signer and instead take on the responsibility yourself.</p></div> </div> </div> </noscript> </li> <li x-id="['panel-span-classtext-stand-out-featuresspan', 'heading-span-classtext-stand-out-featuresspan']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item"> <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$id('heading-span-classtext-stand-out-featuresspan')" :aria-controls="$id('panel-span-classtext-stand-out-featuresspan')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked-no-delay id="" data-type="accordion" data-location="" data-name=" stand-out features " data-position="2" data-text=" Stand-out features " data-outcome="" data-variant="default" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }"> <h4 class="Accordion-title mr-2 md:flex-1 my-0"> <span class="text"> Stand-out features</span> </h4> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-span-classtext-stand-out-featuresspan')" :labelledBy="$id('heading-span-classtext-stand-out-featuresspan')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full has-links"> <ul> <li>Discounts for New Hampshire residents </li> <li>Community-driven mission</li> <li>Loans for international students </li> <li>Co-signer release</li> </ul></div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-span-classtext-stand-out-featuresspan')" :labelledBy="$id('heading-span-classtext-stand-out-featuresspan')" role="region"> <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full has-links"> <ul> <li>Discounts for New Hampshire residents </li> <li>Community-driven mission</li> <li>Loans for international students </li> <li>Co-signer release</li> </ul></div> </div> </div> </noscript> </li> </ul> </div> </article> <div class="vertical-spacer pt-8 trsy-pt-[--pt] w-full" style="content: ''; --pt: 2rem"></div> <article class="CloserLook"> <h3 class="CloserLook-title type-heading-four"> <div class="wysiwyg display-block w-full has-links"> <h3>MEFA: Best for using a co-borrower</h3></div> </h3> <div class="CloserLook-logoRating mb-4 md:mb-2" data-testid="CloserLook-logo"> <div> <img src="https://www.bankrate.com/static/loans/logos/MEFA Logo.png?auto=webp&fit=&width=200&format=pjpg" alt="mefa" width="200"> </div> </div> <div class="CloserLook-overview text-slate"> <div class="wysiwyg display-block w-full has-links"> <p><strong>Overview:</strong> According to MEFA, individuals who have refinanced with the lender have reduced their interest rate by an average of 28 percent. Borrowers who qualify, or who have a co-borrower who does, can take advantage of the low-cost loan that comes with fixed rates and no fees. To qualify, applicants must have a clean student loan repayment record, must have attended an eligible nonprofit school and need to meet the lender's credit approval standards.</p></div> </div> <div class="CloserLook-loanStats mt-4"> <div class="type-body-two display-flex font-circular-bold mb-3"> <div class="text-slate font-circular-book mr-4 flex-1">Fixed APR</div> 6.20%–8.99%</div> <div class="type-body-two display-flex font-circular-bold mb-4 border-t border-gray pt-2"> <div class="text-slate font-circular-book mr-4 flex-1">Loan amount</div> From $10,000</div> <div class="type-body-two display-flex font-circular-bold mb-3 border-t border-gray pt-2"> <div class="text-slate font-circular-book mr-4 flex-1">Loan term</div> 7-15 yrs</div> </div> <div class="CloserLook-accordions pt-4"> <ul class="Accordion w-full" data-cy="accordion-d80493dd-d981-4e66-82ae-db818feda07b"> <li x-id="['panel-span-classtext-who-it039s-forspan', 'heading-span-classtext-who-it039s-forspan']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item"> <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$id('heading-span-classtext-who-it039s-forspan')" :aria-controls="$id('panel-span-classtext-who-it039s-forspan')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked-no-delay id="" data-type="accordion" data-location="" data-name=" who it&#039;s for " data-position="1" data-text=" Who it&#039;s for " data-outcome="" data-variant="default" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }"> <h4 class="Accordion-title mr-2 md:flex-1 my-0"> <span class="text"> Who it's for</span> </h4> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-span-classtext-who-it039s-forspan')" :labelledBy="$id('heading-span-classtext-who-it039s-forspan')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full has-links"> <p>Adding a co-borrower that has a more favorable history of credit can help you to secure acceptance and potentially better rates. MEFA encourages borrowers to borrow this way.</p></div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-span-classtext-who-it039s-forspan')" :labelledBy="$id('heading-span-classtext-who-it039s-forspan')" role="region"> <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full has-links"> <p>Adding a co-borrower that has a more favorable history of credit can help you to secure acceptance and potentially better rates. MEFA encourages borrowers to borrow this way.</p></div> </div> </div> </noscript> </li> <li x-id="['panel-span-classtext-stand-out-featuresspan', 'heading-span-classtext-stand-out-featuresspan']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item"> <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$id('heading-span-classtext-stand-out-featuresspan')" :aria-controls="$id('panel-span-classtext-stand-out-featuresspan')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked-no-delay id="" data-type="accordion" data-location="" data-name=" stand-out features " data-position="2" data-text=" Stand-out features " data-outcome="" data-variant="default" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }"> <h4 class="Accordion-title mr-2 md:flex-1 my-0"> <span class="text"> Stand-out features</span> </h4> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-span-classtext-stand-out-featuresspan')" :labelledBy="$id('heading-span-classtext-stand-out-featuresspan')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full has-links"> <ul> <li>Established in 1982</li> <li>Conditional loan approval without a hard credit pull </li> <li>Short online application </li> <li>Co-borrower option</li> </ul></div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-span-classtext-stand-out-featuresspan')" :labelledBy="$id('heading-span-classtext-stand-out-featuresspan')" role="region"> <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full has-links"> <ul> <li>Established in 1982</li> <li>Conditional loan approval without a hard credit pull </li> <li>Short online application </li> <li>Co-borrower option</li> </ul></div> </div> </div> </noscript> </li> </ul> </div> </article> <div class="vertical-spacer pt-8 trsy-pt-[--pt] w-full" style="content: ''; --pt: 2rem"></div> <article class="CloserLook"> <h3 class="CloserLook-title type-heading-four"> <div class="wysiwyg display-block w-full has-links"> <h3>RISLA: Best for financial benefits and resources</h3></div> </h3> <div class="CloserLook-logoRating mb-4 md:mb-2" data-testid="CloserLook-logo"> <div> <img src="https://www.bankrate.com/static/loans/logos/RISLA.png?auto=webp&fit=&width=200&format=pjpg" alt="RISLA" width="200"> </div> <div> <span class="display-flex align-items-center"> <div class="star-rating star-rating--number-size-sm align-center mr-1" style="font-size: 16px"> <span class="visually-hidden">Rating: 4 stars out of 5</span> <div class="star-rating__main-content"> <div class="star-rating__items-container"> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> <div class="star-rating__fill" style="width: 0%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> </div> </div> </div> </div> </div> <span class="type-body-one font-circular-bold text-black">4</span> </span> </div> </div> <div class="CloserLook-overview text-slate"> <div class="wysiwyg display-block w-full has-links"> <p><strong>Overview:</strong> RISLA allows current students the option of refinancing their student loans while still enrolled through a unique benefit — its 'pay-later' loan. Although repayment will begin a short six months after graduating, the lender will defer your payments while still in school, which can help you save on interest accrual.  </p></div> <div class="pb-8 pt-2"> <a class="Link" href="https://www.bankrate.com/loans/student-loans/reviews/risla/">Read Bankrate's Expert RISLA Review</a> </div> </div> <div class="CloserLook-loanStats mt-4"> <div class="type-body-two display-flex font-circular-bold mb-3"> <div class="text-slate font-circular-book mr-4 flex-1">Fixed APR</div> 3.99%–8.99%</div> <div class="type-body-two display-flex font-circular-bold mb-4 border-t border-gray pt-2"> <div class="text-slate font-circular-book mr-4 flex-1">Loan amount</div> $7.5k– $250k</div> <div class="type-body-two display-flex font-circular-bold mb-3 border-t border-gray pt-2"> <div class="text-slate font-circular-book mr-4 flex-1">Loan term</div> 5-15 yrs</div> </div> <div class="CloserLook-accordions pt-4"> <ul class="Accordion w-full" data-cy="accordion-1d97467e-cc18-458d-a7e5-2cc488d4c505"> <li x-id="['panel-span-classtext-who-it039s-forspan', 'heading-span-classtext-who-it039s-forspan']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item"> <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$id('heading-span-classtext-who-it039s-forspan')" :aria-controls="$id('panel-span-classtext-who-it039s-forspan')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked-no-delay id="" data-type="accordion" data-location="" data-name=" who it&#039;s for " data-position="1" data-text=" Who it&#039;s for " data-outcome="" data-variant="default" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }"> <h4 class="Accordion-title mr-2 md:flex-1 my-0"> <span class="text"> Who it's for</span> </h4> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-span-classtext-who-it039s-forspan')" :labelledBy="$id('heading-span-classtext-who-it039s-forspan')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full has-links"> <p>Those who want to refinance while still in school and want additional assistance will best benefit from a refi loan with RISLA. It works in collaboration with community organizations to help borrowers through the process.</p></div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-span-classtext-who-it039s-forspan')" :labelledBy="$id('heading-span-classtext-who-it039s-forspan')" role="region"> <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full has-links"> <p>Those who want to refinance while still in school and want additional assistance will best benefit from a refi loan with RISLA. It works in collaboration with community organizations to help borrowers through the process.</p></div> </div> </div> </noscript> </li> <li x-id="['panel-span-classtext-stand-out-featuresspan', 'heading-span-classtext-stand-out-featuresspan']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item"> <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$id('heading-span-classtext-stand-out-featuresspan')" :aria-controls="$id('panel-span-classtext-stand-out-featuresspan')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked-no-delay id="" data-type="accordion" data-location="" data-name=" stand-out features " data-position="2" data-text=" Stand-out features " data-outcome="" data-variant="default" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }"> <h4 class="Accordion-title mr-2 md:flex-1 my-0"> <span class="text"> Stand-out features</span> </h4> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-span-classtext-stand-out-featuresspan')" :labelledBy="$id('heading-span-classtext-stand-out-featuresspan')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full has-links"> <ul> <li>Established in 1981</li> <li>No fees</li> <li>Partial loan forgiveness </li> <li>Nationwide coverage</li> <li>Co-signer option </li> <li>Prequalification available</li> </ul></div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-span-classtext-stand-out-featuresspan')" :labelledBy="$id('heading-span-classtext-stand-out-featuresspan')" role="region"> <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full has-links"> <ul> <li>Established in 1981</li> <li>No fees</li> <li>Partial loan forgiveness </li> <li>Nationwide coverage</li> <li>Co-signer option </li> <li>Prequalification available</li> </ul></div> </div> </div> </noscript> </li> </ul> </div> </article> <div class="vertical-spacer pt-8 trsy-pt-[--pt] w-full" style="content: ''; --pt: 2rem"></div> <article class="CloserLook"> <h3 class="CloserLook-title type-heading-four"> <div class="wysiwyg display-block w-full has-links"> <h3>Citizens Bank: Best for available discounts</h3></div> </h3> <div class="CloserLook-logoRating mb-4 md:mb-2" data-testid="CloserLook-logo"> <div> <img src="https://www.bankrate.com/static/loans/logos/Citizens Bank.png?auto=webp&fit=&width=200&format=pjpg" alt="Citizens" width="200"> </div> <div> <span class="display-flex align-items-center"> <div class="star-rating star-rating--number-size-sm align-center mr-1" style="font-size: 16px"> <span class="visually-hidden">Rating: 4.6 stars out of 5</span> <div class="star-rating__main-content"> <div class="star-rating__items-container"> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> <div class="star-rating__fill" style="width: 57%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> </div> </div> </div> </div> </div> <span class="type-body-one font-circular-bold text-black">4.6</span> </span> </div> </div> <div class="CloserLook-overview text-slate"> <div class="wysiwyg display-block w-full has-links"> <p><strong>Overview:</strong> Citizens Bank offers student loan refinancing for borrowers who need to refinance up to $750,000 in student loans, although maximums vary based on your degree type. Variable interest rates as low as 7.03 percent APR, while fixed rates start at 6.49 percent, with repayment options between five and 20 years.</p></div> <div class="pb-8 pt-2"> <a class="Link" href="https://www.bankrate.com/loans/student-loans/reviews/citizens-bank/">Read Bankrate's Expert Citizens Bank Review</a> </div> </div> <div class="CloserLook-loanStats mt-4"> <div class="type-body-two display-flex font-circular-bold mb-3"> <div class="text-slate font-circular-book mr-4 flex-1">Fixed APR</div> 5.89%–12.10%</div> <div class="type-body-two display-flex font-circular-bold mb-4 border-t border-gray pt-2"> <div class="text-slate font-circular-book mr-4 flex-1">Loan amount</div> $10k– $750k</div> <div class="type-body-two display-flex font-circular-bold mb-3 border-t border-gray pt-2"> <div class="text-slate font-circular-book mr-4 flex-1">Loan term</div> 5-20 yrs</div> </div> <div class="CloserLook-accordions pt-4"> <ul class="Accordion w-full" data-cy="accordion-942fb7cf-b55e-4d9b-91ce-8a02b61a6457"> <li x-id="['panel-span-classtext-who-it039s-forspan', 'heading-span-classtext-who-it039s-forspan']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item"> <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$id('heading-span-classtext-who-it039s-forspan')" :aria-controls="$id('panel-span-classtext-who-it039s-forspan')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked-no-delay id="" data-type="accordion" data-location="" data-name=" who it&#039;s for " data-position="1" data-text=" Who it&#039;s for " data-outcome="" data-variant="default" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }"> <h4 class="Accordion-title mr-2 md:flex-1 my-0"> <span class="text"> Who it's for</span> </h4> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-span-classtext-who-it039s-forspan')" :labelledBy="$id('heading-span-classtext-who-it039s-forspan')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full has-links"> <p>Citizens Bank is best for securing available discounts. Borrowers can reduce their interest rates through loyalty discounts and automatic payment discounts. </p></div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-span-classtext-who-it039s-forspan')" :labelledBy="$id('heading-span-classtext-who-it039s-forspan')" role="region"> <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full has-links"> <p>Citizens Bank is best for securing available discounts. Borrowers can reduce their interest rates through loyalty discounts and automatic payment discounts. </p></div> </div> </div> </noscript> </li> <li x-id="['panel-span-classtext-stand-out-featuresspan', 'heading-span-classtext-stand-out-featuresspan']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item"> <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$id('heading-span-classtext-stand-out-featuresspan')" :aria-controls="$id('panel-span-classtext-stand-out-featuresspan')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked-no-delay id="" data-type="accordion" data-location="" data-name=" stand-out features " data-position="2" data-text=" Stand-out features " data-outcome="" data-variant="default" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }"> <h4 class="Accordion-title mr-2 md:flex-1 my-0"> <span class="text"> Stand-out features</span> </h4> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-span-classtext-stand-out-featuresspan')" :labelledBy="$id('heading-span-classtext-stand-out-featuresspan')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full has-links"> <ul> <li>Established in 1828</li> <li>Large maximum amount </li> <li>International student eligibility  </li> <li>Discounts for bank account holders</li> </ul></div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-span-classtext-stand-out-featuresspan')" :labelledBy="$id('heading-span-classtext-stand-out-featuresspan')" role="region"> <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full has-links"> <ul> <li>Established in 1828</li> <li>Large maximum amount </li> <li>International student eligibility  </li> <li>Discounts for bank account holders</li> </ul></div> </div> </div> </noscript> </li> </ul> </div> </article> <div class="vertical-spacer pt- trsy-pt-[--pt] w-full" style="content: ''; --pt: 0rem"></div> <article class="CloserLook"> <h3 class="CloserLook-title type-heading-four"> <div class="wysiwyg display-block w-full has-links"> <h3>SoFi: Best overall student loan refinance company</h3></div> </h3> <div class="CloserLook-logoRating mb-4 md:mb-2" data-testid="CloserLook-logo"> <div> <img src="https://www.bankrate.com/static/loans/logos/sofi.png?auto=webp&fit=&width=200&format=pjpg" alt="SoFi" width="200"> </div> <div> <span class="display-flex align-items-center"> <div class="star-rating star-rating--number-size-sm align-center mr-1" style="font-size: 16px"> <span class="visually-hidden">Rating: 4.8 stars out of 5</span> <div class="star-rating__main-content"> <div class="star-rating__items-container"> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> <div class="star-rating__fill" style="width: 71%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> </div> </div> </div> </div> </div> <span class="type-body-one font-circular-bold text-black">4.8</span> </span> </div> </div> <div class="CloserLook-overview text-slate"> <div class="wysiwyg display-block w-full has-links"> <p><strong>Overview: </strong>SoFi is one of the most popular lenders for borrowers looking to refinance their student loans, and it’s easy to see why. The lender has a wide range of repayment options and benefits to its members. Along with that, this lender offers loans with competitive interest rates and no hidden fees, including no origination fees. </p></div> <div class="pb-8 pt-2"> <a class="Link" href="https://www.bankrate.com/loans/student-loans/reviews/sofi/">Read Bankrate's Expert SoFi Review</a> </div> </div> <div class="CloserLook-loanStats mt-4"> <div class="type-body-two display-flex font-circular-bold mb-3"> <div class="text-slate font-circular-book mr-4 flex-1">Fixed APR</div> 4.49%–9.99%</div> <div class="type-body-two display-flex font-circular-bold mb-4 border-t border-gray pt-2"> <div class="text-slate font-circular-book mr-4 flex-1">Loan amount</div> $5,000-100% amount borrowed</div> <div class="type-body-two display-flex font-circular-bold mb-3 border-t border-gray pt-2"> <div class="text-slate font-circular-book mr-4 flex-1">Loan term</div> 5-20 yrs</div> </div> <div class="CloserLook-accordions pt-4"> <ul class="Accordion w-full" data-cy="accordion-f92da19c-bd6c-43d6-ace5-029e10a3e727"> <li x-id="['panel-span-classtext-who-it039s-forspan', 'heading-span-classtext-who-it039s-forspan']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item"> <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$id('heading-span-classtext-who-it039s-forspan')" :aria-controls="$id('panel-span-classtext-who-it039s-forspan')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked-no-delay id="" data-type="accordion" data-location="" data-name=" who it&#039;s for " data-position="1" data-text=" Who it&#039;s for " data-outcome="" data-variant="default" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }"> <h4 class="Accordion-title mr-2 md:flex-1 my-0"> <span class="text"> Who it's for</span> </h4> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-span-classtext-who-it039s-forspan')" :labelledBy="$id('heading-span-classtext-who-it039s-forspan')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full has-links"> <p>SoFi's range of repayment terms, co-signing option, low rates and variety of online resources make it a good choice for many types of borrowers.</p></div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-span-classtext-who-it039s-forspan')" :labelledBy="$id('heading-span-classtext-who-it039s-forspan')" role="region"> <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full has-links"> <p>SoFi's range of repayment terms, co-signing option, low rates and variety of online resources make it a good choice for many types of borrowers.</p></div> </div> </div> </noscript> </li> <li x-id="['panel-span-classtext-stand-out-featuresspan', 'heading-span-classtext-stand-out-featuresspan']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item"> <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$id('heading-span-classtext-stand-out-featuresspan')" :aria-controls="$id('panel-span-classtext-stand-out-featuresspan')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked-no-delay id="" data-type="accordion" data-location="" data-name=" stand-out features " data-position="2" data-text=" Stand-out features " data-outcome="" data-variant="default" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }"> <h4 class="Accordion-title mr-2 md:flex-1 my-0"> <span class="text"> Stand-out features</span> </h4> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-span-classtext-stand-out-featuresspan')" :labelledBy="$id('heading-span-classtext-stand-out-featuresspan')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full has-links"> <ul> <li>Established in 2011</li> <li>Member discounts  </li> <li>Financial planning tools </li> <li>Access to career resources and tools</li> <li>Minimal fees</li> </ul></div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-span-classtext-stand-out-featuresspan')" :labelledBy="$id('heading-span-classtext-stand-out-featuresspan')" role="region"> <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full has-links"> <ul> <li>Established in 2011</li> <li>Member discounts  </li> <li>Financial planning tools </li> <li>Access to career resources and tools</li> <li>Minimal fees</li> </ul></div> </div> </div> </noscript> </li> </ul> </div> </article> <div class="vertical-spacer pt- trsy-pt-[--pt] w-full" style="content: ''; --pt: 0rem"></div> <article class="CloserLook"> <h3 class="CloserLook-title type-heading-four"> <div class="wysiwyg display-block w-full has-links"> <h3>Earnest: Best for flexible repayment options</h3></div> </h3> <div class="CloserLook-logoRating mb-4 md:mb-2" data-testid="CloserLook-logo"> <div> <img src="https://www.bankrate.com/static/loans/logos/Earnest.png?auto=webp&fit=&width=200&format=pjpg" alt="Earnest" width="200"> </div> <div> <span class="display-flex align-items-center"> <div class="star-rating star-rating--number-size-sm align-center mr-1" style="font-size: 16px"> <span class="visually-hidden">Rating: 4.4 stars out of 5</span> <div class="star-rating__main-content"> <div class="star-rating__items-container"> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> <div class="star-rating__fill" style="width: 43%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> </div> </div> </div> </div> </div> <span class="type-body-one font-circular-bold text-black">4.4</span> </span> </div> </div> <div class="CloserLook-overview text-slate"> <div class="wysiwyg display-block w-full has-links"> <p><strong>Overview: </strong>Earnest lets you refinance your student loans with the potential for a low APR and flexible repayment options. With repayment terms from five to 20 years, it's easy to find a repayment timeline that works for your budget.</p></div> <div class="pb-8 pt-2"> <a class="Link" href="https://www.bankrate.com/loans/student-loans/reviews/earnest/">Read Bankrate's Expert Earnest Review</a> </div> </div> <div class="CloserLook-loanStats mt-4"> <div class="type-body-two display-flex font-circular-bold mb-3"> <div class="text-slate font-circular-book mr-4 flex-1">Fixed APR</div> 3.94%–9.99%</div> <div class="type-body-two display-flex font-circular-bold mb-4 border-t border-gray pt-2"> <div class="text-slate font-circular-book mr-4 flex-1">Loan amount</div> $5k– $500k</div> <div class="type-body-two display-flex font-circular-bold mb-3 border-t border-gray pt-2"> <div class="text-slate font-circular-book mr-4 flex-1">Loan term</div> 5-20 yrs</div> </div> <div class="CloserLook-accordions pt-4"> <ul class="Accordion w-full" data-cy="accordion-bea28804-89e5-433e-b1f3-86ae76c924ab"> <li x-id="['panel-span-classtext-who-it039s-forspan', 'heading-span-classtext-who-it039s-forspan']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item"> <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$id('heading-span-classtext-who-it039s-forspan')" :aria-controls="$id('panel-span-classtext-who-it039s-forspan')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked-no-delay id="" data-type="accordion" data-location="" data-name=" who it&#039;s for " data-position="1" data-text=" Who it&#039;s for " data-outcome="" data-variant="default" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }"> <h4 class="Accordion-title mr-2 md:flex-1 my-0"> <span class="text"> Who it's for</span> </h4> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-span-classtext-who-it039s-forspan')" :labelledBy="$id('heading-span-classtext-who-it039s-forspan')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full has-links"> <p>Refinancing with Earnest is fitting for a borrower who requires flexibility in their repayment schedule. The lender even allows you to skip a payment once every 12 months if you need some breathing room.</p></div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-span-classtext-who-it039s-forspan')" :labelledBy="$id('heading-span-classtext-who-it039s-forspan')" role="region"> <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full has-links"> <p>Refinancing with Earnest is fitting for a borrower who requires flexibility in their repayment schedule. The lender even allows you to skip a payment once every 12 months if you need some breathing room.</p></div> </div> </div> </noscript> </li> <li x-id="['panel-span-classtext-stand-out-featuresspan', 'heading-span-classtext-stand-out-featuresspan']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item"> <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$id('heading-span-classtext-stand-out-featuresspan')" :aria-controls="$id('panel-span-classtext-stand-out-featuresspan')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked-no-delay id="" data-type="accordion" data-location="" data-name=" stand-out features " data-position="2" data-text=" Stand-out features " data-outcome="" data-variant="default" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }"> <h4 class="Accordion-title mr-2 md:flex-1 my-0"> <span class="text"> Stand-out features</span> </h4> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-span-classtext-stand-out-featuresspan')" :labelledBy="$id('heading-span-classtext-stand-out-featuresspan')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full has-links"> <ul> <li>Launched in 2013</li> <li>Loan forbearance </li> <li>Loan deferment </li> <li>Minimal fees</li> </ul></div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-span-classtext-stand-out-featuresspan')" :labelledBy="$id('heading-span-classtext-stand-out-featuresspan')" role="region"> <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full has-links"> <ul> <li>Launched in 2013</li> <li>Loan forbearance </li> <li>Loan deferment </li> <li>Minimal fees</li> </ul></div> </div> </div> </noscript> </li> </ul> </div> </article> <div class="vertical-spacer pt- trsy-pt-[--pt] w-full" style="content: ''; --pt: 0rem"></div> <article class="CloserLook"> <h3 class="CloserLook-title type-heading-four"> <div class="wysiwyg display-block w-full has-links"> <h3>College Ave: Best student loan refinance company for no fees</h3></div> </h3> <div class="CloserLook-logoRating mb-4 md:mb-2" data-testid="CloserLook-logo"> <div> <img src="https://www.bankrate.com/static/loans/logos/CA_Logo_120x40@2x.png?auto=webp&fit=&width=200&format=pjpg" alt="College Ave" width="200"> </div> <div> <span class="display-flex align-items-center"> <div class="star-rating star-rating--number-size-sm align-center mr-1" style="font-size: 16px"> <span class="visually-hidden">Rating: 4.5 stars out of 5</span> <div class="star-rating__main-content"> <div class="star-rating__items-container"> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> <div class="star-rating__fill" style="width: 50%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> </div> </div> </div> </div> </div> <span class="type-body-one font-circular-bold text-black">4.5</span> </span> </div> </div> <div class="CloserLook-overview text-slate"> <div class="wysiwyg display-block w-full has-links"> <p><strong>Overview: </strong>College Ave is a lender that serves borrowers in both undergraduate and graduate programs and is backed by Firstrust Bank, First Citizens Community Bank and M.Y. Safra Bank. It offers competitive interest rates and offers tools to help consumers understand the lending process. </p></div> <div class="pb-8 pt-2"> <a class="Link" href="https://www.bankrate.com/loans/student-loans/reviews/college-ave/">Read Bankrate's Expert College Ave Review</a> </div> </div> <div class="CloserLook-loanStats mt-4"> <div class="type-body-two display-flex font-circular-bold mb-3"> <div class="text-slate font-circular-book mr-4 flex-1">Fixed APR</div> 6.99%–13.99%</div> <div class="type-body-two display-flex font-circular-bold mb-4 border-t border-gray pt-2"> <div class="text-slate font-circular-book mr-4 flex-1">Loan amount</div> $5k– $300k</div> <div class="type-body-two display-flex font-circular-bold mb-3 border-t border-gray pt-2"> <div class="text-slate font-circular-book mr-4 flex-1">Loan term</div> 5-20 yrs</div> </div> <div class="CloserLook-accordions pt-4"> <ul class="Accordion w-full" data-cy="accordion-06dc370b-28bd-4697-8173-ed4434b30b91"> <li x-id="['panel-span-classtext-who-it039s-forspan', 'heading-span-classtext-who-it039s-forspan']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item"> <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$id('heading-span-classtext-who-it039s-forspan')" :aria-controls="$id('panel-span-classtext-who-it039s-forspan')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked-no-delay id="" data-type="accordion" data-location="" data-name=" who it&#039;s for " data-position="1" data-text=" Who it&#039;s for " data-outcome="" data-variant="default" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }"> <h4 class="Accordion-title mr-2 md:flex-1 my-0"> <span class="text"> Who it's for</span> </h4> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-span-classtext-who-it039s-forspan')" :labelledBy="$id('heading-span-classtext-who-it039s-forspan')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full has-links"> <p>Like most financial products, student loans sometimes have additional fees that can drive up costs. College Ave, however, does not enforce fees for loan origination or prepayment penalties – making it fitting for a borrower looking to cut costs.</p></div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-span-classtext-who-it039s-forspan')" :labelledBy="$id('heading-span-classtext-who-it039s-forspan')" role="region"> <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full has-links"> <p>Like most financial products, student loans sometimes have additional fees that can drive up costs. College Ave, however, does not enforce fees for loan origination or prepayment penalties – making it fitting for a borrower looking to cut costs.</p></div> </div> </div> </noscript> </li> <li x-id="['panel-span-classtext-stand-out-featuresspan', 'heading-span-classtext-stand-out-featuresspan']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item"> <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$id('heading-span-classtext-stand-out-featuresspan')" :aria-controls="$id('panel-span-classtext-stand-out-featuresspan')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked-no-delay id="" data-type="accordion" data-location="" data-name=" stand-out features " data-position="2" data-text=" Stand-out features " data-outcome="" data-variant="default" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }"> <h4 class="Accordion-title mr-2 md:flex-1 my-0"> <span class="text"> Stand-out features</span> </h4> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-span-classtext-stand-out-featuresspan')" :labelledBy="$id('heading-span-classtext-stand-out-featuresspan')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full has-links"> <ul> <li>Founded in 2014</li> <li>Educational resources and tools  </li> <li>Generous grace periods</li> </ul></div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-span-classtext-stand-out-featuresspan')" :labelledBy="$id('heading-span-classtext-stand-out-featuresspan')" role="region"> <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full has-links"> <ul> <li>Founded in 2014</li> <li>Educational resources and tools  </li> <li>Generous grace periods</li> </ul></div> </div> </div> </noscript> </li> </ul> </div> </article> <div class="vertical-spacer pt-8 trsy-pt-[--pt] w-full" style="content: ''; --pt: 2rem"></div> <article class="CloserLook"> <h3 class="CloserLook-title type-heading-four"> <div class="wysiwyg display-block w-full has-links"> <h3>Laurel Road: 2024 Bankrate Awards Winner for best student loan for refinancing</h3></div> </h3> <div class="CloserLook-logoRating mb-4 md:mb-2" data-testid="CloserLook-logo"> <div> <img src="https://www.bankrate.com/static/loans/logos/laurel road.png?auto=webp&fit=&width=200&format=pjpg" alt="Laurel Road" width="200"> </div> <div> <span class="display-flex align-items-center"> <div class="star-rating star-rating--number-size-sm align-center mr-1" style="font-size: 16px"> <span class="visually-hidden">Rating: 4.6 stars out of 5</span> <div class="star-rating__main-content"> <div class="star-rating__items-container"> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> <div class="star-rating__fill" style="width: 57%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> </div> </div> </div> </div> </div> <span class="type-body-one font-circular-bold text-black">4.6</span> </span> </div> </div> <div class="CloserLook-overview text-slate"> <div class="wysiwyg display-block w-full has-links"> <p><strong>Overview: </strong>Laurel Road is a lender with low rates and a robust online experience. Borrowers can choose a term of five, seven, 10, 15 or 20 years.</p></div> <div class="pb-8 pt-2"> <a class="Link" href="https://www.bankrate.com/loans/student-loans/reviews/laurel-road/">Read Bankrate's Expert Laurel Road Review</a> </div> </div> <div class="CloserLook-loanStats mt-4"> <div class="type-body-two display-flex font-circular-bold mb-3"> <div class="text-slate font-circular-book mr-4 flex-1">Fixed APR</div> 4.99%–8.90%</div> <div class="type-body-two display-flex font-circular-bold mb-4 border-t border-gray pt-2"> <div class="text-slate font-circular-book mr-4 flex-1">Loan amount</div> $5,000-100% amount borrowed</div> <div class="type-body-two display-flex font-circular-bold mb-3 border-t border-gray pt-2"> <div class="text-slate font-circular-book mr-4 flex-1">Loan term</div> 5-20 yrs</div> </div> <div class="CloserLook-accordions pt-4"> <ul class="Accordion w-full" data-cy="accordion-64d33710-08d8-44ca-b525-44f97e97b012"> <li x-id="['panel-span-classtext-who-it039s-forspan', 'heading-span-classtext-who-it039s-forspan']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item"> <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$id('heading-span-classtext-who-it039s-forspan')" :aria-controls="$id('panel-span-classtext-who-it039s-forspan')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked-no-delay id="" data-type="accordion" data-location="" data-name=" who it&#039;s for " data-position="1" data-text=" Who it&#039;s for " data-outcome="" data-variant="default" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }"> <h4 class="Accordion-title mr-2 md:flex-1 my-0"> <span class="text"> Who it's for</span> </h4> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-span-classtext-who-it039s-forspan')" :labelledBy="$id('heading-span-classtext-who-it039s-forspan')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full has-links"> <p>Laurel Road is best for students in healthcare who want to refinance their student loans. Many lenders do not refinance associate degree debt but Laurel Road does. </p></div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-span-classtext-who-it039s-forspan')" :labelledBy="$id('heading-span-classtext-who-it039s-forspan')" role="region"> <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full has-links"> <p>Laurel Road is best for students in healthcare who want to refinance their student loans. Many lenders do not refinance associate degree debt but Laurel Road does. </p></div> </div> </div> </noscript> </li> <li x-id="['panel-span-classtext-stand-out-featuresspan', 'heading-span-classtext-stand-out-featuresspan']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item"> <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$id('heading-span-classtext-stand-out-featuresspan')" :aria-controls="$id('panel-span-classtext-stand-out-featuresspan')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked-no-delay id="" data-type="accordion" data-location="" data-name=" stand-out features " data-position="2" data-text=" Stand-out features " data-outcome="" data-variant="default" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }"> <h4 class="Accordion-title mr-2 md:flex-1 my-0"> <span class="text"> Stand-out features</span> </h4> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-span-classtext-stand-out-featuresspan')" :labelledBy="$id('heading-span-classtext-stand-out-featuresspan')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full has-links"> <ul> <li>In business since 2013</li> <li>Special rates for those in the medical field </li> <li>No hard credit check</li> <li>No origination fee</li> </ul></div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-span-classtext-stand-out-featuresspan')" :labelledBy="$id('heading-span-classtext-stand-out-featuresspan')" role="region"> <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full has-links"> <ul> <li>In business since 2013</li> <li>Special rates for those in the medical field </li> <li>No hard credit check</li> <li>No origination fee</li> </ul></div> </div> </div> </noscript> </li> </ul> </div> </article> <div class="vertical-spacer pt-8 trsy-pt-[--pt] w-full" style="content: ''; --pt: 2rem"></div> <article class="CloserLook"> <h3 class="CloserLook-title type-heading-four"> <div class="wysiwyg display-block w-full has-links"> <h3>Splash Financial: Best student loan refinance company for low rates</h3></div> </h3> <div class="CloserLook-logoRating mb-4 md:mb-2" data-testid="CloserLook-logo"> <div> <img src="https://www.bankrate.com/static/loans/logos/Splash financial.png?auto=webp&fit=&width=200&format=pjpg" alt="Splash Financial" width="200"> </div> <div> <span class="display-flex align-items-center"> <div class="star-rating star-rating--number-size-sm align-center mr-1" style="font-size: 16px"> <span class="visually-hidden">Rating: 4 stars out of 5</span> <div class="star-rating__main-content"> <div class="star-rating__items-container"> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> <div class="star-rating__fill" style="width: 0%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> </div> </div> </div> </div> </div> <span class="type-body-one font-circular-bold text-black">4</span> </span> </div> </div> <div class="CloserLook-overview text-slate"> <div class="wysiwyg display-block w-full has-links"> <p><strong>Overview: </strong>Splash Financial is a lending marketplace that lets you refinance from $5,000 to the full amount of your loans. It doesn't lend money itself, but it partners with lenders to match you with one that meets your requirements and financial situation.</p></div> <div class="pb-8 pt-2"> <a class="Link" href="https://www.bankrate.com/loans/student-loans/reviews/splash-financial/">Read Bankrate's Expert Splash Financial Review</a> </div> </div> <div class="CloserLook-loanStats mt-4"> <div class="type-body-two display-flex font-circular-bold mb-3"> <div class="text-slate font-circular-book mr-4 flex-1">Fixed APR</div> 3.94%–10.24%</div> <div class="type-body-two display-flex font-circular-bold mb-4 border-t border-gray pt-2"> <div class="text-slate font-circular-book mr-4 flex-1">Loan amount</div> Starting at $5,000</div> <div class="type-body-two display-flex font-circular-bold mb-3 border-t border-gray pt-2"> <div class="text-slate font-circular-book mr-4 flex-1">Loan term</div> 5-25 yrs</div> </div> <div class="CloserLook-accordions pt-4"> <ul class="Accordion w-full" data-cy="accordion-d5d37e0b-60a2-4788-93d5-38bf95553b7d"> <li x-id="['panel-span-classtext-who-it039s-forspan', 'heading-span-classtext-who-it039s-forspan']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item"> <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$id('heading-span-classtext-who-it039s-forspan')" :aria-controls="$id('panel-span-classtext-who-it039s-forspan')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked-no-delay id="" data-type="accordion" data-location="" data-name=" who it&#039;s for " data-position="1" data-text=" Who it&#039;s for " data-outcome="" data-variant="default" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }"> <h4 class="Accordion-title mr-2 md:flex-1 my-0"> <span class="text"> Who it's for</span> </h4> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-span-classtext-who-it039s-forspan')" :labelledBy="$id('heading-span-classtext-who-it039s-forspan')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full has-links"> <p>Splash is suitable for borrowers looking for a competitive rate. It advertises some of the lowest rates for student loan refinancing for borrowers with good credit.</p> <p>Because Splash works with a variety of lenders, it advertises some of the lowest rates for student loan refinancing for borrowers with good credit.</p></div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-span-classtext-who-it039s-forspan')" :labelledBy="$id('heading-span-classtext-who-it039s-forspan')" role="region"> <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full has-links"> <p>Splash is suitable for borrowers looking for a competitive rate. It advertises some of the lowest rates for student loan refinancing for borrowers with good credit.</p> <p>Because Splash works with a variety of lenders, it advertises some of the lowest rates for student loan refinancing for borrowers with good credit.</p></div> </div> </div> </noscript> </li> <li x-id="['panel-span-classtext-stand-out-featuresspan', 'heading-span-classtext-stand-out-featuresspan']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item"> <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$id('heading-span-classtext-stand-out-featuresspan')" :aria-controls="$id('panel-span-classtext-stand-out-featuresspan')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked-no-delay id="" data-type="accordion" data-location="" data-name=" stand-out features " data-position="2" data-text=" Stand-out features " data-outcome="" data-variant="default" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }"> <h4 class="Accordion-title mr-2 md:flex-1 my-0"> <span class="text"> Stand-out features</span> </h4> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-span-classtext-stand-out-featuresspan')" :labelledBy="$id('heading-span-classtext-stand-out-featuresspan')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full has-links"> <ul> <li>Founded in 2013 </li> <li>Over $6 billion in student loan refinancing requests </li> <li>No fees origination fees</li> <li>Ability to skip one payment per year</li> </ul></div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-span-classtext-stand-out-featuresspan')" :labelledBy="$id('heading-span-classtext-stand-out-featuresspan')" role="region"> <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full has-links"> <ul> <li>Founded in 2013 </li> <li>Over $6 billion in student loan refinancing requests </li> <li>No fees origination fees</li> <li>Ability to skip one payment per year</li> </ul></div> </div> </div> </noscript> </li> </ul> </div> </article> <div class="vertical-spacer pt-8 trsy-pt-[--pt] w-full" style="content: ''; --pt: 2rem"></div> </div> <div data-beam-element-viewed id="what-is" data-type="" data-location="" data-name="" data-position="" data-text="" class="w-full"> <div class="wysiwyg display-inline has-links"> <h2>What is student loan refinancing?</h2> <p><a class="Link" href="https://www.bankrate.com/loans/student-loans/what-is-student-loan-refinancing/">Student loan refinancing</a> is the process of taking out a new loan to pay off your existing student loans. When you refinance your student loans, you may qualify for a lower interest rate and a different repayment timeline. The best <a class="Link" href="https://www.bankrate.com/loans/student-loans/student-loan-refinancing/">time to refinance your student loans</a> is when it saves you money on interest or lowers your monthly payments.</p> <p>Borrowers with good credit, in particular, will qualify for the best <a class="Link" href="https://www.bankrate.com/loans/student-loans/current-interest-rates/">student loan rates</a>. You can refinance both federal and private student loans, though it's usually best to avoid refinancing federal loans since they come with a number of perks that aren't available through private lenders.</p> <h3>Student loan refinancing requirements</h3> <p>Once you find a lender that best suits your financial situation, check the specific eligibility requirements with your lender. Though exact ones may vary, there are a few common <a class="Link" href="https://www.bankrate.com/loans/student-loans/requirements-for-student-loan-refinancing/">requirements for refinancing student loans</a> to be aware of.</p> <ul> <li><strong>Debt-to-income ratio:</strong> Your <a class="Link" href="https://www.bankrate.com/mortgages/ratio-debt-calculator/">debt-to-income ratio</a> (DTI) is a measurement of how much debt you've accumulated compared to your monthly earnings. You have a better chance of getting approved if your debt-to-income ratio is below 50 percent.</li> <li><strong>Credit score:</strong> When you apply for any loan, your credit score matters. Check your lender's credit score requirements before applying. If your credit score is in the mid-600s or lower, you may need to <a class="Link" href="https://www.bankrate.com/loans/student-loans/do-you-need-cosigner/">add a cosigner</a> to your loan to qualify.</li> <li><strong>Income:</strong> Lenders may impose a minimum income threshold, and they will likely want to see proof of employment — this tells them that you have the cash to make your monthly payments. Come prepared with recent paystubs, W2 forms or recent bank statements, as most lenders require documentation. </li> <li><strong>Refinancing amount:</strong> You will likely need to owe a minimum of $5,000 in student loans if you'd like to refinance. If you have less than that, most lenders won't work with you.</li> <li><strong>Degree:</strong> You'll typically need a completed college degree to be eligible for student loan refinancing, though some lenders accept borrowers regardless of degree status.</li> </ul> <p>If the lender you're considering offers a <a class="Link" href="https://bankrate.com/loans/student-loans/prequalification?cid=070c44a5-cfcf-46a2-a302-411568360bf8">prequalification</a> tool, you can see your estimated rate based on your general financial history with a soft credit inquiry, which won't hurt your credit score.</p></div> <div class="vertical-spacer pt-8 trsy-pt-[--pt] w-full" style="content: ''; --pt: 2rem"></div> </div> <div data-beam-element-viewed id="should-you-refinance" data-type="" data-location="" data-name="" data-position="" data-text="" class="w-full"> <div class="wysiwyg display-inline has-links"> <h2>Should I refinance my student loans?</h2> <p>Refinancing your student loans makes financial sense only if the loan you apply for has a <a class="Link" href="https://www.bankrate.com/loans/student-loans/how-to-get-student-loan/">lower interest rate</a> than the current interest rate of your student loans. You can use a <a class="Link" href="https://www.bankrate.com/loans/student-loans/student-loan-calculator/">loan calculator</a> to determine your current monthly payment versus that of the loan you're considering. </p> <p>While you may decide to refinance to a longer term to lower your monthly payments, keep in mind that this means you'll likely increase the overall cost of your loan through interest accrual.</p> <p>Whether you should refinance also depends on what type of loans you have. Refinancing could be smart if you have private loans, but you'll lose benefits if you refinance <a class="Link" href="https://www.bankrate.com/loans/student-loans/federal-student-loans/">federal loans</a>. These benefits include:</p> <ul> <li><strong>Income-driven repayment plans (IDRs): </strong><a class="Link" href="https://www.bankrate.com/loans/student-loans/income-driven-repayment/">An IDR</a> can create lower monthly payments based on your income and family size and any remaining balance after your repayment term ends could be forgiven.</li> <li><strong>Loan forgiveness programs:</strong> These <a class="Link" href="https://www.bankrate.com/loans/student-loans/qualify-for-student-loan-forgiveness-programs">programs forgive loan balances</a> for those in qualifying careers, like public service, those with permanent disabilities and those whose schools engaged in misconduct or fraud.</li> <li><strong>Deferment and forbearance options: </strong>Borrowers in a temporary financial bind may be able to suspend their payments until they get their footing. However, interest will continue to accrue, and they won't be able to make progress toward forgiveness during this time.</li> </ul></div> <div class="vertical-spacer pt-8 trsy-pt-[--pt] w-full" style="content: ''; --pt: 2rem"></div> <div class="wysiwyg display-block w-full has-links"> <h3>Pros and cons of refinancing student loans</h3> <p>Before choosing a lender, consider whether refinancing your student loans is the best move for your current situation.</p></div> <div class="ProsAndConsTable"> <div class="ProsAndConsItem"> <div class="ProsAndConsItem-headerContainer"> <div> <img src="https://www.bankrate.com/v5.1690.0/next/img/svg/circle-check.svg" alt="Green circle with a checkmark inside"> </div> <h3 class="ProsAndConsItem-header"> Pros </h3> </div> <ul class="ProsAndConsItem-list"> <li>Consolidate several student loans into one loan with one payment each month.</li> <li>Possibly secure a lower interest rate.</li> <li>Extend your repayment period for a lower monthly payment.</li> </ul> </div> <div class="ProsAndConsItem"> <div class="ProsAndConsItem-headerContainer"> <div> <img src="https://www.bankrate.com/v5.1690.0/next/img/svg/remove-circle.svg" alt="Red circle with an X inside"> </div> <h3 class="ProsAndConsItem-header"> Cons </h3> </div> <ul class="ProsAndConsItem-list"> <li>Private lenders usually require good or excellent credit (or a co-signer) to qualify.</li> <li>You lose opportunities for deferment, forbearance and income-driven repayment plans if you refinance federal loans.</li> <li>You lock yourself into another repayment plan.</li> </ul> </div> </div> <div class="vertical-spacer pt-8 trsy-pt-[--pt] w-full" style="content: ''; --pt: 2rem"></div> <div class="SupplementaryLink"> Learn more: <a class=" " href="https://www.bankrate.com/loans/student-loans/refinance-student-loans-during-covid/" target=""data-beam-element-clicked data-type="link" data-location="https://www.bankrate.com/loans/student-loans/refinance-rates/" data-name="Learn more link" data-position="middle" data-text="Should you refinance student loans now that the payment pause has ended?" data-outcome="send to page" > Should you refinance student loans now that the payment pause has ended?</a> </div> <div class="AskTheExperts border-gray-mid border rounded-lg bg-gray-light gap-4 p-8" x-data="{ author_id_active: '1130' }"> <div class="display-flex align-items-center pb-4"> <svg class="mr-4" width="32" height="32" viewBox="0 0 32 32" fill="none" xmlns="http://www.w3.org/2000/svg"> <title>Bankrate logo</title> <rect width="32" height="32" rx="4" fill="#0157FF" /> <path fill="#ffffff" fill-rule="evenodd" clip-rule="evenodd" d="M20.0705 16.0299C19.7404 15.7036 19.364 15.4236 18.9524 15.1982C19.0949 15.0614 19.2272 14.915 19.3482 14.7602C20.0268 13.8733 20.3526 12.7829 20.267 11.6857C20.196 10.5387 19.6941 9.45526 18.8542 8.63624C17.8763 7.72575 16.5555 7.23461 15.1936 7.27505H10.4727V24.7238H16.0372C17.4884 24.7756 18.898 24.2532 19.936 23.2787C20.9739 22.3042 21.549 20.9633 21.5266 19.5701C21.5446 18.2523 21.0215 16.9807 20.0705 16.0299ZM15.1936 9.3099C17.1091 9.3099 18.0539 10.5713 18.1405 11.8216C18.2068 13.1109 17.2481 14.2402 15.9188 14.4386H12.5934V9.3099H15.1936ZM12.5934 22.6889H16.0286H16.0372C18.3717 22.6889 19.4147 21.0727 19.4147 19.5701C19.4147 18.1341 18.4526 16.4707 15.731 16.4707H12.5934V22.6889Z" /> </svg><div class="text-xs font-eyebrow font-bold" style="letter-spacing: 0.1em;">BANKRATE EXPERT FAQ</div> </div> <h3 class="type-heading-three w-full mb-4"> Ask the experts: When should you refinance a student loan?</h3> <div class="AskTheExperts-panel flex-direction-column md:flex-direction-row -m-2" role="list"> <div class="AskTheExperts-panelItem p-2" role="listitem"> <button id="AskTheExperts-tab-1" class="AskTheExperts-panelAuthor rounded bg-white p-4" x-on:click="author_id_active = '1130'" role="button" aria-label="Author name Mark Kantrowitz"> <img srcset="https://www.bankrate.com/2021/04/14102206/Mark-Kantrowitz-Square.jpg?auto=webp&quality=85&width=48&height=48&fit=cover&enable=upscale&crop=1:1,smart&dpr=1.5 1.5x, https://www.bankrate.com/2021/04/14102206/Mark-Kantrowitz-Square.jpg?auto=webp&quality=85&width=48&height=48&fit=cover&enable=upscale&crop=1:1,smart&dpr=2 2x, https://www.bankrate.com/2021/04/14102206/Mark-Kantrowitz-Square.jpg?auto=webp&quality=85&width=48&height=48&fit=cover&enable=upscale&crop=1:1,smart&dpr=3 3x" src="https://www.bankrate.com/2021/04/14102206/Mark-Kantrowitz-Square.jpg?auto=webp&quality=85&width=48&height=48&fit=cover&enable=upscale&crop=1:1,smart" loading="lazy" class="AuthorAvatar AuthorAvatar--md flex-shrink-0" alt=""> <p class="font-bold m-0 ml-4" aria-hidden="true">Mark Kantrowitz</p> </button> </div> <div class="AskTheExperts-panelItem p-2" role="listitem"> <button id="AskTheExperts-tab-2" class="AskTheExperts-panelAuthor rounded bg-white p-4" x-on:click="author_id_active = '944'" role="button" aria-label="Author name Hanneh Bareham"> <img srcset="https://www.bankrate.com/2021/10/12092359/New-headshot.jpg?auto=webp&quality=85&width=48&height=48&fit=cover&enable=upscale&crop=1:1,smart&dpr=1.5 1.5x, https://www.bankrate.com/2021/10/12092359/New-headshot.jpg?auto=webp&quality=85&width=48&height=48&fit=cover&enable=upscale&crop=1:1,smart&dpr=2 2x, https://www.bankrate.com/2021/10/12092359/New-headshot.jpg?auto=webp&quality=85&width=48&height=48&fit=cover&enable=upscale&crop=1:1,smart&dpr=3 3x" src="https://www.bankrate.com/2021/10/12092359/New-headshot.jpg?auto=webp&quality=85&width=48&height=48&fit=cover&enable=upscale&crop=1:1,smart" loading="lazy" class="AuthorAvatar AuthorAvatar--md flex-shrink-0" alt=""> <p class="font-bold m-0 ml-4" aria-hidden="true">Hanneh Bareham</p> </button> </div> </div> <hr class="w-full border-gray-mid border mx-0 my-2"> <div class="AskTheExperts-details" role="tabpanel"> <div x-show="author_id_active == '1130'" aria-labelledby="AskTheExperts-tab-1" role="tabpanel" style=""> <div class="AskTheExperts-detailsItem"> <a class="AskTheExperts-detailsAuthor no-underline" href="https://www.bankrate.com/authors/mark-kantrowitz/"> <img srcset="https://www.bankrate.com/2021/04/14102206/Mark-Kantrowitz-Square.jpg?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart&dpr=1.5 1.5x, https://www.bankrate.com/2021/04/14102206/Mark-Kantrowitz-Square.jpg?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart&dpr=2 2x, https://www.bankrate.com/2021/04/14102206/Mark-Kantrowitz-Square.jpg?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart&dpr=3 3x" src="https://www.bankrate.com/2021/04/14102206/Mark-Kantrowitz-Square.jpg?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart" loading="lazy" class="AuthorAvatar AuthorAvatar--lg flex-shrink-0" alt=""> <div class="ml-6"> <p class="type-heading-four Link border-0 m-0 mb-1">Mark Kantrowitz</p> <p class="text-slate m-0">Nationally recognized student financial aid expert</p> </div> </a> <div class="w-full mt-4 border-gray-mid border rounded bg-white p-4"> <p class="type-body-two text-gray-dark m-0"> "There are two ways of refinancing a student loan. For federal loans, you can obtain a Federal Direct Consolidation Loan. This combines multiple federal education loans into a single loan, making it easier to repay. You may be able to qualify for alternate repayment plans by consolidating. Consolidation doesn't really change the cost of the loan, since the interest rate on a consolidation loan is the weighted average of the interest rates on the loans included in the consolidation loan, rounded up to the nearest 1/8th of a percentage point. If you choose a longer repayment term, the monthly payment may decrease, but you will be in debt for longer and pay more interest over the life of the loan. For federal and private student loans, you can obtain a private refi, which pays off the old loans with a new private student loan. The interest rate on the private refi is based on your credit score, and the credit score of your cosigner if any. If your credit scores have improved a lot, you may be able to qualify for a lower interest rate. A private refi can also change the repayment term, which can affect the size of the monthly student loan payment. Thus, there are several possible reasons to refinance a student loan, such as changing the loan servicer, changing the repayment plan or repayment term, changing the monthly payment, and obtaining a different interest rate."</p> </div> </div> </div> <div x-show="author_id_active == '944'" aria-labelledby="AskTheExperts-tab-2" role="tabpanel" style="display: none;"> <div class="AskTheExperts-detailsItem"> <a class="AskTheExperts-detailsAuthor no-underline" href="https://www.bankrate.com/authors/hanneh-bareham/"> <img srcset="https://www.bankrate.com/2021/10/12092359/New-headshot.jpg?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart&dpr=1.5 1.5x, https://www.bankrate.com/2021/10/12092359/New-headshot.jpg?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart&dpr=2 2x, https://www.bankrate.com/2021/10/12092359/New-headshot.jpg?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart&dpr=3 3x" src="https://www.bankrate.com/2021/10/12092359/New-headshot.jpg?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart" loading="lazy" class="AuthorAvatar AuthorAvatar--lg flex-shrink-0" alt=""> <div class="ml-6"> <p class="type-heading-four Link border-0 m-0 mb-1">Hanneh Bareham</p> <p class="text-slate m-0">Writer, Personal Loans and Debt Relief</p> </div> </a> <div class="w-full mt-4 border-gray-mid border rounded bg-white p-4"> <p class="type-body-two text-gray-dark m-0"> "Refinancing is only a good idea if you fit within the two categories: you have a hard time organizing your student loan payments and you'd qualify for a lower interest rate with a new loan. Most lenders offer a prequalification tool that allows you to see what your predicted rates would be if you were to qualify. If you have fairly high rates on your existing loans, it may be a good option to refinance. However, be certain you’re scoring a lower rate with a refinance loan. Due to the current high-rate environment, unless you have sky-high rates and a stellar credit score, it may not make sense to refinance until rates cool off."</p> </div> </div> </div> </div> </div> <div class="vertical-spacer pt-8 trsy-pt-[--pt] w-full" style="content: ''; --pt: 2rem"></div> </div> <div data-beam-element-viewed id="how-to" data-type="" data-location="" data-name="" data-position="" data-text="" class="w-full"> <div class="wysiwyg display-inline has-links"> <h2>How to refinance a student loan</h2> <p>Just as you did when initially borrowing for your education, the student loan refinancing process requires you to apply for a new loan. This loan will pay off your remaining student loan balance and have new terms and rates. Borrowers often choose to refinance to lower their rate or extend their term. However, while a longer term may lower your monthly payment, it can cause you to pay more in total interest.</p> <p>The process to refinance your student loan requires the following 5 steps: </p> <ol> <li><strong>Determine if refinancing is the best option: </strong>First and foremost, you must consider if this is the right financial move. Will you truly save money in the long run or will your monthly payment just reduce slightly?</li> <li><strong>Research lenders: </strong>There are many options available when it comes to refinancing your loan. Compile a list of potential lenders so you can compare features and rates. </li> <li><strong>Shop for the best loan options: </strong>Every lender has its own acceptance criteria based on your credit score and loan. Shop around with many lenders to ensure you are getting the best new loan for your needs. </li> <li><strong>Submit a loan application: </strong>To apply for a loan you will likely need to share information on your current student loan, personal contact information and any cosigner documents. </li> <li><strong>Transfer payments to your new lender: </strong>Make sure that your old loan closes so you can begin making payments on your new loan. Be on the lookout for a payoff letter from your old lender to confirm the process has been completed. </li> </ol></div> <div class="SupplementaryLink"> Learn more: <a class=" " href="https://www.bankrate.com/loans/student-loans/how-to-refinance-student-loans/" target=""data-beam-element-clicked data-type="link" data-location="https://www.bankrate.com/loans/student-loans/refinance-rates/" data-name="Learn more link" data-position="middle" data-text="How to refinance your student loans " data-outcome="send to page" > How to refinance your student loans</a> </div> </div> <div data-beam-element-viewed id="faqs" data-type="" data-location="" data-name="" data-position="" data-text="" class="w-full"> <div class="vertical-spacer pt-8 trsy-pt-[--pt] w-full" style="content: ''; --pt: 2rem"></div> <div class="wysiwyg display-inline has-links"> <h2 id="faqs" class="text-left"><strong>FAQs about refinancing student loans</strong></h2></div> <div class="vertical-spacer pt-8 trsy-pt-[--pt] w-full" style="content: ''; --pt: 2rem"></div> <ul class="Accordion w-full" data-cy="accordion-d06ff109-5361-47d8-bd1a-1ee228312c1b"> <li x-id="['panel-what-credit-score-do-i-need-to-refinance-my-student-loans', 'heading-what-credit-score-do-i-need-to-refinance-my-student-loans']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item"> <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$id('heading-what-credit-score-do-i-need-to-refinance-my-student-loans')" :aria-controls="$id('panel-what-credit-score-do-i-need-to-refinance-my-student-loans')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked-no-delay id="" data-type="accordion" data-location="" data-name=" what credit score do i need to refinance my student loans? " data-position="1" data-text=" What credit score do I need to refinance my student loans? " data-outcome="" data-variant="default" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }"> <h3 class="Accordion-title mr-2 md:flex-1 my-0"> <span class="text"> What credit score do I need to refinance my student loans?</span> </h3> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-what-credit-score-do-i-need-to-refinance-my-student-loans')" :labelledBy="$id('heading-what-credit-score-do-i-need-to-refinance-my-student-loans')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-inline has-links"> <p>Credit score requirements vary from lender to lender, but you'll likely need a credit score in the mid to high 600s to refinance your student loans. If you want to <a class="Link" href="https://www.bankrate.com/loans/student-loans/how-to-refinance-with-bad-credit/">refinance but have poor credit</a>, you may be eligible to refinance your loans with the help of a co-signer who has a credit score in that range.</p></div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-what-credit-score-do-i-need-to-refinance-my-student-loans')" :labelledBy="$id('heading-what-credit-score-do-i-need-to-refinance-my-student-loans')" role="region"> <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-inline has-links"> <p>Credit score requirements vary from lender to lender, but you'll likely need a credit score in the mid to high 600s to refinance your student loans. If you want to <a class="Link" href="https://www.bankrate.com/loans/student-loans/how-to-refinance-with-bad-credit/">refinance but have poor credit</a>, you may be eligible to refinance your loans with the help of a co-signer who has a credit score in that range.</p></div> </div> </div> </noscript> </li> <li x-id="['panel-will-refinancing-affect-my-credit-score', 'heading-will-refinancing-affect-my-credit-score']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item"> <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$id('heading-will-refinancing-affect-my-credit-score')" :aria-controls="$id('panel-will-refinancing-affect-my-credit-score')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked-no-delay id="" data-type="accordion" data-location="" data-name=" will refinancing affect my credit score? " data-position="2" data-text=" Will refinancing affect my credit score? " data-outcome="" data-variant="default" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }"> <h3 class="Accordion-title mr-2 md:flex-1 my-0"> <span class="text"> Will refinancing affect my credit score?</span> </h3> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-will-refinancing-affect-my-credit-score')" :labelledBy="$id('heading-will-refinancing-affect-my-credit-score')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-inline has-links"> <p>When you apply for refinancing, your credit score may drop a few points, since the lender will perform a hard inquiry on your credit report. You may also lose a few points if refinancing causes the average age of your accounts to drop. However, in the long run, refinancing may actually be beneficial for your credit score if it helps you make payments on time and pay off your debt more quickly.</p></div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-will-refinancing-affect-my-credit-score')" :labelledBy="$id('heading-will-refinancing-affect-my-credit-score')" role="region"> <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-inline has-links"> <p>When you apply for refinancing, your credit score may drop a few points, since the lender will perform a hard inquiry on your credit report. You may also lose a few points if refinancing causes the average age of your accounts to drop. However, in the long run, refinancing may actually be beneficial for your credit score if it helps you make payments on time and pay off your debt more quickly.</p></div> </div> </div> </noscript> </li> <li x-id="['panel-can-i-refinance-only-part-of-my-student-loans', 'heading-can-i-refinance-only-part-of-my-student-loans']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item"> <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$id('heading-can-i-refinance-only-part-of-my-student-loans')" :aria-controls="$id('panel-can-i-refinance-only-part-of-my-student-loans')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked-no-delay id="" data-type="accordion" data-location="" data-name=" can i refinance only part of my student loans? " data-position="3" data-text=" Can I refinance only part of my student loans? " data-outcome="" data-variant="default" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }"> <h3 class="Accordion-title mr-2 md:flex-1 my-0"> <span class="text"> Can I refinance only part of my student loans?</span> </h3> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-can-i-refinance-only-part-of-my-student-loans')" :labelledBy="$id('heading-can-i-refinance-only-part-of-my-student-loans')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-inline has-links"> <div><span id="docs-internal-guid-cf4d9387-7fff-a890-78c9-b64b420d16d0">You can refinance some or all of your student loan debt. Many borrowers with a mix of private and federal loans choose to refinance only the private student debt to retain federal benefits. You may also choose to refinance only the loans with the highest interest rates and keep the loans with lower interest rates.</span></div></div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-can-i-refinance-only-part-of-my-student-loans')" :labelledBy="$id('heading-can-i-refinance-only-part-of-my-student-loans')" role="region"> <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-inline has-links"> <div><span id="docs-internal-guid-cf4d9387-7fff-a890-78c9-b64b420d16d0">You can refinance some or all of your student loan debt. Many borrowers with a mix of private and federal loans choose to refinance only the private student debt to retain federal benefits. You may also choose to refinance only the loans with the highest interest rates and keep the loans with lower interest rates.</span></div></div> </div> </div> </noscript> </li> <li x-id="['panel-what-is-the-difference-between-student-loan-consolidation-and-refinancing', 'heading-what-is-the-difference-between-student-loan-consolidation-and-refinancing']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item"> <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$id('heading-what-is-the-difference-between-student-loan-consolidation-and-refinancing')" :aria-controls="$id('panel-what-is-the-difference-between-student-loan-consolidation-and-refinancing')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked-no-delay id="" data-type="accordion" data-location="" data-name=" what is the difference between student loan consolidation and refinancing? " data-position="4" data-text=" What is the difference between student loan consolidation and refinancing? " data-outcome="" data-variant="default" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }"> <h3 class="Accordion-title mr-2 md:flex-1 my-0"> <span class="text"> What is the difference between student loan consolidation and refinancing?</span> </h3> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-what-is-the-difference-between-student-loan-consolidation-and-refinancing')" :labelledBy="$id('heading-what-is-the-difference-between-student-loan-consolidation-and-refinancing')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-inline has-links"> <div> <p dir="ltr">Student loan consolidation involves combining federal student loans into one federal Direct Consolidation Loan. This gives you a fixed interest rate based on the weighted average of your current loans' interest rates. You won't lose federal protections.</p> <p dir="ltr">Student loan refinancing is taking out a new loan with a different interest rate and terms to pay off your existing loans. You can refinance both federal and private loans, but the process must be done with a private lender.</p> <span id="docs-internal-guid-3a034aa9-7fff-df70-0987-8fc2e7a2cd62"></span></div> <div>Learn more: <a class="Link" href="https://www.bankrate.com/loans/student-loans/refinancing-vs-consolidation/">The difference between student loan refinancing and consolidation</a></div></div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-what-is-the-difference-between-student-loan-consolidation-and-refinancing')" :labelledBy="$id('heading-what-is-the-difference-between-student-loan-consolidation-and-refinancing')" role="region"> <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-inline has-links"> <div> <p dir="ltr">Student loan consolidation involves combining federal student loans into one federal Direct Consolidation Loan. This gives you a fixed interest rate based on the weighted average of your current loans' interest rates. You won't lose federal protections.</p> <p dir="ltr">Student loan refinancing is taking out a new loan with a different interest rate and terms to pay off your existing loans. You can refinance both federal and private loans, but the process must be done with a private lender.</p> <span id="docs-internal-guid-3a034aa9-7fff-df70-0987-8fc2e7a2cd62"></span></div> <div>Learn more: <a class="Link" href="https://www.bankrate.com/loans/student-loans/refinancing-vs-consolidation/">The difference between student loan refinancing and consolidation</a></div></div> </div> </div> </noscript> </li> <li x-id="['panel-how-do-i-choose-between-a-fixed-rate-and-a-variable-rate-loan', 'heading-how-do-i-choose-between-a-fixed-rate-and-a-variable-rate-loan']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item"> <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$id('heading-how-do-i-choose-between-a-fixed-rate-and-a-variable-rate-loan')" :aria-controls="$id('panel-how-do-i-choose-between-a-fixed-rate-and-a-variable-rate-loan')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked-no-delay id="" data-type="accordion" data-location="" data-name=" how do i choose between a fixed-rate and a variable-rate loan? " data-position="5" data-text=" How do I choose between a fixed-rate and a variable-rate loan? " data-outcome="" data-variant="default" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }"> <h3 class="Accordion-title mr-2 md:flex-1 my-0"> <span class="text"> How do I choose between a fixed-rate and a variable-rate loan?</span> </h3> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-how-do-i-choose-between-a-fixed-rate-and-a-variable-rate-loan')" :labelledBy="$id('heading-how-do-i-choose-between-a-fixed-rate-and-a-variable-rate-loan')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-inline has-links"> <p dir="ltr">Most private lenders will let you refinance with either a fixed or a variable interest rate. With a fixed rate, your interest rate will never change, meaning your monthly payment will remain consistent. With a variable interest rate, your interest rate fluctuates based on market conditions.</p> <p><span id="docs-internal-guid-f778b0f6-7fff-8c0f-f6ec-287870681605"></span></p> <p dir="ltr">The choice between a fixed or variable rate depends on your risk tolerance. If you value predictability in your finances, a fixed rate is a better choice — particularly if rates are low. You have the chance to save more money with a variable interest rate if interest rates fall, but the inverse is true as well. Interest rates could rise during your repayment term, costing you more money overall unless you can pay off your loan early.</p></div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-how-do-i-choose-between-a-fixed-rate-and-a-variable-rate-loan')" :labelledBy="$id('heading-how-do-i-choose-between-a-fixed-rate-and-a-variable-rate-loan')" role="region"> <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-inline has-links"> <p dir="ltr">Most private lenders will let you refinance with either a fixed or a variable interest rate. With a fixed rate, your interest rate will never change, meaning your monthly payment will remain consistent. With a variable interest rate, your interest rate fluctuates based on market conditions.</p> <p><span id="docs-internal-guid-f778b0f6-7fff-8c0f-f6ec-287870681605"></span></p> <p dir="ltr">The choice between a fixed or variable rate depends on your risk tolerance. If you value predictability in your finances, a fixed rate is a better choice — particularly if rates are low. You have the chance to save more money with a variable interest rate if interest rates fall, but the inverse is true as well. Interest rates could rise during your repayment term, costing you more money overall unless you can pay off your loan early.</p></div> </div> </div> </noscript> </li> </ul> <div class="vertical-spacer pt-8 trsy-pt-[--pt] w-full" style="content: ''; --pt: 2rem"></div> </div> <div data-beam-element-viewed id="methodology" data-type="" data-location="" data-name="" data-position="" data-text="" class="w-full"> <div class="wysiwyg display-inline has-links"> <h2>How we chose the best student loan refinancing lenders </h2></div> <div class="MethodologyDetails w-full display-flex flex-direction-column rounded-lg box-shadow-2"> <div class="MethodologyDetails-heading display-flex flex-direction-column gap-y-2 sm:flex-direction-row sm:gap-x-2 justify-content-space-between mx-6 my-4"> <div class="display-flex flex-direction-column sm:flex-direction-row"> <span class="h-7 sm:h-6" aria-hidden="true"> <svg width="24" height="24" class="mr-0 mb-1 sm:mr-4 sm:mb-0 display-inline" width="32" height="32" viewBox="0 0 32 32" fill="none" xmlns="http://www.w3.org/2000/svg"> <title>Bankrate logo</title> <rect width="32" height="32" rx="4" fill="#0157FF" /> <path fill="#ffffff" fill-rule="evenodd" clip-rule="evenodd" d="M20.0705 16.0299C19.7404 15.7036 19.364 15.4236 18.9524 15.1982C19.0949 15.0614 19.2272 14.915 19.3482 14.7602C20.0268 13.8733 20.3526 12.7829 20.267 11.6857C20.196 10.5387 19.6941 9.45526 18.8542 8.63624C17.8763 7.72575 16.5555 7.23461 15.1936 7.27505H10.4727V24.7238H16.0372C17.4884 24.7756 18.898 24.2532 19.936 23.2787C20.9739 22.3042 21.549 20.9633 21.5266 19.5701C21.5446 18.2523 21.0215 16.9807 20.0705 16.0299ZM15.1936 9.3099C17.1091 9.3099 18.0539 10.5713 18.1405 11.8216C18.2068 13.1109 17.2481 14.2402 15.9188 14.4386H12.5934V9.3099H15.1936ZM12.5934 22.6889H16.0286H16.0372C18.3717 22.6889 19.4147 21.0727 19.4147 19.5701C19.4147 18.1341 18.4526 16.4707 15.731 16.4707H12.5934V22.6889Z" /> </svg></span> <h3 class="type-body-one text-crop-none p-0 m-0"> Bankrate's trusted personal loans industry expertise </h3> </div> <div class="SimpleLink"> <a class="Link Link--standalone text-base trsy-text-base" href="https://www.bankrate.com/loans/personal-loans/lender-review-methodology/" > Read our full methodology</a> </div></div> <hr class="border-gray-light border-solid border-b-2 m-0 p-0" aria-hidden="true"> <div class="display-flex flex-direction-column gap-y-6 mx-6 mt-4 mb-6"> <p class="m-0 p-0 text-slate"> </p> <div class="MethodologyDetails-categories display-flex p-4 sm:py-4 sm:px-16 justify-content-space-between align-items-flex-start align-content-flex-start gap-x-2 gap-y-8 align-self-stretch flex-wrap sm:flex-nowrap"> <div class="MethodologyCategory display-flex flex-direction-column text-left sm:text-center"> <p class="display-flex align-items-flex-end m-0 p-0 w-full justify-content-flex-start sm:justify-content-center flex-wrap"> <span class="type-heading-two font-circular-bold leading-10 font-bold">48</span> </p> <p class="MethodologyCategory-label display-block text-slate m-0 p-0 mt-1">years in business</p> </div> <div class="MethodologyCategory display-flex flex-direction-column text-left sm:text-center"> <p class="display-flex align-items-flex-end m-0 p-0 w-full justify-content-flex-start sm:justify-content-center flex-wrap"> <span class="type-heading-two font-circular-bold leading-10 font-bold">15</span> </p> <p class="MethodologyCategory-label display-block text-slate m-0 p-0 mt-1">lenders reviewed</p> </div> <div class="MethodologyCategory display-flex flex-direction-column text-left sm:text-center"> <p class="display-flex align-items-flex-end m-0 p-0 w-full justify-content-flex-start sm:justify-content-center flex-wrap"> <span class="type-heading-two font-circular-bold leading-10 font-bold">13</span> </p> <p class="MethodologyCategory-label display-block text-slate m-0 p-0 mt-1">loan features weighed</p> </div> <div class="MethodologyCategory display-flex flex-direction-column text-left sm:text-center"> <p class="display-flex align-items-flex-end m-0 p-0 w-full justify-content-flex-start sm:justify-content-center flex-wrap"> <span class="type-heading-two font-circular-bold leading-10 font-bold">195</span> </p> <p class="MethodologyCategory-label display-block text-slate m-0 p-0 mt-1">data points collected</p> </div> </div> </div> </div> <div class="vertical-spacer pt-8 trsy-pt-[--pt] w-full" style="content: ''; --pt: 2rem"></div> <div class="wysiwyg display-inline has-links"> <p>The Bankrate team evaluated over a dozen lenders to select our top picks for the best student refi loans. To do this, Bankrate uses a 13-point system to evaluate student loan refinance products. This scoring criteria measures how lenders perform across <a class="Link" href="https://www.bankrate.com/loans/student-loans/lender-review-methodology/">three main categories</a>.</p></div> <ul class="Accordion w-full" data-cy="accordion-a8d6fde2-fa72-4d97-8ac8-3433fbc510e5"> <li x-id="['panel-span-classtext-availabilityspan', 'heading-span-classtext-availabilityspan']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item"> <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$id('heading-span-classtext-availabilityspan')" :aria-controls="$id('panel-span-classtext-availabilityspan')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked-no-delay id="" data-type="accordion" data-location="" data-name=" availability " data-position="1" data-text=" Availability " data-outcome="" data-variant="default" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }"> <h3 class="Accordion-title mr-2 md:flex-1 my-0"> <span class="text"> Availability</span> </h3> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-span-classtext-availabilityspan')" :labelledBy="$id('heading-span-classtext-availabilityspan')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full has-links"> <p>Minimum and maximum loan amounts, state availability and repayment options are included in this category. Lenders that offer the most flexibility and have the widest service footprint receive higher scores.</p></div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-span-classtext-availabilityspan')" :labelledBy="$id('heading-span-classtext-availabilityspan')" role="region"> <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full has-links"> <p>Minimum and maximum loan amounts, state availability and repayment options are included in this category. Lenders that offer the most flexibility and have the widest service footprint receive higher scores.</p></div> </div> </div> </noscript> </li> <li x-id="['panel-span-classtext-affordabilityspan', 'heading-span-classtext-affordabilityspan']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item"> <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$id('heading-span-classtext-affordabilityspan')" :aria-controls="$id('panel-span-classtext-affordabilityspan')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked-no-delay id="" data-type="accordion" data-location="" data-name=" affordability " data-position="2" data-text=" Affordability " data-outcome="" data-variant="default" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }"> <h3 class="Accordion-title mr-2 md:flex-1 my-0"> <span class="text"> Affordability</span> </h3> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-span-classtext-affordabilityspan')" :labelledBy="$id('heading-span-classtext-affordabilityspan')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full has-links"> <p>Fixed and variable interest rates, fees, penalties and discounts are measured in this category. Higher scores go to lenders with the lowest rates, fewer fees and multiple discounts.</p></div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-span-classtext-affordabilityspan')" :labelledBy="$id('heading-span-classtext-affordabilityspan')" role="region"> <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full has-links"> <p>Fixed and variable interest rates, fees, penalties and discounts are measured in this category. Higher scores go to lenders with the lowest rates, fewer fees and multiple discounts.</p></div> </div> </div> </noscript> </li> <li x-id="['panel-span-classtext-customer-experiencespan', 'heading-span-classtext-customer-experiencespan']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item"> <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$id('heading-span-classtext-customer-experiencespan')" :aria-controls="$id('panel-span-classtext-customer-experiencespan')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked-no-delay id="" data-type="accordion" data-location="" data-name=" customer experience " data-position="3" data-text=" Customer experience " data-outcome="" data-variant="default" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }"> <h3 class="Accordion-title mr-2 md:flex-1 my-0"> <span class="text"> Customer experience</span> </h3> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-span-classtext-customer-experiencespan')" :labelledBy="$id('heading-span-classtext-customer-experiencespan')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full has-links"> <p>An online application and account management tools, customer support hours and repayment options are all considered in this category. We also consider whether a well-rated app is available as a bonus.</p></div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-span-classtext-customer-experiencespan')" :labelledBy="$id('heading-span-classtext-customer-experiencespan')" role="region"> <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full has-links"> <p>An online application and account management tools, customer support hours and repayment options are all considered in this category. We also consider whether a well-rated app is available as a bonus.</p></div> </div> </div> </noscript> </li> </ul> <div class="wysiwyg display-inline has-links"> <p class="text-slate text-gray-700 text-sm">Editorial disclosure: All reviews are prepared by Bankrate.com staff. Opinions expressed therein are solely those of the reviewer and have not been reviewed or approved by any advertiser. The information, including rates and fees, presented in the review is accurate as of the date of the review. 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All Rights Reserved. </p> </div> </div> <div class="preamp-footer-placement"></div> <div class="preamp-footer-placement"></div> </footer> <div id="modalStack" class="pos-relative" style="z-index: 999;"></div> <link rel="stylesheet" href="https://www.bankrate.com/calculators/v1.494.0/simple-refinance/main.css"> <link rel="modulepreload" href="https://www.bankrate.com/v5.1690.0/next/build/assets/alpine-D-xUEzKl.js" /><link rel="modulepreload" href="https://www.bankrate.com/v5.1690.0/next/build/assets/module.esm-BVmYX9MG.js" /><script type="module" src="https://www.bankrate.com/v5.1690.0/next/build/assets/alpine-D-xUEzKl.js"></script><link rel="modulepreload" href="https://www.bankrate.com/v5.1690.0/next/build/assets/classy-CmgLGdpb.js" /><script type="module" src="https://www.bankrate.com/v5.1690.0/next/build/assets/classy-CmgLGdpb.js"></script><link rel="modulepreload" href="https://www.bankrate.com/v5.1690.0/next/build/assets/modal-CmzQ4Z88.js" /><script type="module" src="https://www.bankrate.com/v5.1690.0/next/build/assets/modal-CmzQ4Z88.js"></script><script> window.calculatorConfig = {}; </script> <script src="https://www.bankrate.com/calculators/v1.494.0/simple-refinance/bundle.js" defer="defer"></script> <link rel="modulepreload" href="https://www.bankrate.com/v5.1690.0/next/build/assets/alpine-focus-C76grI_8.js" /><script type="module" src="https://www.bankrate.com/v5.1690.0/next/build/assets/alpine-focus-C76grI_8.js"></script><link rel="modulepreload" href="https://www.bankrate.com/v5.1690.0/next/build/assets/alpine-interactive-tooltip-DWgQBERe.js" /><link rel="modulepreload" href="https://www.bankrate.com/v5.1690.0/next/build/assets/v4-BZd5Sria.js" /><link rel="modulepreload" href="https://www.bankrate.com/v5.1690.0/next/build/assets/stringify-CUxI7f_a.js" /><script type="module" src="https://www.bankrate.com/v5.1690.0/next/build/assets/alpine-interactive-tooltip-DWgQBERe.js"></script><script> /** * Extracts query parameters from a URL and returns them as a Map * @param {string} url - The URL to parse query parameters from * @returns {Map<string, string>} Map containing key-value pairs of query parameters */ const getQueryParamsFromUrl = (url) => { const queryParameters = new Map(); try { // Create URL object to handle parsing const urlObj = new URL(url); // Get the search params const searchParams = urlObj.searchParams; // Convert search params to Map searchParams.forEach((value, key) => { queryParameters.set(key, decodeURIComponent(value)); }); } catch (error) { // If URL is invalid, try to parse just the query string portion const queryString = url.split('?')[1]; if (queryString) { queryString.split('&').forEach(param => { const [key, value] = param.split('='); if (key && value) { queryParameters.set( decodeURIComponent(key), decodeURIComponent(value) ); } }); } } return queryParameters; }; // purchaseID on our side is meant to match the clickID/correlationId that we pass to the partner in the URL. // When they return this clickID in reports, we assign revenue for it // and use the purchaseID to tie it back to the onsite event const correlationId = 'e88680b7-e584-4a2f-b7ef-5da8697d60f4'; let offerUrl = 'https://www.credible.com/private-student-loans/prequal/role?utm_source=bankrate&utm_m[…]referral&utm_campaign=insert_campaign&utm_content=[CLICK_ID]'; // Parse the offerUrl into a URL object const parsedUrl = new URL(offerUrl); // Set the utm_content parameter in the URL query string to our correlationId value parsedUrl.searchParams.set('utm_content', correlationId); // Convert the modified URL object back to a string offerUrl = parsedUrl.toString(); // Replace the href in dom with the modified url params const cta = document.querySelector('#btn-pq-cta'); document.addEventListener('DOMContentLoaded', () => { cta.href = offerUrl; }); const bannerForm = document.querySelector('.rate-table-entry-point-banner-form-no-input'); function trackingHandler() { const { _Beam } = window; const body = { advertiserId: correlationId, advertiser_id: '', anonymous_id: window._Tagular.webContext.anonymousId ?? correlationId, app_url_id: '', apr: 0, auction_id: '', brid: '', creative_id: '', dclid: '', destinationUrl: offerUrl, // use offerUrl with appended utm_content parameter exchange_id: '', fbclid: '', ficoMax: 0, ficoMin: 0, flow: 1, formId: correlationId, gclid: '', income: 0, insertion_order_id: '', instance_id: window._Tagular.webContext.instanceId ?? '', ip: window._Tagular.webContext.ip ?? '1.1.1.1', lenderCorrelationId: correlationId, lenderName: 'Credible', line_item_id: '', loanAmount: 0, loan_purpose: '', paidListings: 0, pid: 'direct', productId: correlationId, purchaseId: correlationId, rate: 0, refererUrl: window._Tagular.webContext.page.url ?? '', sectionPosition: 1, session_id: window._Tagular.webContext.sessionId ?? '', session_referral_url: '', state: '', subid: '', tablePosition: 0, ttcid: '', uniqueListings: 0, utm_adgid: '', utm_adid: '', utm_campaign: parsedUrl.searchParams.get('utm_campaign') ?? '', utm_campaignadsetid: '', utm_content: correlationId, utm_medium: parsedUrl.searchParams.get('utm_medium') ?? 'referral', utm_placement: '', utm_source: parsedUrl.searchParams.get('utm_source') ?? 'bankrate', utm_term: '', zipCode: '', ...Object.fromEntries( getQueryParamsFromUrl(window.location.href) .entries() ), }; // trackingEventCreated fetch('https://loans.bankrate.com/v1/tracking', { method: 'POST', headers: { 'x-api-key': 'c5a17aea1045437d8e4cdedf3cdb88db', 'Content-Type': 'application/json', 'Origin': 'http://www.bankrate.com', 'Access-Control-Request-Method': 'POST', 'Access-Control-Request-Headers': 'content-type', }, body: JSON.stringify(body), }); // fire element click and match correlationId across all events _Beam.track({ '@type': 'redventures.usertracking.v3.ElementClicked', actionOutcome: 'redirect to SL Credible page', webElement: { location: 'DarkSideV1 cta check list no input pq banner', position: 'DarkSideV1 component', elementType: 'button', text: 'Find my rate', }, correlationId, }); } // monarch test button cta document.addEventListener('DOMContentLoaded', () => { cohesion('monarch:ready', () => { // DarkSideV1 CTA Rule // can use rule id or its readable custom id monarch('rule', 'darkSideV1Cta', {}, { // Pass Loan's source otherwise cohesion snippet // will try to look for rule in Bankrate's source/wrong request url sourceId: "5d58db4f-2666-4e50-8bab-753d5fdc1822", token: "916e861d-5a26-4b20-af25-3ee15bb49d63", }, (err, result) => { if (err) { // Lift opacity so user can still interact with the default view if errors occur cta.style.opacity = '1'; return; } // DarkSideV1 Above Fold - Personalized rates if (result.darkSideV1Cta && result.darkSideV1Cta.data.ctaText) { cta.innerHTML = result.darkSideV1Cta.data.ctaText; } // Custom styles needed to match design button width and different stacking per variant // // prequal-form-with-check-list-no-input styles // default Find My Rate button and Get Started button stay as is // Personalized Rates button if (result.darkSideV1Cta && result.darkSideV1Cta.data.ctaText && result.darkSideV1Cta.variantCustomId === 'darkSideV1AboveFoldPersonalizedRates') { // remove classes before needing to reset them // BUT in case cohesion fails alltogether, the original styles are preserved bannerForm.classList.remove('md:w-1/3'); } // Lift the opacity to show the user the experience (no flickering occurs) cta.style.opacity = '1'; }); }); // add error in case Cohesion gets blocked // so page doesn't get stuck in a blank/empty state for users with adblockers cohesion('error', (err) => { cta.style.opacity = '1'; 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}); </script> <link rel="preload" as="style" href="https://www.bankrate.com/v5.1690.0/next/build/assets/alpine-tooltip-BV0DbBqk.css" /><link rel="modulepreload" href="https://www.bankrate.com/v5.1690.0/next/build/assets/alpine-tooltip-CPerbs65.js" /><link rel="stylesheet" href="https://www.bankrate.com/v5.1690.0/next/build/assets/alpine-tooltip-BV0DbBqk.css" /><script type="module" src="https://www.bankrate.com/v5.1690.0/next/build/assets/alpine-tooltip-CPerbs65.js"></script><link rel="modulepreload" href="https://www.bankrate.com/v5.1690.0/next/build/assets/alpine-focus-C76grI_8.js" /><script type="module" src="https://www.bankrate.com/v5.1690.0/next/build/assets/alpine-focus-C76grI_8.js"></script><script async> function callMonarch(appId, ruleSetId, containerClass) { cohesion('monarch:ready', async () => { function getMonarchRuleSet(ruleSetCustomId) { return new Promise((res, rej) => { monarch( 'ruleset', ruleSetCustomId, {}, { sourceId: appId, makeIdentifier: `${window._Tagular.webContext.anonymousId}`, }, (err, result) => { if (err) { console.error('Monarch Error', err); res([]); } else { // loop through the keys of the result object for (const key in result) { // If result is string containing injectable slug, convert it to an object to populate it with additional properties if (typeof result[key] === 'string' && result[key].includes( '_content/injectable-component/')) { result[key] = { injectableSlug: result[key] }; } result[key].ruleName = key; result[key].ruleSetId = ruleSetCustomId; } res(Object.values(result)); } } ); }); } const assets = await getMonarchRuleSet(ruleSetId); /** * Helper that transforms Monarch assets into a dictionary * to be used by the Wealth Rate Table application. */ const formatDictionary = (assets) => { return assets.reduce((acc, curr) => { // handles wealth assets if (curr.metadata) { const parsedMetadata = JSON.parse(curr.metadata); acc[parsedMetadata._featureName] = parsedMetadata; } // handles JO assets if (curr.assetPlacements?.length) { curr.assetPlacements.forEach((assetPlacement) => { if (assetPlacement.asset.metadata) { const parsedMetadata = JSON.parse(assetPlacement.asset .metadata); acc[parsedMetadata._featureName] = parsedMetadata; } }); } return acc; }, {}); } const formatWealthAssets = (assets) => { // Containing object to deliver processed assets to rate table let assetDictionary = {}; // Handles assets if they are deployed via multiple rules const multipleRules = Object.values(assets); // If multiple rules are detected if (multipleRules.length) { const formattedAssets = formatDictionary(multipleRules); assetDictionary = { ...assetDictionary, ...formattedAssets }; } // If single rule with one or many assets if (assets.length) { const formattedAssets = formatDictionary(assets); assetDictionary = { ...assetDictionary, ...formattedAssets }; } return assetDictionary; }; if (assets.length === 0) { return; } // Checks if we're on a page that contains the Wealth Rate Table if (typeof window.setMonarchAssets === 'function') { // Invokes method that will trigger a Wealth Rate Table state update window.setMonarchAssets(formatWealthAssets(assets)); } if (!window.jo) { // Initialize jo object on the window window.jo = {}; // Store Monarch assets within jo object window.jo.monarchAssets = []; // Create a method to push Monarch assets to monarchAssets array window.jo.storeMonarchMetadata = function storeMonarchMetadata(asset) { window.jo.monarchAssets.push(asset); } /** * Retrieve the JSON metadata for a Monarch-served preamp asset on the current page via ID. * * @NOTE "ID" refers to a nonstandard field that may be included in a JSON asset, NOT a preamp asset ID. */ window.jo.getMonarchMetadataById = function getMonarchMetadataById(id) { const matchedAsset = window.jo.monarchAssets.find(asset => { if (!asset.metadata) { return false; } try { const metadataJSON = JSON.parse(asset.metadata); const isAssetMatch = metadataJSON?.__id === id || metadataJSON?.__featureName === id; return isAssetMatch; } catch (error) { console.log(error); } }); if (!matchedAsset) { return {}; }; let metadata; try { metadata = JSON.parse(matchedAsset?.metadata); } catch { metadata = {}; } return metadata; } // Function to retrieve the JSON metadata for a Monarch-served preamp asset by feature name window.jo.getMetadataByFeatureName = function getMetadataByFeatureName(featureName) { const matchedAsset = window.jo.monarchAssets.find(asset => { if (!asset.metadata) { return false; } const metadataJSON = JSON.parse(asset.metadata); return metadataJSON._featureName === featureName; }); if (!matchedAsset) { return {}; } let metadata; try { metadata = JSON.parse(matchedAsset.metadata); } catch { metadata = {}; } return metadata; } } assets.flatMap((a, assetIndex, assets) => { const experienceId = a?.experienceId; const assetPlacements = a?.assetPlacements; const isLast = assetIndex === assets.length - 1; const brDataStoredEvent = new CustomEvent('jo:br-data:stored'); const ruleLoadedEvent = new CustomEvent('monarch:rule:loaded', { detail: { ruleSetId: a.ruleSetId, ruleName: a.ruleName, data: a, }, }); window.dispatchEvent(ruleLoadedEvent); if (containerClass) { if (experienceId) { const targetEl = document.getElementsByClassName(containerClass)[0]; const elements = assetPlacements.flatMap((a) => { window.jo.storeMonarchMetadata(a.asset); return renderPreampResponse(a.asset); }); targetEl.append(...elements); } if (assets && !experienceId) { const targetEl = document.getElementsByClassName(containerClass)[0]; window.jo.storeMonarchMetadata(a); const elements = renderPreampResponse(a); elements.forEach(element => targetEl.append(element)); } } function renderPreampResponse(assetType) { const container = document.createElement('div'); const script = document.createElement('script'); script.innerHTML = assetType.js; container.innerHTML = ` <div> <style>${assetType.css ? assetType.css : ''}</style> <div>${assetType.html ? assetType.html : ''}</div> </div> `; return [container, script]; } if (isLast) { window.dispatchEvent(brDataStoredEvent); } }); }); } </script> <link rel="modulepreload" href="https://www.bankrate.com/v5.1690.0/next/build/assets/alpine-collapse-Cwlsivl9.js" /><script type="module" src="https://www.bankrate.com/v5.1690.0/next/build/assets/alpine-collapse-Cwlsivl9.js"></script><script async> setTimeout( () => callMonarch('18b02819-56c9-4af5-8780-faf726c1ba86', '6a07f528-a8bd-46d0-964e-ae1d6f1949b7', 'preamp-footer-placement'), +0) </script> <script async> setTimeout( () => callMonarch('18b02819-56c9-4af5-8780-faf726c1ba86', 'b0efcaed-9cbc-44d7-86f3-3d37d27484b1', 'preamp-footer-placement'), +0) </script> <script src="/ext/cdn.cookielaw.org/scripttemplates/otSDKStub.js" type="text/javascript" charset="UTF-8" data-domain-script="09034832-9ea3-4f44-82ce-803550818ae2" defer="defer"></script> <script type="text/javascript"> function OptanonWrapper() {} </script> </body> </html>