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Find a student loan that's right for you.

NerdWallet and Ready4 have teamed up to help you compare your private student loan options. Read on to learn more about student loans and NerdWallet. When you're ready to apply, click the button below to start your application.

When paying for college, exhaust all your other options — scholarships, grants, work-study and federal student loans — before turning to private student loans.

Federal student loans offer borrower protections that private loans may not, such as income-based repayment plans and forgiveness programs. And federal student loans have flat interest rates set by Congress, while private student loan interest rates depend on your credit. If you or your co-signer don’t have good credit, you’ll likely pay a higher interest rate for a private loan than you would for a federal loan.

Still, you might need to take out private student loans if you can’t cover your college costs with savings, income, grants, scholarships and federal student loans. Learn more about whether private loans are right for you here and compare your options in the list below.

Private student loan options

Lender APR ranges* Visit
Citizens One Student Loans
Visit Citizens One
Fixed: 5.25% - 12.09%1
Variable: 4.19% - 12.06%1

Includes rates for undergraduate loans.
Lowest rates shown include a loyalty discount and a 0.25% interest rate reduction for automatic payment.

collegeave-logo
Visit College Ave
Fixed: 5.29% - 12.07%2
Variable: 3.69% - 10.94%2

Includes rates for undergraduate and graduate loans.
Includes autopay discount of 0.25%.

Visit SunTrust

Fixed: 5.35% - 14.05%3
Variable: 4% - 13%3

Includes rates for undergraduate and graduate loans.

Ascent logo

Visit Ascent

Fixed: 5.7% - 14.75%6
Variable: 3.97% - 12.97%6

Includes rates for Ascent's Tuition and Independent loans.
Includes autopay discount of 0.25%.

Sallie logo
Visit Sallie Mae
Fixed: 5.74% - 11.85%4
Variable: 4.25% - 11.1%4

Includes rates for undergraduate loans.


Discover logo
Visit Discover Student Loans
Fixed: 5.99% - 13.99%5
Variable: 3.99% - 12.99%5

Includes rates for undergraduate and graduate loans.
Lowest rates shown include an interest-only repayment discount and a 0.25% interest rate reduction for Auto Debit Reward.

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We’ve spent countless hours reviewing lenders and analyzing offers to help you save on your student loans.

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Quickly find what you need with our easy-to-understand reviews – free of jargon and overly complex language.

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We regularly update our list of student loan refinance options as lenders introduce new features and offers.


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