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Find the right student loan lender for you

Once you've exhausted federal loan options, you may need a private student loan to fill a gap in your financial aid package. Compare rates from these top-rated lenders so you can go back to focusing on your degree.

Lender

Fixed APR

Variable APR

Min credit score

NerdWallet rating

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Fixed APR

3.34-12.99%

Fixed

Variable APR

1.04-11.98%

Variable

Min credit score

Mid-600s

on College Ave Private Student Loan's website

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NerdWallet rating

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Fixed APR

3.99-10.99%

Fixed

Variable APR

4.13-9.64%

Variable

Min credit score

660

on CommonBond Private Student Loan's website

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NerdWallet rating

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Fixed APR

3.34-12.78%

Fixed

Variable APR

1.04-11.44%

Variable

Min credit score

650

on Earnest Private Student Loan's website

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NerdWallet rating

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Fixed APR

4.24-12.59%

Fixed

Variable APR

1.24-11.99%

Variable

Min credit score

Does not disclose

on Discover Private Student Loan's website

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See why the lenders make the grade

  • College Ave: More flexible repayment options than other lenders and best for students who want to make payments while they're still in school.
  • Ascent: Best for students who don't have a co-signer, and borrowers can make biweekly payments via autopay.
  • CommonBond: Best for students who are already planning to use a co-signer and value customer support
  • Earnest: Best for borrowers who want to customize their repayment schedule to pay off debt fast.
  • Discover: Best for borrowers who may need wiggle room on payments, or those who didn't graduate.