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Rates and terms

Credible’s Picks
Advantage Educational Loan
Brazos
Citizens Bank
Connext
earnest
EDvestinU
iHELP
MEFA
RISLA
Credible’s Picks
Advantage Educational Loan
Brazos
Citizens Bank
Connext
earnest
EDvestinU
iHELP
MEFA
RISLA
Rates From (Variable / Fixed)
N/A / 4.09%
2.81% / 3.05%
3.11%¹ / 3.35%¹
3.39% / 4.25%
2.57% / 3.25%
4.30% / 4.69%
3.88% / 4.75%
4.36% / 4.95%
N/A / 3.49%
Fixed Rates
4.09%
3.05%
3.35%¹
4.25%
3.25%
4.69%
4.75%
4.95%
3.49%
Variable Rates
N/A
2.81%
3.11%¹
3.39%
2.57%
4.30%
3.88%
4.36%
N/A
Loan Terms
10, 15, 20, 25
5, 7, 10, 15, 20
5, 10, 15, 20¹
5, 10, 15, 20
5-20
10, 15, 20
10, 15, 20
15
5, 10 ,15
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Loan details

Credible’s Picks
Advantage Educational Loan
Brazos
Citizens Bank
Connext
earnest
EDvestinU
iHELP
MEFA
RISLA
Minimum Lending Amount
$7,500
$10,000
$10,000
$10,000
$5,000
$7,500
$10,000
$10,000
$7,500
Maximum Lending Amount
No max
$150K undergrad, $250K graduate degrees
$90K for Bachelor's or Associate, up to $350K for other degrees
$250K
$500K
$200K
$250K
No max
$100K for Bachelor's or Associate, up to $300K for other degrees
Auto-Pay Interest Rate Reduction
Yes0.50%
Yes0.25%
Yes0.25%
Yes0.25%
Yes0.25%
Yes0.25%
Yes0.25%
Interest-Only Payment Option
Death Discharge
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Loan details, continued

Credible’s Picks
Advantage Educational Loan
Brazos
Citizens Bank
Connext
earnest
EDvestinU
iHELP
MEFA
RISLA
Origination Fees
None
None
None
None
None
None
None
None
None
Prepayment Penalty
None
None
None
None
None
None
None
None
None
Refinance Parent PLUS Loans
Parent PLUS Transfer From Parent to Grad
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Eligibility

Credible’s Picks
Advantage Educational Loan
Brazos
Citizens Bank
Connext
earnest
EDvestinU
iHELP
MEFA
RISLA
Eligible Degree Types
DNG, Undergraduate, and Graduate
Undergraduate and Graduate
DNG, Undergraduate, and Graduate
Undergraduate and Graduate
Undergraduate and Graduate
DNG, Undergraduate, and Graduate
Undergraduate and Graduate
DNG, Undergraduate, and Graduate
Undergraduate and Graduate
Eligible Loans
Private and Federal
Private and Federal
Private and Federal
Private and Federal
Private and Federal
Private and Federal
Private and Federal
Private and Federal
Private and Federal
Ability to Apply with a Cosigner
State Residency
AL, AR, AZ, CO, CN, FL, GA, HI, IN, KS, KY, LA, MO, MS, NC, NE, NM, OH, OK, PA, SC, TN, TX, UT, VA, WI, WV, and WY
Texas
Any state
Any state
Any state except AL, DE, KY, MS, NV, and RI
Any state
Any state
Any state
Any state
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Eligibility, continued

Credible’s Picks
Advantage Educational Loan
Brazos
Citizens Bank
Connext
earnest
EDvestinU
iHELP
MEFA
RISLA
Cosigner Release Option
Ability to Apply While Enrolled in School
Minimum Required GPA
No minimum
No minimum
No minimum
No minimum
No minimum
No minimum
No minimum
No minimum
No minimum
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