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4 Best Student Loans for Bad Credit

If you have bad credit and need to borrow money for school, it’s a good idea to start with federal student loans since most don’t require a credit check.

Emily Guy Birken Emily Guy Birken Edited by Evelyn Pimplaskar Updated July 15, 2022

Our goal is to give you the tools and confidence you need to improve your finances. Although we receive compensation from our partner lenders, whom we will always identify, all opinions are our own. Credible Operations, Inc. NMLS # 1681276, is referred to here as "Credible."

Having poor or thin credit can be a major obstacle when you need to borrow money — for example, you might have a hard time getting approved for a private student loan. But you still have some options available.

Understanding how to find the best student loans for bad credit can help you find the right financing for your needs.

Here’s what you need to know about getting a student loan with bad credit or no credit history:

  • Federal student loans for bad credit or no credit
  • Best private student loans for bad credit or no credit
  • Our methodology
  • How to get a student loan with bad credit
  • Adding a cosigner may get your application approved
  • How to find a cosigner
  • How to improve your credit score
  • Income Share Agreements: An alternative to student loans for bad credit
  • Bad credit student loan FAQs

Federal student loans for bad credit or no credit

Before you look into private student loans, make sure you’ve exhausted all your federal student loan options.

Most federal student loans don’t require a good credit score, and all borrowers get the same interest rates regardless of credit history. Federal student loan borrowers also have access to flexible repayment options, deferment, forbearance, and student loan forgiveness programs.

The U.S. Department of Education offers three types of federal student loans:

  • Direct Subsidized Loans: Undergraduate students who demonstrate financial need may be eligible for Direct Subsidized Loans. The government pays the interest on these loans while you’re in school and for the six-month grace period after you graduate.
  • Direct Unsubsidized Loans: Any undergraduate or graduate student can qualify for unsubsidized loans, regardless of financial need, but you’re responsible for all the interest. So you’ll either have to pay interest or let it accrue while you’re in school and during the grace period.
  • Direct PLUS Loans: Parents of undergraduate students, graduate students, and professional students may qualify for Direct PLUS Loans, which have a higher interest rate than other federal student loans.

Best private student loans for bad credit or no credit

These Credible partner lenders offer student loans for bad credit.

LenderFixed rates from (APR)Variable rates from (APR)Loan amountsMin. credit score


Credible Rating
Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. Read our full methodology.
View details
4.62%+10 5.74%+10 $2,001 to $400,000Does not disclose
  • Fixed APR: 4.62%+10
  • Variable APR: 5.74%+10
  • Min. credit score: Does not disclose
  • Loan amount: $2,001 to $400,000
  • Loan terms (years): 5, 7, 10, 12, 15, 20
  • Repayment options: Full deferral, fixed/flat repayment, interest only, academic deferment, military deferment, forbearance, loans discharged upon death or disability
  • Fees: None
  • Discounts: 0.25% to 1.00% automatic payment discount, 1% cash back graduation reward
  • Eligibility: Must be a U.S. citizen or permanent resident or DACA student enrolled at least half-time in a degree-seeking program
  • Customer service: Email, phone
  • Soft credit check: Yes
  • Cosigner release: After 12 on-time principal and interest payments
  • Loan servicer: Launch Servicing, LLC


Credible Rating
Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. Read our full methodology.
View details
7.99% - 29.99% APR N/A$5,000 to $40,000600
  • Fixed APR: 7.99% - 29.99% APR
  • Min. credit score: 600
  • Loan amount: $5,000 to $40,000
  • Loan terms (years): 2, 3, 4, 5
  • Time to fund: As soon as 2 to 5 business days after verification
  • Fees: Origination fee
  • Discounts: None
  • Eligibility: Available in all states except MA and NV
  • Customer service: Phone, email, chat
  • Soft credit check: Yes
  • Min. Income: None
  • Loan Uses: Debt consolidation and credit card consolidation only


Credible Rating
Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. Read our full methodology.
View details
4.37%+8 5.86%+8 $1,001 up to 100% of school certified cost of attendance670
  • Fixed APR: 4.37%+8
  • Variable APR: 5.86%+8
  • Min. credit score: 670
  • Loan amount: $1,001 up to cost of attendance
  • Loan terms (years): 5, 10, 15
  • Repayment options: Full deferral, full monthly payment, interest only, immediate repayment, academic deferment, forbearance
  • Fees: Late fee
  • Discounts: Autopay, reward for on-time graduation
  • Eligibility: Must be an Indiana resident or a U.S. citizen attending an eligible Indiana school
  • Customer service: Email, phone, chat
  • Soft credit check: Yes
  • Cosigner release: After 48 months
  • Loan servicer: American Education Services


Credible Rating
Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. Read our full methodology.
View details
4.89%+ N/A$1,500 or $2,000 up to school’s certified cost of attendance
(depending on school type and minus other aid received)
670
  • Fixed APR: 4.89%+
  • Variable APR: N/A
  • Min. credit score: 670
  • Loan amount: $1,500 up to cost of attendance less aid
  • Loan terms (years): 10, 15
  • Repayment options: Full deferral, interest only, immediate repayment, academic deferral, forbearance
  • Fees: None
  • Discounts: None
  • Eligibility: Must be a U.S. citizen or permanent resident and be making satisfactory academic progress.
  • Customer service: Email, phone
  • Soft credit check: Yes
  • Cosigner release: After 48 months
  • Loan servicer: American Education Services (AES)
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Lowest APRs reflect autopay, loyalty, and interest-only repayment discounts where available | 10Ascent Disclosures | 1Citizens Disclosures | 2,3College Ave Disclosures | 7EDvestinU Disclosures | 8INvestEd Disclosures | 9Sallie Mae Disclosures

  1. Ascent
  2. Happy Money
  3. INvestEd
  4. MEFA

1. Ascent

Ascent offers student loans from $2,001 to $400,000 — though keep in mind that the maximum loan amount will depend on whether your credit is tested or not. You can choose from a variety of loan terms ranging from five to 20 years.

Plus, if you graduate within five years of taking out an Ascent loan and sign up for automatic payments, you could get a 1% cashback graduation reward.

4.9
Credible rating
Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. Read our full methodology.
Rates and terms
Fees and Discounts
Customer Experience
Ascent Private Student Loans
Fixed APR
Lowest fixed rate available from this lender
4.62%+10
Variable APR
Lowest variable rate available from this lender
5.74%+10
Loan amount
Total amount you can borrow from this lender
$2,001 to $400,000
Loan terms (years)
How many years you have to repay the loan
5, 7, 10, 12, 15, 20

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  • Fixed APR: 4.62%+10
  • Variable APR: 5.74%+10
  • Min. credit score: Does not disclose
  • Loan amount: $2,001 to $400,000
  • Loan terms (years): 5, 7, 10, 12, 15, 20
  • Repayment options: Full deferral, fixed/flat repayment, interest only, academic deferment, military deferment, forbearance, loans discharged upon death or disability
  • Fees: None
  • Discounts: 0.25% to 1.00% automatic payment discount, 1% cash back graduation reward
  • Eligibility: Must be a U.S. citizen or permanent resident or DACA student enrolled at least half-time in a degree-seeking program
  • Customer service: Email, phone
  • Soft credit check: Yes
  • Cosigner release: After 12 on-time principal and interest payments
  • Loan servicer: Launch Servicing, LLC

Pros

  • Options available for students who don’t have a cosigner or credit history
  • 0.25% to 2.00% autopay discount
  • Cosigner release offered (after 12 months)

Cons

  • Limited repayment term options for fixed-rate loans
  • Non-cosigned options not available to freshman and sophomores
  • Cosigner release not available for international students

Learn More: Paying for Trade School: Financial Aid and Student Loans

2. Happy Money

If you’re planning to consolidate high-interest credit card debt, Payoff could be a good option — its personal loans can be used only for this purpose. You can borrow $5,000 to $40,000 with repayment terms from two to five years.

4.5
Credible rating
Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. Read our full methodology.
Rates and terms
Fees and Discounts
Customer Experience
Happy Money Personal Loans
Fixed APR
Range of fixed rates available from this lender
7.99% - 29.99% APR
Min. credit score
Minimum credit score needed to qualify
600
Loan amount
Total amount you can borrow from this lender
$5,000 to $40,000
Time to fund
How long it takes to receive your money
As soon as 2 to 5 business days after verification

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Compare rates from top personal loan lenders to find the right one for you.

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Checking rates won't affect your credit score
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  • Fixed APR: 7.99% - 29.99% APR
  • Min. credit score: 600
  • Loan amount: $5,000 to $40,000
  • Loan terms (years): 2, 3, 4, 5
  • Time to fund: As soon as 2 to 5 business days after verification
  • Fees: Origination fee
  • Discounts: None
  • Eligibility: Available in all states except MA and NV
  • Customer service: Phone, email, chat
  • Soft credit check: Yes
  • Min. Income: None
  • Loan Uses: Debt consolidation and credit card consolidation only

Pros

  • Free FICO score updates
  • If you lose your job, Payoff will work with you on payments
  • Offers scientific personality, stress, and cash flow assessments to help you get a better understanding of your personal finances

Cons

  • Longer loan approval period
  • Origination fees from 0% to 5%
  • Not available in Massachusetts or Nevada

3. INvestEd

If you’re an Indiana resident or are attending an Indiana school, you might qualify for a student loan from INvestEd. You can borrow $1,001 up to your school’s cost of attendance (minus any other financial aid you’ve received) and can choose a repayment term from five to 15 years.

4.6
Credible rating
Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. Read our full methodology.
Rates and terms
Fees and Discounts
Customer Experience
INvestEd Private Student Loans
Fixed APR
Lowest fixed rate available from this lender
4.37%+8
Variable APR
Lowest variable rate available from this lender
5.86%+8
Loan amount
Total amount you can borrow from this lender
$1,001 up to cost of attendance
Loan terms (years)
How many years you have to repay the loan
5, 10, 15

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Compare rates from top private lenders to find the right student loan for you.

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  • Fixed APR: 4.37%+8
  • Variable APR: 5.86%+8
  • Min. credit score: 670
  • Loan amount: $1,001 up to cost of attendance
  • Loan terms (years): 5, 10, 15
  • Repayment options: Full deferral, full monthly payment, interest only, immediate repayment, academic deferment, forbearance
  • Fees: Late fee
  • Discounts: Autopay, reward for on-time graduation
  • Eligibility: Must be an Indiana resident or a U.S. citizen attending an eligible Indiana school
  • Customer service: Email, phone, chat
  • Soft credit check: Yes
  • Cosigner release: After 48 months
  • Loan servicer: American Education Services

Pros

  • 2% principal reduction for students who graduate from their program within six years
  • 0.25% autopay discount
  • Competitive rates

Cons

  • Only available to borrowers who are Indiana residents or who are attending Indiana schools
  • Long cosigner release period (48 months)
  • Charges fees for late or returned payments

Learn More: Best Law School Loans for Law Students

4. MEFA

MEFA loans are available to students attending public or nonprofit universities. These loans start at $1,500 for public school students or $2,000 for private school students and could cover your school’s cost of attendance (minus any other financial aid you’ve received).

4.4
Credible rating
Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. Read our full methodology.
Rates and terms
Fees and Discounts
Customer Experience
MEFA Private Student Loans
Fixed APR
Lowest fixed rate available from this lender
4.89%+
Variable APR
Lowest variable rate available from this lender
N/A
Loan amount
Total amount you can borrow from this lender
$1,500 up to cost of attendance less aid
Loan terms (years)
How many years you have to repay the loan
10, 15

Ready to find a student loan?
Compare rates from top private lenders to find the right student loan for you.

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  • Fixed APR: 4.89%+
  • Variable APR: N/A
  • Min. credit score: 670
  • Loan amount: $1,500 up to cost of attendance less aid
  • Loan terms (years): 10, 15
  • Repayment options: Full deferral, interest only, immediate repayment, academic deferral, forbearance
  • Fees: None
  • Discounts: None
  • Eligibility: Must be a U.S. citizen or permanent resident and be making satisfactory academic progress.
  • Customer service: Email, phone
  • Soft credit check: Yes
  • Cosigner release: After 48 months
  • Loan servicer: American Education Services (AES)

Pros

  • Might be able to defer payments for up to five years
  • No fees
  • Three repayment plans available

Cons

  • No discounts
  • Cosigner release only available to undergraduates who took out a 15-year loan; deferred payments; and made consecutive, on-time payments for 48 months
  • Variable rates not offered

Check Out: Best Medical School Loans

Our methodology

Credible identified the “best” private student loan lenders by looking at data points in the following categories, using the weighting system listed:

  • Minimum fixed rate: 26%
  • Minimum variable rate: 13%
  • Term length: 5%
  • Repayment: 10%
  • Fees: 10%
  • Discounts: 4%
  • Customer experience: 10%
  • Cosigner release: 10%
  • Other: 12%

How to get a student loan with bad credit

If you’re ready to take out a student loan, follow these four steps:

  1. Fill out the FAFSA. Start by completing the Free Application for Federal Student Aid (FAFSA). Your school will use your FAFSA results to determine whether you’re eligible for federal student loans and other federal financial aid, such as Pell Grants.
  2. Apply for scholarships and grants. Unlike student loans, college scholarships and grants don’t have to be repaid — which makes them a great way to pay for school. There are no limits to how many scholarships and grants you can get, so it’s a good idea to apply for as many as you can. You might also qualify for school-based scholarships, depending on your FAFSA information.
  3. Take out federal student loans. You’ll also need to fill out the FAFSA to apply for federal student loans. These loans are generally a good place to start if you need to borrow money for school — mainly because they come with federal benefits and protections, such as access to income-driven repayment plans and student loan forgiveness programs. Additionally, most federal loans don’t require a credit check, which could make them a great choice if you have bad credit.
  4. Consider private student loans to fill in the gaps. After you’ve exhausted your scholarship, grant, and federal student loan options, private student loans could help fill any remaining financial gaps. Before you take out a private student loan, be sure to consider as many lenders as you can to find the right loan for you.

Learn More: Taking Out Student Loans Without a Cosigner

Adding a cosigner may get your application approved

You’ll typically need good to excellent credit to be eligible for a private student loan, which could make it hard to qualify if you have bad credit. If you’re struggling to get approved, consider applying with a cosigner who has good credit to improve your chances.

Even if you don’t need a cosigner to qualify, having one could get you a lower interest rate than you’d get on your own — which could save you money on your student loan.

For example: Say you take out a $15,000 student loan with a 10.46% APR and five-year repayment term. With these terms, you’d end up paying $4,327 in interest with a total cost of $19,326.

But if you applied with a cosigner and were able to qualify for a five-year loan with an 8.17% APR, you’d pay $3,322 in interest with a total cost of $18,322 — saving you $1,004.

No matter if you have a cosigner or not, be sure to consider how much a student loan will cost you in the future. This way, you can prepare for any added expenses.

You can find out how much you’ll owe over the life of your federal or private student loans by using our student loan calculator below:

Enter your loan information to calculate how much you could pay

? Enter the total amount borrowed $
? Enter your annual interest rate %
or
? Enter the amount of time you have to repay your loan years
Total Payment $
Total Interest $
Monthly Payment $

With a $ loan, you will pay $ monthly and a total of $ in interest over the life of your loan. You will pay a total of $ over the life of the loan, assuming you're making full payments while in school.


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How to find a cosigner

A cosigner can be anyone with good credit — such as a parent, another relative, or a trusted friend — who’s willing to share responsibility for the loan. Just keep in mind that they’ll be on the hook if you can’t make your payments.

Asking someone to cosign a loan and put their credit on the line is a big deal, so it’s important to prepare before you make the request. Here are a few things you can do:

  1. Have a plan. It’s a good idea to make a plan for how you’ll handle your loan if you’re approved with your cosigner’s help. This should include when you’ll be making payments and what happens in case you can’t make a payment on time.
  2. Use teamwork. Go through the loan process with your cosigner so you’ll both fully understand the terms you’re agreeing to.
  3. Know the risks. Make sure your cosigner understands the risks that come with cosigning a loan. While a cosigner can help you get approved with their good credit, they’ll be liable if you don’t make your payments. Missing payments will also damage your cosigner’s credit — as well as yours.
  4. Be open and honest. Be transparent when it comes to discussing the risks of cosigning a loan and what happens if you don’t make your payments.

How to improve your credit score

If you can wait to borrow for school, it might be a good idea to spend some time improving your credit first. Whether you’re a new borrower just starting to build your credit or someone with less-than-perfect credit, here are a few ways to potentially boost your score:

  • Become an authorized user. Ask someone you trust (such as a parent or relative) to add you as an authorized user on one of their credit card accounts. This could help raise your score as the owner of the account uses and pays off the card — without you even having to use the card yourself.
  • Report utility bills to credit bureaus. Services like Experian Boost will report various bills — such as phone, utilities, or streaming services — to the credit bureaus. This could improve your overall payment history, which might boost your credit score.
  • Dispute credit report errors. If your credit report contains errors, they could be dragging your credit score down. You can use a site like AnnualCreditReport.com to review your credit reports for free. If you find any errors, be sure to dispute them with the appropriate credit bureaus.

Check Out: Summer Financial Aid and Student Loans for Summer School

Income Share Agreements: An alternative to student loans for bad credit

Best for:

  • Students who’ve maxed out their federal aid and aren’t able to find a cosigner for a private student loan
  • Students who are confident they’ll have a good, steady income after graduation

If you can’t get a private student loan but still need additional funds for college, an Income Share Agreement may be an option worth considering. An ISA can be easier to obtain than some types of student loans, but it may end up being more expensive in the long run.

With an ISA, a lender (who is either your college or a private lender) provides you with a lump sum now to use toward your college expenses. In exchange, you sign a contract to pay the lender a certain percentage of your gross monthly income — typically anywhere from 2% to 17% — for a set number of years (usually two to 10) once you leave school. There’s no interest on the money you borrow with an ISA.

Income Share Agreements have a minimum income threshold that you’ll need to earn before you have to begin paying your lender. They also have a payment cap, which is the most you’ll have to repay. These caps may be set as high as 2.5 times the amount you borrowed.

Unlike private student loans, you don’t need a cosigner or good credit to get approved for an ISA. If you’re on track to complete a degree in a desirable field with good earnings, that’s usually enough to make you a good candidate for an ISA. But that doesn’t mean it’s always the best choice.

Before committing to an ISA, consider these points:

  • It’s hard to predict the total cost. Although you don’t pay interest in the traditional sense on an ISA, it can be difficult to predict what your total repayment costs will be, because the total amount you’ll repay depends on your future earnings.
  • You can’t refinance your way to a better deal. Unlike a student loan, you can’t refinance an ISA with another lender to get more favorable terms. If you want to pay an ISA off early, you can pay the amount that brings you up to your payment cap, if you have one.
  • You may not be able to borrow as much as you need. Your funding limit will depend on your expected earnings. For example: If a lender agrees to provide funding up to 15% of your expected annual income after graduation, and your expected earnings are $67,000 a year with your degree, you could qualify for $10,000 in funding. That may not be enough to completely cover any funding gap.

How do I know if an income share agreement is right for me?

Ultimately, the decision to go with an ISA or a student loan might depend on more than just which might provide the lowest total repayment cost. An ISA can be cheaper to repay than a student loan and provide flexibility in repayment if your career hits a bump in the road.

Income share agreements vs. private student loans vs. federal PLUS loans

ISAsPrivate student loansFederal PLUS Loans
Borrowing limitDepends on expected earningsUp to cost of attendance
(subject to ability to repay)
Up to school-certified cost of attendance
(no evaluation of ability to repay)
Terms
(years)
2 to 105 to 1510 to 25
Credit requirements
  • Cosigner not required
  • Can’t have an adverse credit history
  • Cosigner typically required for undergrads
  • Min. credit score needed
  • Show ability to repay
Can’t have an adverse credit history

Bad credit student loan FAQs

Here are answers to some frequently asked questions about student loans for borrowers with bad credit.

What credit score do I need to get a student loan?

This depends on the type of student loan, as well as the lender. For example, most federal student loans don’t require a credit check, so you might qualify regardless of your credit score.

But if you want to take out a Grad PLUS Loan or Parent PLUS Loan, you can’t have an adverse credit history.

For private student loans, the required credit score depends on the lender. You’ll typically need good to excellent credit to qualify, which generally means a credit score of 700 or above. But keep in mind that some lenders work with borrowers who have scores lower than this.

Learn More: How to Get Student Loans for Community College

Do credit scores affect student loan rates?

While your credit score won’t affect federal student loan rates, it will affect the rates you qualify for from private lenders. Generally, the higher your credit score, the lower the rate you might get on a private student loan.

Also keep in mind that applying with a cosigner who has good credit could get you a lower interest rate.

How can I get a student loan with no credit check?

Unlike private student loans, most federal loans don’t require a credit check, including:

  • Direct Subsidized Loans: These loans are available to undergraduate students with financial need. The government covers the interest that accrues on subsidized loans while you’re in school.
  • Direct Unsubsidized Loans: These loans are available to both undergraduate and graduate students regardless of financial need. Unlike with subsidized loans, you’re responsible for all interest that accrues on unsubsidized loans.

To apply for federal student loans, you’ll need to complete the FAFSA.

See also: How to Get a Student Loan With No Credit Check

What is the average student loan interest rate?

Congress sets federal student loan interest rates each year — the actual rate you get will depend on the type of federal loan you take out. Here are the rates you can expect for the 2022-23 academic year:

  • Direct Subsidized Loans: 4.99%
  • Direct Unsubsidized Loans (undergraduate): 4.99%
  • Direct Unsubsidized Loans (graduate and professional): 6.54%
  • Direct PLUS Loans: 7.54%

Private student loan interest rates are set by individual lenders according to market conditions. Here are the average rates offered to borrowers with credit scores below 680 who applied for a private student loan through Credible in May 2022:

  • Five-year variable-rate loans: 4.99%
  • 10-year fixed-rate loans: 6.22%

Keep Reading: Student Loans for DACA Recipients

Can you be denied for student loans if you have bad credit?

You may get denied for a federal Direct PLUS Loan or a private student loan if you have an adverse credit history. In either case, you may be able to qualify for the loan with a cosigner (known as an endorser for Direct PLUS Loans). Make sure you partner with a cosigner with good credit.

Check Out: What to Do If You’re Denied a Student Loan With a Cosigner

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Dori Zinn contributed to the reporting for this article.

Methodology: Credible evaluated loan and lender data points in 10 categories to identify the “best companies” for private student loans. We looked at interest rates, repayment terms, repayment options, fees, discounts, and customer service availability offered by 15 lenders. We also considered each company’s eligibility, cosigner release options, whether the minimum credit score is available publicly, and whether consumers could request rates with a soft credit check. Credible receives compensation from its lender partners when a user of the Credible platform closes a loan with the lender. Read the full Credible rating lender methodology. Learn about Credible’s mission and promise to our readers.
About the author
Emily Guy Birken
Emily Guy Birken

Emily Guy Birken is a Credible authority on student loans and personal finance. Her work has been featured by Forbes, Kiplinger’s, Huffington Post, MSN Money, and The Washington Post online.

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Home » All » Student Loans » 4 Best Student Loans for Bad Credit

Student Loan Basics


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