{"id":38376,"date":"2019-12-20T09:35:14","date_gmt":"2019-12-20T17:35:14","guid":{"rendered":"https:\/\/www.credible.com\/blog\/?p=38376"},"modified":"2022-02-03T08:29:10","modified_gmt":"2022-02-03T16:29:10","slug":"commonbond-vs-sofi","status":"publish","type":"post","link":"https:\/\/www.credible.com\/blog\/refinance-student-loans\/commonbond-vs-sofi\/","title":{"rendered":"SoFi vs. Commonbond: Student Loan Refinancing Comparison"},"content":{"rendered":"<p>SoFi and CommonBond are two student loan refinancing companies that offer flexible repayment terms and don\u2019t charge origination fees or prepayment penalties. However, the two companies differ in some unique ways \u2014 especially when it comes to types of loans available and cosigner releases.<\/p>\n<p>Here\u2019s a breakdown of SoFi and CommonBond to figure out which is the best refinancing lender for you.<\/p>\n<p><b>In this post:<\/b><\/p>\n<ul>\n<li><a href=\"#comparing-sofi-vs-commonbond\">Comparing SoFi vs. CommonBond<\/a><\/li>\n<li><a href=\"#sofi-slr\">SoFi student loan refinance<\/a><\/li>\n<li><a href=\"#commonbond-slr\">CommonBond student loan refinance<\/a><\/li>\n<li><a href=\"#how-to-refinance-student-loans\">How to refinance student loans<\/a><\/li>\n<li><a href=\"#compare-options-before-picking-lender\">Compare your options before picking a lender<\/a><\/li>\n<\/ul>\n<p><a name=\"comparing-sofi-vs-commonbond\"><\/a><\/p>\n<h2>Comparing SoFi vs. CommonBond<\/h2>\n<p>Here\u2019s a side-by-side comparison of each <a href=\"https:\/\/www.credible.com\/refinance-student-loans\">student loan refinance<\/a> lender so you can make an informed decision. Keep in mind that CommonBond is a Credible partner.<\/p>\n\n<table id=\"tablepress-208\" class=\"tablepress tablepress-id-208 table table-border-top table-striped table-rounded table-no-img-margin tbody-has-connected-cells\">\n<thead>\n<tr class=\"row-1\">\n\t<td class=\"column-1\"><\/td><th class=\"column-2\"> <center><br \/>\n<br \/>\n        <div class=\"tablepress-rating-shortcode \">\n        <div class=\"heading__container \">\n    <span class=\"heading\">\n                    <a href=\"https:\/\/www.credible.com\/lenders\/sofi-student-loans\/\">Credible Rating<\/a>\n            <\/span>\n            <div class=\"even\" data-toggle=\"tip\" data-placement=\"top left\">\n    <img decoding=\"async\" class=\"icon-help m-a-0\" alt=\"Question mark icon to show more information\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/icon-help-dark.svg\">\n    <span class=\"tip\">\n        <span class=\"tip-content\" >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. <a href=\"https:\/\/www.credible.com\/blog\/credible-rating-lender-methodology\/\">Read our full methodology.<\/a><\/span>\n        <span class=\"tip-arrow\"><\/span>\n    <\/span>\n<\/div>\n    <\/div><div class=\"star-rating__container\">\n                <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                    <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                    <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                    <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                            <img decoding=\"async\" class=\"star-light\" alt=\"A half star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-half.svg\">\n        <\/div>        <\/div>\n        <\/th><th class=\"column-3\"><center><br \/>\n            <div class=\"tablepress-lender__logo__container\">\n                <img fetchpriority=\"high\" decoding=\"async\" width=\"768\" height=\"332\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2019\/12\/commonbond-logo-768x332.png\" class=\"tablepress-lender__logo wp-post-image\" alt=\"\" srcset=\"https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2019\/12\/commonbond-logo-768x332.png 768w, https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2019\/12\/commonbond-logo-600x260.png 600w, https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2019\/12\/commonbond-logo-300x130.png 300w, https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2019\/12\/commonbond-logo-150x65.png 150w, https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2019\/12\/commonbond-logo.png 996w\" sizes=\"(max-width: 768px) 100vw, 768px\" \/>            <\/div>\n        <br \/>\n        <div class=\"tablepress-rating-shortcode \">\n        <div class=\"heading__container \">\n    <span class=\"heading\">\n                    <a href=\"https:\/\/www.credible.com\/lenders\/commonbond\/\">Credible Rating<\/a>\n            <\/span>\n            <div class=\"even\" data-toggle=\"tip\" data-placement=\"top left\">\n    <img decoding=\"async\" class=\"icon-help m-a-0\" alt=\"Question mark icon to show more information\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/icon-help-dark.svg\">\n    <span class=\"tip\">\n        <span class=\"tip-content\" >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. <a href=\"https:\/\/www.credible.com\/blog\/credible-rating-lender-methodology\/\">Read our full methodology.<\/a><\/span>\n        <span class=\"tip-arrow\"><\/span>\n    <\/span>\n<\/div>\n    <\/div><div class=\"star-rating__container\">\n                <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                    <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                    <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                    <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                            <img decoding=\"async\" class=\"star-light\" alt=\"A half star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-half.svg\">\n        <\/div>        <\/div>\n        <\/th>\n<\/tr>\n<\/thead>\n<tbody class=\"row-striping row-hover\">\n<tr class=\"row-2\">\n\t<td class=\"column-1\"><strong>Fixed rates<\/strong><\/td><td class=\"column-2\">Check with lender<\/td><td class=\"column-3\">Check with lender<\/td>\n<\/tr>\n<tr class=\"row-3\">\n\t<td class=\"column-1\"><strong>Variable rates<\/strong><\/td><td class=\"column-2\">Check with lender<\/td><td class=\"column-3\">Check with lender<\/td>\n<\/tr>\n<tr class=\"row-4\">\n\t<td class=\"column-1\"><strong>Loan amount<\/strong><\/td><td class=\"column-2\">$5,000 and up<\/td><td class=\"column-3\">$5,000 to $500,000<\/td>\n<\/tr>\n<tr class=\"row-5\">\n\t<td class=\"column-1\"><strong>Loan terms<\/strong><\/td><td class=\"column-2\">5, 7, 10, 15, and 20 years<\/td><td class=\"column-3\">5, 7, 10, 15, and 20 years<\/td>\n<\/tr>\n<tr class=\"row-6\">\n\t<td class=\"column-1\"><strong>Min. credit score<\/strong><\/td><td class=\"column-2\">Does not disclose<\/td><td class=\"column-3\"><p>680<\/p>\n<\/td>\n<\/tr>\n<tr class=\"row-7\">\n\t<td class=\"column-1\"><strong>Origination fee<\/strong><\/td><td class=\"column-2\">None<\/td><td class=\"column-3\">None<\/td>\n<\/tr>\n<tr class=\"row-8\">\n\t<td class=\"column-1\"><strong>Cosigner release<\/strong><\/td><td class=\"column-2\">No<\/td><td class=\"column-3\">Yes<\/td>\n<\/tr>\n<tr class=\"row-9\">\n\t<td class=\"column-1\"><strong>Forbearance options<\/strong><\/td><td class=\"column-2\">Up to 12 months<\/td><td class=\"column-3\">Up to 24 months<\/td>\n<\/tr>\n<tr class=\"row-10\">\n\t<td colspan=\"3\" class=\"column-1\"><p style=\"text-align: center;\"><small>All APRs reflect autopay and loyalty discounts where available | <a href=\"https:\/\/www.credible.com\/a\/sofi-student-loan-refi-disclosure\" target=\"_blank\" rel=\"noopener noreferrer\"><sup>5<\/sup>SoFi Disclosures<\/a><\/small><\/p>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n\n<p style=\"text-align: center;\"><span style=\"font-size: large;\"><strong>Compare student loan refinance rates from CommonBond and<br \/>\nother top lenders in 2 minutes<\/strong><\/span><\/p>\n<p style=\"text-align: center;\"><a class=\"btn btn-warning\" href=\"https:\/\/www.credible.com\/refi\/prequal\">Find My Rates Now<\/a><br \/>\n<small>Checking rates won\u2019t affect your credit<\/small><\/p>\n<p><!-- TrustBox widget - Micro Combo --><\/p>\n<div class=\"trustpilot-widget\" data-locale=\"en-US\" data-template-id=\"5419b6ffb0d04a076446a9af\" data-businessunit-id=\"5536ec090000ff00057eebe7\" data-style-height=\"20px\" data-style-width=\"100%\" data-theme=\"light\"><a href=\"https:\/\/www.trustpilot.com\/review\/www.credible.com\" target=\"_blank\" rel=\"noopener noreferrer\">Trustpilot<\/a><\/div>\n<hr \/>\n<p><a name=\"sofi-slr\"><\/a><\/p>\n<h2>SoFi student loan refinance<\/h2>\n<p><b>Best for:<\/b> Borrower perks<\/p>\n<p>With <a href=\"https:\/\/www.credible.com\/lenders\/sofi\/\">SoFi<\/a>, you can refinance loan amounts from $5,000 up to the full balance of your qualified education loans with repayment terms from five to 20 years.<\/p>\n<p>SoFi borrowers also have access to several perks, such as unemployment protection, career coaching, and investing advice.<\/p>\n<div class=\"lender-rating__container-width\">\n    <div class=\"lender-rating__divider\"><\/div>\n    <div class=\"lender-rating__container\">\n        <div class=\"left-rating-col__wrap\">\n            <div class=\"lender-rating__ratings\">\n    <div class=\"logo__container\">\n                    <div class=\"logo__heading\">\n                <span>SoFi &#8211; SLR<\/span>\n            <\/div>\n            <\/div>\n    <div class=\"editorial__container\">\n        <div class=\"number-rating__container\">\n            <span class=\"feat-branch\"><\/span>\n            <span class=\"feat-number\">4.5<\/span>\n            <span class=\"feat-branch right\"><\/span>\n        <\/div>\n        <div class=\"heading__container\">\n            <span class=\"heading\">\n                                    <a href=\"https:\/\/www.credible.com\/lenders\/sofi-student-loans\/\">Credible rating<\/a>\n                            <\/span>\n                            <div data-toggle=\"tip\" data-placement=\"top left\">\n                    <img decoding=\"async\" class=\"icon-help\" alt=\"Question mark icon to show more information\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/icon-help-dark.svg\">\n                    <span class=\"tip\">\n                        <span class=\"tip-content\">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. <a href=\"https:\/\/www.credible.com\/blog\/credible-rating-lender-methodology\/\">Read our full methodology.<\/a><\/span>\n                        <span class=\"tip-arrow\"><\/span>\n                    <\/span>\n                <\/div>\n                    <\/div>\n        <div class=\"star-rating__container\">\n            <div class=\"star-rating__background\">\n                <div class=\"star-rating\">\n                                <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                    <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                    <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                    <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                            <img decoding=\"async\" class=\"star-light\" alt=\"A half star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-half.svg\">\n                        <\/div>\n            <\/div>\n        <\/div>\n    <\/div>\n    <div class=\"star-rating-list__container\">\n        <div class=\"star-rating-group\">\n            <div class=\"star-rating-row\">\n                <span class=\"heading\">Rates and terms<\/span>\n                <div>\n                                <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                    <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                    <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                    <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                            <img decoding=\"async\" class=\"dark-star\" alt=\"A half star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-half.svg\">\n                        <\/div>\n            <\/div>\n        <\/div>\n        <div class=\"star-rating-group\">\n            <div class=\"star-rating-row\">\n                <span class=\"heading\">Fees and Discounts<\/span>\n                <div>\n                                <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                    <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                    <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                    <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                    <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                                <\/div>\n            <\/div>\n        <\/div>\n        <div class=\"star-rating-group\">\n            <div class=\"star-rating-row\">\n                <span class=\"heading\">Customer Experience<\/span>\n                <div>\n                                <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                    <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                    <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                    <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                    <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                                <\/div>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/div>        <\/div>\n        <div class=\"right-rating-col__wrap\">\n                <div class=\"at-glance__container\">\n        <div class=\"heading\">\n            <span>SoFi Student Loan Refinancing<\/span>\n        <\/div>\n        <div class=\"categories__container\">\n                                <div class=\"col-md-6 col-xs-6 item__container p-x-0\">\n                        <img decoding=\"async\" class=\"glance-icon\" role=\"presentation\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2017\/11\/fixed-rates-icon.svg\">\n                        <div class=\"item__details\">\n                            <span class=\"item-label--bold icon\">\n                                Fixed APR                                                                    <div class=\"even\" data-toggle=\"tip\" data-placement=\"top left\">\n                                        <img decoding=\"async\" class=\"icon-help\" alt=\"Question mark icon to show more information\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/icon-help.svg\">\n                                        <span class=\"tip\">\n                                            <span class=\"tip-content\">Lowest fixed rate available from this lender <\/span>\n                                            <span class=\"tip-arrow\"><\/span>\n                                        <\/span>\n                                    <\/div>\n                                                            <\/span>\n                            <div class=\"item-label\">Check with lender<\/div>\n                        <\/div>\n                    <\/div>\n                                <div class=\"col-md-6 col-xs-6 item__container p-x-0\">\n                        <img decoding=\"async\" class=\"glance-icon\" role=\"presentation\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2017\/11\/variable-rates-icon.svg\">\n                        <div class=\"item__details\">\n                            <span class=\"item-label--bold icon\">\n                                Variable APR                                                                    <div class=\"odd\" data-toggle=\"tip\" data-placement=\"top left\">\n                                        <img decoding=\"async\" class=\"icon-help\" alt=\"Question mark icon to show more information\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/icon-help.svg\">\n                                        <span class=\"tip\">\n                                            <span class=\"tip-content\">Lowest variable rate available from this lender<\/span>\n                                            <span class=\"tip-arrow\"><\/span>\n                                        <\/span>\n                                    <\/div>\n                                                            <\/span>\n                            <div class=\"item-label\">Check with lender<\/div>\n                        <\/div>\n                    <\/div>\n                                <div class=\"col-md-6 col-xs-6 item__container p-x-0\">\n                        <img decoding=\"async\" class=\"glance-icon\" role=\"presentation\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2017\/11\/min-credit-score-icon.svg\">\n                        <div class=\"item__details\">\n                            <span class=\"item-label--bold icon\">\n                                Min. credit score                                                                    <div class=\"even\" data-toggle=\"tip\" data-placement=\"top left\">\n                                        <img decoding=\"async\" class=\"icon-help\" alt=\"Question mark icon to show more information\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/icon-help.svg\">\n                                        <span class=\"tip\">\n                                            <span class=\"tip-content\">Minimum credit score needed to qualify<\/span>\n                                            <span class=\"tip-arrow\"><\/span>\n                                        <\/span>\n                                    <\/div>\n                                                            <\/span>\n                            <div class=\"item-label\">Does not disclose<\/div>\n                        <\/div>\n                    <\/div>\n                                <div class=\"col-md-6 col-xs-6 item__container p-x-0\">\n                        <img decoding=\"async\" class=\"glance-icon\" role=\"presentation\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2017\/11\/loan-amount-icon.svg\">\n                        <div class=\"item__details\">\n                            <span class=\"item-label--bold icon\">\n                                Loan amount                                                                    <div class=\"odd\" data-toggle=\"tip\" data-placement=\"top left\">\n                                        <img decoding=\"async\" class=\"icon-help\" alt=\"Question mark icon to show more information\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/icon-help.svg\">\n                                        <span class=\"tip\">\n                                            <span class=\"tip-content\">Range needed to refinance with this lender<\/span>\n                                            <span class=\"tip-arrow\"><\/span>\n                                        <\/span>\n                                    <\/div>\n                                                            <\/span>\n                            <div class=\"item-label\">$5,000 up to the full balance<\/div>\n                        <\/div>\n                    <\/div>\n                    <\/div>\n    <\/div>\n            <div class=\"cta__container\">\n    <div class=\"cta__text\">\n        <p><strong>Does refinancing make sense for you?<\/strong><br \/>\nCompare offers from top refinancing lenders to determine your actual savings.<\/p>\n    <\/div>\n    <a href=\"https:\/\/www.credible.com\/refinance\/prequal\/signup\" class=\"cta_btn\">Check Personalized Rates<\/a>\n    <div class=\"disclaimer-text\">\n        <span>Checking rates won't affect your credit score<\/span>\n    <\/div>\n<\/div>        <\/div>\n    <\/div>\n            <div class=\"lender-rating-details__container\">\n    <div class=\"details-heading\">\n        <a role=\"button\" class=\"details-toggle collapsed\" data-toggle=\"collapse\" data-target=\"#lender_details_46661\" aria-expanded=\"false\" aria-controls=\"collapseExample\">\n            <span>View Details<\/span>\n        <\/a>\n    <\/div>\n    <div class=\"collapse collapse__section\" id=\"lender_details_46661\">\n        <div class=\"intro-paragraph\">\n            <span><\/span>\n        <\/div>\n        <div class=\"details__list row\">\n            <div class=\"col-md-6 p-a-0\">\n                <ul>\n                                            <li><span class=\"font-weight-bold\">Fixed APR:<\/span> Check with lender<\/li>\n                                            <li><span class=\"font-weight-bold\">Variable APR:<\/span> Check with lender<\/li>\n                                            <li><span class=\"font-weight-bold\">Min. credit score:<\/span> Does not disclose<\/li>\n                                            <li><span class=\"font-weight-bold\">Loan amount:<\/span> $5,000 up to the full balance<\/li>\n                                            <li><span class=\"font-weight-bold\">Loan terms (years):<\/span> 5, 7, 10, 15, 20<\/li>\n                                            <li><span class=\"font-weight-bold\">Repayment options:<\/span> Academic deferment, military deferment<\/li>\n                                            <li><span class=\"font-weight-bold\">Fees:<\/span> None<\/li>\n                                    <\/ul>\n            <\/div>\n            <div class=\"col-md-6 p-a-0\">\n                <ul>\n                                            <li><span class=\"font-weight-bold\">Discounts:<\/span> Autopay, loyalty<\/li>\n                                            <li><span class=\"font-weight-bold\">Eligibility:<\/span> Available in all 50 states<\/li>\n                                            <li><span class=\"font-weight-bold\">Customer service:<\/span> Email, phone, chat<\/li>\n                                            <li><span class=\"font-weight-bold\">Soft credit check:<\/span> Yes<\/li>\n                                            <li><span class=\"font-weight-bold\">Cosigner release:<\/span> No<\/li>\n                                            <li><span class=\"font-weight-bold\">Max undergraduate loan balance:<\/span> No maximum<\/li>\n                                            <li><span class=\"font-weight-bold\">Max graduate loan balance:<\/span> No maximum<\/li>\n                                            <li><span class=\"font-weight-bold\">Offers Parent PLUS refinancing:<\/span> Yes<\/li>\n                                    <\/ul>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/div>    <\/div>\n<h3>Requirements to borrow from SoFi<\/h3>\n<p>To be eligible for refinancing with SoFi, you must:<\/p>\n<ul>\n<li>Be a U.S. citizen, permanent resident, or eligible visa holder<\/li>\n<li>Have graduated with an associate\u2019s degree or higher from a Title IV school<\/li>\n<li>Provide proof of employment, such as pay stubs or tax returns<\/li>\n<li>Provide proof of residency, such as a utility bill<\/li>\n<\/ul>\n<p><b><i>Learn More: <\/i><\/b><a href=\"https:\/\/www.credible.com\/blog\/refinance-student-loans\/when-to-refinance\/\"><b><i>When to Refinance Student Loans<\/i><\/b><\/a><\/p>\n<h3>Pros<\/h3>\n<ul>\n<li><b>High loan amounts:<\/b> SoFI does not have a loan maximum. If you have a very high loan balance from medical school or law school, SoFi may be a better option.<\/li>\n<li><b>Borrower perks: <\/b>SoFi offers a number of member benefits, including career coaching, member events, personalized financial advice, and discounts on future loans.<\/li>\n<li><b>Can refinance Parent PLUS Loans into student\u2019s name:<\/b> If you\u2019re a parent who took out Parent PLUS Loans for your child\u2019s education, CommonBond will let you refinance those loans into your child\u2019s name. To do so, your child must apply themselves.<\/li>\n<\/ul>\n<p><b><i>Check Out: <\/i><\/b><a href=\"https:\/\/www.credible.com\/blog\/refinance-student-loans\/good-idea\/\"><b><i>When Student Loan Refi Is a Good Idea and When to Reconsider<\/i><\/b><\/a><\/p>\n<h3>Cons<\/h3>\n<ul>\n<li><b>Could be hard to qualify if you don\u2019t have good credit:<\/b> While SoFi doesn\u2019t disclose its minimum credit requirements, most SoFi borrowers have very good credit. This means you might have a hard time getting approved if you have poor credit.<\/li>\n<li><b>Doesn\u2019t offer cosigner release: <\/b>If you apply with a cosigner, you won\u2019t be able to release them from your SoFi loan unless you refinance again.<\/li>\n<li><b>Degree required:<\/b> To refinance with SoFi, you must have earned an associate degree or higher from a Title IV school. If you left school without a degree or haven\u2019t graduated yet, you\u2019ll need to consider other <a href=\"https:\/\/www.credible.com\/blog\/best-student-loan-refinance-companies\/\">student loan refinance companies<\/a>.<\/li>\n<\/ul>\n<p><b><i>Learn More: <\/i><\/b><a href=\"https:\/\/www.credible.com\/blog\/refinance-student-loans\/how-often-can-you-refinance\/\"><b><i>How Often Can You Refinance Student Loans?<\/i><\/b><\/a><\/p>\n<p><a name=\"commonbond-slr\"><\/a><\/p>\n<h2>CommonBond student loan refinance<\/h2>\n<p><b>Best for: <\/b>Borrowers who plan to pay off their loan early<\/p>\n<p>With <a href=\"https:\/\/www.credible.com\/lenders\/commonbond\/\">CommonBond<\/a>, you can refinance $5,000 to $500,000 with terms from five to 20 years. CommonBond also offers a unique hybrid loan option that starts with a fixed rate for the first five years of the loan term before switching to a variable rate \u2014 this might help you save money if you plan to pay off your loan quickly.<\/p>\n<div class=\"lender-rating__container-width\">\n    <div class=\"lender-rating__divider\"><\/div>\n    <div class=\"lender-rating__container\">\n        <div class=\"left-rating-col__wrap\">\n            <div class=\"lender-rating__ratings\">\n    <div class=\"logo__container\">\n                    <img decoding=\"async\" width=\"768\" height=\"332\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2019\/12\/commonbond-logo-768x332.png\" class=\"attachment-medium_large size-medium_large wp-post-image\" alt=\"\" srcset=\"https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2019\/12\/commonbond-logo-768x332.png 768w, https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2019\/12\/commonbond-logo-600x260.png 600w, https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2019\/12\/commonbond-logo-300x130.png 300w, https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2019\/12\/commonbond-logo-150x65.png 150w, https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2019\/12\/commonbond-logo.png 996w\" sizes=\"(max-width: 768px) 100vw, 768px\" \/>            <\/div>\n    <div class=\"editorial__container\">\n        <div class=\"number-rating__container\">\n            <span class=\"feat-branch\"><\/span>\n            <span class=\"feat-number\">4.5<\/span>\n            <span class=\"feat-branch right\"><\/span>\n        <\/div>\n        <div class=\"heading__container\">\n            <span class=\"heading\">\n                                    <a href=\"https:\/\/www.credible.com\/lenders\/commonbond\/\">Credible rating<\/a>\n                            <\/span>\n                            <div data-toggle=\"tip\" data-placement=\"top left\">\n                    <img decoding=\"async\" class=\"icon-help\" alt=\"Question mark icon to show more information\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/icon-help-dark.svg\">\n                    <span class=\"tip\">\n                        <span class=\"tip-content\">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. <a href=\"https:\/\/www.credible.com\/blog\/credible-rating-lender-methodology\/\">Read our full methodology.<\/a><\/span>\n                        <span class=\"tip-arrow\"><\/span>\n                    <\/span>\n                <\/div>\n                    <\/div>\n        <div class=\"star-rating__container\">\n            <div class=\"star-rating__background\">\n                <div class=\"star-rating\">\n                                <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                    <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                    <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                    <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                            <img decoding=\"async\" class=\"star-light\" alt=\"A half star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-half.svg\">\n                        <\/div>\n            <\/div>\n        <\/div>\n    <\/div>\n    <div class=\"star-rating-list__container\">\n        <div class=\"star-rating-group\">\n            <div class=\"star-rating-row\">\n                <span class=\"heading\">Rates and terms<\/span>\n                <div>\n                                <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                    <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                    <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                    <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                            <img decoding=\"async\" class=\"dark-star\" alt=\"A half star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-half.svg\">\n                        <\/div>\n            <\/div>\n        <\/div>\n        <div class=\"star-rating-group\">\n            <div class=\"star-rating-row\">\n                <span class=\"heading\">Fees and Discounts<\/span>\n                <div>\n                                <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                    <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                    <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                    <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                            <img decoding=\"async\" class=\"dark-star\" alt=\"A three-quarter star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-three-quarter.svg\">\n                        <\/div>\n            <\/div>\n        <\/div>\n        <div class=\"star-rating-group\">\n            <div class=\"star-rating-row\">\n                <span class=\"heading\">Customer Experience<\/span>\n                <div>\n                                <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                    <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                    <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                    <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                    <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                                <\/div>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/div>        <\/div>\n        <div class=\"right-rating-col__wrap\">\n                <div class=\"at-glance__container\">\n        <div class=\"heading\">\n            <span>CommonBond Student Loan Refinancing<\/span>\n        <\/div>\n        <div class=\"categories__container\">\n                                <div class=\"col-md-6 col-xs-6 item__container p-x-0\">\n                        <img decoding=\"async\" class=\"glance-icon\" role=\"presentation\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2017\/11\/fixed-rates-icon.svg\">\n                        <div class=\"item__details\">\n                            <span class=\"item-label--bold icon\">\n                                Fixed rate                                                                    <div class=\"even\" data-toggle=\"tip\" data-placement=\"top left\">\n                                        <img decoding=\"async\" class=\"icon-help\" alt=\"Question mark icon to show more information\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/icon-help.svg\">\n                                        <span class=\"tip\">\n                                            <span class=\"tip-content\">Lowest fixed rate available from this lender <\/span>\n                                            <span class=\"tip-arrow\"><\/span>\n                                        <\/span>\n                                    <\/div>\n                                                            <\/span>\n                            <div class=\"item-label\">  <span>\n    5.44%+<sup><\/sup>\n  <\/span>\n<\/div>\n                        <\/div>\n                    <\/div>\n                                <div class=\"col-md-6 col-xs-6 item__container p-x-0\">\n                        <img decoding=\"async\" class=\"glance-icon\" role=\"presentation\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2017\/11\/variable-rates-icon.svg\">\n                        <div class=\"item__details\">\n                            <span class=\"item-label--bold icon\">\n                                Variable rate                                                                    <div class=\"odd\" data-toggle=\"tip\" data-placement=\"top left\">\n                                        <img decoding=\"async\" class=\"icon-help\" alt=\"Question mark icon to show more information\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/icon-help.svg\">\n                                        <span class=\"tip\">\n                                            <span class=\"tip-content\">Lowest variable rate available from this lender <\/span>\n                                            <span class=\"tip-arrow\"><\/span>\n                                        <\/span>\n                                    <\/div>\n                                                            <\/span>\n                            <div class=\"item-label\">  <span>\n    5.39%+<sup><\/sup>\n  <\/span>\n<\/div>\n                        <\/div>\n                    <\/div>\n                                <div class=\"col-md-6 col-xs-6 item__container p-x-0\">\n                        <img decoding=\"async\" class=\"glance-icon\" role=\"presentation\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2017\/11\/min-credit-score-icon.svg\">\n                        <div class=\"item__details\">\n                            <span class=\"item-label--bold icon\">\n                                Min. credit score                                                                    <div class=\"even\" data-toggle=\"tip\" data-placement=\"top left\">\n                                        <img decoding=\"async\" class=\"icon-help\" alt=\"Question mark icon to show more information\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/icon-help.svg\">\n                                        <span class=\"tip\">\n                                            <span class=\"tip-content\">Minimum credit score needed to qualify<\/span>\n                                            <span class=\"tip-arrow\"><\/span>\n                                        <\/span>\n                                    <\/div>\n                                                            <\/span>\n                            <div class=\"item-label\">680<\/div>\n                        <\/div>\n                    <\/div>\n                                <div class=\"col-md-6 col-xs-6 item__container p-x-0\">\n                        <img decoding=\"async\" class=\"glance-icon\" role=\"presentation\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2017\/11\/loan-amount-icon.svg\">\n                        <div class=\"item__details\">\n                            <span class=\"item-label--bold icon\">\n                                Loan amount                                                                    <div class=\"odd\" data-toggle=\"tip\" data-placement=\"top left\">\n                                        <img decoding=\"async\" class=\"icon-help\" alt=\"Question mark icon to show more information\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/icon-help.svg\">\n                                        <span class=\"tip\">\n                                            <span class=\"tip-content\">Range needed to refinance with this lender<\/span>\n                                            <span class=\"tip-arrow\"><\/span>\n                                        <\/span>\n                                    <\/div>\n                                                            <\/span>\n                            <div class=\"item-label\">$5,000 to $500,000<\/div>\n                        <\/div>\n                    <\/div>\n                    <\/div>\n    <\/div>\n            <div class=\"cta__container\">\n    <div class=\"cta__text\">\n        <p><strong>Does refinancing make sense for you?<\/strong><br \/>\nCompare offers from top refinancing lenders to determine your actual savings.<\/p>\n    <\/div>\n    <a href=\"https:\/\/www.credible.com\/refinance\/prequal\/signup\" class=\"cta_btn\">Check Personalized Rates<\/a>\n    <div class=\"disclaimer-text\">\n        <span>Checking rates won't affect your credit score<\/span>\n    <\/div>\n<\/div>        <\/div>\n    <\/div>\n            <div class=\"lender-rating-details__container\">\n    <div class=\"details-heading\">\n        <a role=\"button\" class=\"details-toggle collapsed\" data-toggle=\"collapse\" data-target=\"#lender_details_46526\" aria-expanded=\"false\" aria-controls=\"collapseExample\">\n            <span>View Details<\/span>\n        <\/a>\n    <\/div>\n    <div class=\"collapse collapse__section\" id=\"lender_details_46526\">\n        <div class=\"intro-paragraph\">\n            <span><\/span>\n        <\/div>\n        <div class=\"details__list row\">\n            <div class=\"col-md-6 p-a-0\">\n                <ul>\n                                            <li><span class=\"font-weight-bold\">Fixed rate:<\/span>   <span>\n    5.44%+<sup><\/sup>\n  <\/span>\n<\/li>\n                                            <li><span class=\"font-weight-bold\">Variable rate:<\/span>   <span>\n    5.39%+<sup><\/sup>\n  <\/span>\n<\/li>\n                                            <li><span class=\"font-weight-bold\">Min. credit score:<\/span> 680<\/li>\n                                            <li><span class=\"font-weight-bold\">Loan amount:<\/span> $5,000 to $500,000<\/li>\n                                            <li><span class=\"font-weight-bold\">Cosigner release:<\/span> Yes<\/li>\n                                            <li><span class=\"font-weight-bold\">Loan terms (years):<\/span> 5, 7, 10, 15, 20<\/li>\n                                            <li><span class=\"font-weight-bold\">Repayment options:<\/span> Academic deferment, forbearance, loans discharged upon death or disability<\/li>\n                                            <li><span class=\"font-weight-bold\">Fees:<\/span> Late fee<\/li>\n                                    <\/ul>\n            <\/div>\n            <div class=\"col-md-6 p-a-0\">\n                <ul>\n                                            <li><span class=\"font-weight-bold\">Discounts:<\/span> Autopay<\/li>\n                                            <li><span class=\"font-weight-bold\">Eligibility:<\/span> Available in all states, except MS and NV<\/li>\n                                            <li><span class=\"font-weight-bold\">Customer service:<\/span> Email, phone, chat<\/li>\n                                            <li><span class=\"font-weight-bold\">Soft credit check:<\/span> Yes<\/li>\n                                            <li><span class=\"font-weight-bold\">Loan servicer:<\/span> FirstMark<\/li>\n                                            <li><span class=\"font-weight-bold\">Max. undergraduate loan balance:<\/span> $500,000<\/li>\n                                            <li><span class=\"font-weight-bold\">Max. graduate loan balance:<\/span> $500,000<\/li>\n                                            <li><span class=\"font-weight-bold\">Offers Parent PLUS refinancing:<\/span> Yes<\/li>\n                                            <li><span class=\"font-weight-bold\">Min. income:<\/span> $65,000 <small>(for 15- and 20-year products)<\/small><\/li>\n                                    <\/ul>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/div>    <\/div>\n<h3>Requirements to borrow from CommonBond<\/h3>\n<p>To borrow from CommonBond, you must:<\/p>\n<ul>\n<li>Be a U.S. citizen, permanent resident, or eligible visa holder<\/li>\n<li>Have graduated from a Title IV-accredited school within CommonBond\u2019s network<\/li>\n<li>Have sufficient credit history<\/li>\n<li>Provide proof of employment, such as a pay stub or recent tax returns<\/li>\n<li>Produce a recent loan statement for the loans you wish to refinance<\/li>\n<li>Provide proof of residency, such as a recent utility bill<\/li>\n<\/ul>\n<p><b><i>Check Out: <\/i><\/b><a href=\"https:\/\/www.credible.com\/blog\/refinance-student-loans\/student-loan-balance\/\"><b><i>How to Find Your Student Loan Balance<\/i><\/b><\/a><\/p>\n<h3>Pros<\/h3>\n<ul>\n<li><b>Hybrid loan option:<\/b> If you opt for CommonBond\u2019s hybrid loan, you\u2019ll have a fixed rate for the first five years of the loan. After that, the rate is variable. If you intend to pay off your loan early, taking advantage of a hybrid loan could help you secure a lower interest rate than if you picked a normal fixed loan.<\/li>\n<li><b>Forbearance:<\/b> If you\u2019re facing an economic hardship, such as a job loss or medical emergency, you might qualify for CommonBond\u2019s forbearance program. If eligible, you can postpone payments for up to 24 months over the length of your loan.<\/li>\n<li><b>Cosigner release: <\/b>With CommonBond, you can request a cosigner release after making three years of consecutive, on-time payments. If you meet the lending criteria at that point, CommonBond will remove the cosigner from your loan.<\/li>\n<\/ul>\n<p><b><i>Learn More: <\/i><\/b><a href=\"https:\/\/www.credible.com\/blog\/refinance-student-loans\/how-long-to-pay-off\/\"><b><i>How Long It Takes to Pay Off Student Loans<\/i><\/b><\/a><\/p>\n<h3>Cons<\/h3>\n<ul>\n<li><b>Degree required: <\/b>To refinance with CommonBond, you must have graduated from an eligible Title IV accredited university or graduate program within CommonBond\u2019s network.<\/li>\n<li><b>Limited availability: <\/b>CommonBond refinancing isn\u2019t available in Mississippi or Nevada.<\/li>\n<li><b>Might come with fees: <\/b>Unlike some lenders, CommonBond charges fees for late or returned payments.<\/li>\n<\/ul>\n<div class=\"basic-box\" style=\"border: 1px solid #E2E4E6;\"><div class=\"basic-box__inside\"><b>Tip:<\/b> Depending on your credit, refinancing your student loans might get you a lower interest rate. This could save you money on interest and even potentially help you <a href=\"https:\/\/www.credible.com\/blog\/refinance-student-loans\/pay-off-student-loans\/\">pay off your student loans faster<\/a>.<\/div><\/div>\n<p>You can use our calculator below to see how much you can save by refinancing your student loans.<\/p>\n<div class=\"calculator refinance\">\n<div class=\"inputs container\">\n\n  <p>Step 1. Enter your loan balance<\/p>\n\n  <div class=\"row form-groups\">\n  <div class=\"col-xs-8 col-lg-6\">\n  <div class=\"form-group\">\n  \t<label for=\"loan-balance\">Loan balance<\/label>\n  \t<span class=\"badge badge-pill\" data-toggle=\"tip\" data-placement=\"top left\">\n  \t\t?\t<span class=\"tip \">\n\t\t<span class=\"tip-content\">Enter the remaining amount of the loans you\u2019d like to refinance<\/span>\n\t\t<span class=\"tip-arrow\"><\/span>\n\t<\/span>\n\t  \t<\/span>\n  \t<span class=\"input-group loan-balance\">\n  \t\t<span class=\"input-group-addon\">$<\/span>\n  \t\t<input type=\"number\" min=\"1\" value=\"55000\" step=\"1000\" name=\"loan-balance\" id=\"loan-balance\" aria-label=\"Loan balance\" class=\"form-control\" inputmode=\"numeric\" pattern=\"[0-9]*\">\n  \t<\/span>\n  <\/div>\n  <\/div>\n  <\/div>\n\n  <p>Step 2. Enter current loan information<\/p>\n\n  <div class=\"row form-groups\">\n  <div class=\"col-xs-8 col-md\">\n    <div class=\"form-group\">\n  \t\t<label for=\"interest-rate\">Interest rate<\/label>\n  \t\t<span class=\"badge badge-pill\" data-toggle=\"tip\" data-placement=\"top left\">\n  \t\t\t?\t<span class=\"tip \">\n\t\t<span class=\"tip-content\">Enter the average annual interest rate of the loans you\u2019d like to refinance<\/span>\n\t\t<span class=\"tip-arrow\"><\/span>\n\t<\/span>\n\t  \t\t<\/span>\n  \t\t<span class=\"input-group interest-rate\">\n  \t\t\t<input type=\"number\" min=\"2.00\" value=\"6.8\" max=\"100\" step=\".01\" name=\"interest-rate\" id=\"interest-rate\" aria-label=\"Interest rate\" class=\"form-control\">\n  \t\t\t<span class=\"input-group-addon\">%<\/span>\n  \t\t<\/span>\n  \t<\/div>\n  <\/div>\n  <div class=\"col-xs-6 col-lg\">\n    <div class=\"form-group\">\n  \t\t<label for=\"monthly-payment\">Monthly payment<\/label>\n  \t\t<span class=\"badge badge-pill\" data-toggle=\"tip\" data-placement=\"top left\">\n  \t\t\t?\t<span class=\"tip \">\n\t\t<span class=\"tip-content\">Enter the monthly amount you currently pay on your loans (or enter remaining term)<\/span>\n\t\t<span class=\"tip-arrow\"><\/span>\n\t<\/span>\n\t  \t\t<\/span>\n  \t\t<span class=\"input-group monthly-payment\">\n  \t\t\t<span class=\"input-group-addon\">$<\/span>\n  \t\t\t<input type=\"text\" value=\"620\" min=\"1\" step=\"10\" name=\"monthly-payment\" id=\"monthly-payment\" aria-label=\"Monthly payment\" class=\"form-control\" inputmode=\"numeric\" pattern=\"[0-9]*\">\n  \t\t<\/span>\n  \t<\/div>\n  <\/div>\n  <div class=\"col-xs-6 col-lg\">\n    <div class=\"form-group\">\n  \t\t<label for=\"remaining-term\">Remaining term<\/label>\n  \t\t<span class=\"badge badge-pill\" data-toggle=\"tip\" data-placement=\"top left\">\n  \t\t\t?\t<span class=\"tip \">\n\t\t<span class=\"tip-content\">Enter the amount of time left to repay your loan (or enter monthly payment)<\/span>\n\t\t<span class=\"tip-arrow\"><\/span>\n\t<\/span>\n\t  \t\t<\/span>\n  \t\t<span class=\"input-group remaining-term\">\n  \t\t\t<input type=\"number\" value=\"9\" min=\"1\" max=\"50\" step=\"1\" name=\"remaining-term\" id=\"remaining-term\" aria-label=\"Remaining term\" class=\"form-control\" inputmode=\"numeric\" pattern=\"[0-9]*\">\n  \t\t\t<span class=\"input-group-addon\">years<\/span>\n  \t\t<\/span>\n  \t<\/div>\n  <\/div>\n  <\/div>\n\n  <p>Step 3. Enter your new loan information to start calculating your savings<\/p>\n\n  <div class=\"row form-groups\">\n  <div class=\"col-xs-8 col-lg\">\n    <div class=\"form-group\">\n  \t\t<label for=\"new-interest-rate\">Interest rate<\/label>\n  \t\t<span class=\"badge badge-pill\" data-toggle=\"tip\" data-placement=\"top left\">\n  \t\t\t?\t<span class=\"tip \">\n\t\t<span class=\"tip-content\">Enter an estimated new interest rate.<\/span>\n\t\t<span class=\"tip-arrow\"><\/span>\n\t<\/span>\n\t  \t\t<\/span>\n  \t\t<span class=\"input-group new-interest-rate\">\n  \t\t\t<input type=\"number\" value=\"4.25\" min=\"2.00\" max=\"100\" step=\".01\" name=\"new-interest-rate\" id=\"new-interest-rate\" aria-label=\"Interest rate\" class=\"form-control\">\n  \t\t\t<span class=\"input-group-addon\">%<\/span>\n  \t\t<\/span>\n    <\/div>\n  <\/div>\n  <div class=\"col-xs-6 col-lg\">\n    <div class=\"form-group\">\n  \t\t<label for=\"new-monthly-payment\">Monthly payment<\/label>\n  \t\t<span class=\"badge badge-pill\" data-toggle=\"tip\" data-placement=\"top left\">\n  \t\t\t?\t<span class=\"tip \">\n\t\t<span class=\"tip-content\">Enter the monthly amount to pay on your new loan (or enter new loan term)<\/span>\n\t\t<span class=\"tip-arrow\"><\/span>\n\t<\/span>\n\t  \t\t<\/span>\n  \t\t<span class=\"input-group new-monthly-payment\">\n  \t\t\t<span class=\"input-group-addon\">$<\/span>\n  \t\t\t<input type=\"text\" value=\"533\" min=\"1\" step=\"10\" name=\"new-monthly-payment\" id=\"new-monthly-payment\" aria-label=\"Monthly payment\" class=\"form-control\" inputmode=\"numeric\" pattern=\"[0-9]*\">\n  \t\t<\/span>\n    <\/div>\n  <\/div>\n  <div class=\"col-xs-6 col-lg\">\n    <div class=\"form-group\">\n  \t\t<label for=\"new-remaining-term\">New loan term<\/label>\n  \t\t<span class=\"badge badge-pill\" data-toggle=\"tip\" data-placement=\"top left\" title=\"\">\n  \t\t\t?\t<span class=\"tip \">\n\t\t<span class=\"tip-content\">Enter the amount of time you have to repay your loan (or enter monthly payment)<\/span>\n\t\t<span class=\"tip-arrow\"><\/span>\n\t<\/span>\n\t  \t\t<\/span>\n  \t\t<span class=\"input-group new-remaining-term\">\n  \t\t\t<input type=\"number\" value=\"10\" min=\"1\" max=\"50\" step=\"1\" name=\"new-remaining-term\" id=\"new-remaining-term\" aria-label=\"Remaining term\" class=\"form-control\" inputmode=\"numeric\" pattern=\"[0-9]*\">\n  \t\t\t<span class=\"input-group-addon\">years<\/span>\n  \t\t<\/span>\n    <\/div>\n  <\/div>\n  <\/div>\n\n<\/div>\n<div class=\"outputs container\">\n\n  <div class=\"results row\">\n  <div class=\"col-xs-6 col-sm-4 col-md-6 col-lg-4\">\n    <div id=\"total-difference-container\" class=\"negative\">\n  \t\t<span class=\"is-negative\">Lifetime Savings<\/span>\n  \t\t<span class=\"is-positive\">Increased Lifetime Cost<\/span>\n    \t<big>$<span id=\"total-difference\"><\/span><\/big>\n    <\/div>\n  <\/div>\n  <div class=\"col-xs-6 col-sm-4 col-md-6 col-lg-4\">\n  \tNew Monthly Payment\n  \t<big>$<span id=\"output-new-monthly-payment\"><\/span><\/big>\n  <\/div>\n  <div class=\"col-xs-12 col-sm-4 col-md-12 col-lg-4\">\n    <div id=\"payment-difference-container\" class=\"negative\">\n    \t\t<span class=\"is-negative\">Monthly Savings<\/span>\n    \t\t<span class=\"is-positive\">Increased Monthly Cost<\/span>\n    \t<big>$<span class=\"payment-difference\"><\/span><\/big>\n    <\/div>\n  <\/div>\n  <\/div>\n\n  <p class=\"results-sentence\">\n    If you refinance your student loan at\n    <strong><span id=\"output-new-interest-rate\"><\/span>%<\/strong>\n    interest rate, you\n    <span class=\"payment-difference-is-negative\">can save<\/span>\n    <span class=\"payment-difference-is-positive\">will pay an additional<\/span>\n    <strong>$<span class=\"payment-difference\"><\/span><\/strong>\n    monthly and pay off your loan by\n    <strong><span id=\"new-loan-payoff-date\"><\/span><\/strong>.\n    The total cost of the new loan will be\n    <strong>$<span class=\"output-new-total\"><\/span><\/strong>.\n  <\/p>\n\n  <hr \/>\n  <div class=\"cta\">\n    \n<p><strong>Does refinancing make sense for you?<\/strong><br \/>\nCompare offers from top refinancing lenders to determine your actual savings.<\/p>\n<p><a class=\"btn btn-lg btn-warning\" href=\"\/refi\/prequal\">Check Personalized Rates<\/a><\/p>\n<p><small>Checking rates won&#8217;t affect your credit score.<\/small><\/p>\n  <\/div>\n\n<\/div>\n<\/div>\n\n<hr \/>\n<p><a name=\"how-to-refinance-student-loans\"><\/a><\/p>\n<h2>How to refinance student loans<\/h2>\n<p>If you\u2019re ready to refinance your student loans, follow these four steps:<\/p>\n<ol>\n<li><b>Research and compare lenders.<\/b> In addition to SoFi and CommonBond, be sure to compare as many lenders as possible to find the right loan for you. Consider not only interest rates but also repayment terms, any fees charged by the lender, and eligibility requirements.<\/li>\n<li><b>Pick a loan option.<\/b> After comparing lenders, choose the loan option that best suits your needs.<\/li>\n<li><b>Complete the application. <\/b>Once you\u2019ve picked a lender, you\u2019ll need to fill out a full application and submit any required documentation, such as tax returns or pay stubs. Also be prepared to provide information regarding each of the loans you want to refinance.<\/li>\n<li><b>Manage your payments. <\/b>If you\u2019re approved, continue making payments on your old loans until the refinanced is processed. Afterward, you might consider signing up for autopay so you won\u2019t miss any payments in the future \u2014 several lenders offer a rate discount to borrowers who opt for automatic payments, including SoFi and CommonBond.<\/li>\n<\/ol>\n<p><b><i>Check Out: <\/i><\/b><a href=\"https:\/\/www.credible.com\/blog\/student-loans\/repayment-options-private-student-loans\/\"><b><i>Private Student Loan Repayment Options<\/i><\/b><\/a><\/p>\n<p><a name=\"compare-options-before-picking-lender\"><\/a><\/p>\n<h2>Compare your options before picking a lender<\/h2>\n<p>If your loan balance is higher than the <a href=\"https:\/\/www.credible.com\/blog\/statistics\/average-student-loan-debt-statistics\/\">average student loan debt<\/a>, refinancing your student loans can be a smart way to save money and pay off your loans early. However, make sure you compare as many lenders as possible to find the best interest rate and loan terms for you.<\/p>\n<p>Although SoFi isn\u2019t one of our partner lenders, you can use Credible to compare rates from CommonBond and other refinancing lenders all at once without affecting your credit.<\/p>\n<div id=\"loan-score-tool\">\n  Loading widget - loan-score-tool\n<\/div>\n\n","protected":false},"excerpt":{"rendered":"<p>SoFi and CommonBond are two student loan refinancing companies that offer flexible repayment terms and don\u2019t charge origination fees or prepayment penalties. However, the two companies differ in some unique ways \u2014 especially when it&hellip; <a class=\"more \" href=\"https:\/\/www.credible.com\/blog\/refinance-student-loans\/commonbond-vs-sofi\/\">Continue reading<\/a><\/p>\n","protected":false},"author":28,"featured_media":55266,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"om_disable_all_campaigns":false,"inline_featured_image":false,"footnotes":""},"categories":[2],"tags":[1464],"class_list":["post-38376","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-refinance-student-loans","tag-no-sidebar","commonbond-vs-sofi","post_tag-no-sidebar"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>SoFi vs Commonbond: Student Loan Refinancing Comparison<\/title>\n<meta name=\"description\" content=\"If you\u2019re planning 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