{"id":54792,"date":"2021-09-10T05:03:59","date_gmt":"2021-09-10T12:03:59","guid":{"rendered":"https:\/\/www.credible.com\/blog\/?p=54792"},"modified":"2024-01-11T15:12:49","modified_gmt":"2024-01-11T23:12:49","slug":"12-best-loans-for-refinancing-student-loans-without-a-cosigner","status":"publish","type":"post","link":"https:\/\/www.credible.com\/blog\/refinance-student-loans\/refinance-without-cosigner\/","title":{"rendered":"8 Best Loans for Refinancing Student Loans Without a Cosigner"},"content":{"rendered":"<p>Refinancing your student loans with a cosigner could improve your approval chances as well as possibly get you a lower interest rate than you\u2019d get on your own.<\/p>\n<p>However, you don\u2019t have to refinance with a cosigner if you meet the lender\u2019s underwriting criteria on your own.<\/p>\n<p><b>If you\u2019re wondering how to refinance student loans without a cosigner, here\u2019s what you should know:<\/b><\/p>\n<ul>\n<li><a href=\"#lenders-refinancing-without-cosigner\">Best lenders for refinancing without a cosigner<\/a><\/li>\n<li><a href=\"#other-student-refinancing-lenders-consider\">Other student loan refinancing lenders to consider<\/a><\/li>\n<li><a href=\"#how-refinance-loan-without-cosigner\">How to refinance student loans without a cosigner<\/a><\/li>\n<li><a href=\"#pros-not-cosigner-refinancing\">Pros of not using a cosigner when refinancing<\/a><\/li>\n<li><a href=\"#cons-not-cosigner-refinancing\">Cons of not using a cosigner when refinancing<\/a><\/li>\n<li><a href=\"#how-cosigner-release-works\">How cosigner release works<\/a><\/li>\n<li><a href=\"#frequently-asked-refinancing-without-cosigner\">Frequently asked questions about refinancing without a cosigner<\/a><\/li>\n<\/ul>\n<p><a name=\"lenders-refinancing-without-cosigner\"><\/a><\/p>\n<h2>Best lenders for refinancing without a cosigner<\/h2>\n<p>If you\u2019re thinking about <a href=\"https:\/\/www.credible.com\/refinance-student-loans\">refinancing your student loans<\/a> without a cosigner, it\u2019s important to compare as many lenders as possible first. This way, you can find the right loan for your situation.<\/p>\n<div class=\"basic-box\" style=\"border: 1px solid #E2E4E6;\"><div class=\"basic-box__inside\"><b>Keep in mind: <\/b>You\u2019ll generally need good to excellent credit to get approved for refinancing \u2014 especially if you don\u2019t have a cosigner. A good credit score is usually considered to be 700 or higher.<\/p>\n<p>There are also some lenders that offer <a href=\"https:\/\/www.credible.com\/blog\/refinance-student-loans\/with-bad-credit\">student loan refinancing for bad credit<\/a>. But these loans typically come with higher interest rates compared to good credit loans.<\/div><\/div>\n<p>Here are Credible\u2019s partner lenders that don\u2019t require a cosigner for refinancing:<\/p>\n\n<table id=\"tablepress-806\" class=\"tablepress tablepress-id-806 table table-border-top table-rounded table-align-center table-capitalized-column-titles table-no-img-margin tbody-has-connected-cells\">\n<thead>\n<tr class=\"row-1\">\n\t<th class=\"column-1\"><strong>Lender<\/strong><\/th><th class=\"column-2\"><strong>Fixed rates from (APR)<\/strong><\/th><th class=\"column-3\"><strong>Variable rates from (APR)<\/strong><\/th><th class=\"column-4\"><strong>Loan terms (years)<\/strong><\/th><th class=\"column-5\"><strong>Loan amounts<\/strong><\/th><th class=\"column-6\"><strong>Offer Cosigner Release?<\/strong><\/th>\n<\/tr>\n<\/thead>\n<tbody class=\"row-hover\">\n<tr class=\"row-2\">\n\t<td class=\"column-1\"><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\/brazos\/\">Credible Rating<\/a>\n                                    <\/span>\n                                    <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-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\" role=\"img\" aria-label=\"4 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 class=\"details-link\">\n                <a href=\"#\" class=\"collapsed\" data-target=\"#brazos\" data-toggle=\"collapse\" role=\"button\">View details<\/a>\n            <\/div>\n        <\/div>\n        <\/td><td class=\"column-2\">  <span>\n    3.99%+<sup><\/sup>\n  <\/span>\n<\/td><td class=\"column-3\">  <span>\n    3.65%+<sup><\/sup>\n  <\/span>\n<\/td><td class=\"column-4\">5, 7, 10, 15, 20<\/td><td class=\"column-5\">$10,000 up to $250,000<br \/>\n<small>(depending on degree)<\/td><td class=\"column-6\">No<\/td>\n<\/tr>\n<tr class=\"row-3\">\n\t<td colspan=\"6\" class=\"column-1\">            <div id=\"brazos\" class=\"collapse tablepress-lender-details__container\">\n                <ul>\n                                                <li><span class=\"font-weight-bold\">Fixed APR:<\/span>\n                                  <span>\n    3.99%+<sup><\/sup>\n  <\/span>\n<\/li>\n                                                <li><span class=\"font-weight-bold\">Variable APR:<\/span>\n                                  <span>\n    3.65%+<sup><\/sup>\n  <\/span>\n<\/li>\n                                                <li><span class=\"font-weight-bold\">Min. credit score:<\/span>\n                                720<\/li>\n                                                <li><span class=\"font-weight-bold\">Loan amount:<\/span>\n                                $10,000 to $400,000<\/li>\n                                                <li><span class=\"font-weight-bold\">Loan terms (years):<\/span>\n                                5, 7, 10, 15, 20<\/li>\n                                                <li><span class=\"font-weight-bold\">Repayment options:<\/span>\n                                Military deferment, forbearance<\/li>\n                                                <li><span class=\"font-weight-bold\">Fees:<\/span>\n                                Late fee<\/li>\n                                                <li><span class=\"font-weight-bold\">Discounts:<\/span>\n                                Autopay<\/li>\n                                                <li><span class=\"font-weight-bold\">Eligibility:<\/span>\n                                Must have a credit score of at least 720, a minimum income of $60,000, and must be a resident of Texas<\/li>\n                                                <li><span class=\"font-weight-bold\">Customer service:<\/span>\n                                Email, phone<\/li>\n                                                <li><span class=\"font-weight-bold\">Soft credit check:<\/span>\n                                720<\/li>\n                                                <li><span class=\"font-weight-bold\">Cosigner release:<\/span>\n                                No<\/li>\n                                                <li><span class=\"font-weight-bold\">Loan servicer:<\/span>\n                                Firstmark Services<\/li>\n                                                <li><span class=\"font-weight-bold\">Max. Undergraduate Loan Balance:<\/span>\n                                $100,000 - $149,000<\/li>\n                                                <li><span class=\"font-weight-bold\">Max. Graduate Loan Balance:<\/span>\n                                $200,000 - $400,000<\/li>\n                                                <li><span class=\"font-weight-bold\">Offers Parent PLUS Refinancing:<\/span>\n                                Does not disclose<\/li>\n                                    <\/ul>\n                            <\/div>\n        <\/td>\n<\/tr>\n<tr class=\"row-4\">\n\t<td class=\"column-1\"><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\/citizens-bank\/#citizens-bank-student-loan-refinancing\">Credible Rating<\/a>\n                                    <\/span>\n                                    <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-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\" role=\"img\" aria-label=\"3 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 half star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-half.svg\">\n                        <img decoding=\"async\" class=\"star-light\" alt=\"An empty star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-empty.svg\">\n                        <\/div>\n            <div class=\"details-link\">\n                <a href=\"#\" class=\"collapsed\" data-target=\"#citizens-bank-refi\" data-toggle=\"collapse\" role=\"button\">View details<\/a>\n            <\/div>\n        <\/div>\n        <\/td><td class=\"column-2\">  <span>\n    5.65%+<sup>1<\/sup>\n  <\/span>\n <\/td><td class=\"column-3\">  <span>\n    5.69%+<sup>1<\/sup>\n  <\/span>\n<\/td><td class=\"column-4\">5, 7, 10, 15, 20<\/td><td class=\"column-5\">$10,000 to $500,000<br \/>\n<small>(depending on degree and loan type)<\/td><td class=\"column-6\">Yes, after 36 months<\/td>\n<\/tr>\n<tr class=\"row-5\">\n\t<td colspan=\"6\" class=\"column-1\">            <div id=\"citizens-bank-refi\" class=\"collapse tablepress-lender-details__container\">\n                <ul>\n                                                <li><span class=\"font-weight-bold\">Fixed APR:<\/span>\n                                  <span>\n    5.65%+<sup>1<\/sup>\n  <\/span>\n<\/li>\n                                                <li><span class=\"font-weight-bold\">Variable APR:<\/span>\n                                  <span>\n    5.69%+<sup>1<\/sup>\n  <\/span>\n<\/li>\n                                                <li><span class=\"font-weight-bold\">Min. credit score:<\/span>\n                                Does not disclose<\/li>\n                                                <li><span class=\"font-weight-bold\">Loan amount:<\/span>\n                                $10,000 to $750,000<\/li>\n                                                <li><span class=\"font-weight-bold\">Loan terms (years):<\/span>\n                                5, 7, 10, 15, 20<\/li>\n                                                <li><span class=\"font-weight-bold\">Repayment options:<\/span>\n                                Immediate repayment, academic deferment, military deferment, forbearance, loans discharged upon death or disability<\/li>\n                                                <li><span class=\"font-weight-bold\">Fees:<\/span>\n                                Late fee<\/li>\n                                                <li><span class=\"font-weight-bold\">Discounts:<\/span>\n                                Autopay, loyalty<\/li>\n                                                <li><span class=\"font-weight-bold\">Eligibility:<\/span>\n                                Must be a U.S. citizen or permanent resident and have at least $10,000 in student loans<\/li>\n                                                <li><span class=\"font-weight-bold\">Customer service:<\/span>\n                                Email, phone, chat<\/li>\n                                                <li><span class=\"font-weight-bold\">Soft credit check:<\/span>\n                                Yes<\/li>\n                                                <li><span class=\"font-weight-bold\">Cosigner release:<\/span>\n                                After 24 to 36 months<\/li>\n                                                <li><span class=\"font-weight-bold\">Loan servicer:<\/span>\n                                Firstmark Services<\/li>\n                                                <li><span class=\"font-weight-bold\">Max. Undergraduate Loan Balance:<\/span>\n                                $100,000 to $149,000<\/li>\n                                                <li><span class=\"font-weight-bold\">Max. Graduate Loan Balance:<\/span>\n                                Less than $150,000<\/li>\n                                                <li><span class=\"font-weight-bold\">Offers Parent PLUS Refinancing:<\/span>\n                                Yes<\/li>\n                                    <\/ul>\n                            <\/div>\n        <\/td>\n<\/tr>\n<tr class=\"row-6\">\n\t<td class=\"column-1\"><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\/college-ave\/#college-ave-student-loan-refinancing\">Credible Rating<\/a>\n                                    <\/span>\n                                    <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-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\" role=\"img\" aria-label=\"4 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 class=\"details-link\">\n                <a href=\"#\" class=\"collapsed\" data-target=\"#college-ave\" data-toggle=\"collapse\" role=\"button\">View details<\/a>\n            <\/div>\n        <\/div>\n        <\/td><td class=\"column-2\">  <span>\n    6.99%+<sup>2<\/sup>\n  <\/span>\n<\/td><td class=\"column-3\">  <span>\n    6.99%+<sup>2<\/sup>\n  <\/span>\n<\/td><td class=\"column-4\">5, 7, 10, 12, 15, 20<\/td><td class=\"column-5\">$5,000 to $300,000<br \/>\n<small>(depending on degree type)<\/td><td class=\"column-6\">Yes, after 24 months<\/td>\n<\/tr>\n<tr class=\"row-7\">\n\t<td colspan=\"6\" class=\"column-1\">            <div id=\"college-ave\" class=\"collapse tablepress-lender-details__container\">\n                <ul>\n                                                <li><span class=\"font-weight-bold\">Fixed APR:<\/span>\n                                  <span>\n    6.99%+<sup>2<\/sup>\n  <\/span>\n<\/li>\n                                                <li><span class=\"font-weight-bold\">Variable APR:<\/span>\n                                  <span>\n    6.99%+<sup>2<\/sup>\n  <\/span>\n<\/li>\n                                                <li><span class=\"font-weight-bold\">Min. credit score:<\/span>\n                                 Does not disclose<\/li>\n                                                <li><span class=\"font-weight-bold\">Loan amount:<\/span>\n                                $5,000 to $300,000<\/li>\n                                                <li><span class=\"font-weight-bold\">Loan terms (years):<\/span>\n                                5, 7, 10, 12, 15<\/li>\n                                                <li><span class=\"font-weight-bold\">Repayment options:<\/span>\n                                Military deferment, forbearance, loans discharged upon death or disability<\/li>\n                                                <li><span class=\"font-weight-bold\">Fees:<\/span>\n                                Late fee<\/li>\n                                                <li><span class=\"font-weight-bold\">Discounts:<\/span>\n                                Autopay<\/li>\n                                                <li><span class=\"font-weight-bold\">Eligibility:<\/span>\n                                All states except for ME<\/li>\n                                                <li><span class=\"font-weight-bold\">Customer service:<\/span>\n                                Email, phone, chat<\/li>\n                                                <li><span class=\"font-weight-bold\">Soft credit check:<\/span>\n                                Yes<\/li>\n                                                <li><span class=\"font-weight-bold\">Cosigner release:<\/span>\n                                After 24 to 36 months<\/li>\n                                                <li><span class=\"font-weight-bold\">Loan servicer:<\/span>\n                                College Ave Servicing LLC<\/li>\n                                                <li><span class=\"font-weight-bold\">Max. Undergraduate Loan Balance:<\/span>\n                                $100,000 to $149,000<\/li>\n                                                <li><span class=\"font-weight-bold\">Max. Graduate Loan Balance:<\/span>\n                                Less than $300,000<\/li>\n                                                <li><span class=\"font-weight-bold\">Offers Parent PLUS Refinancing:<\/span>\n                                Yes<\/li>\n                                    <\/ul>\n                            <\/div>\n        <\/td>\n<\/tr>\n<tr class=\"row-8\">\n\t<td class=\"column-1\"><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\/edvestinu\/#edvestinu-student-loan-refinancing-review\">Credible Rating<\/a>\n                                    <\/span>\n                                    <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-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\" role=\"img\" aria-label=\"3 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 three-quarter star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-three-quarter.svg\">\n                        <img decoding=\"async\" class=\"star-light\" alt=\"An empty star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-empty.svg\">\n                        <\/div>\n            <div class=\"details-link\">\n                <a href=\"#\" class=\"collapsed\" data-target=\"#edvestinu\" data-toggle=\"collapse\" role=\"button\">View details<\/a>\n            <\/div>\n        <\/div>\n        <br \/>\n<\/td><td class=\"column-2\">  <span>\n    4.15%+<sup>5<\/sup>\n  <\/span>\n<\/td><td class=\"column-3\">  <span>\n    5.22%+<sup>5<\/sup>\n  <\/span>\n<\/td><td class=\"column-4\">5, 10, 15, 20<\/td><td class=\"column-5\">$1,000 to $250,000<\/td><td class=\"column-6\">Yes, after 36 months<\/td>\n<\/tr>\n<tr class=\"row-9\">\n\t<td colspan=\"6\" class=\"column-1\">            <div id=\"edvestinu\" class=\"collapse tablepress-lender-details__container\">\n                <ul>\n                                                <li><span class=\"font-weight-bold\">Fixed APR:<\/span>\n                                  <span>\n    4.15%+<sup>5<\/sup>\n  <\/span>\n<\/li>\n                                                <li><span class=\"font-weight-bold\">Variable APR:<\/span>\n                                  <span>\n    5.22%+<sup>5<\/sup>\n  <\/span>\n<\/li>\n                                                <li><span class=\"font-weight-bold\">Min. credit score:<\/span>\n                                700<\/li>\n                                                <li><span class=\"font-weight-bold\">Loan amount:<\/span>\n                                $7,500 to $200,000<\/li>\n                                                <li><span class=\"font-weight-bold\">Loan terms (years):<\/span>\n                                5, 10, 15, 20<\/li>\n                                                <li><span class=\"font-weight-bold\">Repayment options:<\/span>\n                                Immediate repayment, academic deferment, forbearance, loans discharged upon death or disability<\/li>\n                                                <li><span class=\"font-weight-bold\">Fees:<\/span>\n                                None<\/li>\n                                                <li><span class=\"font-weight-bold\">Discounts:<\/span>\n                                Autopay<\/li>\n                                                <li><span class=\"font-weight-bold\">Eligibility:<\/span>\n                                Must be a U.S. citizen or permanent resident and submit two personal references<\/li>\n                                                <li><span class=\"font-weight-bold\">Customer service:<\/span>\n                                Email, phone<\/li>\n                                                <li><span class=\"font-weight-bold\">Soft credit check:<\/span>\n                                Yes<\/li>\n                                                <li><span class=\"font-weight-bold\">Cosigner release:<\/span>\n                                After 24 months<\/li>\n                                                <li><span class=\"font-weight-bold\">Loan servicer:<\/span>\n                                Firstmark Services<\/li>\n                                                <li><span class=\"font-weight-bold\">Max. Undergraduate Loan Balance:<\/span>\n                                $150,000 to $249,000<\/li>\n                                                <li><span class=\"font-weight-bold\">Max. Graduate Loan Balance:<\/span>\n                                $150,000 to $199,000<\/li>\n                                                <li><span class=\"font-weight-bold\">Offers Parent PLUS Refinancing :<\/span>\n                                Yes<\/li>\n                                    <\/ul>\n                            <\/div>\n        <\/td>\n<\/tr>\n<tr class=\"row-10\">\n\t<td class=\"column-1\"><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\/elfi\/\">Credible Rating<\/a>\n                                    <\/span>\n                                    <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-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\" role=\"img\" aria-label=\"4 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 class=\"details-link\">\n                <a href=\"#\" class=\"collapsed\" data-target=\"#elfi\" data-toggle=\"collapse\" role=\"button\">View details<\/a>\n            <\/div>\n        <\/div>\n        <\/td><td class=\"column-2\">  <span>\n    4.29%+<sup>3<\/sup>\n  <\/span>\n<\/td><td class=\"column-3\">  <span>\n    4.74%+<sup>3<\/sup>\n  <\/span>\n<\/td><td class=\"column-4\">5, 7, 10, 12, 15, 20<\/td><td class=\"column-5\">$10,000 to $250,000<\/td><td class=\"column-6\">No<\/td>\n<\/tr>\n<tr class=\"row-11\">\n\t<td colspan=\"6\" class=\"column-1\">            <div id=\"elfi\" class=\"collapse tablepress-lender-details__container\">\n                <ul>\n                                                <li><span class=\"font-weight-bold\">Fixed APR:<\/span>\n                                  <span>\n    4.29%+<sup>3<\/sup>\n  <\/span>\n<\/li>\n                                                <li><span class=\"font-weight-bold\">Variable APR:<\/span>\n                                  <span>\n    4.74%+<sup>3<\/sup>\n  <\/span>\n<\/li>\n                                                <li><span class=\"font-weight-bold\">Min. credit score:<\/span>\n                                680<\/li>\n                                                <li><span class=\"font-weight-bold\">Loan amount:<\/span>\n                                $10,000 to $250,000<\/li>\n                                                <li><span class=\"font-weight-bold\">Loan terms (years):<\/span>\n                                5, 7, 10, 15, 20<\/li>\n                                                <li><span class=\"font-weight-bold\">Repayment options:<\/span>\n                                Forbearance<\/li>\n                                                <li><span class=\"font-weight-bold\">Fees:<\/span>\n                                None<\/li>\n                                                <li><span class=\"font-weight-bold\">Discounts:<\/span>\n                                None<\/li>\n                                                <li><span class=\"font-weight-bold\">Eligibility:<\/span>\n                                Must be a U.S. citizen or permanent resident, have at least $15,000 in student loan debt, and have a bachelor\u2019s degree or higher from an approved school<\/li>\n                                                <li><span class=\"font-weight-bold\">Customer service:<\/span>\n                                Email, phone<\/li>\n                                                <li><span class=\"font-weight-bold\">Soft credit check:<\/span>\n                                Yes<\/li>\n                                                <li><span class=\"font-weight-bold\">Cosigner release:<\/span>\n                                No<\/li>\n                                                <li><span class=\"font-weight-bold\">Loan servicer:<\/span>\n                                Mohela<\/li>\n                                                <li><span class=\"font-weight-bold\">Max. Undergraduate Loan Balance:<\/span>\n                                $250,000<\/li>\n                                                <li><span class=\"font-weight-bold\">Max. Graduate Loan Balance:<\/span>\n                                $250,000<\/li>\n                                                <li><span class=\"font-weight-bold\">Offers Parent PLUS Refinancing:<\/span>\n                                Yes<\/li>\n                                    <\/ul>\n                            <\/div>\n        <\/td>\n<\/tr>\n<tr class=\"row-12\">\n\t<td class=\"column-1\"><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\/invested\/#invested-refinancing\">Credible Rating<\/a>\n                                    <\/span>\n                                    <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-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\" role=\"img\" aria-label=\"3 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=\"An empty star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-empty.svg\">\n                            <img decoding=\"async\" class=\"star-light\" alt=\"An empty star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-empty.svg\">\n                        <\/div>\n            <div class=\"details-link\">\n                <a href=\"#\" class=\"collapsed\" data-target=\"#invested-slr\" data-toggle=\"collapse\" role=\"button\">View details<\/a>\n            <\/div>\n        <\/div>\n        <\/td><td class=\"column-2\">  <span>\n    5.31%+<sup>4<\/sup>\n  <\/span>\n<\/td><td class=\"column-3\">  <span>\n    6.83%+<sup>4<\/sup>\n  <\/span>\n<\/td><td class=\"column-4\">5, 10, 15, 20<\/td><td class=\"column-5\">$5,000 to $250,000<\/td><td class=\"column-6\">Yes, after 48 months of on-time payments<\/td>\n<\/tr>\n<tr class=\"row-13\">\n\t<td colspan=\"6\" class=\"column-1\">            <div id=\"invested-slr\" class=\"collapse tablepress-lender-details__container\">\n                <ul>\n                                                <li><span class=\"font-weight-bold\">Fixed APR:<\/span>\n                                  <span>\n    5.31%+<sup>4<\/sup>\n  <\/span>\n<\/li>\n                                                <li><span class=\"font-weight-bold\">Variable APR:<\/span>\n                                  <span>\n    6.83%+<sup>4<\/sup>\n  <\/span>\n<\/li>\n                                                <li><span class=\"font-weight-bold\">Min. credit score:<\/span>\n                                670<\/li>\n                                                <li><span class=\"font-weight-bold\">Loan amount:<\/span>\n                                $5,000 to $250,000<\/li>\n                                                <li><span class=\"font-weight-bold\">Loan terms (years):<\/span>\n                                5, 10, 15, 20<\/li>\n                                                <li><span class=\"font-weight-bold\">Repayment options:<\/span>\n                                Academic deferment, military deferment, forbearance<\/li>\n                                                <li><span class=\"font-weight-bold\">Fees:<\/span>\n                                Late fee, returned payment fee<\/li>\n                                                <li><span class=\"font-weight-bold\">Discounts:<\/span>\n                                Autopay<\/li>\n                                                <li><span class=\"font-weight-bold\">Eligibility:<\/span>\n                                Must be U.S. citizen or permanent resident<\/li>\n                                                <li><span class=\"font-weight-bold\">Customer service:<\/span>\n                                Email, phone, chat<\/li>\n                                                <li><span class=\"font-weight-bold\">Soft credit check:<\/span>\n                                Yes<\/li>\n                                                <li><span class=\"font-weight-bold\">Cosigner release:<\/span>\n                                Yes<\/li>\n                                                <li><span class=\"font-weight-bold\">Max undergraduate loan balance:<\/span>\n                                $250,000<\/li>\n                                                <li><span class=\"font-weight-bold\">Max graduate loan balance:<\/span>\n                                $250,000<\/li>\n                                                <li><span class=\"font-weight-bold\">Offers Parent PLUS refinancing:<\/span>\n                                Yes<\/li>\n                                    <\/ul>\n                            <\/div>\n        <\/td>\n<\/tr>\n<tr class=\"row-14\">\n\t<td class=\"column-1\"><center><br \/>\n            <div class=\"tablepress-lender__logo__container\">\n                <img decoding=\"async\" width=\"171\" height=\"82\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2021\/03\/ISL-Education-lending_logo.png\" class=\"tablepress-lender__logo wp-post-image\" alt=\"ISL Lender\" srcset=\"https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2021\/03\/ISL-Education-lending_logo.png 171w, https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2021\/03\/ISL-Education-lending_logo-150x72.png 150w\" sizes=\"(max-width: 171px) 100vw, 171px\" \/>            <\/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\/isl-education-lending\/\">Credible Rating<\/a>\n                                    <\/span>\n                                    <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-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\" role=\"img\" aria-label=\"4 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 one-quarter star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-quarter.svg\">\n                        <\/div>\n            <div class=\"details-link\">\n                <a href=\"#\" class=\"collapsed\" data-target=\"#iowa-student-loans-slr\" data-toggle=\"collapse\" role=\"button\">View details<\/a>\n            <\/div>\n        <\/div>\n        <\/td><td class=\"column-2\">  <span>\n    6.94%+<sup><\/sup>\n  <\/span>\n<sup>7<\/sup><\/td><td class=\"column-3\">N\/A<\/td><td class=\"column-4\">5, 7, 10, 12, 15, 20<\/td><td class=\"column-5\">Up to $300,000<\/td><td class=\"column-6\">Yes, after 24 months<\/td>\n<\/tr>\n<tr class=\"row-15\">\n\t<td colspan=\"6\" class=\"column-1\">            <div id=\"iowa-student-loans-slr\" class=\"collapse tablepress-lender-details__container\">\n                <ul>\n                                                <li><span class=\"font-weight-bold\">Fixed APR:<\/span>\n                                  <span>\n    6.94%+<sup><\/sup>\n  <\/span>\n<sup>7<\/sup><\/li>\n                                                <li><span class=\"font-weight-bold\">Variable APR:<\/span>\n                                N\/A<\/li>\n                                                <li><span class=\"font-weight-bold\">Min. credit score:<\/span>\n                                670<\/li>\n                                                <li><span class=\"font-weight-bold\">Loan amount:<\/span>\n                                Up to $300,000<\/li>\n                                                <li><span class=\"font-weight-bold\">Loan terms (years):<\/span>\n                                5, 7, 10, 15, 20<\/li>\n                                                <li><span class=\"font-weight-bold\">Time to fund:<\/span>\n                                Usually one business day<\/li>\n                                                <li><span class=\"font-weight-bold\">Repayment options:<\/span>\n                                Academic deferral, military deferral, forbearance, death\/disability discharge<\/li>\n                                                <li><span class=\"font-weight-bold\">Fees:<\/span>\n                                None<\/li>\n                                                <li><span class=\"font-weight-bold\">Discounts:<\/span>\n                                Autopay<\/li>\n                                                <li><span class=\"font-weight-bold\">Eligibility:<\/span>\n                                Available in all 50 states<\/li>\n                                                <li><span class=\"font-weight-bold\">Customer service:<\/span>\n                                Email, phone<\/li>\n                                                <li><span class=\"font-weight-bold\">Soft credit check:<\/span>\n                                Yes<\/li>\n                                                <li><span class=\"font-weight-bold\">Cosigner release:<\/span>\n                                After 24 months<\/li>\n                                                <li><span class=\"font-weight-bold\">Max. undergraduate loan balance:<\/span>\n                                $300,000<\/li>\n                                                <li><span class=\"font-weight-bold\">Max. graduate balance:<\/span>\n                                $300,000<\/li>\n                                                <li><span class=\"font-weight-bold\">Offers Parent PLUS loans:<\/span>\n                                Yes<\/li>\n                                                <li><span class=\"font-weight-bold\">Min. income:<\/span>\n                                None<\/li>\n                                    <\/ul>\n                            <\/div>\n        <\/td>\n<\/tr>\n<tr class=\"row-16\">\n\t<td class=\"column-1\"><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\/mefa\/\">Credible Rating<\/a>\n                                    <\/span>\n                                    <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-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\" role=\"img\" aria-label=\"4 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=\"An empty star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-empty.svg\">\n                        <\/div>\n            <div class=\"details-link\">\n                <a href=\"#\" class=\"collapsed\" data-target=\"#mefa\" data-toggle=\"collapse\" role=\"button\">View details<\/a>\n            <\/div>\n        <\/div>\n        <\/td><td class=\"column-2\">  <span>\n    6.2%+<sup><\/sup>\n  <\/span>\n<\/td><td class=\"column-3\">N\/A<\/td><td class=\"column-4\">7, 10, 15<\/td><td class=\"column-5\">$10,000 up to the total amount of qualified education debt<\/td><td class=\"column-6\"> No<\/td>\n<\/tr>\n<tr class=\"row-17\">\n\t<td colspan=\"6\" class=\"column-1\">            <div id=\"mefa\" class=\"collapse tablepress-lender-details__container\">\n                <ul>\n                                                <li><span class=\"font-weight-bold\">Fixed APR:<\/span>\n                                  <span>\n    6.2%+<sup><\/sup>\n  <\/span>\n<\/li>\n                                                <li><span class=\"font-weight-bold\">Variable APR:<\/span>\n                                N\/A<\/li>\n                                                <li><span class=\"font-weight-bold\">Min. credit score:<\/span>\n                                670<\/li>\n                                                <li><span class=\"font-weight-bold\">Loan amount:<\/span>\n                                $10,000 up to the total amount<\/li>\n                                                <li><span class=\"font-weight-bold\">Loan terms (years):<\/span>\n                                7, 10, 15<\/li>\n                                                <li><span class=\"font-weight-bold\">Repayment options:<\/span>\n                                Military deferment, loans discharged upon death or disability<\/li>\n                                                <li><span class=\"font-weight-bold\">Fees:<\/span>\n                                None<\/li>\n                                                <li><span class=\"font-weight-bold\">Discounts:<\/span>\n                                None<\/li>\n                                                <li><span class=\"font-weight-bold\">Eligibility:<\/span>\n                                Must be a U.S. citizen or permanent resident and have at least $10,000 in student loans<\/li>\n                                                <li><span class=\"font-weight-bold\">Customer service:<\/span>\n                                Email, phone<\/li>\n                                                <li><span class=\"font-weight-bold\">Soft credit check:<\/span>\n                                Yes<\/li>\n                                                <li><span class=\"font-weight-bold\">Cosigner release:<\/span>\n                                No<\/li>\n                                                <li><span class=\"font-weight-bold\">Loan servicer:<\/span>\n                                AES<\/li>\n                                                <li><span class=\"font-weight-bold\">Max. Undergraduate Loan Balance:<\/span>\n                                No maximum<\/li>\n                                                <li><span class=\"font-weight-bold\">Max. Gradaute Loan Balance:<\/span>\n                                No maximum<\/li>\n                                                <li><span class=\"font-weight-bold\">Offers Parent PLUS Refinancing:<\/span>\n                                Yes<\/li>\n                                    <\/ul>\n                            <\/div>\n        <\/td>\n<\/tr>\n<tr class=\"row-18\">\n\t<td class=\"column-1\"><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\/risla\/\">Credible Rating<\/a>\n                                    <\/span>\n                                    <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-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\" role=\"img\" aria-label=\"3 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 half star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-half.svg\">\n                        <img decoding=\"async\" class=\"star-light\" alt=\"An empty star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-empty.svg\">\n                        <\/div>\n            <div class=\"details-link\">\n                <a href=\"#\" class=\"collapsed\" data-target=\"#risla\" data-toggle=\"collapse\" role=\"button\">View details<\/a>\n            <\/div>\n        <\/div>\n        <\/td><td class=\"column-2\">  <span>\n    3.99%+<sup><\/sup>\n  <\/span>\n<\/td><td class=\"column-3\">N\/A<\/td><td class=\"column-4\">5, 10, 15<\/td><td class=\"column-5\">$7,500 up to $250,000<br \/>\n<small>(depending on highest degree earned)<\/td><td class=\"column-6\"> No<\/td>\n<\/tr>\n<tr class=\"row-19\">\n\t<td colspan=\"6\" class=\"column-1\">            <div id=\"risla\" class=\"collapse tablepress-lender-details__container\">\n                <ul>\n                                                <li><span class=\"font-weight-bold\">Fixed APR:<\/span>\n                                  <span>\n    3.99%+<sup><\/sup>\n  <\/span>\n<\/li>\n                                                <li><span class=\"font-weight-bold\">Variable APR:<\/span>\n                                N\/A<\/li>\n                                                <li><span class=\"font-weight-bold\">Min. credit score:<\/span>\n                                680<\/li>\n                                                <li><span class=\"font-weight-bold\">Loan amount:<\/span>\n                                $7,500 to $250,000<\/li>\n                                                <li><span class=\"font-weight-bold\">Loan terms (years):<\/span>\n                                5, 10, 15<\/li>\n                                                <li><span class=\"font-weight-bold\">Repayment options:<\/span>\n                                Academic deferment, military deferment, forbearance, loans discharged upon death or disability<\/li>\n                                                <li><span class=\"font-weight-bold\">Fees:<\/span>\n                                None<\/li>\n                                                <li><span class=\"font-weight-bold\">Discounts:<\/span>\n                                Autopay<\/li>\n                                                <li><span class=\"font-weight-bold\">Eligibility:<\/span>\n                                Available in all 50 states; must also have at least $7,500 in student loans and a minimum income of $40,000<\/li>\n                                                <li><span class=\"font-weight-bold\">Customer service:<\/span>\n                                Email, phone<\/li>\n                                                <li><span class=\"font-weight-bold\">Soft credit check:<\/span>\n                                Does not disclose<\/li>\n                                                <li><span class=\"font-weight-bold\">Cosigner release:<\/span>\n                                No<\/li>\n                                                <li><span class=\"font-weight-bold\">Loan servicer:<\/span>\n                                Rhode Island Student Loan Authority<\/li>\n                                                <li><span class=\"font-weight-bold\">Max. Undergraduate Loan Balance:<\/span>\n                                $150,000 - $249,000<\/li>\n                                                <li><span class=\"font-weight-bold\">Max. Graduate Loan Balance:<\/span>\n                                $200,000 - $249,000<\/li>\n                                                <li><span class=\"font-weight-bold\">Offers Parent PLUS Refinancing:<\/span>\n                                Yes<\/li>\n                                    <\/ul>\n                            <\/div>\n        <\/td>\n<\/tr>\n<tr class=\"row-20\">\n\t<td colspan=\"6\" class=\"column-1\"><p style=\"text-align: center;\"><small>All APRs reflect autopay and loyalty discounts where available | <a href=\"https:\/\/www.citizensbank.com\/student-lending\/DisclosureHub.aspx#rate-lowest\" target=\"_blank\" rel=\"noopener noreferrer\"><sup>1<\/sup>Citizens Disclosures <\/a> | <a href=\"https:\/\/www.credible.com\/a\/college-ave-disclosures\/\" target=\"_blank\" rel=\"noopener noreferrer\"><sup>2<\/sup>College Ave Disclosures <\/a> | <a href=\"https:\/\/www.credible.com\/a\/edvestinu-apr-details-refi\" target=\"_blank\" rel=\"noopener noreferrer\"><sup>5<\/sup>EDvestinU Disclosures <\/a> | <a href=\"https:\/\/www.elfi.com\/terms\/\" target=\"_blank\" rel=\"noopener noreferrer\"><sup>3<\/sup> ELFI Disclosures<\/a> | <a href=\"https:\/\/www.credible.com\/a\/invested-slr-disclosures\" target=\"_blank\" rel=\"noopener noreferrer\"><sup>4<\/sup>INvestEd Disclosures<\/a> | <a href=\"https:\/\/www.credible.com\/a\/ISL-Disclosures\" target=\"_blank\" rel=\"noopener noreferrer\"><sup>7<\/sup>ISL Education Lending Disclosures\u00a0<\/a> | <a href=\"https:\/\/www.credible.com\/disclosures-api\/get-latest\/refi.nelnet.blog-disclosures\"><sup>8<\/sup>Nelnet Bank Disclosures<\/a><\/small><\/p><\/td>\n<\/tr>\n<tr class=\"row-21\">\n\t<td colspan=\"6\" class=\"column-1\"><b>Compare personalized rates from multiple lenders without affecting your credit score. 100% free!<br \/>\n<br \/>\n<center><a class=\"btn btn-warning\" href=\"https:\/\/www.credible.com\/refi\/prequal\">Compare Now<\/a><br \/>\n<!-- TrustBox widget - Micro Combo --><br \/>\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><br \/>\n<!-- End TrustBox widget --><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n\n<h3>Brazos<\/h3>\n<p><b>Best for:<\/b> Borrowers who live in Texas<\/p>\n<p>If you\u2019re a Texas resident, <a href=\"https:\/\/www.credible.com\/lenders\/brazos\/\">Brazos<\/a> could be a good option for refinancing. With Brazos, you can refinance $10,000 to $400,000 (depending on your degree) with terms from five to 20 years.<\/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>Brazos &#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\">4.4<\/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\/brazos\/\">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 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\">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>Brazos 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\">  <span>\n    3.99%+<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 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\">  <span>\n    3.65%+<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\">720<\/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\">$10,000 to $400,000<\/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_7195\" aria-expanded=\"false\" aria-controls=\"collapseExample\">\n            <span>View Details<\/span>\n        <\/a>\n    <\/div>\n    <div class=\"collapse collapse__section\" id=\"lender_details_7195\">\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>   <span>\n    3.99%+<sup><\/sup>\n  <\/span>\n<\/li>\n                                            <li><span class=\"font-weight-bold\">Variable APR:<\/span>   <span>\n    3.65%+<sup><\/sup>\n  <\/span>\n<\/li>\n                                            <li><span class=\"font-weight-bold\">Min. credit score:<\/span> 720<\/li>\n                                            <li><span class=\"font-weight-bold\">Loan amount:<\/span> $10,000 to $400,000<\/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> Military deferment, forbearance<\/li>\n                                            <li><span class=\"font-weight-bold\">Fees:<\/span> Late fee<\/li>\n                                            <li><span class=\"font-weight-bold\">Discounts:<\/span> Autopay<\/li>\n                                    <\/ul>\n            <\/div>\n            <div class=\"col-md-6 p-a-0\">\n                <ul>\n                                            <li><span class=\"font-weight-bold\">Eligibility:<\/span> Must have a credit score of at least 720, a minimum income of $60,000, and must be a resident of Texas<\/li>\n                                            <li><span class=\"font-weight-bold\">Customer service:<\/span> Email, phone<\/li>\n                                            <li><span class=\"font-weight-bold\">Soft credit check:<\/span> 720<\/li>\n                                            <li><span class=\"font-weight-bold\">Cosigner release:<\/span> No<\/li>\n                                            <li><span class=\"font-weight-bold\">Loan servicer:<\/span> Firstmark Services<\/li>\n                                            <li><span class=\"font-weight-bold\">Max. Undergraduate Loan Balance:<\/span> $100,000 - $149,000<\/li>\n                                            <li><span class=\"font-weight-bold\">Max. Graduate Loan Balance:<\/span> $200,000 - $400,000<\/li>\n                                            <li><span class=\"font-weight-bold\">Offers Parent PLUS Refinancing:<\/span> Does not disclose<\/li>\n                                    <\/ul>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/div>    <\/div>\n<p><b>Pros<\/b><\/p>\n<ul>\n<li>0.25% autopay discount<\/li>\n<li>Variety of repayment terms offered<\/li>\n<li>Forbearance options available for economic hardship, active-duty military service, or natural disaster<\/li>\n<\/ul>\n<p><b>Cons<\/b><\/p>\n<ul>\n<li>Only available in Texas<\/li>\n<li>Could be hard to qualify if you don\u2019t have good credit<\/li>\n<li>$60,000 minimum income requirement without a cosigner<\/li>\n<\/ul>\n<h3>Citizens<\/h3>\n<p><b>Best for:<\/b> Borrowers who already have an account with Citizens<\/p>\n<p>With <a href=\"https:\/\/www.credible.com\/lenders\/citizens-bank\/#citizens-bank-student-loan-refinancing\">Citizens<\/a>, you can refinance loan amounts from $10,000 to $750,000 (depending on your degree and loan type) with terms from five to 20 years.<\/p>\n<p>Additionally, if you already have an account with Citizens, you could get a 0.25% rate discount \u2014 plus another 0.25% off your rate if you sign up for autopay.<\/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>Citizens &#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\">3.7<\/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\/citizens-bank\/#citizens-bank-student-loan-refinancing\">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 half star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-half.svg\">\n                        <img decoding=\"async\" class=\"star-light\" alt=\"An empty star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-empty.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 half star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-half.svg\">\n                        <img decoding=\"async\" class=\"dark-star\" alt=\"An empty star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-empty.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>Citizens 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\">  <span>\n    5.65%+<sup>1<\/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 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\">  <span>\n    5.69%+<sup>1<\/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\">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\">$10,000 to $750,000<\/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_7043\" aria-expanded=\"false\" aria-controls=\"collapseExample\">\n            <span>View Details<\/span>\n        <\/a>\n    <\/div>\n    <div class=\"collapse collapse__section\" id=\"lender_details_7043\">\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>   <span>\n    5.65%+<sup>1<\/sup>\n  <\/span>\n<\/li>\n                                            <li><span class=\"font-weight-bold\">Variable APR:<\/span>   <span>\n    5.69%+<sup>1<\/sup>\n  <\/span>\n<\/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> $10,000 to $750,000<\/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> Immediate repayment, academic deferment, military deferment, forbearance, loans discharged upon death or disability<\/li>\n                                            <li><span class=\"font-weight-bold\">Fees:<\/span> Late fee<\/li>\n                                            <li><span class=\"font-weight-bold\">Discounts:<\/span> Autopay, loyalty<\/li>\n                                    <\/ul>\n            <\/div>\n            <div class=\"col-md-6 p-a-0\">\n                <ul>\n                                            <li><span class=\"font-weight-bold\">Eligibility:<\/span> Must be a U.S. citizen or permanent resident and have at least $10,000 in student loans<\/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> After 24 to 36 months<\/li>\n                                            <li><span class=\"font-weight-bold\">Loan servicer:<\/span> Firstmark Services<\/li>\n                                            <li><span class=\"font-weight-bold\">Max. Undergraduate Loan Balance:<\/span> $100,000 to $149,000<\/li>\n                                            <li><span class=\"font-weight-bold\">Max. Graduate Loan Balance:<\/span> Less than $150,000<\/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<p><b>Pros<\/b><\/p>\n<ul>\n<li>0.25% autopay discount<\/li>\n<li>0.25% loyalty discount<\/li>\n<li>Degree not required<\/li>\n<\/ul>\n<p><b>Cons<\/b><\/p>\n<ul>\n<li>Doesn\u2019t disclose minimum credit score or income requirements<\/li>\n<li>Long cosigner release period (36 months)<\/li>\n<\/ul>\n<p><b><i>Check Out: <\/i><\/b><a href=\"https:\/\/www.credible.com\/blog\/refinance-student-loans\/30-year-refinance\/\"><b><i>Can You Refinance a Student Loan to a 30-Year Term?<\/i><\/b><\/a><\/p>\n<h3>College Ave<\/h3>\n<p><b>Best for:<\/b> Variety of repayment terms<\/p>\n<p><a href=\"https:\/\/www.credible.com\/lenders\/college-ave\/#college-ave-student-loan-refinancing\">College Ave<\/a> offers refinancing on loan amounts from $5,000 to $300,000 (depending on degree type). Additionally, borrowers can choose between 16 repayment terms ranging from five to 20 years, making it easier to fit your payments into your budget.<\/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>College Ave &#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\">4.4<\/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\/college-ave\/#college-ave-student-loan-refinancing\">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 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\">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>College Ave 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\">  <span>\n    6.99%+<sup>2<\/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 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\">  <span>\n    6.99%+<sup>2<\/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\"> 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 to $300,000<\/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_7044\" aria-expanded=\"false\" aria-controls=\"collapseExample\">\n            <span>View Details<\/span>\n        <\/a>\n    <\/div>\n    <div class=\"collapse collapse__section\" id=\"lender_details_7044\">\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>   <span>\n    6.99%+<sup>2<\/sup>\n  <\/span>\n<\/li>\n                                            <li><span class=\"font-weight-bold\">Variable APR:<\/span>   <span>\n    6.99%+<sup>2<\/sup>\n  <\/span>\n<\/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 to $300,000<\/li>\n                                            <li><span class=\"font-weight-bold\">Loan terms (years):<\/span> 5, 7, 10, 12, 15<\/li>\n                                            <li><span class=\"font-weight-bold\">Repayment options:<\/span> Military deferment, forbearance, loans discharged upon death or disability<\/li>\n                                            <li><span class=\"font-weight-bold\">Fees:<\/span> Late fee<\/li>\n                                            <li><span class=\"font-weight-bold\">Discounts:<\/span> Autopay<\/li>\n                                    <\/ul>\n            <\/div>\n            <div class=\"col-md-6 p-a-0\">\n                <ul>\n                                            <li><span class=\"font-weight-bold\">Eligibility:<\/span> All states except for ME<\/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> After 24 to 36 months<\/li>\n                                            <li><span class=\"font-weight-bold\">Loan servicer:<\/span> College Ave Servicing LLC<\/li>\n                                            <li><span class=\"font-weight-bold\">Max. Undergraduate Loan Balance:<\/span> $100,000 to $149,000<\/li>\n                                            <li><span class=\"font-weight-bold\">Max. Graduate Loan Balance:<\/span> Less than $300,000<\/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<p><b>Pros<\/b><\/p>\n<ul>\n<li>0.25% autopay discount<\/li>\n<li>Variety of repayment terms available<\/li>\n<li>Cosigner release offered after 24 months of consecutive, on-time payments<\/li>\n<\/ul>\n<p><b>Cons<\/b><\/p>\n<ul>\n<li>Doesn\u2019t disclose minimum credit score or income requirements<\/li>\n<li>Undergraduate or graduate degree required<\/li>\n<li>Parents can\u2019t transfer Parent PLUS Loans to student<\/li>\n<\/ul>\n<h3>EdvestinU<\/h3>\n<p><b>Best for:<\/b> Borrowers who didn\u2019t graduate<\/p>\n<p><a href=\"https:\/\/www.credible.com\/lenders\/edvestinu\/#edvestinu-student-loan-refinance\">EdvestinU<\/a> offers refinancing on loan amounts from $7,500 to $200,000 with terms from five to 20 years. Unlike many lenders, EdvestinU doesn\u2019t require borrowers to have graduated to be eligible.<\/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>EDvestinU &#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\">3.8<\/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\/edvestinu\/#edvestinu-student-loan-refinancing-review\">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 three-quarter star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-three-quarter.svg\">\n                        <img decoding=\"async\" class=\"star-light\" alt=\"An empty star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-empty.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=\"An empty star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-empty.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 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\">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>EdvestinU 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\">  <span>\n    4.15%+<sup>5<\/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 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\">  <span>\n    5.22%+<sup>5<\/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\">700<\/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\">$7,500 to $200,000<\/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>Does refinancing make sense for you? Compare offers from top refinancing lenders to determine your actual savings.<\/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_7045\" aria-expanded=\"false\" aria-controls=\"collapseExample\">\n            <span>View Details<\/span>\n        <\/a>\n    <\/div>\n    <div class=\"collapse collapse__section\" id=\"lender_details_7045\">\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>   <span>\n    4.15%+<sup>5<\/sup>\n  <\/span>\n<\/li>\n                                            <li><span class=\"font-weight-bold\">Variable APR:<\/span>   <span>\n    5.22%+<sup>5<\/sup>\n  <\/span>\n<\/li>\n                                            <li><span class=\"font-weight-bold\">Min. credit score:<\/span> 700<\/li>\n                                            <li><span class=\"font-weight-bold\">Loan amount:<\/span> $7,500 to $200,000<\/li>\n                                            <li><span class=\"font-weight-bold\">Loan terms (years):<\/span> 5, 10, 15, 20<\/li>\n                                            <li><span class=\"font-weight-bold\">Repayment options:<\/span> Immediate repayment, academic deferment, forbearance, loans discharged upon death or disability<\/li>\n                                            <li><span class=\"font-weight-bold\">Fees:<\/span> None<\/li>\n                                            <li><span class=\"font-weight-bold\">Discounts:<\/span> Autopay<\/li>\n                                    <\/ul>\n            <\/div>\n            <div class=\"col-md-6 p-a-0\">\n                <ul>\n                                            <li><span class=\"font-weight-bold\">Eligibility:<\/span> Must be a U.S. citizen or permanent resident and submit two personal references<\/li>\n                                            <li><span class=\"font-weight-bold\">Customer service:<\/span> Email, phone<\/li>\n                                            <li><span class=\"font-weight-bold\">Soft credit check:<\/span> Yes<\/li>\n                                            <li><span class=\"font-weight-bold\">Cosigner release:<\/span> After 24 months<\/li>\n                                            <li><span class=\"font-weight-bold\">Loan servicer:<\/span> Firstmark Services<\/li>\n                                            <li><span class=\"font-weight-bold\">Max. Undergraduate Loan Balance:<\/span> $150,000 to $249,000<\/li>\n                                            <li><span class=\"font-weight-bold\">Max. Graduate Loan Balance:<\/span> $150,000 to $199,000<\/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<p><b>Pros<\/b><\/p>\n<ul>\n<li>0.25% autopay discount<\/li>\n<li>Degree not required<\/li>\n<li>No application, origination, or disbursement fees<\/li>\n<\/ul>\n<p><b>Cons<\/b><\/p>\n<ul>\n<li>Could be hard to qualify if you don\u2019t have good credit<\/li>\n<li>$30,000 to $50,000 minimum income requirement (depending on loan amount)<\/li>\n<\/ul>\n<h3>ELFI<\/h3>\n<p><b>Best for:<\/b> Borrowers with high loan balances<\/p>\n<p><a href=\"https:\/\/www.credible.com\/lenders\/elfi\/\">Education Loan Finance (ELFI)<\/a> doesn\u2019t have a maximum loan amount \u2014 you just need at least $10,000 in student loans to refinance. You can choose between repayment terms from five to 20 years \u2014 though keep in mind that 15- and 20-year terms aren\u2019t available for parent borrowers.<\/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>ELFI-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\">4.4<\/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\/elfi\/\">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=\"An empty star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-empty.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>Education Loan Finance 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\">  <span>\n    4.29%+<sup>3<\/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 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\">  <span>\n    4.74%+<sup>3<\/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\">$10,000 to $250,000<\/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_15761\" aria-expanded=\"false\" aria-controls=\"collapseExample\">\n            <span>View Details<\/span>\n        <\/a>\n    <\/div>\n    <div class=\"collapse collapse__section\" id=\"lender_details_15761\">\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>   <span>\n    4.29%+<sup>3<\/sup>\n  <\/span>\n<\/li>\n                                            <li><span class=\"font-weight-bold\">Variable APR:<\/span>   <span>\n    4.74%+<sup>3<\/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> $10,000 to $250,000<\/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> Forbearance<\/li>\n                                            <li><span class=\"font-weight-bold\">Fees:<\/span> None<\/li>\n                                            <li><span class=\"font-weight-bold\">Discounts:<\/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\">Eligibility:<\/span> Must be a U.S. citizen or permanent resident, have at least $15,000 in student loan debt, and have a bachelor\u2019s degree or higher from an approved school<\/li>\n                                            <li><span class=\"font-weight-bold\">Customer service:<\/span> Email, phone<\/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\">Loan servicer:<\/span> Mohela<\/li>\n                                            <li><span class=\"font-weight-bold\">Max. Undergraduate Loan Balance:<\/span> $250,000<\/li>\n                                            <li><span class=\"font-weight-bold\">Max. Graduate Loan Balance:<\/span> $250,000<\/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<p><b>Pros<\/b><\/p>\n<ul>\n<li>No maximum loan amount<\/li>\n<li>Variable rates capped at 9.95% APR<\/li>\n<li>Up to 12 months of forbearance available to borrowers facing financial hardship<\/li>\n<\/ul>\n<p><b>Cons<\/b><\/p>\n<ul>\n<li>Must have at least $10,000 to refinance<\/li>\n<li>$35,000 minimum income requirement<\/li>\n<\/ul>\n<p><b><i>Check Out: <\/i><\/b><a href=\"https:\/\/www.credible.com\/blog\/refinance-student-loans\/pay-off-30k\/\"><b><i>How to Pay Off $30,000 in Student Loans<\/i><\/b><\/a><\/p>\n<h3>INvestEd<\/h3>\n<p><b>Best for:<\/b> Borrowers who might need access to forbearance<\/p>\n<p>With <a href=\"https:\/\/www.credible.com\/lenders\/invested\/#invested-refinancing\">INvestEd<\/a>, you can refinance $5,000 to $250,000 with terms from five to 20 years. Additionally, borrowers can access up to 24 months of forbearance over the life of the loan, which could be helpful if you experience financial hardship or unexpected circumstances.<\/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>INvestEd &#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\">3.1<\/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\/invested\/#invested-refinancing\">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=\"An empty star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-empty.svg\">\n                            <img decoding=\"async\" class=\"star-light\" alt=\"An empty star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-empty.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 half star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-half.svg\">\n                        <img decoding=\"async\" class=\"dark-star\" alt=\"An empty star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-empty.svg\">\n                            <img decoding=\"async\" class=\"dark-star\" alt=\"An empty star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-empty.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>INvestEd 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\">  <span>\n    5.31%+<sup>4<\/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 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\">  <span>\n    6.83%+<sup>4<\/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\">670<\/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 $250,000<\/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_46654\" aria-expanded=\"false\" aria-controls=\"collapseExample\">\n            <span>View Details<\/span>\n        <\/a>\n    <\/div>\n    <div class=\"collapse collapse__section\" id=\"lender_details_46654\">\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>   <span>\n    5.31%+<sup>4<\/sup>\n  <\/span>\n<\/li>\n                                            <li><span class=\"font-weight-bold\">Variable APR:<\/span>   <span>\n    6.83%+<sup>4<\/sup>\n  <\/span>\n<\/li>\n                                            <li><span class=\"font-weight-bold\">Min. credit score:<\/span> 670<\/li>\n                                            <li><span class=\"font-weight-bold\">Loan amount:<\/span> $5,000 to $250,000<\/li>\n                                            <li><span class=\"font-weight-bold\">Loan terms (years):<\/span> 5, 10, 15, 20<\/li>\n                                            <li><span class=\"font-weight-bold\">Repayment options:<\/span> Academic deferment, military deferment, forbearance<\/li>\n                                            <li><span class=\"font-weight-bold\">Fees:<\/span> Late fee, returned payment 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> Must be U.S. citizen or permanent resident<\/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> Yes<\/li>\n                                            <li><span class=\"font-weight-bold\">Max undergraduate loan balance:<\/span> $250,000<\/li>\n                                            <li><span class=\"font-weight-bold\">Max graduate loan balance:<\/span> $250,000<\/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<p><b>Pros<\/b><\/p>\n<ul>\n<li>0.25% autopay discount<\/li>\n<li>Up to 24 months of forbearance available over the life of the loan<\/li>\n<li>Degree not required<\/li>\n<\/ul>\n<p><b>Cons<\/b><\/p>\n<ul>\n<li>Charges late and returned payment fees<\/li>\n<li>$36,000 minimum income requirement<\/li>\n<\/ul>\n<h3>MEFA<\/h3>\n<p><b>Best for:<\/b> Borrowers who attended a public or nonprofit university<\/p>\n<p>With the <a href=\"https:\/\/www.credible.com\/lenders\/mefa\/\">Massachusetts Educational Financing Authority (MEFA)<\/a>, you can refinance $10,000 up to the total amount of your qualified education debt. Repayment terms range from seven to 15 years.<\/p>\n<p>Keep in mind that you must have attended a public or nonprofit university to refinance with MEFA \u2014 for-profit schools aren\u2019t eligible.<\/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>MEFA &#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\">4.0<\/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\/mefa\/\">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=\"An empty star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-empty.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 half star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-half.svg\">\n                        <img decoding=\"async\" class=\"dark-star\" alt=\"An empty star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-empty.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=\"An empty star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-empty.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>MEFA 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\">  <span>\n    6.2%+<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 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\">N\/A<\/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\">670<\/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\">$10,000 up to the total amount<\/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_7046\" aria-expanded=\"false\" aria-controls=\"collapseExample\">\n            <span>View Details<\/span>\n        <\/a>\n    <\/div>\n    <div class=\"collapse collapse__section\" id=\"lender_details_7046\">\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>   <span>\n    6.2%+<sup><\/sup>\n  <\/span>\n<\/li>\n                                            <li><span class=\"font-weight-bold\">Variable APR:<\/span> N\/A<\/li>\n                                            <li><span class=\"font-weight-bold\">Min. credit score:<\/span> 670<\/li>\n                                            <li><span class=\"font-weight-bold\">Loan amount:<\/span> $10,000 up to the total amount<\/li>\n                                            <li><span class=\"font-weight-bold\">Loan terms (years):<\/span> 7, 10, 15<\/li>\n                                            <li><span class=\"font-weight-bold\">Repayment options:<\/span> Military deferment, loans discharged upon death or disability<\/li>\n                                            <li><span class=\"font-weight-bold\">Fees:<\/span> None<\/li>\n                                            <li><span class=\"font-weight-bold\">Discounts:<\/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\">Eligibility:<\/span> Must be a U.S. citizen or permanent resident and have at least $10,000 in student loans<\/li>\n                                            <li><span class=\"font-weight-bold\">Customer service:<\/span> Email, phone<\/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\">Loan servicer:<\/span> AES<\/li>\n                                            <li><span class=\"font-weight-bold\">Max. Undergraduate Loan Balance:<\/span> No maximum<\/li>\n                                            <li><span class=\"font-weight-bold\">Max. Gradaute 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<p><b>Pros<\/b><\/p>\n<ul>\n<li>Might be able to refinance up to the total amount of your qualified education debt<\/li>\n<li>Degree not required<\/li>\n<li>No fees<\/li>\n<\/ul>\n<p><b>Cons<\/b><\/p>\n<ul>\n<li>Not available for borrowers who attended for-profit universities<\/li>\n<li>No discounts offered<\/li>\n<li>Limited repayment terms (7, 10, or 15 years)<\/li>\n<\/ul>\n<h3>RISLA<\/h3>\n<p><b>Best for:<\/b> Borrowers looking for income-based repayment options<\/p>\n<p>Most private student loans don\u2019t offer the repayment options that federal student loans do. However, the <a href=\"https:\/\/www.credible.com\/lenders\/risla\/\">Rhode Island Student Loan Authority (RISLA)<\/a> offers an income-based repayment (IBR) plan to borrowers facing financial hardship. If you qualify, your payments will be capped at a percentage of your discretionary income, based on your family size and location.<\/p>\n<p>With RISLA, you can refinance loan amounts from $7,500 to $250,000 (depending on the highest degree you\u2019ve earned) with terms from five to 15 years.<\/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>RISLA &#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\">3.7<\/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\/risla\/\">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 half star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-half.svg\">\n                        <img decoding=\"async\" class=\"star-light\" alt=\"An empty star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-empty.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 three-quarter star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-three-quarter.svg\">\n                        <img decoding=\"async\" class=\"dark-star\" alt=\"An empty star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-empty.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=\"An empty star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-empty.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>RISLA 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\">  <span>\n    3.99%+<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 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\">N\/A<\/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\">$7,500 to $250,000<\/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_5606\" aria-expanded=\"false\" aria-controls=\"collapseExample\">\n            <span>View Details<\/span>\n        <\/a>\n    <\/div>\n    <div class=\"collapse collapse__section\" id=\"lender_details_5606\">\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>   <span>\n    3.99%+<sup><\/sup>\n  <\/span>\n<\/li>\n                                            <li><span class=\"font-weight-bold\">Variable APR:<\/span> N\/A<\/li>\n                                            <li><span class=\"font-weight-bold\">Min. credit score:<\/span> 680<\/li>\n                                            <li><span class=\"font-weight-bold\">Loan amount:<\/span> $7,500 to $250,000<\/li>\n                                            <li><span class=\"font-weight-bold\">Loan terms (years):<\/span> 5, 10, 15<\/li>\n                                            <li><span class=\"font-weight-bold\">Repayment options:<\/span> Academic deferment, military deferment, forbearance, loans discharged upon death or disability<\/li>\n                                            <li><span class=\"font-weight-bold\">Fees:<\/span> None<\/li>\n                                            <li><span class=\"font-weight-bold\">Discounts:<\/span> Autopay<\/li>\n                                    <\/ul>\n            <\/div>\n            <div class=\"col-md-6 p-a-0\">\n                <ul>\n                                            <li><span class=\"font-weight-bold\">Eligibility:<\/span> Available in all 50 states; must also have at least $7,500 in student loans and a minimum income of $40,000<\/li>\n                                            <li><span class=\"font-weight-bold\">Customer service:<\/span> Email, phone<\/li>\n                                            <li><span class=\"font-weight-bold\">Soft credit check:<\/span> Does not disclose<\/li>\n                                            <li><span class=\"font-weight-bold\">Cosigner release:<\/span> No<\/li>\n                                            <li><span class=\"font-weight-bold\">Loan servicer:<\/span> Rhode Island Student Loan Authority<\/li>\n                                            <li><span class=\"font-weight-bold\">Max. Undergraduate Loan Balance:<\/span> $150,000 - $249,000<\/li>\n                                            <li><span class=\"font-weight-bold\">Max. Graduate Loan Balance:<\/span> $200,000 - $249,000<\/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<p><b>Pros<\/b><\/p>\n<ul>\n<li>Offers an income-based repayment plan to borrowers facing financial hardship<\/li>\n<li>Can defer payments for up to 36 months if you return to graduate school<\/li>\n<li>Degree not required<\/li>\n<\/ul>\n<p><b>Cons<\/b><\/p>\n<ul>\n<li>Variable rates not offered<\/li>\n<li>$40,000 minimum income requirement<\/li>\n<\/ul>\n<p><b><i>Check Out: <\/i><\/b><a href=\"https:\/\/www.credible.com\/blog\/refinance-student-loans\/student-loan-help\/\"><b><i>How to Get Student Loan Repayment Help<\/i><\/b><\/a><br \/>\n<div class=\"basic-box\" style=\"border: 1px solid #E2E4E6;background: #F7F9F9;\"><div class=\"basic-box__inside\">\n<h3>Methodology<\/h3>\n<p>To find the \u201cbest companies,\u201d Credible looked at loan and lender data points from 12 categories to give you a well-rounded perspective on each of our partner refinancing lenders.<\/p>\n<p>Here\u2019s what we considered:<\/p>\n<ul>\n<li>Interest rates<\/li>\n<li>Repayment terms<\/li>\n<li>Repayment options<\/li>\n<li>Fees<\/li>\n<li>Discounts<\/li>\n<li>Customer service availability<\/li>\n<li>Maximum loan balances<\/li>\n<li>Willingness to refinance parent loans<\/li>\n<li>Eligibility criteria<\/li>\n<li>Cosigner release options<\/li>\n<li>Whether the minimum credit score is available publicly<\/li>\n<li>Whether consumers could request rates with a soft credit check<\/li>\n<\/ul>\n<p>Our hope is that this will be a win-win situation for you and us \u2014 we only want to get paid if you find a loan that works for you, not by selling your data. This means Credible will only get paid by the lender if you finish the refinancing process and a loan is disbursed. Additionally, Credible charges you no fees of any kind to compare your refinancing options.<\/div><\/div>\n<a name=\"other-student-refinancing-lenders-consider\"><\/a><\/p>\n<h2>Other student loan refinancing lenders to consider<\/h2>\n<p>Here are more student loan refinancing companies we evaluated. Keep in mind that these lenders are not offered through Credible, so you won\u2019t be able to easily compare your rates with them on the Credible platform like you can our partner lenders.<\/p>\n\n<table id=\"tablepress-257\" class=\"tablepress tablepress-id-257 table table-border-top table-rounded table-no-img-margin table-capitalized-column-titles tbody-has-connected-cells\">\n<thead>\n<tr class=\"row-1\">\n\t<th class=\"column-1\"><center><strong>Lender<\/strong><\/th><th class=\"column-2\"><center><strong>Loan terms (years)<\/strong><\/th><th class=\"column-3\"><center><strong>Max loan balance<\/strong><\/th>\n<\/tr>\n<\/thead>\n<tbody class=\"row-striping row-hover\">\n<tr class=\"row-2\">\n\t<td class=\"column-1\"><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\" 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\" role=\"img\" aria-label=\"4 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 class=\"details-link\">\n                <a href=\"#\" class=\"collapsed\" data-target=\"#commonbond-slr\" data-toggle=\"collapse\" role=\"button\">View details<\/a>\n            <\/div>\n        <\/div>\n        <\/td><td class=\"column-2\"><center>5, 7, 10, 15, 20<\/td><td class=\"column-3\"><strong>Undergrad:<\/strong> $500,000<br \/>\n<strong>Grad:<\/strong> $500,000<\/td>\n<\/tr>\n<tr class=\"row-3\">\n\t<td colspan=\"3\" class=\"column-1\">            <div id=\"commonbond-slr\" class=\"collapse tablepress-lender-details__container\">\n                <ul>\n                                                <li><span class=\"font-weight-bold\">Fixed rate:<\/span>\n                                  <span>\n    5.44%+<sup><\/sup>\n  <\/span>\n<\/li>\n                                                <li><span class=\"font-weight-bold\">Variable rate:<\/span>\n                                  <span>\n    5.39%+<sup><\/sup>\n  <\/span>\n<\/li>\n                                                <li><span class=\"font-weight-bold\">Min. credit score:<\/span>\n                                680<\/li>\n                                                <li><span class=\"font-weight-bold\">Loan amount:<\/span>\n                                $5,000 to $500,000<\/li>\n                                                <li><span class=\"font-weight-bold\">Cosigner release:<\/span>\n                                Yes<\/li>\n                                                <li><span class=\"font-weight-bold\">Loan terms (years):<\/span>\n                                5, 7, 10, 15, 20<\/li>\n                                                <li><span class=\"font-weight-bold\">Repayment options:<\/span>\n                                Academic deferment, forbearance, loans discharged upon death or disability<\/li>\n                                                <li><span class=\"font-weight-bold\">Fees:<\/span>\n                                Late fee<\/li>\n                                                <li><span class=\"font-weight-bold\">Discounts:<\/span>\n                                Autopay<\/li>\n                                                <li><span class=\"font-weight-bold\">Eligibility:<\/span>\n                                Available in all states, except MS and NV<\/li>\n                                                <li><span class=\"font-weight-bold\">Customer service:<\/span>\n                                Email, phone, chat<\/li>\n                                                <li><span class=\"font-weight-bold\">Soft credit check:<\/span>\n                                Yes<\/li>\n                                                <li><span class=\"font-weight-bold\">Loan servicer:<\/span>\n                                FirstMark<\/li>\n                                                <li><span class=\"font-weight-bold\">Max. undergraduate loan balance:<\/span>\n                                $500,000<\/li>\n                                                <li><span class=\"font-weight-bold\">Max. graduate loan balance:<\/span>\n                                $500,000<\/li>\n                                                <li><span class=\"font-weight-bold\">Offers Parent PLUS refinancing:<\/span>\n                                Yes<\/li>\n                                                <li><span class=\"font-weight-bold\">Min. income:<\/span>\n                                $65,000 <small>(for 15- and 20-year products)<\/small><\/li>\n                                    <\/ul>\n                            <\/div>\n        <\/td>\n<\/tr>\n<tr class=\"row-4\">\n\t<td class=\"column-1\"><center><br \/>\n            <div class=\"tablepress-lender__logo__container\">\n                <img decoding=\"async\" width=\"175\" height=\"63\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2018\/11\/Discover-Student-Loans.png\" class=\"tablepress-lender__logo wp-post-image\" alt=\"Discover Student Loans\" srcset=\"https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2018\/11\/Discover-Student-Loans.png 175w, https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2018\/11\/Discover-Student-Loans-150x54.png 150w\" sizes=\"(max-width: 175px) 100vw, 175px\" \/>            <\/div>\n        <br \/>\n        <div class=\"tablepress-rating-shortcode\">\n            <div class=\"heading__container\">\n                <span class=\"heading\">\n                                            Credible Rating\n                                    <\/span>\n                                    <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-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\" role=\"img\" aria-label=\"4 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 one-quarter star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-quarter.svg\">\n                        <\/div>\n            <div class=\"details-link\">\n                <a href=\"#\" class=\"collapsed\" data-target=\"#discover-slr\" data-toggle=\"collapse\" role=\"button\">View details<\/a>\n            <\/div>\n        <\/div>\n        <\/td><td class=\"column-2\"><center>10, 20<\/td><td class=\"column-3\"><strong>Undergrad:<\/strong> $249,000<br \/>\n<strong>Grad:<\/strong> $199,000<\/td>\n<\/tr>\n<tr class=\"row-5\">\n\t<td colspan=\"3\" class=\"column-1\">            <div id=\"discover-slr\" class=\"collapse tablepress-lender-details__container\">\n                <ul>\n                                                <li><span class=\"font-weight-bold\">Min. credit score:<\/span>\n                                Does not disclose<\/li>\n                                                <li><span class=\"font-weight-bold\">Loan amount:<\/span>\n                                Up to $250,000<\/li>\n                                                <li><span class=\"font-weight-bold\">Loan terms (years):<\/span>\n                                10, 20<\/li>\n                                                <li><span class=\"font-weight-bold\">Repayment options:<\/span>\n                                Academic deferment, military deferment, forbearance, loans discharged upon death or disability<\/li>\n                                                <li><span class=\"font-weight-bold\">Fees:<\/span>\n                                None<\/li>\n                                                <li><span class=\"font-weight-bold\">Discounts:<\/span>\n                                Autopay<\/li>\n                                                <li><span class=\"font-weight-bold\">Eligibility:<\/span>\n                                Available in all 50 states<\/li>\n                                                <li><span class=\"font-weight-bold\">Customer service:<\/span>\n                                Email, phone<\/li>\n                                                <li><span class=\"font-weight-bold\">Soft credit check:<\/span>\n                                Does not disclose<\/li>\n                                                <li><span class=\"font-weight-bold\">Cosigner release:<\/span>\n                                No<\/li>\n                                                <li><span class=\"font-weight-bold\">Max. undergraduate Loan Balance:<\/span>\n                                $150,000 to $249,000<\/li>\n                                                <li><span class=\"font-weight-bold\">Max. graduate Loan Balance:<\/span>\n                                $150,000 to $199,000<\/li>\n                                                <li><span class=\"font-weight-bold\">Offers Parent PLUS Refinancing:<\/span>\n                                No<\/li>\n                                    <\/ul>\n                            <\/div>\n        <\/td>\n<\/tr>\n<tr class=\"row-6\">\n\t<td class=\"column-1\"><center><br \/>\n            <div class=\"tablepress-lender__logo__container\">\n                <img loading=\"lazy\" decoding=\"async\" width=\"768\" height=\"228\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2020\/03\/first-republic-logo-resized-768x228.png\" class=\"tablepress-lender__logo wp-post-image\" alt=\"\" srcset=\"https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2020\/03\/first-republic-logo-resized-768x228.png 768w, https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2020\/03\/first-republic-logo-resized-600x178.png 600w, https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2020\/03\/first-republic-logo-resized-300x89.png 300w, https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2020\/03\/first-republic-logo-resized-150x45.png 150w, https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2020\/03\/first-republic-logo-resized.png 1104w\" 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\/first-republic\/\">Credible Rating<\/a>\n                                    <\/span>\n                                    <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-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\" role=\"img\" aria-label=\"3 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 half star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-half.svg\">\n                        <img decoding=\"async\" class=\"star-light\" alt=\"An empty star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-empty.svg\">\n                        <\/div>\n            <div class=\"details-link\">\n                <a href=\"#\" class=\"collapsed\" data-target=\"#first-republic-bank-slr\" data-toggle=\"collapse\" role=\"button\">View details<\/a>\n            <\/div>\n        <\/div>\n        <\/td><td class=\"column-2\"><center>5, 7, 10, 15<\/td><td class=\"column-3\"><strong>Undergrad:<\/strong> $500,000<br \/>\n<strong>Grad:<\/strong> $500,000<\/td>\n<\/tr>\n<tr class=\"row-7\">\n\t<td colspan=\"3\" class=\"column-1\">            <div id=\"first-republic-bank-slr\" class=\"collapse tablepress-lender-details__container\">\n                <ul>\n                                                <li><span class=\"font-weight-bold\">Rates:<\/span>\n                                fixed, variable<\/li>\n                                                <li><span class=\"font-weight-bold\">Min. credit score:<\/span>\n                                Does not disclose <\/li>\n                                                <li><span class=\"font-weight-bold\">Loan amount:<\/span>\n                                $60,000 to $350,000<\/li>\n                                                <li><span class=\"font-weight-bold\">Cosigner release:<\/span>\n                                No<\/li>\n                                                <li><span class=\"font-weight-bold\">Loan terms (years):<\/span>\n                                5, 7, 10, 15, 20<\/li>\n                                                <li><span class=\"font-weight-bold\">Fees:<\/span>\n                                None<\/li>\n                                                <li><span class=\"font-weight-bold\">Discounts:<\/span>\n                                Autopay, loyalty<\/li>\n                                                <li><span class=\"font-weight-bold\">Eligibility:<\/span>\n                                Available in CA, CT, FL, MA, NY, OR, WY<\/li>\n                                                <li><span class=\"font-weight-bold\">Customer service:<\/span>\n                                Email, phone<\/li>\n                                                <li><span class=\"font-weight-bold\">Soft credit check:<\/span>\n                                Yes<\/li>\n                                                <li><span class=\"font-weight-bold\">Max. undergraduate loan balance:<\/span>\n                                $500,000<\/li>\n                                                <li><span class=\"font-weight-bold\">Max. graduate loan balance:<\/span>\n                                $500,000<\/li>\n                                    <\/ul>\n                            <\/div>\n        <\/td>\n<\/tr>\n<tr class=\"row-8\">\n\t<td class=\"column-1\"><center><br \/>\n            <div class=\"tablepress-lender__logo__container\">\n                <img loading=\"lazy\" decoding=\"async\" width=\"550\" height=\"138\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2017\/03\/iHELP_Logo_.png\" class=\"tablepress-lender__logo wp-post-image\" alt=\"ihelp student loan review\" srcset=\"https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2017\/03\/iHELP_Logo_.png 550w, https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2017\/03\/iHELP_Logo_-300x75.png 300w\" sizes=\"(max-width: 550px) 100vw, 550px\" \/>            <\/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\/ihelp\/\">Credible Rating<\/a>\n                                    <\/span>\n                                    <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-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\" role=\"img\" aria-label=\"3 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 half star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-half.svg\">\n                        <img decoding=\"async\" class=\"star-light\" alt=\"An empty star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-empty.svg\">\n                        <\/div>\n            <div class=\"details-link\">\n                <a href=\"#\" class=\"collapsed\" data-target=\"#ihelp\" data-toggle=\"collapse\" role=\"button\">View details<\/a>\n            <\/div>\n        <\/div>\n        <\/td><td class=\"column-2\"><center>10, 15, 20<\/td><td class=\"column-3\"><strong>Undergrad:<\/strong> $249,000<br \/>\n<strong>Grad:<\/strong> $249,000<\/td>\n<\/tr>\n<tr class=\"row-9\">\n\t<td colspan=\"3\" class=\"column-1\">            <div id=\"ihelp\" class=\"collapse tablepress-lender-details__container\">\n                <ul>\n                                                <li><span class=\"font-weight-bold\">Rates:<\/span>\n                                Fixed, variable<\/li>\n                                                <li><span class=\"font-weight-bold\">Min. credit score:<\/span>\n                                Does not disclose<\/li>\n                                                <li><span class=\"font-weight-bold\">Loan amount:<\/span>\n                                $10,000 to $250,000<\/li>\n                                                <li><span class=\"font-weight-bold\">Cosigner release:<\/span>\n                                After 24 to 36 months<\/li>\n                                                <li><span class=\"font-weight-bold\">Loan terms (years):<\/span>\n                                10, 15, 20<\/li>\n                                                <li><span class=\"font-weight-bold\">Repayment options:<\/span>\n                                Military deferment, forbearance<\/li>\n                                                <li><span class=\"font-weight-bold\">Fees:<\/span>\n                                Late fee<\/li>\n                                                <li><span class=\"font-weight-bold\">Discounts:<\/span>\n                                Autopay<\/li>\n                                                <li><span class=\"font-weight-bold\">Eligibility:<\/span>\n                                Available in all 50 states<\/li>\n                                                <li><span class=\"font-weight-bold\">Customer service:<\/span>\n                                Email, phone, chat<\/li>\n                                                <li><span class=\"font-weight-bold\">Soft credit check:<\/span>\n                                Yes<\/li>\n                                                <li><span class=\"font-weight-bold\">Loan servicer:<\/span>\n                                Student Loan Finance Corporation<\/li>\n                                                <li><span class=\"font-weight-bold\">Max. undergraduate Loan Balance:<\/span>\n                                $150,000 to $249,000<\/li>\n                                                <li><span class=\"font-weight-bold\">Max. graduate Loan Balance:<\/span>\n                                $200,000 to $249,000<\/li>\n                                                <li><span class=\"font-weight-bold\">Offers Parent PLUS Refinancing:<\/span>\n                                Yes<\/li>\n                                    <\/ul>\n                            <\/div>\n        <\/td>\n<\/tr>\n<tr class=\"row-10\">\n\t<td class=\"column-1\"><center><br \/>\n            <div class=\"tablepress-lender__logo__container\">\n                <img loading=\"lazy\" decoding=\"async\" width=\"768\" height=\"252\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2020\/03\/Laurel-Road-768x252.png\" class=\"tablepress-lender__logo wp-post-image\" alt=\"\" srcset=\"https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2020\/03\/Laurel-Road-768x252.png 768w, https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2020\/03\/Laurel-Road-600x197.png 600w, https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2020\/03\/Laurel-Road-300x98.png 300w, https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2020\/03\/Laurel-Road-150x49.png 150w, https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2020\/03\/Laurel-Road.png 772w\" 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\/laurel-road\/\">Credible Rating<\/a>\n                                    <\/span>\n                                    <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-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\" role=\"img\" aria-label=\"4 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 class=\"details-link\">\n                <a href=\"#\" class=\"collapsed\" data-target=\"#laurel-road-slr\" data-toggle=\"collapse\" role=\"button\">View details<\/a>\n            <\/div>\n        <\/div>\n        <\/td><td class=\"column-2\"><center>5, 7, 10, 15<\/td><td class=\"column-3\"><strong>Undergrad:<\/strong> None<br \/>\n<strong>Grad:<\/strong> None<\/td>\n<\/tr>\n<tr class=\"row-11\">\n\t<td colspan=\"3\" class=\"column-1\">            <div id=\"laurel-road-slr\" class=\"collapse tablepress-lender-details__container\">\n                <ul>\n                                                <li><span class=\"font-weight-bold\">Min. credit score:<\/span>\n                                Does not disclose<\/li>\n                                                <li><span class=\"font-weight-bold\">Loan amount:<\/span>\n                                $5,000 to $300,000<\/li>\n                                                <li><span class=\"font-weight-bold\">Cosigner release:<\/span>\n                                Does not disclose<\/li>\n                                                <li><span class=\"font-weight-bold\">Loan terms (years):<\/span>\n                                5, 7, 10, 15<\/li>\n                                                <li><span class=\"font-weight-bold\">Repayment options:<\/span>\n                                Immediate repayment, forbearance, loans discharged upon death or disability<\/li>\n                                                <li><span class=\"font-weight-bold\">Fees:<\/span>\n                                Late fee<\/li>\n                                                <li><span class=\"font-weight-bold\">Discounts:<\/span>\n                                Autopay<\/li>\n                                                <li><span class=\"font-weight-bold\">Eligibility:<\/span>\n                                Available in all 50 states<\/li>\n                                                <li><span class=\"font-weight-bold\">Customer service:<\/span>\n                                Email, phone<\/li>\n                                                <li><span class=\"font-weight-bold\">Soft credit check:<\/span>\n                                Yes<\/li>\n                                                <li><span class=\"font-weight-bold\">Max. undergraduate Loan Balance:<\/span>\n                                No maximum<\/li>\n                                                <li><span class=\"font-weight-bold\">Max. graduate Loan Balance:<\/span>\n                                No maximum<\/li>\n                                                <li><span class=\"font-weight-bold\">Offers Parent PLUS Refinancing:<\/span>\n                                Yes<\/li>\n                                    <\/ul>\n                            <\/div>\n        <\/td>\n<\/tr>\n<tr class=\"row-12\">\n\t<td class=\"column-1\"><center><br \/>\n            <div class=\"tablepress-lender__logo__container\">\n                <img loading=\"lazy\" decoding=\"async\" width=\"768\" height=\"267\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2019\/10\/pnc_bank-768x267.png\" class=\"tablepress-lender__logo wp-post-image\" alt=\"\" srcset=\"https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2019\/10\/pnc_bank-768x267.png 768w, https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2019\/10\/pnc_bank-600x208.png 600w, https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2019\/10\/pnc_bank-1200x417.png 1200w, https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2019\/10\/pnc_bank-300x104.png 300w, https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2019\/10\/pnc_bank-150x52.png 150w, https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2019\/10\/pnc_bank.png 1521w\" 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                                            Credible Rating\n                                    <\/span>\n                                    <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-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\" role=\"img\" aria-label=\"3 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 one-quarter star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-quarter.svg\">\n                            <img decoding=\"async\" class=\"star-light\" alt=\"An empty star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-empty.svg\">\n                        <\/div>\n            <div class=\"details-link\">\n                <a href=\"#\" class=\"collapsed\" data-target=\"#pnc-bank-slr\" data-toggle=\"collapse\" role=\"button\">View details<\/a>\n            <\/div>\n        <\/div>\n        <\/td><td class=\"column-2\"><center>5, 10, 15<\/td><td class=\"column-3\"><strong>Undergrad:<\/strong> $99,000<br \/>\n<strong>Grad:<\/strong> $150,000<\/td>\n<\/tr>\n<tr class=\"row-13\">\n\t<td colspan=\"3\" class=\"column-1\">            <div id=\"pnc-bank-slr\" class=\"collapse tablepress-lender-details__container\">\n                <ul>\n                                                <li><span class=\"font-weight-bold\">Min. credit score:<\/span>\n                                Does not disclose<\/li>\n                                                <li><span class=\"font-weight-bold\">Loan amount:<\/span>\n                                Less than $150,000<\/li>\n                                                <li><span class=\"font-weight-bold\">Loan terms (years):<\/span>\n                                5, 10, 15<\/li>\n                                                <li><span class=\"font-weight-bold\">Repayment options:<\/span>\n                                Academic deferment, military deferment, forbearance, loans discharged upon death or disability<\/li>\n                                                <li><span class=\"font-weight-bold\">Fees:<\/span>\n                                Does not disclose<\/li>\n                                                <li><span class=\"font-weight-bold\">Discounts:<\/span>\n                                Autopay<\/li>\n                                                <li><span class=\"font-weight-bold\">Eligibility:<\/span>\n                                Available in all 50 states<\/li>\n                                                <li><span class=\"font-weight-bold\">Customer service:<\/span>\n                                Email, phone<\/li>\n                                                <li><span class=\"font-weight-bold\">Soft credit check:<\/span>\n                                Does not disclose<\/li>\n                                                <li><span class=\"font-weight-bold\">Cosigner release:<\/span>\n                                Yes<\/li>\n                                                <li><span class=\"font-weight-bold\">Max. Undergraduate Loan Balance:<\/span>\n                                Less than $99,000<\/li>\n                                                <li><span class=\"font-weight-bold\">Max. graduate Loan Balance:<\/span>\n                                Less than $150,000<\/li>\n                                                <li><span class=\"font-weight-bold\">Offers Parent PLUS Refinancing:<\/span>\n                                Yes<\/li>\n                                    <\/ul>\n                            <\/div>\n        <\/td>\n<\/tr>\n<tr class=\"row-14\">\n\t<td class=\"column-1\"><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\" 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\" role=\"img\" aria-label=\"4 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 class=\"details-link\">\n                <a href=\"#\" class=\"collapsed\" data-target=\"#sofi-slr\" data-toggle=\"collapse\" role=\"button\">View details<\/a>\n            <\/div>\n        <\/div>\n        <\/td><td class=\"column-2\"><center>5, 7, 10, 15, 20<\/td><td class=\"column-3\"><strong>Undergrad: <\/strong> No maximum<br \/>\n<strong>Grad: <\/strong> No Maximum<\/td>\n<\/tr>\n<tr class=\"row-15\">\n\t<td colspan=\"3\" class=\"column-1\">            <div id=\"sofi-slr\" class=\"collapse tablepress-lender-details__container\">\n                <ul>\n                                                <li><span class=\"font-weight-bold\">Fixed APR:<\/span>\n                                Check with lender<\/li>\n                                                <li><span class=\"font-weight-bold\">Variable APR:<\/span>\n                                Check with lender<\/li>\n                                                <li><span class=\"font-weight-bold\">Min. credit score:<\/span>\n                                Does not disclose<\/li>\n                                                <li><span class=\"font-weight-bold\">Loan amount:<\/span>\n                                $5,000 up to the full balance<\/li>\n                                                <li><span class=\"font-weight-bold\">Loan terms (years):<\/span>\n                                5, 7, 10, 15, 20<\/li>\n                                                <li><span class=\"font-weight-bold\">Repayment options:<\/span>\n                                Academic deferment, military deferment<\/li>\n                                                <li><span class=\"font-weight-bold\">Fees:<\/span>\n                                None<\/li>\n                                                <li><span class=\"font-weight-bold\">Discounts:<\/span>\n                                Autopay, loyalty<\/li>\n                                                <li><span class=\"font-weight-bold\">Eligibility:<\/span>\n                                Available in all 50 states<\/li>\n                                                <li><span class=\"font-weight-bold\">Customer service:<\/span>\n                                Email, phone, chat<\/li>\n                                                <li><span class=\"font-weight-bold\">Soft credit check:<\/span>\n                                Yes<\/li>\n                                                <li><span class=\"font-weight-bold\">Cosigner release:<\/span>\n                                No<\/li>\n                                                <li><span class=\"font-weight-bold\">Max undergraduate loan balance:<\/span>\n                                No maximum<\/li>\n                                                <li><span class=\"font-weight-bold\">Max graduate loan balance:<\/span>\n                                No maximum<\/li>\n                                                <li><span class=\"font-weight-bold\">Offers Parent PLUS refinancing:<\/span>\n                                Yes<\/li>\n                                    <\/ul>\n                            <\/div>\n        <\/td>\n<\/tr>\n<tr class=\"row-16\">\n\t<td class=\"column-1\"><center><br \/>\n            <div class=\"tablepress-lender__logo__container\">\n                <img loading=\"lazy\" decoding=\"async\" width=\"768\" height=\"256\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2018\/06\/splash_financial_blue-768x256.png\" class=\"tablepress-lender__logo wp-post-image\" alt=\"\" srcset=\"https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2018\/06\/splash_financial_blue-768x256.png 768w, https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2018\/06\/splash_financial_blue-600x200.png 600w, https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2018\/06\/splash_financial_blue-300x100.png 300w, https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2018\/06\/splash_financial_blue-150x50.png 150w, https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2018\/06\/splash_financial_blue.png 900w\" 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                                            Credible Rating\n                                    <\/span>\n                                    <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-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\" role=\"img\" aria-label=\"4 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 class=\"details-link\">\n                <a href=\"#\" class=\"collapsed\" data-target=\"#splash-financial\" data-toggle=\"collapse\" role=\"button\">View details<\/a>\n            <\/div>\n        <\/div>\n        <\/td><td class=\"column-2\"><center>Does not disclose<\/td><td class=\"column-3\"><strong>Undergrad:<\/strong> None<br \/>\n<strong>Grad:<\/strong> None<\/td>\n<\/tr>\n<tr class=\"row-17\">\n\t<td colspan=\"3\" class=\"column-1\">            <div id=\"splash-financial\" class=\"collapse tablepress-lender-details__container\">\n                <ul>\n                                                <li><span class=\"font-weight-bold\">Min. credit score:<\/span>\n                                Does not disclose<\/li>\n                                                <li><span class=\"font-weight-bold\">Loan amount:<\/span>\n                                No maximum<\/li>\n                                                <li><span class=\"font-weight-bold\">Loan terms:<\/span>\n                                Does not disclose<\/li>\n                                                <li><span class=\"font-weight-bold\">Repayment options:<\/span>\n                                Academic deferment, forbearance<\/li>\n                                                <li><span class=\"font-weight-bold\">Fees:<\/span>\n                                Late fee<\/li>\n                                                <li><span class=\"font-weight-bold\">Discounts:<\/span>\n                                Autopay<\/li>\n                                                <li><span class=\"font-weight-bold\">Eligibility:<\/span>\n                                Available in all 50 states<\/li>\n                                                <li><span class=\"font-weight-bold\">Customer service:<\/span>\n                                Email, phone, chat<\/li>\n                                                <li><span class=\"font-weight-bold\">Soft credit check:<\/span>\n                                Yes<\/li>\n                                                <li><span class=\"font-weight-bold\">Cosigner release:<\/span>\n                                Yes<\/li>\n                                                <li><span class=\"font-weight-bold\">Max. undergraduate Loan Balance:<\/span>\n                                No maximum<\/li>\n                                                <li><span class=\"font-weight-bold\">Max. graduate Loan Balance:<\/span>\n                                No maximum<\/li>\n                                                <li><span class=\"font-weight-bold\">Offers Parent PLUS Refinancing:<\/span>\n                                Yes<\/li>\n                                    <\/ul>\n                            <\/div>\n        <\/td>\n<\/tr>\n<tr class=\"row-18\">\n\t<td colspan=\"3\" class=\"column-1\"><center><b>The lenders in this table aren't our partners. But you can use Credible to compare rates in 2 minutes from other lenders who offer student loan refinancing.<\/b><br><br \/>\n<a class=\"btn btn-warning\" href=\"https:\/\/www.credible.com\/refinance-student-loans\">Compare Now<\/a><\/center><br><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n\n<a name=\"how-refinance-loan-without-cosigner\"><\/a><\/p>\n<p><em><strong>See more:\u00a0<\/strong><\/em><em><strong><a href=\"https:\/\/www.credible.com\/blog\/refinance-student-loans\/best-refinance-loans-bad-credit\/\">7 Best Student Refinance Companies for Bad Credit<\/a><\/strong><\/em><\/p>\n<h2>How to refinance student loans without a cosigner<\/h2>\n<p>If you\u2019re ready to refinance your student loans without a cosigner, follow these four steps:<\/p>\n<ol>\n<li><b>Check your credit.<\/b> When you apply for refinancing, the lender will evaluate your finances to determine your creditworthiness \u2014 so it\u2019s a good idea to check your credit beforehand to see where you stand. You can use a site like <a href=\"https:\/\/www.annualcreditreport.com\/index.action\" rel=\"\u201cnofollow\u201d\">AnnualCreditReport.com<\/a> to review your credit reports for free. If you find any errors, dispute them with the appropriate credit bureaus to potentially boost your credit score.<\/li>\n<li><b>Compare lenders and pick a loan option.<\/b> Be sure to shop around and compare as many <a href=\"https:\/\/www.credible.com\/blog\/best-student-loan-refinance-companies\/\">student loan refinance companies<\/a> as you can 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. After you\u2019ve done your research, pick the loan option that works best for your needs.<\/li>\n<li><b>Complete the application. <\/b>Once you\u2019ve chosen 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 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 while the refinance is processed. Afterward, consider signing up for autopay so you won\u2019t miss any payments in the future \u2014 many lenders offer a rate discount to borrowers who opt for automatic payments.<\/li>\n<\/ol>\n<div class=\"basic-box\" style=\"border: 1px solid #E2E4E6;\"><div class=\"basic-box__inside\"><b>Keep in mind:<\/b> While you can refinance both federal and private loans, <a href=\"https:\/\/www.credible.com\/blog\/refinance-student-loans\/can-you-refinance-federal-student-loans\/\">refinancing federal student loans<\/a> will cost you access to federal benefits and protections \u2014 such as income-driven repayment plans and student loan forgiveness programs.<\/div><\/div>\n<p>Depending on your credit, you might qualify for a lower interest rate through refinancing. This means you could save money on interest and potentially pay off your loan faster. 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<p><b><i>Check Out: <\/i><\/b><a href=\"https:\/\/www.credible.com\/blog\/calculators\/student-loan-repayment-calculator\/\"><b><i>Student Loan Repayment Calculator: Estimate Your Payoff Date<\/i><\/b><\/a><br \/>\n<a name=\"pros-not-cosigner-refinancing\"><\/a><\/p>\n<h2>Pros of not using a cosigner when refinancing<\/h2>\n<p>Refinancing without a cosigner could be the right option for some borrowers, but it isn\u2019t right for everyone. Here are a few potential benefits to keep in mind:<\/p>\n<ul>\n<li><b>No need to find one:<\/b> In some cases, borrowers might not know anyone with good enough credit to act as a cosigner. If you refinance without a cosigner, you won\u2019t need to worry about this.<\/li>\n<li><b>No risk to your relationships:<\/b> A cosigner shares responsibility for the loan \u2014 which means they\u2019re on the hook if you can\u2019t make your payments. If this happens, it could severely strain your relationship with your cosigner. By refinancing without a cosigner, you won\u2019t risk potentially alienating any friends or family members.<\/li>\n<li><b>Only you are responsible for the loan: <\/b>Without a cosigner, you\u2019re the only one responsible for your refinanced loan. This means you can focus on repaying your loan without worrying about negatively affecting a cosigner along the way \u2014 which might feel financially empowering for some.<\/li>\n<\/ul>\n<p><b><i>Learn More: <\/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><br \/>\n<a name=\"cons-not-cosigner-refinancing\"><\/a><\/p>\n<h2>Cons of not using a cosigner when refinancing<\/h2>\n<ul>\n<li><b>Could be hard to qualify on your own: <\/b>If you have less-than-perfect credit, you might have a hard time getting approved for refinancing without a cosigner.<\/li>\n<li><b>Might not get the best rates:<\/b> Even if you don\u2019t need a cosigner to get approved, having one could get you a lower rate than you\u2019d get on your own. Unless you have excellent credit, you might not qualify for the lowest rates advertised by lenders without a cosigner.<\/li>\n<li><b>Less motivation to stay on top of your payments: <\/b>Some borrowers might need the extra motivation of having a cosigner to make on-time payments.<\/li>\n<\/ul>\n<p><b><i>Check Out: <\/i><\/b><a href=\"https:\/\/www.credible.com\/blog\/refinance-student-loans\/pay-off-or-invest\/\"><b><i>Should I Pay Off My Student Loans or Invest in Stocks?<\/i><\/b><\/a><br \/>\n<a name=\"how-cosigner-release-works\"><\/a><\/p>\n<h2>How cosigner release works<\/h2>\n<p>Some lenders offer a <a href=\"https:\/\/www.credible.com\/blog\/refinance-student-loans\/cosigner-release\/\">cosigner release<\/a> option \u2014 so if you already have a cosigner, you might be able to remove them from the loan after meeting certain requirements. Generally, you\u2019ll have to make consecutive, on-time payments for a certain period of time and also meet the underwriting criteria on your own to qualify for cosigner release.<\/p>\n<p><b><i>Learn More: <\/i><\/b><a href=\"https:\/\/www.credible.com\/blog\/refinance-student-loans\/pay-off-in-10-years\/\"><b><i>How to Pay off Student Loans in 10 Years or Less<\/i><\/b><\/a><br \/>\n<a name=\"frequently-asked-refinancing-without-cosigner\"><\/a><\/p>\n<h2>Frequently asked questions about refinancing without a cosigner<\/h2>\n<p>Here are the answers to a few commonly asked questions about refinancing without a cosigner:<\/p>\n<h3>Can you consolidate student loans without a cosigner?<\/h3>\n<p>Yes, you can consolidate student loans without a cosigner. Keep in mind that the terms consolidation and refinancing are often used interchangeably, but they mean something different for federal and private student loans.<\/p>\n<ul>\n<li><b>Federal student loan consolidation:<\/b> You can consolidate federal student loans into a <a href=\"https:\/\/www.credible.com\/blog\/student-loans\/direct-consolidation-loan\/\">Direct Consolidation Loan<\/a>. While this won\u2019t change your interest rate, you can extend your repayment term up to 30 years to reduce your monthly payments \u2014 though remember that you\u2019ll pay more interest over time. Unlike with refinancing, you don\u2019t need good credit to federally consolidate your loans, and you don\u2019t need to worry about having a cosigner. You also won\u2019t lose access to your federal benefits.<\/li>\n<li><b>Private student loan refinancing:<\/b> Also known as <a href=\"https:\/\/www.credible.com\/student-loan-consolidation\">private student loan consolidation<\/a>, this process lets you combine multiple education debts \u2014 leaving you with one loan and payment to manage. Depending on your credit, you might qualify for a better interest rate, which can save you money on your overall loan cost. Or you could opt to extend your repayment term to <a href=\"https:\/\/www.credible.com\/blog\/refinance-student-loans\/3-ways-lower-monthly-student-loan-payment\/\">lower your monthly student loan payments<\/a>. Keep in mind that if you refinance federal loans, you\u2019ll no longer have access to federal protections.<\/li>\n<\/ul>\n<p><b><i>Check Out: <\/i><\/b><a href=\"https:\/\/www.credible.com\/blog\/student-loans\/how-to-consolidate-student-loans\/\"><b><i>How to Consolidate Your Student Loans<\/i><\/b><\/a><\/p>\n<h3>What do I do if I can&#8217;t get approved for a student loan?<\/h3>\n<p>If you can\u2019t get approved for a student loan without a cosigner, you have a couple of options:<\/p>\n<ul>\n<li><b>Improve your credit.<\/b> If you can wait to refinance, spend some time <a href=\"https:\/\/www.credible.com\/blog\/personal-finance\/build-credit\/\">building your credit<\/a> first. There are several ways to potentially do this, such as making on-time payments on all of your bills, paying down credit card balances, or becoming an authorized user on the credit card account of someone you trust.<\/li>\n<li><b>Apply with a cosigner. <\/b>If there\u2019s no way for you to get approved on your own, you might need to <a href=\"https:\/\/www.credible.com\/blog\/refinance-student-loans\/refinance-with-cosigner\/\">refinance with a cosigner<\/a>. Keep in mind that a cosigner can be anyone with good credit \u2014 such as a parent, other relative, or trusted friend \u2014 who is willing to share responsibility for the loan. Also remember that you might be able to remove your cosigner from the loan later on if you qualify for cosigner release.<\/li>\n<\/ul>\n<p><b><i>Learn More: <\/i><\/b><a href=\"https:\/\/www.credible.com\/blog\/student-loans\/choosing-fixed-or-variable-rate-student-loan\/\"><b><i>Fixed or Variable Student Loan: Which is Right for You?<\/i><\/b><\/a><\/p>\n<h3>Can a cosigner be removed from a student loan?<\/h3>\n<p>Yes, there are two ways a cosigner can be removed from a loan:<\/p>\n<ol>\n<li><b>Cosigner release: <\/b>Several lenders provide a cosigner release option. This means you could have your cosigner removed from the loan after meeting certain conditions \u2014 in general, you\u2019ll need to make consecutive, on-time payments for a specific period of time and meet the lender&#8217;s underwriting criteria on your own.<\/li>\n<li><b>Refinancing again:<\/b> You can also remove a cosigner by refinancing your student loan again.<\/li>\n<\/ol>\n<p><b><i>Check Out: <\/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>How much does it cost to refinance student loans?<\/h3>\n<p>There\u2019s no upfront cost to refinance your student loans. However, keep in mind that you\u2019ll need to pay any interest that accrues on the loan as well as any fees charged by the lender, such as late fees.<\/p>\n<div class=\"basic-box\" style=\"border: 1px solid #E2E4E6;\"><div class=\"basic-box__inside\"><b>Tip:<\/b> If you want to keep your repayment costs low, it\u2019s a good idea to choose the shortest repayment term you can afford. This way, you\u2019ll pay less in interest over time.<\/div><\/div>\n<p>If you decide to refinance your student loans, remember to consider as many lenders as possible to find the right loan for you. Credible makes this easy: You can compare your prequalified rates from multiple lenders in two minutes \u2014 without affecting your credit.<\/p>\n<div class=\"basic-box\" style=\"border: 1px solid #E2E4E6;\"><div class=\"basic-box__inside\"><span style=\"font-size: x-large;\"><strong>Find out if refinancing is right for you<\/strong><\/span><\/p>\n<ul class=\"list--iconArrow accent--isGreen\">\n<li><strong>Compare actual rates, not ballpark estimates<\/strong> &#8211; Unlock rates from multiple lenders in about 2 minutes<\/li>\n<li><strong>Won&#8217;t impact credit score<\/strong> &#8211; Checking rates on Credible won&#8217;t impact your credit score<\/li>\n<li><strong>Data privacy<\/strong> &#8211; We don&#8217;t sell your information, so you won&#8217;t get calls or emails from multiple lenders<\/li>\n<\/ul>\n<p style=\"text-align: center;\"><a class=\"btn btn-warning\" href=\"https:\/\/www.credible.com\/refinance-student-loans\">See Your Refinancing Options<\/a><br \/>\n<small>Credible is 100% free!<\/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<p><!-- End TrustBox widget --><\/p>\n<\/div><\/div>\n","protected":false},"excerpt":{"rendered":"<p>Refinancing your student loans with a cosigner could improve your approval chances as well as possibly get you a lower interest rate than you\u2019d get on your own. However, you don\u2019t have to refinance with&hellip; <a class=\"more \" href=\"https:\/\/www.credible.com\/blog\/refinance-student-loans\/refinance-without-cosigner\/\">Continue reading<\/a><\/p>\n","protected":false},"author":114,"featured_media":54793,"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":[1505],"class_list":{"0":"post-54792","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","6":"hentry","7":"category-refinance-student-loans","8":"tag-student-loan-refi-basics","9":"12-best-loans-for-refinancing-student-loans-without-a-cosigner","11":"post_tag-student-loan-refi-basics"},"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.6 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>8 Best Loans for Refinancing Student Loans Without a Cosigner | Credible<\/title>\n<meta name=\"description\" content=\"While it might be harder to qualify for refinancing on your own, it\u2019s not impossible. 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