• Ascent: Best Overall Lender

Ascent’s annual interest rates can be as low as 3.58% for undergraduate borrowers. It offers student loans to undergraduates without a co-signer and graduate students. If you enrolled in autopay, you can also get a 0.25% interest rate discount with your loan. Students who have a co-signer can get an even more competitive rate. Factors such credit, income, school and program, GPA will all be taken into consideration.

  • Citizens Bank: Runner Up for Best Lender

Though Citizens Bank do not have option for students without a co-signer, its interest rates are among the lowest. It also offers loans to both parents and graduate students, but specific rates may vary in accord with whether you are an undergraduate or graduate, a student or a parent. If you enrolled in autopay, you can also get a 0.25% interest rate discount with your loan If you enrolled in autopay, you can also get a interest rate discount with your loan.

  • SoFi: Best for Graduate Students

SoFi offers loans to graduate students including those majoring in MBA or law. If you enroll in autopay and get a SoFi membership, you can get a 0.25% or 0.125% interest rate discount. Its Unemployment Protection program will give students out of job the opportunity to suspend their payment for the loan.

  • Sallie Mae: Best for Co-Signers

Sallie Mae offers loans for undergraduates who enroll in autopay with low interest rates. It also offers loans to graduate students including those majoring in MBA and parent students. Options are available to international students as well.

  • CommonBond: Best for Refinancing

CommonBond offers some of the best interest rates to students with a co-signer. Its annual refinancing rates can be as low as 2.99% with autopay. It also offers various loan terms for borrowers.

  • College Ave: Best for Flexible Repayment Options

College Ave offers various repayment options for students with or without a co-signer. Terms of five, eight, 10, or 15 years are available for students but no forbearance policy has been specified in the program.

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