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Reviews of Top Student Loan Consolidation Providers

Dive into these reviews to compare the best student loan consolidation companies and choose the right one for you.

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Credible

Credible

Credible is an online student loan refinancing marketplace. You can use Credible to fill out a quick, simple form and see rates from top lenders in minutes, without sending your information directly to lenders or affecting your credit score. If you like a rate, you can apply and get your final offer in as little as one business day.

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Splash Financial

Splash Financial is a student loan refinance company whose sole focus is student loan refinancing. Splash works as a loan refinancing marketplace. After you apply with Splash, you choose the bank or credit union lending partner that offers you the rate and terms that work for you.

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Citizens Bank

Citizens makes it easy for you to refinance one or more student loans in as little as fifteen minutes. Their loans are made by Citizens, a fully insured bank. You can refinance your student loans to remove a cosigner, consolidate multiple loans, or lower your interest rate. The average Citizens customer who refinances student loans to take advantage of a lower interest rate saves $2,628 per year.

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Earnest

Earnest

With Earnest, you can apply and see student refinancing rates you qualify for in as little as 2 minutes. They are a direct lender, so your loan is funded by Earnest as well as serviced by them. Earnest also has programs to help you manage student loan repayments, such as the ability to skip one payment per year.

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SoFi

SoFi is an online student loan refinancing company, with over 375,000 members who have refinanced over $30 billion in student loans. SoFi offers approval within minutes and funding of your current loans within 7 to 15 days. Student loan refinancing is recommended for borrowers who qualify for lower interest by refinancing than on their current loans.

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LendKey

LendKey

LendKey lets customers tailor their loan terms for maximum savings and benefits while offering the ability to refinance and consolidate both private and federal loans. By working with local and community financial services providers, LendKey empowers customers to find lower interest rates.

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Lantern by SoFi

Acquired by SoFi in 2019, Lantern is a financial marketplace and product comparison platform. You can search for small business and personal loans, auto loan refinancing, mortgages, credit cards, life insurance, and student loan refinancing. Lantern enables you to quickly compare student loan refinancing quotes from select lenders for free. It also offers educational content to help you decide if student loan refinancing is right for you.

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MEFA

MEFA

MEFA (Massachusetts Educational Financing Authority) is a non-profit organization that offers undergraduate and postgraduate student loans at very competitive fixed interest rates, and student loan refinancing at fixed and variable rates. MEFA has flexible repayment plans that include deferred payments and an interest-only grace period.

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NaviRefi

NaviRefi

For over four decades, NaviRefi has helped borrowers refinance their federal and private student loans. NaviRefi offers customizable terms from 5 to 20 years. With its 0.25% auto-pay discount, variable rates range from 2.49% to 7.99% APR, while fixed rates range from 3.74% to 8.49% APR. NaviRefi charges no application, prepayment, or late fees, and getting a rate requires a hard credit check.

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Lend-Grow

Lend-Grow

Lend-Grow is an online loans marketplace that connects users with a network of lenders for refinancing the loan and offers a one-time $500 cashback bonus when you refinance a loan of at least $100,000. This is on top of the low rates and any discounts you may receive from their lenders, including a 0.25% autopay discount.

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Fiona

Fiona

Refinancing and restructuring your existing student debt can help simplify your payments and reduce your overall interest rate. Fiona is a marketplace tool that promises to use machine learning to match you with a suitable refinancing service. As you’ll find out in this review, the platform stands out thanks to its use of soft credit searches that don’t have any impact on your credit score.

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Laurel Road

Laurel Road

Laurel Road is committed to offering low rates and flexible repayment terms that can fit a variety of circumstances and requirements. By providing incentives such as discounts and referral bonuses, it allows customers to save and make money even as they gradually pay off their refinanced student loan.

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PenFed

PenFed

PenFed is one of the largest credit unions in the United States. It offers competitive student loans and student loan refinancing options for students, parents, and spouses through a partnership with Sallie Mae. With no prepayment fees, a variety of loan options, and a convenient online application, it’s one of the top lenders to consider in 2020.

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Nelnet Bank

Nelnet Bank, based in Draper, Utah, offers nationwide student loan refinancing and consolidation. You can apply for a loan on their website and generally receive funding within 10-14 days from when you sign your agreement.

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Education Loan Finance

Education Loan Finance

Education Loan Finance refinancing lets you combine multiple loans into one simple, easy to pay, affordable loan. With some of the lowest interest rates in the industry and a simple application process it's a great option for young professionals who are struggling with repayment of their student loans.

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First Republic Bank

First Republic Bank

First Republic Bank offers personal lines of credit with low fixed interest rates. Founded in 1989, this lender provides banking and loan services around the United States. First Republic Bank offers more extensive personal lines of credit than most other banks, allowing borrowers to refinance their debt, including student loans, home expenses, car loans, and more. This lender also has an A+ rating from the Better Business Bureau.

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CommonBond

CommonBond

CommonBond is a student loan refinancing service. You can use it to refinance your existing debt with variable, fixed-rate, and hybrid loans. Besides refinancing millions of dollars in student loans, the company has a social mission and helps to fund the education of a child in need with each loan that it originates. Find out more in this CommonBond review.

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LendingTree

LendingTree

LendingTree is quite possibly the world’s largest online loans marketplace. It helps connect users with offers for a wide range of loans and refinancing, including student loan refinancing. Thanks to LendingTree, users can compare several trusted lenders in one place and choose the one that is right for them.

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SuperMoney

SuperMoney

SuperMoney is an online marketplace for student loan refinance, plus other types of loans such as personal loans and auto loans. With SuperMoney, users can easily compare pre-qualified rates from multiple lenders with one form. SuperMoney works with some of the top student lenders in the business. Users may refinance private student loans, federal student loans, or a combination of both.

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LendEDU

LendEDU

LendEDU works with a range of lenders in the student lending market. Borrowers are able to compare alternatives without their credit scores being affected. LendEDU informs its customers about all the available options thanks to in-depth reviews of each of its lending partners.

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Discover

Discover

We understand the stress of dealing with student loans, so when it comes to consolidating your student loan debt you want a company that can make the refinance process simple. Discover offers an array of benefits including competitive interest rates, lower payments and no fees. This coupled with its quick and seamless online application puts it as a top choice for customers.

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U-fi

U-fi

U-fi makes funding and paying off education debt easier. With lower interest rates than most and flexible repayment terms ranging from 5-25 years, U-fi really takes the squeeze out of student debt. Students and graduates can borrow anywhere from $5,000 up to $300,000, an impressive array. U-fi also charges no prepayment penalty and offers unemployment protection and early cosigner release, policies that show how much this lender wants to help.

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College Ave

College Ave

College Ave offers private student loans and refinance loans. It is suitable for people looking for flexibility and ease of use, and offers loans with 5 to 20 year terms.

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Figure

Founded in 2018, Figure is a fintech company that has made a name for itself by using AI and blockchain to assess applications for home equity loans and mortgage refinancing. Now it is adding student loan refinancing to its list of products – with the promise of assessing refinance applicants quickly and with minimum hassle. Figure’s main target audience is Millennials with $55,000+ household income and a desire to buy their own home.

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Citizens

Citizens makes it easy for you to refinance one or more student loans in as little as fifteen minutes. Their loans are made by Citizens, a fully insured bank. You can refinance your student loans to remove a cosigner, consolidate multiple loans, or lower your interest rate. The average Citizens customer who refinances student loans to take advantage of a lower interest rate saves $2,628 per year.

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