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Best Student Loans of 2021

As seen in

Last updated January 21st, 2021
College Ave Results Lander Creative
1.24% - 11.98%2
VARIABLE rate APRs
3.99% - 12.99%2
FIXED rate APRs
  • Apply in as little as 3 minutes and get an instant credit decision
  • Multiple repayment options from deferred to immediate principal and interest
  • Choice of how long you take to repay the loan – 5, 8, 10, or 15 years3
  • 0.25% interest rate reduction when you make required payments by automatic debit2
  • Borrow up to 100% of your cost of attendance (minimum $1,000)1
Earnest Results Lander Creative
1.24% - 11.44%
VARIABLE rate APRs
3.95% - 12.78%
FIXED rate APRs
  • Variable rates starting at 1.78% APR (including 0.25% Auto Pay discount)*
  • Check your eligibility in just 2 minutes
  • Fast application and decision-making process
  • Flexible repayment options
  • No fees for origination, disbursement, prepayment, or late payment
  • Skip a payment once per year (once repayment period restarted)**
  • Covers up to 100% of the school's certified cost of attendance
  • 9 month grace period (3 months more than most lenders)***
SalliMae Results Lander Creative
1.25% - 11.15%1
VARIABLE rate APRs
4.25% - 12.35%1
FIXED rate APRs
  • Lowest rates shown include Auto Debit discount.1
  • Choose from multiple repayment options, including no payments while in school.2
  • Cover all types of learning, whether you're studying online or on campus.
  • Chegg Study - Get 4 months of study help included with your Undergraduate Loan.3
  • Ability to make payments while in school.
  • Consider adding a cosigner: Student are nearly 4X more likely to be approved with a cosigner5 and it may help you get a better rate.

How do I choose the right private student loan?

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Do your homework

Check out our Guide to Student Loans below to learn more about financing college expenses.

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Have a cosigner

A cosigner is almost always required to get approved for a private student loan – and to get the best rate.

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Apply directly with the lender

Apply with each lender to find out the exact rate you will be eligible for.

Guide to Student Loans

  • What’s the difference between Federal Student Loans and Private Student Loans?

  • Which is better – Federal or Private Student Loans?

  • How much should I borrow?

  • Do I need a co-signer for Private Student Loans?

  • How do I pick the right Private Student Loan?