schoolExpert Ranked 2026
Best Student Loans of 2026
We compared private student loan lenders on rates, repayment options, forbearance, and co-signer requirements. Fund your education at the lowest possible cost.
🎓 All Degrees🔄 Refinance Options💸 No Origination Fees
Top Student Loan Lenders Ranked
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Earnest
Best Private Student Loan Lender
From 4.99% APRSkip 1 payment/yrNo fees
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SoFi Student Loans
Best for Refinancing
From 5.24% APRCareer coachingUnemployment protection
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College Ave
Best Flexible Repayment Terms
From 5.59% APR8-20 yr termsCo-signer release
Frequently Asked Questions
Should I choose federal or private student loans? ▼
Always exhaust federal student loan options first — they offer income-driven repayment, forgiveness programs, and better forbearance terms. Only turn to private loans if you need additional funding beyond federal limits.
Can I refinance federal loans into private? ▼
Yes, but you’ll permanently lose federal benefits like IDR plans and PSLF eligibility. Only refinance federal loans into private if you have a stable, high income and don’t need federal protections.