{"id":6,"date":"2026-05-03T21:13:21","date_gmt":"2026-05-03T21:13:21","guid":{"rendered":"https:\/\/moneyranked.com\/student-loans\/best-student-loans\/"},"modified":"2026-05-03T21:13:21","modified_gmt":"2026-05-03T21:13:21","slug":"best-student-loans","status":"publish","type":"page","link":"https:\/\/moneyranked.com\/student-loans\/","title":{"rendered":"Best Student Loans 2026 \u2014 Lowest Rates Compared"},"content":{"rendered":"
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school<\/span>Expert Ranked 2026<\/div>\n

Best Student Loans of 2026<\/h1>\n

We compared private student loan lenders on rates, repayment options, forbearance, and co-signer requirements. Fund your education at the lowest possible cost.<\/p>\n

\ud83c\udf93 All Degrees<\/span>\ud83d\udd04 Refinance Options<\/span>\ud83d\udcb8 No Origination Fees<\/span><\/div>\n<\/div>\n<\/div>\n
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Top Student Loan Lenders Ranked<\/h2>\n
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\n
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\ud83c\udfc6<\/span><\/p>\n
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Earnest<\/h3>\n

Best Private Student Loan Lender<\/p>\n<\/div>\n<\/div>\n

From 4.99% APR<\/span>Skip 1 payment\/yr<\/span>No fees<\/span><\/div>\n<\/div>\n
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9.4<\/div>\n
Score \/ 10<\/div>\n

Check Rate \u2192<\/a><\/div>\n<\/div>\n

\n
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\ud83e\udd48<\/span><\/p>\n
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SoFi Student Loans<\/h3>\n

Best for Refinancing<\/p>\n<\/div>\n<\/div>\n

From 5.24% APR<\/span>Career coaching<\/span>Unemployment protection<\/span><\/div>\n<\/div>\n
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9.1<\/div>\n
Score \/ 10<\/div>\n

Check Rate \u2192<\/a><\/div>\n<\/div>\n

\n
\n
\ud83e\udd49<\/span><\/p>\n
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College Ave<\/h3>\n

Best Flexible Repayment Terms<\/p>\n<\/div>\n<\/div>\n

From 5.59% APR<\/span>8-20 yr terms<\/span>Co-signer release<\/span><\/div>\n<\/div>\n
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8.8<\/div>\n
Score \/ 10<\/div>\n

Check Rate \u2192<\/a><\/div>\n<\/div>\n<\/div>\n<\/section>\n

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Frequently Asked Questions<\/h2>\n
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\nShould I choose federal or private student loans? \u25bc<\/span><\/summary>\n

Always exhaust federal student loan options first \u2014 they offer income-driven repayment, forgiveness programs, and better forbearance terms. Only turn to private loans if you need additional funding beyond federal limits.<\/p>\n<\/details>\n

\nCan I refinance federal loans into private? \u25bc<\/span><\/summary>\n

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.<\/p>\n<\/details>\n<\/div>\n<\/section>\n","protected":false},"excerpt":{"rendered":"

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. \ud83c\udf93 All Degrees\ud83d\udd04 Refinance Options\ud83d\udcb8 No Origination Fees Top Student Loan Lenders Ranked \ud83c\udfc6 Earnest Best Private Student Loan Lender From 4.99% APRSkip 1 payment\/yrNo […]<\/p>\n","protected":false},"author":0,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-6","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/moneyranked.com\/student-loans\/wp-json\/wp\/v2\/pages\/6","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/moneyranked.com\/student-loans\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/moneyranked.com\/student-loans\/wp-json\/wp\/v2\/types\/page"}],"replies":[{"embeddable":true,"href":"https:\/\/moneyranked.com\/student-loans\/wp-json\/wp\/v2\/comments?post=6"}],"version-history":[{"count":0,"href":"https:\/\/moneyranked.com\/student-loans\/wp-json\/wp\/v2\/pages\/6\/revisions"}],"wp:attachment":[{"href":"https:\/\/moneyranked.com\/student-loans\/wp-json\/wp\/v2\/media?parent=6"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}