Best Student Debt

33 Companies

223 Real Customer Reviews

3.7
Average User Rating

Why I can trust BestCompany.com
Compare The Top Student Debt CompaniesSort By:

9.0

Overall Score

50 User Reviews

a year ago

  • Low Incomes Eligible
  • No Documentation Required for Pre-Approval
  • Options Available for Non-Graduates
View Company Profile

Credible

  • Low Incomes Eligible
  • No Documentation Required for Pre-Approval
  • Options Available for Non-Graduates

8.4

Overall Score

52 User Reviews

7 months ago

  • Unemployment Protection
  • Instant Online Pre-Approval
  • Ideal for Those With High Incomes
View Company Profile

SoFi

  • Unemployment Protection
  • Instant Online Pre-Approval
  • Ideal for Those With High Incomes

8.3

Overall Score

56 User Reviews

a year ago

  • #1 in Federal Student Loan Simplification
  • Fastest, Most Accurate Way to Consolidate
  • Flexible Payment Options
View Company Profile

Docupop

  • #1 in Federal Student Loan Simplification
  • Fastest, Most Accurate Way to Consolidate
  • Flexible Payment Options
View Company Profile

7.1

Overall Score

16 User Reviews

a month ago

  • Application Can Be Time Consuming
  • Heavy Focus on Thoroughly Educating Customers
  • Consolidation Limitations

Federal Student Aid (Studentloans.gov)

  • Application Can Be Time Consuming
  • Heavy Focus on Thoroughly Educating Customers
  • Consolidation Limitations

5.7

Overall Score

18 User Reviews

4 months ago

  • Ideal for Those With a Graduate Degree
  • Refinancing Options Only
  • Highly Flexible Term Options
View Company Profile

CommonBond

  • Ideal for Those With a Graduate Degree
  • Refinancing Options Only
  • Highly Flexible Term Options

4.8

Overall Score

10 User Reviews

12 days ago

  • 660 Minimum Credit Score
  • No Minimum Income Requirement
  • Unemployment Protection
View Company Profile

Laurel Road

  • 660 Minimum Credit Score
  • No Minimum Income Requirement
  • Unemployment Protection
  • Variable Interest Rate Options Not Offered
  • strong Customer Service & Helpful Resources Provided
  • Minimum Annual Income Of $40k Required

Rhode Island Student Loan Authority

  • Variable Interest Rate Options Not Offered
  • strong Customer Service & Helpful Resources Provided
  • Minimum Annual Income Of $40k Required
  • fixed Interest Rates: 1.95% - 9.95%
  • variable Interest Rates: 1.98% - 9.95%
  • 5% Rate Discount Available

First Republic Bank

  • fixed Interest Rates: 1.95% - 9.95%
  • variable Interest Rates: 1.98% - 9.95%
  • 5% Rate Discount Available
  • Longer-Than-Average Cosigner Release
  • Discount for Citizens Bank Account Holders
  • Minimum Annual Income of $24k Required

Citizens Bank

  • Longer-Than-Average Cosigner Release
  • Discount for Citizens Bank Account Holders
  • Minimum Annual Income of $24k Required
  • Apr Range: 2.1%-6.69%
  • Max Undergrad Debt: $250k
  • Coverage: Undisclosed

Elfi (Education Loan Finance)

  • Apr Range: 2.1%-6.69%
  • Max Undergrad Debt: $250k
  • Coverage: Undisclosed
#1
  • Low Incomes Eligible
  • No Documentation Required for Pre-Approval
  • Options Available for Non-Graduates

Credible, a third-party student loan refinancing company, was founded in 2012. Rather than providing refinancing rates from a single lender, Credible instantly provides users with a dashboard of rates from multiple lenders. The dashboard gives users a side-by-side comparison of APR, monthly payment, and more. Finding a rate through Credible is absolutely free.

View Company Profile
#2
  • Unemployment Protection
  • Instant Online Pre-Approval
  • Ideal for Those With High Incomes

SoFi is quickly becoming one of the largest providers of student loan refinancing and consolidation. Although still relatively new, the company has helped almost 200,000 individuals save thousands on their student loans. Competitively low rates, unemployment protection, and a high level of customer support set SoFi apart from other companies in the industry.

View Company Profile
#3
  • #1 in Federal Student Loan Simplification
  • Fastest, Most Accurate Way to Consolidate
  • Flexible Payment Options

Docupop offers federal student loan borrowers the fastest, most efficient way to find and file for the perfect repayment program to fit their unique needs. Once a customers' information is entered into the DocuPop, DocuPop's system generates the best repayment plan options. Overall, DocuPop is a great service for those looking for help with federal student loans. 

View Company Profile
#4
  • Application Can Be Time Consuming
  • Heavy Focus on Thoroughly Educating Customers
  • Consolidation Limitations
StudentLoans.gov is a site operated by the U.S. Department of Education and is designed to help students in the U.S. find their best options for financial aid. To use StudentLoans.gov, students generally are encouraged to complete the FAFSA, or Free Application for Federal Student Aid, which can grant them access to all that StudentLoans.gov has to offer-from free scholarships to highly rated private loans. To provide easier access to these financial resources, the U.S. Department of Education has compiled much of the necessary information online. This information makes StudentLoans.gov a great resource for resolving student debt.
 
View Company Profile
#5
  • Ideal for Those With a Graduate Degree
  • Refinancing Options Only
  • Highly Flexible Term Options

CommonBond was formed by three graduate students (David Klein, Jessup Shean, and Mike Taormina) looking for a solution to high interest rates for student loans. CommonBond is one of several companies to emerge out of the student debt crisis and works with investors such as August Capital, NYCA, Tribeca Venture Partners, and more.

Loans are typically used to refinance graduate degrees, but can also be used to refinance undergraduate degrees. In addition to offering refinancing loans, the company also offers MBA student loans and personal loans. CommonBond has a minimum refinance amount of $5,000.

View Company Profile
#6
  • 660 Minimum Credit Score
  • No Minimum Income Requirement
  • Unemployment Protection

Laurel Road is an FDIC insured bank which specializes in serving professionals and executives for the refinancing of private and federal student loans. The company offers great services for those looking to refinance their federal and private student loans. Laurel Road was formerly known as Darien Rowayton Bank.

View Company Profile
  • Variable Interest Rate Options Not Offered
  • strong Customer Service & Helpful Resources Provided
  • Minimum Annual Income Of $40k Required
Founded in 1981, Rhode Island Student Loan Authority (RISLA) is a nonprofit quasi-state authority. The company offers state-based private education loans, student loan refinancing, and financial aid assistance. 
 
View Company Profile
  • fixed Interest Rates: 1.95% - 9.95%
  • variable Interest Rates: 1.98% - 9.95%
  • 5% Rate Discount Available
First Republic Bank started in 1985, and is headquartered in San Francisco, California. The company was named the "Best Private Bank" in North America, by Private Asset Management Magazine. The bank has more than 60 offices on both the west coast and northeast, and offers a range of services, including lending, deposits, loans, and investments. The company offers a student loan refinancing program that does not charge origination, annual or prepayment fees; however, First Republic requires members to be in close proximity with one of its U.S. offices.
View Company Profile
  • Longer-Than-Average Cosigner Release
  • Discount for Citizens Bank Account Holders
  • Minimum Annual Income of $24k Required
Citizens Bank was founded in 1828, and has around 1,200 branches in 11 states. The company serves over five million people, foundations, nonprofits, and businesses. It is headquartered in Rhode Island, and is one of the oldest financial services firms in the United States. Citizens Bank offers retail and commercial banking, as well as services to small businesses, individuals, and more. It is the 13th largest retail bank. Citizens Bank is transparent with its information and offers great ways for borrowers to discount their rates; however, it does require borrowers to have reasonably good credit, which could be tricky for people just out of college.
View Company Profile
  • Apr Range: 2.1%-6.69%
  • Max Undergrad Debt: $250k
  • Coverage: Undisclosed

Company has not yet verified this profile. We recommend researching the top companies shown below:

View Company Profile