SwitchWizeSmart financial decisions

12 lenders · Updated July 10, 2026

Private student loan rates, independently ranked

Private rates starting below 5% for strong profiles. Set your loan amount and see real monthly payments across 12 lenders — before you apply.

Looking for personal loans?Compare personal loans →
Loan amount$30,000
$1K$100K
Your current APR15.0%
3%36%
Top pick saves you
$3,813
per year vs. your 15.0% rate · $280/mo at 2.29% APR
MethodologyIndependent rankings. Sponsored offers labeled. Terms verified regularly.
Showing 12

Undergraduate private loans

Our takeStudent loan starting at 2.29% APR. Confirm in-school deferment and grace period terms before accepting.
1
EA
Earnest
EarnestLowest APR
Private · Undergraduate
NMLS verified
APR
2.29%
$3,813
saved per year vs. your rate
Market avg 10.58%8.29% below avg
$280/mo on $30,000 · 10-yr term
Check rate

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Full review·
Our takeStudent loan starting at 2.39% APR. Confirm in-school deferment and grace period terms before accepting.
2
SM
Sallie Mae Bank
Sallie Mae BankTrusted
Private · Undergraduate
NMLS verified
APR
2.39%
$3,783
saved per year vs. your rate
Market avg 10.58%8.19% below avg
$281/mo on $30,000 · 10-yr term
Check rate

You'll leave SwitchWize. Verify terms with the lender.

Full review·
Our takeStudent loan starting at 2.39% APR. Confirm in-school deferment and grace period terms before accepting.
3
CA
College Ave
College Ave
Private · Undergraduate
NMLS verified
APR
2.39%
$3,783
saved per year vs. your rate
Market avg 10.58%8.19% below avg
$281/mo on $30,000 · 10-yr term
Check rate

You'll leave SwitchWize. Verify terms with the lender.

Full review·
Our takeStudent loan starting at 2.69% APR. Confirm in-school deferment and grace period terms before accepting.
4
AS
Ascent
Ascent
Private · Undergraduate
NMLS verified
APR
2.69%
$3,693
saved per year vs. your rate
Market avg 10.58%7.89% below avg
$285/mo on $30,000 · 10-yr term
Check rate

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Full review·
Our takeStudent loan starting at 2.98% APR. Confirm in-school deferment and grace period terms before accepting.
5
SO
SoFi
SoFiTrusted
Private · Undergraduate
NMLS verified
APR
2.98%
$3,606
saved per year vs. your rate
Market avg 10.58%7.60% below avg
$289/mo on $30,000 · 10-yr term
Check rate

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Full review·
Our takeStudent loan starting at 3.24% APR. Confirm in-school deferment and grace period terms before accepting.
6
CI
Citizens
CitizensTrusted
Private · Undergraduate
NMLS verified
APR
3.24%
$3,528
saved per year vs. your rate
Market avg 10.58%7.34% below avg
$293/mo on $30,000 · 10-yr term
Check rate

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Full review·

Graduate private loans

Our takeStudent loan starting at 2.29% APR. Confirm in-school deferment and grace period terms before accepting.
7
EA
Earnest
EarnestTrusted
Private · Graduate
NMLS verified
APR
2.29%
$3,813
saved per year vs. your rate
Market avg 10.58%8.29% below avg
$280/mo on $30,000 · 10-yr term
Check rate

You'll leave SwitchWize. Verify terms with the lender.

Full review·
Our takeStudent loan starting at 2.29% APR. Confirm in-school deferment and grace period terms before accepting.
8
SM
Sallie Mae Bank
Sallie Mae BankTrusted
Private · Graduate
NMLS verified
APR
2.29%
$3,813
saved per year vs. your rate
Market avg 10.58%8.29% below avg
$280/mo on $30,000 · 10-yr term
Check rate

You'll leave SwitchWize. Verify terms with the lender.

Full review·
Our takeStudent loan starting at 2.39% APR. Confirm in-school deferment and grace period terms before accepting.
9
CA
College Ave
College Ave
Private · Graduate
NMLS verified
APR
2.39%
$3,783
saved per year vs. your rate
Market avg 10.58%8.19% below avg
$281/mo on $30,000 · 10-yr term
Check rate

You'll leave SwitchWize. Verify terms with the lender.

Full review·
Our takeStudent loan starting at 2.69% APR. Confirm in-school deferment and grace period terms before accepting.
10
AS
Ascent
Ascent
Private · Graduate
NMLS verified
APR
2.69%
$3,693
saved per year vs. your rate
Market avg 10.58%7.89% below avg
$285/mo on $30,000 · 10-yr term
Check rate

You'll leave SwitchWize. Verify terms with the lender.

Full review·