SwitchWizeSmart financial decisions
Student Loans · May 2026

Your student loan rate may not be your best option.

Private rates start below 5% for strong profiles. We track 17 lenders daily — compare before refinancing.

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No affiliate biasNo credit pullAll credit types
Top 3 — Independently ranked

The three accounts worth your time

Ranked by composite score: rate + trust + ease

#1 · Best overall
EA
Earnest

Earnest

Earnest Personal Loan

2.79%APR
Why #1: Top-ranked for rate, trust, and ease of opening.
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#2 · Runner-up
CA
College Ave

College Ave

College Ave Personal Loan

2.59%APR
Why #2: Strong rate from a trusted institution.
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#3 · Third pick
CA
College Ave

College Ave

College Ave Personal Loan

2.59%APR
Why #3: Solid choice with competitive terms.
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Showing 17 of 17 student loans

Earnest

Earnest Personal Loan

2.79%
APR
#1 PickBest for no fees
No origination fee
Check my rateDetails →

College Ave

College Ave Personal Loan

2.59%
APR
Easiest to openBest for no fees
No origination fee
Check my rateDetails →

College Ave

College Ave Personal Loan

2.59%
APR
Easiest to openBest for no fees
No origination fee
Check my rateDetails →

Earnest

Earnest Personal Loan

2.89%
APR
Easiest to openBest for no fees
No origination fee
Check my rateDetails →

Sallie Mae Bank

Sallie Mae Bank Personal Loan

2.89%
APR
Easiest to openBest for no fees
No origination fee
Check my rateDetails →

Sallie Mae Bank

Sallie Mae Bank Personal Loan

2.89%
APR
Easiest to open
No origination fee
Check my rateDetails →

Ascent

Ascent Personal Loan

2.69%
APR
Easiest to open
No origination fee
Check my rateDetails →

Ascent

Ascent Personal Loan

2.69%
APR
Easiest to open
No origination fee
Check my rateDetails →

SoFi

SoFi Personal Loan

3.23%
APR
Easiest to open
No origination fee
Check my rateDetails →

SoFi

SoFi Personal Loan

3.23%
APR
Easiest to open
No origination fee
Check my rateDetails →
1 / 2
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