SwitchWizeSmart financial decisions

24 lenders · Updated August 11, 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 24 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
$3,909
per year vs. your 15.0% rate · $276/mo at 1.97% APR
MethodologyIndependent rankings. Sponsored offers labeled. Terms verified regularly.
Showing 24

Undergraduate private loans

Our takeStudent loan starting at 1.97% APR. Confirm in-school deferment and grace period terms before accepting.
1
CA
College Ave
College AveLowest APR
Private · Undergraduate
NMLS verified
APR
1.97%
$3,909
saved per year vs. your rate
Market avg 10.58%8.61% below avg
$276/mo on $30,000 · 10-yr term
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Our takeStudent loan starting at 1.99% APR. Confirm in-school deferment and grace period terms before accepting.
2
EA
Earnest
EarnestTrusted
Private · Undergraduate
NMLS verified
APR
1.99%
$3,903
saved per year vs. your rate
Market avg 10.58%8.59% below avg
$276/mo on $30,000 · 10-yr term
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Our takeStudent loan starting at 1.99% APR. Confirm in-school deferment and grace period terms before accepting.
3
SM
Sallie Mae Bank
Sallie Mae BankTrusted
Private · Undergraduate
NMLS verified
APR
1.99%
$3,903
saved per year vs. your rate
Market avg 10.58%8.59% below avg
$276/mo on $30,000 · 10-yr term
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Our takeStudent loan starting at 2.18% APR. Confirm in-school deferment and grace period terms before accepting.
4
AB
Abe
Abe
Private · Undergraduate
NMLS verified
APR
2.18%
$3,846
saved per year vs. your rate
Market avg 10.58%8.40% below avg
$278/mo on $30,000 · 10-yr term
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Our takeStudent loan starting at 2.19% APR. Confirm in-school deferment and grace period terms before accepting.
5
AS
Ascent
Ascent
Private · Undergraduate
NMLS verified
APR
2.19%
$3,843
saved per year vs. your rate
Market avg 10.58%8.39% below avg
$279/mo on $30,000 · 10-yr term
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Our takeStudent loan starting at 2.45% APR. Confirm in-school deferment and grace period terms before accepting.
6
SO
SoFi
SoFiTrusted
Private · Undergraduate
NMLS verified
APR
2.45%
$3,765
saved per year vs. your rate
Market avg 10.58%8.13% below avg
$282/mo on $30,000 · 10-yr term
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Our takeStudent loan starting at 2.87% APR. Confirm in-school deferment and grace period terms before accepting.
7
LE
LendKey
LendKeyTrusted
Private · Undergraduate
NMLS verified
APR
2.87%
$3,639
saved per year vs. your rate
Market avg 10.58%7.71% below avg
$288/mo on $30,000 · 10-yr term
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Full review·
Our takeStudent loan starting at 2.99% APR. Confirm in-school deferment and grace period terms before accepting.
8
EL
ELFI
ELFITrusted
Private · Undergraduate
NMLS verified
APR
2.99%
$3,603
saved per year vs. your rate
Market avg 10.58%7.59% below avg
$290/mo on $30,000 · 10-yr term
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Our takeStudent loan starting at 3.24% APR. Confirm in-school deferment and grace period terms before accepting.
9
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
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Our takeStudent loan starting at 3.35% APR. Confirm in-school deferment and grace period terms before accepting.
10
MO
Monogram
Monogram
Private · Undergraduate
NMLS verified
APR
3.35%
$3,495
saved per year vs. your rate
Market avg 10.58%7.23% below avg
$295/mo on $30,000 · 10-yr term
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Full review·