Best Student Loans in 2019

You can use a student loan get the education you need to reach your professional goals and expand your horizons. Interest rates and terms may vary based on your credit score and other factors. Compare your options based on multiple lenders and learn more about student loans.

  • Variable Min credit score
    60-180 Months Loan Term
    3.94%-12.78% APR Range

  • Variable Min credit score
    240 Months Loan Term
    3.89%-9.32% APR Range

  • Variable Min credit score
    60-240 Months Loan Term
    3.89%-12.78% APR Range

    About the lender:

    Credible makes it quick and easy to compare private student loans. In under 2 minutes, borrowers or co-signers can compare real rates, not rate ranges, from multiple vetted lenders. Borrow up to the full cost of attendance.


    • minimum credit score: N/A
    • minimum annual income: No minimum
    • minimum credit history: No minimum
    • maximum debt-to-income ratio: N/A

    Facts and fees:

    • Compare real rates from multiple lenders with Credible
    • Seamless process for borrowers and co-signers
    • Borrow up to the full cost of attendance
    • Rated 9.5 out of 10 on Trustpilot

  • Variable Min credit score
    60-120 Months Loan Term
    6.08%-11.11% APR Range

  • Variable Min credit score
    60-240 Months Loan Term
    4.31%-11.31% APR Range

Find the Best Student Loans & Rates In 2019

Whether you’ve already been accepted into the college of your dreams or you’re just trying to get an idea of what you can afford without becoming another student debt statistic, we have student loans from all the major lenders.

You can compare student loans by minimum credit score, loan term or by the APR range. Use the search options and filters to find the best student loan for your needs.

Keep in mind that if you are a student with no credit history, there are also loans available to parents of college students. These parent loans generally have better interest rates and terms. You can also use a co-signer on your loan to get more favorable terms as well.

It’s important to complete the FAFSA (Free Application for Federal Student Aid) to see if you are eligible for any federal student loans or grants. Just make sure that you don’t miss the deadline, which varies by state and school.

Which Bank is Best for Student Loans?

There are lots of options for private student loans but finding the one that is best for you will depend on your credit score, the amount of the loan that you need and the length of the loan repayment period. When choosing a loan, you’ll want to get an idea of how much the monthly payments will be and if the loan has a fixed or adjustable rate.

A fixed rate means that your interest rate will stay the same for the entire length of the loan. A variable interest rate is one that is subject to change. A variable rate loan can start off lower but keep in mind that it can also increase if interest rates rise.

How Much Can You Borrow?

When applying for undergraduate federal loans, you can borrow between $5,500 and $12,500 in direct subsidized and unsubsidized loans.

When applying for private student loans, the amount you can borrow will depend on factors like your credit score, age, income and enrollment status. Usually, you can find a lender that will allow you to cover 100 percent the cost of tuition. Don’t forget that you’ll still need money for housing, books, food and other associated costs.

Which Are the Best Types of Student Loans?

It depends on a number of factors. If you qualify for federal student aid, it is generally a better option since it has lower interest rates.

However, federal student loans generally cover a smaller amount of the tuition costs and you may need a private loan to cover the remaining tuition costs.

There are also different types of loans depending on the degree or training that you are doing. These loans can include:

  • Community college or technical schools: These types of loans are geared for two-year degrees and certificates, but they generally have higher interest rates and less flexible terms.
  • Undergraduate student loans: These types of loans generally have more favorable interest rates than the community college loans.
  • Loans for graduate or professional degrees: There types of loans usually offer larger maximum loan amounts because of the costs associated with these types of degree programs.
  • Parent loans: Parent loans are ones that are made to the parents in order to get more favorable terms. However, if the child fails to pay, the responsibility is fully on the parents.

Bottom Line

There are lots of options when it comes to student loans. To find the option that’s right for you, make sure you first fill out the FAFSA and calculate any federal student aid that you can receive.

Then see how much you may require in private student loans. Once you know the amount that you need, you can start comparing lenders, interest rates and terms.

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