Best Student Loan Servicers 2026
by Anonymous
Student loan refinancing can significantly reduce interest costs for borrowers with strong credit and stable income. Private refinancing replaces federal loans with a new private loan, potentially at a lower rate but forfeiting federal protections like income-driven repayment and forgiveness programs. Only refinance federal loans if you are certain you will not need these protections.
SoFi
4.49–9.99%
fixed apr range
5.24–9.99%
variable apr range
$5,000–no max
loan amounts
None
origination fee
Yes, forbearance
unemployment protection
Career coaching, member events
unique benefit
Earnest
4.25–9.74%
fixed apr range
5.25–9.74%
variable apr range
$5,000–$500,000
loan amounts
None
origination fee
Yes, forbearance
unemployment protection
Skip-a-payment option
unique benefit
Splash Financial
4.24–9.99%
fixed apr range
Varies by lender
variable apr range
$5,000–varies
loan amounts
Varies by lender
origination fee
Varies by lender
unemployment protection
Multi-lender comparison
unique benefit
Laurel Road
4.49–8.99%
fixed apr range
5.09–8.99%
variable apr range
$5,000–$500,000
loan amounts
None
origination fee
Yes, forbearance
unemployment protection
Healthcare professional focus
unique benefit
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