#1
February 5th, 2016, 10:55 AM
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Best Student Loan Provider
Hello sir I am Robert, will you please provide me the name list of the Best Companies to Refinance and Consolidate Student Loans in US??
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#2
February 5th, 2016, 10:55 AM
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Re: Best Student Loan Provider
As per your demand here I am providing you list of the Best Companies to Refinance and Consolidate Student Loans in US Alliant Credit Union Offering: Student loan consolidation and refinancing for private loans only Minimum loan amount: $10K Maximum loan amount: $75K (undergraduate) and $100K (graduate) Rates: Variable rates only, starting at 6.00% APR Terms: up to 25 years Eligibility: -Original loans cannot be from a for-profit institution, community college, or trade school -Minimum income of $40K and must have worked for current employer for 2 years -Must be member of Alliant to apply, which requires membership in specific groups -No application fee Citizens Bank Offering: Student loan consolidation and refinancing for federal and private student loans Minimum loan amount: $10K Maximum loan amount: $90K (undergraduate), $130K (graduate), and $170K (professional degree) Rates: Fixed rates between 4.74% – 8.90% APR and variable rates starting at 2.33% -6.97% APR (with .25% auto-pay discount) Terms: 5, 10, and 20-year term Eligibility: -Must be in repayment to qualify and have made 3 full on-time payments (or 12 if you do not have a BA degree from an accredited school) -Minimum household income of $24K (for borrower or co-signer) and strong credit score Benefits: -25% rate deduction if borrower or co-signer has account with Citizen’s Bank -Co-signer release option after 36 consecutive on-time payments -No prepayment penalty, origination fee, or application fee Commonbond Offering: Student loan consolidation and refinancing for both federal and private loans Maximum loan amount: $220K Rates: Fixed rates of 3.74%-6.49% APR, variable rates of 1.94%- 4.93% APR, and hybrid rates of 4.14-5.64% APR for the first 5 years (with .25% auto-pay discount) Terms: 5, 10, 15, and 20-year loan term Eligibility: -Must have a degree from a qualifying graduate school to qualify Benefits: -Deferment options and forbearance available for economic hardship -No prepayment penalty or origination fees CordiaGrad Offering: Student loan consolidation and refinancing for federal and private loans, including Parent PLUS loans Minimum loan amount: $20K Maximum loan amount: $350K Rates: Fixed rates of 3.95%-6.25% APR and variable rates of 2.75%-4.25% APR (with auto-pay discount) Terms: 5, 8, and 12-year loan terms Eligibility: -Must be 23 years old, have worked at least 2 years, and have strong credit history -Minimum income of $42K (or $25K with co-signer, who must have income of $50K) Benefits: -Rate discount of .5% if you open a CordiaGrad checking account and auto-pay Darien Rowayton Bank Offering: Student loan consolidation and refinancing for federal and private loans, including Parent PLUS loans Minimum loan amount: $5K Rates: Fixed rates of 3.50%-6.25% APR and variable rates of 1.90%-4.50% APR (with .25% auto-pay discount) Terms: 5, 10, 15, and 20-year term options Eligibility: -Must be working professional with BA or grad degree Benefits: -Forbearance available for short-term economic hardship -No prepayment penalty or origination fee Earnest Offering: Student loan consolidation and refinancing for federal and private loans Rates: Fixed rates of 3.75%-7.50% and Variable rates of 2.15%-6.00%. Terms: 5-20-year term options Eligibility: -Must be 18, be employed or have an offer letter, either have already graduated or will graduate in 6 months -Live in an eligible state -Original loans must be from an accredited institution Benefits: -No prepayment penalty, origination fee, or application fee -Can switch between fixed and variable rates for no charge -Offers bi-weekly payment cycle -Forbearance, unemployment protection -Deferment for up to 3 years if the borrower goes back to school EdvestinU Offering: Student loan consolidation and refinancing for private loans only Rates: Fixed rates between 4.40% – 10.99% APR and variable rates between 3.59% – 7.89% APR Minimum loan amount: $7500 Maximum loan amount: $125K (unless loan was funded by the New Hampshire Higher Education Loan Corp) Terms: Standard and graduated loan terms of 5-25 years Eligibility: -Must have income of $30K for loans up to $100K and income of $50K for loans over $100K -Original loans must be from an accredited, degree-granting school that has not gone into default Benefits: -Rate discount of .5% for auto-pay -Forbearance for economic hardship -Co-signer release option after 24 months of consecutive on-time payments -No prepayment penalty, origination fee, deferment fee, or application fee First Republic Offering: Student loan consolidation and refinancing for federal and private loans Minimum loan amount: $60K Maximum loan amount: $200K Rates: Fixed rates only Eligibility: -Must have First Republic ATM Rebate Checking Account with auto-pay for the loan (which requires a $500 minimum deposit) -Must have worked in your current industry for 24 months -Must apply in-person Benefits: -No prepayment penalty, origination fee, or annual fee iHelp Offering: Student loan consolidation and refinancing for federal and private loans, including Parent PLUS loans Minimum loan amount: $25K Maximum loan amount: Maximum of $100K (undergrad) and $150K (grad) Rates: Fixed rates only, 6.22% – 7.99% APR for co-signed loans and 7.21% – 9.04% APR with a co-signer Terms and Eligibility: -Graduated, 24-month interest only, and standard principal and interest repayment plans available -Must have attended an eligible school. -Must have two years positive credit history and income of $24K for past two years Benefits: -Co-signer release option after 24 months of consecutive on-time payments -Up to 24 months of forbearance for economic hardship and up to 24 months of partial payments -2% fee at time of disbursement -No origination fee or repayment fee LendKey Offering: Student loan consolidation and refinancing for federal and private loans Minimum loan amount: $7,500 Maximum loan amount: Maximum of $125K (undergrad) and $175K (grad) Rates: Variable rates of 1.90%-8.08%. Terms: 5, 10, and 15-year loan terms Benefits: -Offer interest-only repayment for first 4 years -Co-signer release option after 12-36 consecutive on-time payments -No origination fee -Loans funded by community lenders like credit unions and community banks Link Capital Offering: Student loan refinancing and consolidation offered to medical school graduates in or out of residency Rates: Fixed rates of 4.25%-7.10% APR and Variable Rates of 2.65%-4.65% APR. Minimum loan amount: $15K Maximum loan amount: Maximum of $450K Terms: Multiple loan term products available Benefits: -Refinance up to $450,000 -Payments are eligible for deferment during residency -Offers 3-month grace period deferment and 0.25% auto-debit discount Navy Federal Credit Union Offering: Student loan consolidation and refinancing for private loans only Minimum loan amount: $7,500 Maximum loan amount: Maximum of $125K (undergrad) and $175K (grad) Rates: Variable rates starting at 3.53% APR Terms: 15 year loans Benefits: Co-signer release option after 12 consecutive on-time payments Eligibility: -Must be a member of Navy Federal Credit Union (requires affiliation with Armed Forces, DoD, or National Guard) -Loans serviced by LendKey NelNet U-fi Offering: Student loan consolidation and refinancing for federal and private loans Minimum loan amount: of $5K Maximum loan amounts: $125K (undergrad), $150K (grad), $170K (MBA, Law), or $225K (health professionals) Rates: Fixed rates from 4.37% – 9.06% APR and variable rates from 3.30%-6.94% APR Terms: 5, 10, 15, 20, and 25-years Eligibility: -Must have graduated and have income of at least $24K (or a co-signer with income of $24K) Benefits: -Cash reward of 1.5% after first 12 months of on-time payments -Co-signer release option after 24 consecutive on-time payments -No prepayment penalty fees Pave Offering: Offers personal loans to help pay off existing student loan debt Minimum loan amount: $3K Maximum loan amount: $25K Rates: Starting at 6% APR Terms: 2-3 years Eligibility: -Must have credit score of 660 or higher and must have income, a job offer, or be planning to enroll in a course -Loans only available in select states -No co-signers Benefits: -Prides itself on tailor-made loans and transparency RISLA Offering: Student loan consolidation and refinancing for private/non-federal and PLUS loans Rates: Fixed rates from 4.24%-5.74% APR (with co-signer) and 5.49%-6.99% APR (without co-signer) Terms: 5, 10, and 15-years Eligibility: -Only refinances current Rhode Island residents or eligible schools within the state of Rhode Island Benefits: -Rate discount of .25% for auto-pay -No prepayment penalty, but there is an origination fee SoFi Offering: Student loan consolidation and refinancing for federal and private loans, including Parent PLUS loans Minimum loan amount: $10K Maximum loan amount: No maximum Rates: Fixed rates from 3.50%-7.24% APR and variable rates from 1.90%-5.19% APR Terms: 5, 10, 15, and 20-year loan terms Eligibility: -Must be employed or hold job offer to start work within 90 days -Must hold degree from accredited school -Not available in Nevada Benefits: -Forbearance and unemployment protection for up to 12 months -Offers career assistance like interview coaching, resume review, and negotiating tactics -No prepayment penalty or origination fee Upstart Offering: Platform that provides personal loans for any purpose including student loan consolidation and refinancing Minimum loan amount: $3K Maximum loan amount: $35K Rates: APR starting at 5.7% Eligibility: -Minimum FICO score of 640 and proof of income required -No co-signers Benefits: -No prepayment penalty, but there is origination fee of 1-6% -Disburses loan amount one day after application in approved Wells Fargo Offering: student loan consolidation and refinancing for private loans only with Wells Fargo Private Consolidation Loan Minimum loan amount: $5K Maximum loan amount: $120K Terms:15 and 20 years Rates: Fixed rates from 6.74% (with discounts) – 11.79% (without discounts) and variable rates from 3.49% (with discounts) – 8.49% (without discounts) Benefits: -Interest rate discount of .25% for auto-pay, discount of .25% with previous Wells Fargo student loan, and .25% discount with Wells Fargo checking account, discount of .50% with Wells Fargo PMA package -Co-signer release option after 24 consecutive on-time payments -Up to 2 months of forbearance -No prepayment penalty or origination fee |
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