Best Student Loans for 2024

(Last Updated: June 2024) Need a Student Loan Fast? We make it easy to review your options, compare lenders
and apply for private student loans to get the money you need for college. Advertiser Disclosure

#1 Recommended
Top-Ranked Choice for Students & Parents
  • Rates starting at 4.29% APR1
  • Choice of Fixed or Variable Interest Rates
  • Multiple repayment options including no payments during school.2
  • Borrow 100% of your school-certified expenses.3
  • Apply in as little as 3 minutes and get an instant credit decision.
  • No origination fee or prepayment penalty.3
  • Choice of loan terms (years you take to repay) 5, 8, 10, or 15 years 3
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  • Fixed rates from 4.50% to 15.49% APR1 and Variable rates from 5.37% to 15.70% APR1
  • Whether you are studying online or on campus, borrow up to 100% of the school-certified expenses for the entire school year.2
  • Choose from multiple repayment options to suit your budget1. No origination fee or prepayment penalty.3
  • Lowest rates shown include Auto Debit Discount.1
  • Consider adding a cosigner: Last year, students were nearly 4X more likely to be approved with a cosigner4 and it may help you get a better rate.
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  • Covers up to 100% of the school certified cost of attendance
  • 9 month grace period (3 months more than most lenders)2
  • Flexible repayment options (5, 7, 10 and 15 year loan terms)
  • No fees for origination, disbursement, prepayment, or late payment
  • Skip a payment once per year (once repayment period restarted)3
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  • Actual prequalified rates from multiple lenders in 3 minutes.
  • Checking rates on Credible is free and will not impact your credit score.
  • Flexible repayment plans: deferred, interest only, and many others for all financial needs.
  • Finance almost any degree and cover up to 100% of your school-certified costs after financial aid.
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  • Get a 0.25% discount when you set up autopay.* Plus, SoFi members can qualify for exclusive rate discounts.**1
  • Apply online within minutes. Very easy to apply and add a cosigner to your application.
  • No fees mean no fees. No origination fees, no late fees, and no insufficient fund fees.
  • Adding a cosigner with a solid financial history and good credit may help improve your chances of loan approval—and sometimes even a lower interest rate.
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  • Cash back. After graduation, you may be eligible to get 1% of your loan back as a cash reward.
  • Referral bonus. Tell your friends about Ascent, and you could earn up to $525.
  • No fees. You’ll pay no money to open an account, make a payment, or handle other routine tasks.
  • Small loans. Some students need to borrow large amounts every year. Ascent offers loans as big as $200,000, but if you need just $1,000, they can help you too.
Great for Parents
Top-Ranked Choice for Students & Parents
  • Rates starting at 4.29% APR1
  • Choice of Fixed or Variable Interest Rates
  • Multiple repayment options including no payments during school.2
  • Borrow 100% of your school-certified expenses.3
  • Apply in as little as 3 minutes and get an instant credit decision.
  • No origination fee or prepayment penalty.3
  • Choice of loan terms (years you take to repay) 5, 8, 10, or 15 years 3
Top Choice
Top-Ranked Choice for Students & Parents
  • Rates starting at 4.29% APR1
  • Choice of Fixed or Variable Interest Rates
  • Multiple repayment options including no payments during school.2
  • Borrow 100% of your school-certified expenses.3
  • Apply in as little as 3 minutes and get an instant credit decision.
  • No origination fee or prepayment penalty.3
  • Choice of loan terms (years you take to repay) 5, 8, 10, or 15 years 3