Private Student Loans Rates verified live 7/14/2026
Lender Fixed Rates Variable Rates Credit Pull Orig. Fee Grace Period Cosigner Release Notes Get Your Rates!
SoFi 2.45%–15.99% 4.39%–15.99% Soft No 6 12 0.25% autopay
discount		 Get Rates →
Abe 2.39%–16.58% 3.5%–16.5% Soft No 9 12 0.50% autopay
discount		 Get Rates →
Citizens 3.24%–13.41% 4.95%–13.07% Soft No 6 36 0.50% combined Loyalty
+ autopay discount		 Get Rates →
College Ave 2.39%–17.99% 3.89%–17.99% Soft No 6 36 0.25% autopay
discount		 Get Rates →
Sallie Mae 2.39%–17.49% 3.75%–16.95% Hard No 6 12 0.25% autopay
discount		 Get Rates →
Earnest 2.29%–16.49%cosigned, incl. 0.5% discount up to 16.85% Soft No 9 — 0.25% autopay +
0.25% returning borrower		 Get Rates →
Grace period and cosigner release shown in months. Rates pulled directly from each lender's official rate page on 7/14/2026 and may vary by applicant; recheck periodically as they change. Autopay/loyalty discount amounts vary by lender and are noted above (no longer a flat 0.25% across all lenders).