Private Loan
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Private Loan
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How to pay back private student loans?
Private lenders may not offer repayment plans that are as flexible as those offered for federal student loans, such as income-based or extended payment plans. Each repayment plan is different. You will need to work directly with your lender to determine the plan that best fits your needs, and you should make certain that you fully understand the terms of repayment.
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Private student loans are loans for your education that you get through a private lender such as a bank and are not funded by the federal government. Watch the video for more information on how private loans work.
You must apply directly through a lender. You are free to choose any lender you wish. If you choose to borrow from a lender you might consider using a tool called ELM by visiting ELM Select. ELM Select helps undergraduate, graduate and international students determine which lender and product is right for them. You can filter by lender, repayment types, index rate, enrollment and satisfactory progress. You can also compare lenders and their products side by side to determine the best private education loan for you. Get started .
ASU does not recommend or promote any of the lenders listed on ELM Select. The list represents lenders who provided private education loans to students at Arizona State University. It is up to you to decide which lender to use to obtain your private education loan.
Private student loans generally have stricter eligibility requirements. Lenders may require a good credit score and a cosigner. If you’re considering borrowing through a private lender, we encourage you to:
Certifiable loan terms are Fall/Spring (same academic year), Fall only, Spring only and S ummer only. That means that loans can only be processed and disbursed for these academic terms.
If your loan is certified for both the fall and spring semesters, the first half of your funds will disburse in the fall semester and the second half in the spring semester.
If your loan is certified for a single term, your private education loan will be disbursed in one disbursement.
Your private education loan will disburse within 8 to 10 business days from the date you receive the Loan Consummation Disclosure Statement. Lenders and schools are prohibited by federal regulations from disbursing funds until the cancellation period has passed.
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Updated: Sep 1, 2022, 1:22pm
Editorial Note: We earn a commission from partner links on Forbes Advisor. Commissions do not affect our editors' opinions or evaluations.
Best Private Student Loan Lenders
Rhode Island Student Loan Authority
Ascent
SoFi
A.M. Money
College Ave
Funding U
Discover
PNC Bank
Citizens Bank
Tips to Compare Private Student Loans
Methodology
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Federal vs. Private Student Loans
Can I Get a Student Loan Without a Co-signer?
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Private Student Loan FAQs
Next Up in Student Loans
Our ratings take into account loan cost, loan details, eligibility and accessibility, customer experience and application process. All ratings are determined solely by our editorial team.
Low interest rates
Income-based repayment plan available
Nurses pay 0% interest for 48 months following graduation
No options for international students
Our ratings take into account loan cost, loan details, eligibility and accessibility, customer experience and application process. All ratings are determined solely by our editorial team.
Both co-signed and independent loans available
International students can qualify with a co-signer who has U.S. citizenship or permanent residency
Interest rate estimate available without undergoing a hard credit check
Charges late fees
Maximum APR is above 10%
Our ratings take into account loan cost, loan details, eligibility and accessibility, customer experience and application process. All ratings are determined solely by our editorial team.
Access to SoFi member benefits, including career coaching
No late fees
Interest rate estimate available without undergoing a hard credit check
Our ratings take into account loan cost, loan details, eligibility and accessibility, customer experience and application process. All ratings are determined solely by our editorial team.
No late fees
Income-based repayment available
4.5% origination fee
Short amount of time before default occurs on unpaid loans
Our ratings take into account loan cost, loan details, eligibility and accessibility, customer experience and application process. All ratings are determined solely by our editorial team.
Interest rate estimate available without undergoing a hard credit check
International students can qualify with a co-signer who has U.S. citizenship or permanent residency
Long time period (210 days) before unpaid loans go into default
Our ratings take into account loan cost, loan details, eligibility and accessibility, customer experience and application process. All ratings are determined solely by our editorial team.
No late fees
Interest rate estimate available without undergoing a hard credit check
Co-signer not required
Just one, 10-year loan term available
No options for international students
Our ratings take into account loan cost, loan details, eligibility and accessibility, customer experience and application process. All ratings are determined solely by our editorial team.
Borrowers with a 3.0 GPA or higher can receive 1% of their loan amount as a cash reward
International students can qualify with a co-signer who has U.S. citizenship or permanent residency
Multiple economic hardship repayment options
Our ratings take into account loan cost, loan details, eligibility and accessibility, customer experience and application process. All ratings are determined solely by our editorial team.
12-month payment reduction option, in addition to forbearance, for borrowers experiencing an economic hardship
0.50% interest rate discount available
No interest rate estimate available without hard inquiry
Co-signer release after 48 months, about 24 months later than many other lenders’ policies
Our ratings take into account loan cost, loan details, eligibility and accessibility, customer experience and application process. All ratings are determined solely by our editorial team.
International students can qualify with a co-signer who has U.S. citizenship or permanent residency
Up to 0.50% interest rate discount available for existing Citizens Bank customers
No interest rate estimate available without hard inquiry
Co-signer release after 36 months, about 12 months later than many other lenders’ policies
Information provided on Forbes Advisor is for educational purposes only. Your financial situation is unique and the products and services we review may not be right for your circumstances. We do not offer financial advice, advisory or brokerage services, nor do we recommend or advise individuals or to buy or sell particular stocks or securities. Performance information may have changed since the time of publication. Past performance is not indicative of future results. Forbes Advisor adheres to strict editorial integrity standards. To the best of our knowledge, all content is accurate as of the date posted, though offers contained herein may no longer be available. The opinions expressed are the author’s alone and have not been provided, approved, or otherwise endorsed by our partners .
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Private student loans are best used to pay college costs after you’ve borrowed the maximum you qualify for in both subsidized and unsubsidized federal student loans.
Private student loans come from banks, credit unions and online lenders, and unlike federal student loans for undergraduates, they require a credit check. That means most undergrads will need a co-signer in order to qualify. Private student loans also are more expensive than federal loans—especially now that federal loan rates are at historic lows—and typically don’t offer the flexible repayment options their federal counterparts do.
That’s why there is no five-star lender on our list of private student loans: In the vast majority of cases, the best college financing option is a federal student loan.
Annual percentage rates (APRs) and account details are accurate of August 1, 2022.
2.55% to 11.44% (variable); with autopay discount¹
2.55% to 11.44% (variable); with autopay discount¹
¹You can take advantage of the Auto Pay interest rate reduction by setting up and maintaining active and automatic ACH withdrawal of your loan payment from a checking or savings account. The interest rate reduction for Auto Pay will be available only while your loan is enrolled in Auto Pay. Interest rate incentives for utilizing Auto Pay may not be combined with certain private student loan repayment programs that also offer an interest rate reduction. For multi-party loans, only one party may enroll in Auto Pay. It is important to note that the 0.25% Auto Pay discount is not available while loan payments are deferred.
Rhode Island Student Loan Authority, known as RISLA, is a nonprofit based in Rhode Island that lends to students across the country. It offers two different loan types for undergraduate students, which each come with their own fixed interest rates. One loan requires immediate repayment, and one lets you defer payments until six months after you leave school. Everyone who qualifies for each of the loan types gets the same rate, which makes it easy to compare RISLA loans with others you’ve qualified for.
For borrowers who struggle to afford their loan after graduating, RISLA is one of the only private lenders to offer an income-based repayment plan, which limits payments to 15% of income for a 25-year period.
RISLA was a winner of Forbes Advisor’s best private student loans of 2020 awards. Learn more here .
Loan amounts available: $1,500 to $45,000 per year ($150,000 aggregate per borrower)
Eligibility: Applicants must show a minimum income of $40,000 per year and a minimum credit score of 680. Most undergraduate students will need a co-signer to qualify.
Forbearance options: Forbearance available for up to 24 months.
Co-signer release policy: Available after 24 months of payments. Periods during which borrowers use income-based repayment do not qualify.
Ascent offers both co-signed and non-co-signed student loans, which gives borrowers without co-signers more college funding options. We scored the company based on its co-signed credit-based student loan for undergraduates.
Ascent stands out for its range of payment reduction and postponement options, rare among private lenders. Borrowers can choose a graduated repayment plan, which provides a lower monthly payment to start that increases over time. That can be useful for graduates just starting out, who will likely make more money as they move up in their careers.
Borrowers also can pause payments if they’re experiencing a temporary financial hardship for one to three months at a time, up to a maximum of 24 months total. (Taking this forbearance means you will repay the loan over a longer period, though.) Interest continues to accrue during forbearance, which is true for the vast majority of private student loans.
Ascent also offers a graduation reward of 1% of the loan’s original principal balance. Check the conditions you must satisfy to qualify.
Ascent was a winner of Forbes Advisor’s best private student loans of 2020 awards. Learn more here .
Loan terms: 5, 7, 10, 12 or 15 years
Loan amounts available: $2,001 up to total cost of attendance, to a maximum of $200,000 per academic year ($200,000 aggregate)
Eligibility: Student borrowers with no credit history can qualify with a creditworthy co-signer. Co-signers must show income of at least $24,000 for the current and previous year. Co-signers must have a minimum credit score of 660 if the student has a score of less tha
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