Refinance student loans today and save your hard-earned money!

LendKey: Subject to floor rate and may require the automatic payments be made from a checking or savings account with the lender. The rate reduction will be removed and the rate will be increased by 0.25% upon any cancellation or failed collection attempt of the automatic payment and will be suspended during any period of deferment or forbearance. As a result, during the forbearance or suspension period, and/or if the automatic payment is canceled, any increase will take the form of higher payments.

CommonBond: All Annual Percentage Rates (APRs) displayed assume borrowers enroll in auto pay and account for the 0.25% reduction in interest rate. All variable rates are based on a 1-month LIBOR assumption of 1.75% as of March 10, 2018.

SoFi: Fixed rates from 3.250% APR to 7.125% APR (with AutoPay). Variable rates from 2.540% APR to 7.380% APR (with AutoPay). Interest rates on variable rate loans are capped at either 8.95% or 9.95% depending on term of loan. See APR examples and terms. Lowest variable rate of 2.890% APR assumes current 1 month LIBOR rate of 1.88% plus 1.26% margin minus 0.25% ACH discount. Not all borrowers receive the lowest rate. If approved for a loan, the fixed or variable interest rate offered will depend on your creditworthiness, and the term of the loan and other factors, and will be within the ranges of rates listed above. For the SoFi variable rate loan, the 1-month LIBOR index will adjust monthly and the loan payment will be re-amortized and may change monthly. APRs for variable rate loans may increase after origination if the LIBOR index increases. The SoFi 0.25% AutoPay interest rate reduction requires you to agree to make monthly principal and interest payments by an automatic monthly deduction from a savings or checking account. The benefit will discontinue and be lost for periods in which you do not pay by automatic deduction from a savings or checking account.

*To check the rates and terms you qualify for, SoFi conducts a soft credit inquiry. Unlike hard credit inquiries, soft credit inquiries (or soft credit pulls) do not impact your credit score. Soft credit inquiries allow SoFi to show you what rates and terms SoFi can offer you up front. After seeing your rates, if you choose a product and continue your application, we will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit inquiry. Hard credit inquiries (or hard credit pulls) are required for SoFi to be able to issue you a loan. In addition to requiring your explicit permission, these credit pulls may impact your credit score.

²Laurel Road: Laurel Road Bank is a Connecticut banking corporation offering products in all 50 U.S. states, Washington, D.C., and Puerto Rico. Laurel Road has helped thousands of professionals with graduate and undergraduate degrees across the country to refinance and consolidate over $3 billion in federal and private school loans, saving these borrowers thousands of dollars each. Lending services provided by Laurel Road Bank, Member FDIC.

FIXED APR – Fixed rate options consist of a range from 3.62% per year to 5.80% per year for a 5-year term, 4.33% per year to 6.25% per year for a 7-year term, 4.69% per year to 6.65% per year for a 10-year term, 4.96% per year to 7.05% per year for a 15-year term, or 5.52% per year to 7.27% per year for a 20-year term, with no origination fees. The fixed interest rate will apply until the loan is paid in full (whether before or after default, and whether before or after the scheduled maturity date of the loan). The monthly payment for a sample $10,000 loan at a range of 3.62% per year to 5.80% per year for a 5-year term would be from $182.46 to $192.40. The monthly payment for a sample $10,000 loan at a range of 4.33% per year to 6.25% per year for a 7-year term would be from $138.21 to $147.29. The monthly payment for a sample $10,000 loan at a range of 4.69% per year to 6.65% per year for a 10-year term would be from $104.56 to $114.31. The monthly payment for a sample $10,000 loan at a range of 4.96% per year to 7.05% per year for a 15-year term would be from $78.87 to $90.16. The monthly payment for a sample $10,000 loan at a range of 5.52% per year to 7.27% per year for a 20-year term would be from $68.90 to $79.16.

However, if the borrower chooses to make monthly payments automatically by electronic funds transfer (EFT) from a bank account, the fixed rate will decrease by 0.25%, and will increase back up to the regular fixed interest rate described in the preceding paragraph if the borrower stops making (or we stop accepting) monthly payments automatically by EFT from the designated borrower’s bank account.

VARIABLE APR – Variable rate options consist of a range from 3.05% per year to 5.14% per year for a 5-year term, 3.55% per year to 5.30% per year for a 7-year term, 4.07% per year to 5.57% per year for a 10-year term, 4.36% per year to 5.86% per year for a 15-year term, or 4.65% per year to 6.15% per year for a 20-year term, with no origination fees. APR is subject to increase after consummation. The variable interest rates are based on a Current Index, which is the 3-month London Interbank Offered Rate (LIBOR), as published in the “Money Rates” section of The Wall Street Journal (Eastern Edition). The variable interest rates and Annual Percentage Rate (APR) will increase or decrease when the 3-month LIBOR index changes. The variable interest rates are calculated by adding a margin ranging from 1.20% to 3.29% for the 5-year term loan, 1.70% to 3.45% for the 7-year term loan, 2.22% to 3.72% for the 10-year term loan, 2.51% to 4.01 for the 15-year term loan, and 2.80% to 4.30% for the 20-year term loan, respectively, to the daily average of the 3-month LIBOR index published on each business day during the 91-day period ending on the 20th day of the calendar month immediately preceding each “Change Date,” as defined below, rounded to two decimal places, with no origination fees. (For purposes of determining the 3-month LIBOR index, a business day is any Monday through Friday excluding U.S. federal holidays.) The variable interest rate will change quarterly on the first day of each calendar quarter (“Change Date”) if the Current Index changes. The monthly payment for a sample $10,000 loan at a range of 3.05% per year to 5.14% per year for a 5-year term would be from $179.91 to $189.35. The monthly payment for a sample $10,000 loan at a range of 3.55% per year to 5.30% per year for a 7-year term would be from $134.63 to $142.75. The monthly payment for a sample $10,000 loan at a range of 4.07% per year to 5.57% per year for a 10-year term would be from $101.58 to $108.87. The monthly payment for a sample $10,000 loan at a range of 4.36% per year to 5.86% per year for a 15-year term would be from $75.79 to $83.63. The monthly payment for a sample $10,000 loan at a range of 4.65% per year to 6.15% per year for a 20-year term would be from $64.08 to $72.51.

However, if the borrower chooses to make monthly payments automatically by electronic funds transfer (EFT) from a bank account, the variable rate will decrease by 0.25%, and will increase back up to the regular variable interest rate described in the preceding paragraph if the borrower stops making (or we stop accepting) monthly payments automatically by EFT from the designated borrower’s bank account.

MAXIMUM RATES – Borrowers who take out a variable loan with a term of 5, 7, or 10 years will have a maximum interest rate of 9%. Borrowers who take out a 15 or 20-year variable loan will have a maximum interest rate of 10%.

SAVINGS EXAMPLE – Average savings calculated based on single loans refinanced from 9/2013 to 12/2017 where borrowers’ previous rates were disclosed. Assumes same loan terms for previous and refinanced loans, and payments made to maturity with no prepayments. Actual savings for individual loans vary based on loan balance, interest rates, and other factors.

This information is current as of March 29, 2018 and is subject to change.

*Citizens Bank:

Education Refinance Loan Rate Disclosure: Variable rate, based on the one-month London Interbank Offered Rate (“LIBOR”) published in The Wall Street Journal on the twenty-fifth day, or the next business day, of the preceding calendar month. As of April 1, 2018, the one-month LIBOR rate is 1.88%. Variable interest rates range from 2.88% – 7.98% (2.88% – 7.98% APR) and will fluctuate over the term of the borrower’s loan with changes in the LIBOR rate, and will vary based on applicable terms, level of degree earned and presence of a co-signer. Fixed interest rates range from 3.50% – 8.34% (3.50% – 8.34% APR) based on applicable terms, level of degree earned and presence of a co-signer. Lowest rates shown require application with a cosigner, are for eligible, creditworthy applicants with a graduate level degree, require a 5-year repayment term and include our Loyalty discount and Automatic Payment discounts of 0.25 percentage points each, as outlined in the Loyalty and Automatic Payment Discount disclosures. The maximum variable rate on the Education Refinance Loan is the greater of 21.00% or Prime Rate plus 9.00%. Subject to additional terms and conditions, and rates are subject to change at any time without notice. Such changes will only apply to applications taken after the effective date of change. Please note: Due to federal regulations, Citizens Bank is required to provide every potential borrower with disclosure information before they apply for a private student loan. The borrower will be presented with an Application Disclosure and an Approval Disclosure within the application process before they accept the terms and conditions of their loan.

Loyalty Discount Disclosure: The borrower will be eligible for a 0.25 percentage point interest rate reduction on their loan if the borrower or their co-signer (if applicable) has a qualifying account in existence with us at the time the borrower and their co-signer (if applicable) have submitted a completed application authorizing us to review their credit request for the loan. The following are qualifying accounts: any checking account, savings account, money market account, certificate of deposit, automobile loan, home equity loan, home equity line of credit, mortgage, credit card account, or other student loans owned by Citizens Bank, N.A. Please note, our checking and savings account options are only available in the following states: CT, DE, MA, MI, NH, NJ, NY, OH, PA, RI, and VT and some products may have an associated cost. This discount will be reflected in the interest rate disclosed in the Loan Approval Disclosure that will be provided to the borrower once the loan is approved. Limit of one Loyalty Discount per loan and discount will not be applied to prior loans. The Loyalty Discount will remain in effect for the life of the loan.

Automatic Payment Discount Disclosure: Borrowers will be eligible to receive a 0.25 percentage point interest rate reduction on their student loans owned by Citizens Bank, N.A. during such time as payments are required to be made and our loan servicer is authorized to automatically deduct payments each month from any bank account the borrower designates. Discount is not available when payments are not due, such as during forbearance. If our loan servicer is unable to successfully withdraw the automatic deductions from the designated account three or more times within any 12-month period, the borrower will no longer be eligible for this discount.

Earnest: Rates above include 0.25% discount for auto-pay.

Discover Student Loans: ¹ Get a variable interest rate from 4.74% APR to 7.99% APR (3-Month LIBOR + 2.49% to 3-Month LIBOR + 5.74%) for either a 10-year or 20-year repayment term. Or lock in a fixed interest rate from 5.24% APR to 8.24% APR for a 10-year repayment term or from 5.49% APR to 8.24% APR for a 20-year repayment term. The fixed interest rate is set at the time of application and does not change during the life of the loan. The variable interest rate is calculated based on the 3-Month LIBOR index plus the applicable Margin percentage. The margin is based on your credit evaluation at the time of application and does not change. For variable interest rate loans, the 3-Month LIBOR is 2.25% as of April 1, 2018. Discover Student Loans may adjust the rate quarterly on each January 1, April 1, July 1 and October 1 (the “interest rate change date”), based on the 3-Month LIBOR Index, published in the Money Rates section of the Wall Street Journal 15 days prior to the interest rate change date, rounded up to the nearest one-eighth of one percent (0.125% or 0.00125). This may cause the monthly payments to increase, the number of payments to increase or both. The lowest listed APRs include a 0.25% rate reduction for automatic payments. Visit www.discover.com for more information, including up-to-date interest rates and APRs.

²View Terms and Conditions.

Thrivent: For our fixed-rate loans, the APRs in effect as of 4/1/2018, range from 3.74% to 9.24% (includes auto-debit discount of 0.25%), depending upon your and/or your cosigner’s credit histories and the repayment option you select. For our variable-rate loans, the APRs in effect as of 4/1/2018, range from 3.63% to 10.13% (includes auto-debit discount of 0.25%), depending on your and/or your cosigner’s credit histories and the repayment option you select.

ELFI: Subject to credit approval. Terms and conditions apply. To qualify for refinancing or student loans consolidation through ELFI, you must have at least $15,000 in student loan debt and must have earned a bachelor’s degree or higher from an approved post-secondary institution