Student Loans: The Top Loans For You

If you are planning to continue your education, you need to have a way to pay for school. College and universities can rack in high costs and many people take out student loans. Depending on what your living expenses while in school are and how quickly you want to get through your program, you may have to take out a lot of loans.

Public loans are an affordable way to get loans but they may not cover everything, especially if you are attending a private school or program. When you need to take out private loans that cover more than public loans, it is advantageous to look at your options.


Earnest is a private loan lender that offers student loans to undergraduate and graduate students. With Earnest, borrowers can choose the length of their loan and how much they pay every month. Borrowers can also refinance their loans if they need to.

Education Loan Finance

Education Loan Finance, or ELF, offers loan refinancing options for undergraduate and graduate programs, including medical, dental, and law school. They also offer loans for students at select institutions.

College Ave

College Ave focuses on offering loans with quick approval. Applications are simple and people are approved for loans instantly. Borrowers can borrow as little as $1,000 or cover the full cost of going to school. Borrowers can also make payments while in school, pay only interest, or make flat payments, depending on what works best for them.

Sallie Mae

Sallie Mae is a consumer bank that also offers loans to cover undergraduate, graduate, and specialty programs. They also have savings programs to help families plan for college. They have loans for medical residency, career planning, and studying for the bar.


Discover has offered private student loans since 2010. Loans can be as small as $1,000 or cover all of your education costs. Discover loans apply to over 2,000 schools. International loans are also available, though they require a co-signer who is a citizen or permanent resident.

Splash Financial

Splash Financial is a student loan refinancing marketplace. They work with a wide network of banks and financial institutions to provide the best rates possible. They work with federal, private, and Parent PLUS loans.


U-fi works with Nelnet to provide private loans and refinancing options to students in all states, except for Vermont. Borrowers can get up to 15 years to repay loans with flexible repayment options.

Laurel Road

Laurel Road has worked with KeyBank since 2019 and specializes in graduate loans. They also offer loan refinancing for several kinds of loans, including parent PLUS loans. Loans are available from $5,000 and up.


No matter what kind of loan you need or how much you need to be covered, there are private loan lenders that will work with you to ensure that you can pay for school. They will also work with you on repayment or refinancing options. Every situation is different and with some research, you can find the right lender for you.