Private Student Loans

Private Student Loans Archives

Private Student Loans Archives - Sparrow Nest

<h2 id="brazos-snapshot-" class="wp-block-heading"><strong>Earnest Snapshot</strong></h2>
<p> </p>
<p>Earnest offers both private student loans and student loan refinancing.<sup>1</sup> Earnest’s student loans are available to undergraduate, graduate, and professional students. It is best if you are seeking competitive interest rates, unique borrower perks, and flexible repayment options that allow you to find a loan that matches your budget.</p>

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<h2 id="best-features" class="wp-block-heading"><strong>Best Features of Earnest Student Loans</strong></h2>
<p> </p>
<h3 id="3-work-with-a-non-profit-rather-than-a-traditional-lender-" class="wp-block-heading"><strong><em>Competitive interest rates and zero fees for qualified borrowers</em></strong></h3>
<p> </p>
<p>When looking for a student loan, finding a low-interest rate is typically a top priority. If you qualify for an Earnest student loan, you’ll have access to some of the best rates in the industry. Earnest’s variable and fixed interest rates are typically lower than competing student lenders. In addition, you won’t have to pay origination fees, application fees, prepayment penalties, late fees, or insufficient funds fees.</p>

<h3 id="4-competitive-interest-rates-" class="wp-block-heading"><strong><em>Variety of in-school repayment options</em></strong></h3>
<p> </p>
<p>Earnest offers you four repayment options for your student loans.</p>
<p> </p>
<p>If possible, it’s beneficial to make in-school loan payments in order to reduce the amount of interest you pay over time.</p>

<p style="text-align: center;"><strong><em>Note:</em></strong> <em>Parents borrowing on behalf of students are limited to interest only and immediate repayment options.</em></p>


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<h3 id="5-choose-from-a-variety-of-repayment-terms-between-5-and-20-years-" class="wp-block-heading"><strong><em>Wide range of loan terms to match your budget</em></strong></h3>
<p> </p>
<p>Earnest offers a wide range of loan terms to reduce the burden of your student debt. If you have a cosigner, you can choose a loan term of 5, 7, 10, 12, or 15 years. If you don’t have a cosigner, you’ll have to choose between a 10, 12 or 15-year loan term, unless you are a graduate student. In that case, you may be considered for 5, 7, 10, 12, and 15 year loan terms.</p>

<h3 id="6-offers-up-to-12-months-of-forbearance-due-to-economic-hardship-natural-disaster-or-military-duty-" class="wp-block-heading"><strong><em>Offers a nine-month grace period</em></strong></h3>
<p> </p>
<p>After you are no longer in school at least halftime – because you’ve graduated, left school, or dropped below half-time enrollment – you have a grace period before you begin making full principal and interest monthly payments. While most lenders offer a six-month grace period, some require immediate repayment.</p>
<p> </p>
<p>Earnest, on the other hand, offers a nine-month grace period on its student loans. This can be a massive benefit if you need some extra time to find a job and stabilize your income.</p>
<p> </p>
<p>Be careful though – interest starts to accrue as soon as the loan is disbursed so delaying your payments means you’ll be paying more interest over the lifetime of your loan.</p>

<h3 id="6-offers-up-to-12-months-of-forbearance-due-to-economic-hardship-natural-disaster-or-military-duty-" class="wp-block-heading"><strong><em>Option to skip one monthly payment every year</em></strong></h3>
<p> </p>
<p>Earnest is the only lender that allows you to skip one monthly payment on your student loan every year. This can be incredibly helpful if you lose your job or face an unexpected expense.</p>
<p> </p>
<p>In order to qualify, you must:</p>
<ul>
<li>Make the request at least five business days before the payment is due.</li>
<li>Make the request after six months of timely payments of both interest and principal.</li>
</ul>
<p></p>
<p> </p>
<p>While this feature can be extremely helpful when life hits a bump in the road, do note that the principal and interest from that payment will be spread out across your remaining payments, resulting in increased monthly payments.</p>

<h3 id="6-offers-up-to-12-months-of-forbearance-due-to-economic-hardship-natural-disaster-or-military-duty-" class="wp-block-heading"><strong><em>Allows biweekly payment via autopay</em></strong></h3>
<p> </p>
<p>When you repay your student loan, your payments are due monthly by default. Instead, Earnest gives you the option to make biweekly payments via autopay &#8212; where you automatically pay half your monthly amount once every two weeks. Many borrowers use biweekly autopay in an effort to pay off their student debt faster and pay less in interest over the lifetime of the loan.</p>
<p> </p>
<p>In addition to offering biweekly payments via autopay, Earnest gives you the option to make greater-than-minimum payments via autopay. This means you have the option to pay more than your monthly balance in order to reduce the interest that accrues over time. With Earnest, you can set this up automatically so that the desired monthly payment is drawn from your bank account at the end of each month.</p>

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Compare your personalized, pre-qualified rates from these lenders in minutes.

<p>If you want to skip pre-qualification and apply directly with a lender, you can do so by clicking <b>Apply</b> below.</p>


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<h2 id="drawbacks" class="wp-block-heading"><strong>Drawbacks of Earnest Student Loans</strong></h2>
<p> </p>
<h3 id="8-strict-eligibility-criteria-" class="wp-block-heading"><strong><em>Loans aren’t available to borrowers in Nevada</em></strong></h3>
<p> </p>
<p>If you live in Nevada, you’ll have to consider other lenders for your private student loan. A variety of lenders offer private student loans to borrowers in Nevada, such as <a href="https://www.sparrowfi.com/blog/college-ave-student-loans-review-private-student-loans-2022">College Ave</a>, <a href="https://www.sparrowfi.com/blog/ascent-student-loan-review-private-student-loan-2022-2023">Ascent</a>, and more.</p>

<h3 id="9-no-cosigner-release-" class="wp-block-heading"><strong><em>Students enrolled less than half-time are not eligible</em></strong></h3>
<p> </p>
<p>If you are not enrolled in school at least half-time, you are ineligible for student loans through Earnest. If you’re studying less than half-time, you may want to consider another lender for your private student loan.</p>

<h3 id="10-no-biweekly-payment-via-autopay-" class="wp-block-heading"><strong><em>No cosigner release </em></strong></h3>
<p> </p>
<p>Most private student lenders require or strongly encourage you to apply with a <a href="https://www.sparrowfi.com/blog/what-is-a-private-student-loan-cosigner">cosigner</a>. Given that young people generally have no/limited credit history, a cosigner can help you qualify for better loan terms.</p>
<p> </p>
<p>Many private student lenders allow you to release your cosigner after a few years of timely payments (typically 1-2 years). This essentially means that the cosigner is no longer liable for repaying the loan in the event that you (the borrower) are unable to make payments.</p>
<p> </p>
<p>While becoming a cosigner can be daunting, the cosigner release policy is meant to ease the burden and make it less risky. Unfortunately, Earnest does not offer any form of cosigner release. Instead, you will have to apply to refinance your student loan, which is only available once you’ve graduated.</p>

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<h2>Earnest Eligibility Criteria, Repayment Options &amp; More</h2>
<h3>Fees and Terms</h3>


<h3>Eligibility Requirements (Financial)</h3>


<h3>Eligibility Requirements (Personal)</h3>


<h2><strong>Earnest FAQs</strong></h2>
<h2> </h2>
<h3><strong>Is Earnest a legitimate lender?</strong></h3>
<h3> </h3>
<p>Yes, Earnest is a legitimate lender that was founded in 2013 and has been providing private student loans since 2019.</p>

<h3><strong>Is Earnest available in all 50 states?</strong></h3>
<h3> </h3>
<p>Earnest is available in all 50 states except Nevada.</p>

<h3><strong>How long does it take to get an Earnest student loan?</strong></h3>
<h3> </h3>
<p>Submitting an application through Earnest takes a few minutes. Once you’ve submitted your loan application, Earnest will return a decision about your eligibility, but the exact timeline of this response varies by applicant. If you qualify, you will receive the rate and terms of your loan.</p>

<h3><strong>What happens if I don’t qualify for an Earnest student loan?</strong></h3>
<h3> </h3>
<p>If you don’t qualify for an Earnest student loan, the company will inform you why. Depending on the reason, you may consider applying with a qualified cosigner or trying with a different lender. To check your rates across multiple lenders at once, try using Sparrow’s <a href="https://www.sparrowfi.com/sign-up">free search engine</a>. In just two minutes, you can receive real, personalized offers from over 15 different lenders ready to help you. And best of all, it won’t impact your credit score.</p>

<h3><strong>Are Earnest student loans federal or private?</strong></h3>
<h3> </h3>
<p>Earnest loans are private loans. Before you take on a private loan, we recommend that you exhaust your federal loan options.</p>

<h3><strong>Does applying for a loan through Earnest hurt my credit score? </strong></h3>
<h3> </h3>
<p>Applying for a loan through Earnest could hurt your credit score. Earnest has both eligibility check (hard credit check that may temporarily impact your credit score) and rate check (soft credit check, which will not impact your credit score).</p>

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<h2 id="brazos-snapshot-" class="wp-block-heading"><strong>Earnest Snapshot</strong></h2>
 

Earnest offers both private student loans and student loan refinancing.<sup>1</sup> Earnest’s student loans are available to undergraduate, graduate, and professional students. It is best if you are seeking competitive interest rates, unique borrower perks, and flexible repayment options that allow you to find a loan that matches your budget.

<h3 id="6-offers-up-to-12-months-of-forbearance-due-to-economic-hardship-natural-disaster-or-military-duty-" class="wp-block-heading"><strong><em>Option to skip one monthly payment every year</em></strong></h3>
 

Earnest is the only lender that allows you to skip one monthly payment on your student loan every year. This can be incredibly helpful if you lose your job or face an unexpected expense.

 

In order to qualify, you must:
<ul>
 	<li>Make the request at least five business days before the payment is due.</li>
 	<li>Make the request after six months of timely payments of both interest and principal.</li>
</ul>


 

While this feature can be extremely helpful when life hits a bump in the road, do note that the principal and interest from that payment will be spread out across your remaining payments, resulting in increased monthly payments.

<h3 id="6-offers-up-to-12-months-of-forbearance-due-to-economic-hardship-natural-disaster-or-military-duty-" class="wp-block-heading"><strong><em>Allows biweekly payment via autopay</em></strong></h3>
 

When you repay your student loan, your payments are due monthly by default. Instead, Earnest gives you the option to make biweekly payments via autopay -- where you automatically pay half your monthly amount once every two weeks. Many borrowers use biweekly autopay in an effort to pay off their student debt faster and pay less in interest over the lifetime of the loan.

 

In addition to offering biweekly payments via autopay, Earnest gives you the option to make greater-than-minimum payments via autopay. This means you have the option to pay more than your monthly balance in order to reduce the interest that accrues over time. With Earnest, you can set this up automatically so that the desired monthly payment is drawn from your bank account at the end of each month.

If you want to skip pre-qualification and apply directly with a lender, you can do so by clicking <b>Apply</b> below.

<h2 id="drawbacks" class="wp-block-heading"><strong>Drawbacks of Earnest Student Loans</strong></h2>
 
<h3 id="8-strict-eligibility-criteria-" class="wp-block-heading"><strong><em>Loans aren’t available to borrowers in Nevada</em></strong></h3>
 

If you live in Nevada, you’ll have to consider other lenders for your private student loan. A variety of lenders offer private student loans to borrowers in Nevada, such as <a href="https://www.sparrowfi.com/blog/college-ave-student-loans-review-private-student-loans-2022">College Ave</a>, <a href="https://www.sparrowfi.com/blog/ascent-student-loan-review-private-student-loan-2022-2023">Ascent</a>, and more.

<h3 id="9-no-cosigner-release-" class="wp-block-heading"><strong><em>Students enrolled less than half-time are not eligible</em></strong></h3>
 

If you are not enrolled in school at least half-time, you are ineligible for student loans through Earnest. If you’re studying less than half-time, you may want to consider another lender for your private student loan.

<h3 id="10-no-biweekly-payment-via-autopay-" class="wp-block-heading"><strong><em>No cosigner release </em></strong></h3>
 

Most private student lenders require or strongly encourage you to apply with a <a href="https://www.sparrowfi.com/blog/what-is-a-private-student-loan-cosigner">cosigner</a>. Given that young people generally have no/limited credit history, a cosigner can help you qualify for better loan terms.

 

Many private student lenders allow you to release your cosigner after a few years of timely payments (typically 1-2 years). This essentially means that the cosigner is no longer liable for repaying the loan in the event that you (the borrower) are unable to make payments.

 

While becoming a cosigner can be daunting, the cosigner release policy is meant to ease the burden and make it less risky. Unfortunately, Earnest does not offer any form of cosigner release. Instead, you will have to apply to refinance your student loan, which is only available once you’ve graduated.

<h2>Earnest Eligibility Criteria, Repayment Options &amp; More</h2>
<h3>Fees and Terms</h3>

<strong>Application or Origination Fee</strong>

<h3>Eligibility Requirements (Financial)</h3>

<strong>Typical Credit Score of Approved Borrowers or Cosigners</strong>

<strong>Typical Income of Approved Borrower</strong>

<strong>Maximum Debt-to-Income Ratio</strong>

<strong>Ability to qualify if you’ve filed for bankruptcy</strong>

<h3>Eligibility Requirements (Personal)</h3>

Primary borrower must have a Social Security number. International students are eligible if applying with a cosigner who is a U.S. citizen or permanent resident.

<strong>Must be enrolled half-time or more</strong>

Any school authorized to receive federal aid.

<strong>Percentage of borrowers who have a cosigner</strong>

Allows for surplus payments via autopay: Yes.
Allows for biweekly payments via autopay: Yes.

<strong>In-school Repayment Options</strong>

<strong>Immediate repayment:</strong> Make full payments as soon as the loan is disbursed, while you’re in school.

<strong>Interest-only repayment:</strong> Only pay interest while you're in school.

<strong>Fixed repayment:</strong> Pay $25 a month during school.

<strong>Deferred repayment:</strong> Wait to make payments until you’re out of school.

<strong>Internship, Residency, or Fellowship Deferment</strong>

Borrowers can defer payments for up to 48 months during a medical residency, internship, or fellowship program.

No. Borrowers may refinance with Earnest and release their cosigner.

<strong>Death or Disability Discharge</strong>

Yes, if the borrower dies or suffers a permanent disability.

<strong>Loan discharge if cosigner dies or becomes disabled</strong>

<strong>In-house Customer Service Team</strong>

<strong>Process for Escalating Concerns</strong>

<strong>Borrowers get assigned a personal customer service representative</strong>

<strong>Average time from application to approval</strong>

Online application: a few minutes.
Approval: Varies by applicant.

<h2><strong>Earnest FAQs</strong></h2>
<h2> </h2>
<h3><strong>Is Earnest a legitimate lender?</strong></h3>
<h3> </h3>
Yes, Earnest is a legitimate lender that was founded in 2013 and has been providing private student loans since 2019.

<h3><strong>Is Earnest available in all 50 states?</strong></h3>
<h3> </h3>
Earnest is available in all 50 states except Nevada.

Loans aren’t available to borrowers in Nevada

Students enrolled less than half-time are not eligible

Wide range of loan terms to match your budget

Option to skip 1 monthly payment per year

<h3><strong>How long does it take to get an Earnest student loan?</strong></h3>
<h3> </h3>
Submitting an application through Earnest takes a few minutes. Once you’ve submitted your loan application, Earnest will return a decision about your eligibility, but the exact timeline of this response varies by applicant. If you qualify, you will receive the rate and terms of your loan.

<h3><strong>What happens if I don’t qualify for an Earnest student loan?</strong></h3>
<h3> </h3>
If you don’t qualify for an Earnest student loan, the company will inform you why. Depending on the reason, you may consider applying with a qualified cosigner or trying with a different lender. To check your rates across multiple lenders at once, try using Sparrow’s <a href="https://www.sparrowfi.com/sign-up">free search engine</a>. In just two minutes, you can receive real, personalized offers from over 15 different lenders ready to help you. And best of all, it won’t impact your credit score.

<h3><strong>Are Earnest student loans federal or private?</strong></h3>
<h3> </h3>
Earnest loans are private loans. Before you take on a private loan, we recommend that you exhaust your federal loan options.

<h3><strong>Does applying for a loan through Earnest hurt my credit score? </strong></h3>
<h3> </h3>
Applying for a loan through Earnest could hurt your credit score. Earnest has both eligibility check (hard credit check that may temporarily impact your credit score) and rate check (soft credit check, which will not impact your credit score).

<h2 id="best-features" class="wp-block-heading"><strong>Best Features of Earnest Student Loans</strong></h2>
 
<h3 id="3-work-with-a-non-profit-rather-than-a-traditional-lender-" class="wp-block-heading"><strong><em>Competitive interest rates and zero fees for qualified borrowers</em></strong></h3>
 

When looking for a student loan, finding a low-interest rate is typically a top priority. If you qualify for an Earnest student loan, you’ll have access to some of the best rates in the industry. Earnest’s variable and fixed interest rates are typically lower than competing student lenders. In addition, you won’t have to pay origination fees, application fees, prepayment penalties, late fees, or insufficient funds fees.

<h3 id="4-competitive-interest-rates-" class="wp-block-heading"><strong><em>Variety of in-school repayment options</em></strong></h3>
 

Earnest offers you four repayment options for your student loans.

 

If possible, it’s beneficial to make in-school loan payments in order to reduce the amount of interest you pay over time.

Make full payments as soon as the loan is disbursed, while you’re still in school.

You will minimize the interest you pay, resulting in the greatest savings. Because you’re paying down both interest and principal while you’re still in school, you’ll already have made a good start on repaying your loan by the time you graduate.

For many students, it’s not realistic to make full monthly payments while still enrolled in college.

Pay only interest while you’re in school.

Your monthly payments will be more manageable, and your loan balance won’t grow while you’re in school.

You won’t make any progress paying down your loan balance while you’re a student. But at least you won’t owe more than you borrowed when it’s time to start making full payments.

Pay $25 per month while you’re in school to reduce accrued interest.

You can keep your loan balance in check, and reduce the total amount repaid.

You’ll still owe more than you borrowed when you graduate, but your loan balance won’t grow as quickly.

Don’t make any payments while you’re in school. Begin repayment after graduation or 6 months after graduation.

You won’t have to make payments while you’re in school.

You will likely pay the highest overall cost since unpaid interest will be added to your principal amount at the end of your grace period.

<p style="text-align: center;"><strong><em>Note:</em></strong> <em>Parents borrowing on behalf of students are limited to interest only and immediate repayment options.</em></p>

<h3 id="5-choose-from-a-variety-of-repayment-terms-between-5-and-20-years-" class="wp-block-heading"><strong><em>Wide range of loan terms to match your budget</em></strong></h3>
 

Earnest offers a wide range of loan terms to reduce the burden of your student debt. If you have a cosigner, you can choose a loan term of 5, 7, 10, 12, or 15 years. If you don’t have a cosigner, you’ll have to choose between a 10, 12 or 15-year loan term, unless you are a graduate student. In that case, you may be considered for 5, 7, 10, 12, and 15 year loan terms.

<h3 id="6-offers-up-to-12-months-of-forbearance-due-to-economic-hardship-natural-disaster-or-military-duty-" class="wp-block-heading"><strong><em>Offers a nine-month grace period</em></strong></h3>
 

After you are no longer in school at least halftime – because you’ve graduated, left school, or dropped below half-time enrollment – you have a grace period before you begin making full principal and interest monthly payments. While most lenders offer a six-month grace period, some require immediate repayment.

 

Earnest, on the other hand, offers a nine-month grace period on its student loans. This can be a massive benefit if you need some extra time to find a job and stabilize your income.

 

Be careful though – interest starts to accrue as soon as the loan is disbursed so delaying your payments means you’ll be paying more interest over the lifetime of your loan.

Earnest Snapshot Earnest offers both private student loans and student loan refinancing.1 Earnest’s student loans are available to undergraduate, graduate, and professional students. It is best if you are seeking competitive interest rates, unique borrower perks, and flexible repayment options that allow you to find a loan that matches your budget. Fixed APR Range:&nbsp;4.42% to &hellip; Continue reading "Earnest Private Student Loans: 2023 Review"

Earnest Private Student Loans: 2023 Review

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<p>The best student loan for you will always be the one that suits your individual needs best. However, it’s helpful to have a few strong options to start with so you can get a better idea of what your <a href="https://www.sparrowfi.com/sign-up" target="_blank" rel="noopener">loan options</a> will look like.</p>
<p>Whether you’re pursuing an undergraduate degree, a law degree, or a medical degree, there are loan options designed just for you. Likewise, whether you value the ability to have a non-cosigned loan, flexible repayment options, or finding the best interest rate, there’s a loan that will meet your needs.</p>
<p><i data-stringify-type="italic">The loan options shared are in no particular order. Rates listed may reflect the lender’s autopay discount. Interest rates are subject to change.</i><span class="c-message__edited_label" dir="ltr" data-sk="tooltip_parent"> </span></p>


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<h2>Best Student Loans for Undergraduate and Graduate Degrees</h2>
<p>There are a wide variety of undergraduate and graduate student lenders, making the search process even more important. The following are our top picks for private student loans for undergraduate and graduate degrees.</p>


<h3><strong><a href="https://asla.accountcenter.studentloan.org/inschool/welcome?ref=arspar&amp;utm_source=sparrow&amp;utm_medium=referral&amp;utm_campaign=spar-is&amp;qfid=affiliate-000-000" target="_blank" rel="noreferrer noopener">Arkansas Student Loan Authority (ASLA)</a></strong></h3>


Pre-qualify

<p><strong>Best for:</strong> Residents of, or students in, Arkansas.</p>


<h3><a href="https://www.ascentfunding.com/college-loans/sparrow/?utm_source=partner&amp;utm_medium=sparrowfi_rev_learn_subid--affiliate-000-000" target="_blank" rel="noreferrer noopener"><strong>Ascent</strong></a></h3>


<p><strong>Best for:</strong> International and DACA students who have a lower credit score.</p>


<h3><a href="https://studentloans.com/student-loan-options.html?mc=0000009i" target="_blank" rel="noreferrer noopener"><strong>Brazos</strong></a></h3>


<p><strong>Best for:</strong> Residents of, or student in, Texas.</p>


<h3 id="block-9b4d37bb-3434-43a6-90bf-c9dfa4536bed" class="block-editor-rich-text__editable block-editor-block-list__block wp-block is-selected wp-block-heading rich-text" role="document" contenteditable="true" aria-multiline="true" aria-label="Block: Heading" data-block="9b4d37bb-3434-43a6-90bf-c9dfa4536bed" data-type="core/heading" data-title="Heading"><a href="https://www.collegeavestudentloans.com/application/?SC=CAIS01&amp;ACT=US&amp;utm_campaign=affiliate%20ongoing&amp;utm_source=sparrow&amp;utm_medium=aggregator&amp;utm_content=apply&amp;brand=college%20ave&amp;product=inschool&amp;p_aff=sparrow&amp;goal=acquisition&amp;agg_ref_id=affiliate-000-000" target="_blank" rel="noreferrer noopener"><strong>College Ave</strong></a></h3>


<p><strong>Best for:</strong> Borrowers looking for a repayment term that matches their budget.</p>


<h3><a href="https://www.customchoice.com/?referrer_link=SPROaffiliate-000-000" target="_blank" rel="noreferrer noopener"><strong>Custom Choice</strong></a></h3>


<p><strong>Best for:</strong> Borrowers who want a competitive interest rate and strong borrower benefits.</p>


<h3><a href="https://partner.earnest.com/referral/184db7c6-6af6-4fdf-a23f-f9a8ebc2f382?utm_source=sparrow&amp;utm_medium=referral&amp;utm_content=affiliate-000-000" target="_blank" rel="noreferrer noopener"><strong>Earnest</strong></a></h3>


<p><strong>Best for:</strong> Borrowers who want a competitive interest rate and flexible repayment options.</p>


<p><strong>Best for:</strong> Borrowers who want an income-based repayment (IBR) loan.</p>


<h3><strong><a href="https://www.edvestinu-psl.sparrowfi.com/?utm_source=productSourceCode-580109" target="_blank" rel="noreferrer noopener">EDvestinU</a></strong></h3>


<p><strong>Best for:</strong> Borrowers who want to work with a nonprofit that offers flexible repayment plans.</p>


<h3><a href="https://www.funding-u.com/referrer/Sparrow?cm=&amp;cn=Sparrow&amp;cs=Sparrow&amp;redirect_path=%2F&amp;utm_campaign=Sparrow&amp;utm_medium=&amp;utm_source=Sparrow&amp;referrersubid=" target="_blank" rel="noreferrer noopener"><strong>Funding U</strong></a></h3>


<p><strong>Best for:</strong> Borrowers that were high-achieving undergraduate students.</p>


<h3><a href="https://www.investedindiana.org/lending/student-loan/indiana-student-loan/?ref=SPRaffiliate-000-000"><strong>INvestED</strong></a></h3>


<p><strong>Best for:</strong> Borrowers who are residents of or students in Indiana.</p>


<h3><a href="https://lendkey.qbh8ac.net/c/2776865/217757/3788" target="_blank" rel="noreferrer noopener"><strong>LendKey</strong></a></h3>


<p><strong>Best for:</strong> Borrowers that want to work with a credit union or community bank.</p>


<h3><a href="https://www.mpowerfinancing.com/get-a-loan/?utm_source=sparrowfi&amp;utm_medium=link&amp;utm_term=website&amp;utm_content=lender-box&amp;sub_id=affiliate-000-000"><strong>MPOWER</strong></a></h3>


<p><strong>Best for:</strong> International and DACA borrowers without a cosigner.</p>


<h3><strong><a href="https://www.nelnetbank.com/partners/sparrow-school-loans/?utm_source=sparrow&amp;utm_medium=paidreferral&amp;utm_campaign=psl_sparrow_referral&amp;product_code=s&amp;subID=123456789">Nelnet Bank</a></strong></h3>


<p><strong>Best for:</strong> Borrowers who want competitive interest rates and a flexible forbearance policy.</p>


<h3><a href="https://prodigyfinance.com/?utm_source=Sparrow-affiliate-000-000&amp;utm_medium=website&amp;utm_content=homepage&amp;utm_campaign=partners-Sparrow-affiliate-000-000" target="_blank" rel="noreferrer noopener"><strong>Prodigy Finance</strong></a></h3>


<p><strong>Best for:</strong> International student borrowers with no cosigner.</p>


<p><strong>Best for:</strong> Borrowers with a strong credit score or a creditworthy cosigner.</p>


<h2 id="block-02a99f85-267e-42bd-9d3a-e03ee30082e5" class="block-editor-rich-text__editable block-editor-block-list__block wp-block is-multi-selected is-partially-selected wp-block-heading rich-text" role="document" contenteditable="true" aria-multiline="true" aria-label="Block: Heading" data-block="02a99f85-267e-42bd-9d3a-e03ee30082e5" data-type="core/heading" data-title="Heading"><strong data-rich-text-format-boundary="true">Best Student Loans for Law, Dental, and Medical School</strong></h2>
<p id="block-9d79dc31-0205-4183-9232-329748e8dac0" class="block-editor-rich-text__editable block-editor-block-list__block wp-block is-multi-selected is-partially-selected wp-block-paragraph rich-text" role="document" contenteditable="true" aria-multiline="true" aria-label="Block: Paragraph" data-block="9d79dc31-0205-4183-9232-329748e8dac0" data-type="core/paragraph" data-title="Paragraph" data-empty="false"><a href="https://www.sparrowfi.com/blog/best-student-loans-for-law-school">Law</a>, <a href="https://www.sparrowfi.com/blog/best-student-loans-for-dental-school">dental</a>, and <a href="https://www.sparrowfi.com/blog/best-student-loans-for-medical-school">medical school</a> are notoriously expensive. So, when searching for a student loan for these programs, you’ll want to pay close attention to the lender’s <a href="https://www.sparrowfi.com/blog/student-loan-limits-how-much-can-you-borrow-in-student-loans">borrowing limits</a>. While you don’t need to stick with one lender for the entire duration of your program, many borrowers do for easier repayment.</p>
<p id="block-74392074-26da-47fc-aaec-20da44f79a6a" class="block-editor-rich-text__editable block-editor-block-list__block wp-block is-multi-selected is-partially-selected wp-block-paragraph rich-text" role="document" contenteditable="true" aria-multiline="true" aria-label="Block: Paragraph" data-block="74392074-26da-47fc-aaec-20da44f79a6a" data-type="core/paragraph" data-title="Paragraph" data-empty="false">If you plan to stick with one lender throughout the duration of your degree, you’ll need to make sure their maximum borrowing limit covers your estimated total cost of attendance.</p>


<h3><strong><a href="https://www.collegeavestudentloans.com/application/?SC=CAIS01&amp;ACT=US&amp;utm_campaign=affiliate%20ongoing&amp;utm_source=sparrow&amp;utm_medium=aggregator&amp;utm_content=apply&amp;brand=college%20ave&amp;product=inschool&amp;p_aff=sparrow&amp;goal=acquisition&amp;agg_ref_id=affiliate-000-000" target="_blank" rel="noreferrer noopener">Brazos</a></strong> &#8211; <em>Law, dental, and medical school loans</em></h3>


<h3><strong><a href="https://www.collegeavestudentloans.com/application/?SC=CAIS01&amp;ACT=US&amp;utm_campaign=affiliate%20ongoing&amp;utm_source=sparrow&amp;utm_medium=aggregator&amp;utm_content=apply&amp;brand=college%20ave&amp;product=inschool&amp;p_aff=sparrow&amp;goal=acquisition&amp;agg_ref_id=affiliate-000-000" target="_blank" rel="noreferrer noopener">College Ave</a> &#8211; </strong><em>Law, dental, and medical school loans</em></h3>


<p><strong>Best for:</strong> Borrowers looking for flexible repayment options.</p>


<h3><strong><a href="https://partner.earnest.com/referral/184db7c6-6af6-4fdf-a23f-f9a8ebc2f382?utm_source=sparrow&amp;utm_medium=referral&amp;utm_content=affiliate-000-000">Earnest</a> &#8211; </strong><em>Medical and law school loans</em></h3>


<h3><strong><a href="https://www.nelnetbank.com/partners/sparrow-school-loans/?utm_source=sparrow&amp;utm_medium=paidreferral&amp;utm_campaign=psl_sparrow_referral&amp;product_code=s&amp;subID=123456789">Nelnet Bank</a> &#8211; </strong><em>Law, dental, and medical school loans</em></h3>


<p><strong>Best for:</strong> Borrowers who need a high borrowing limit and want competitive interest rates.</p>


<h3><strong><a href="https://refer.sofi.com/c/2776865/846867/11190?adcampaigngroup=inschool&amp;adnetwork=BD&amp;sharedID=">SoFi</a> &#8211; </strong><em>Law school loans</em></h3>


<p><strong>Best for:</strong> Borrowers with a strong credit score.</p>


<h2 id="no-cosigner" class="wp-block-heading"><strong>Best Student Loans with No Cosigner</strong></h2>
<p>Many student loan options will require you to have a creditworthy <a href="https://www.sparrowfi.com/blog/what-is-a-private-student-loan-cosigner">cosigner</a> in order to qualify. If you are without a cosigner, however, don’t worry. There are a variety of <a href="https://www.sparrowfi.com/blog/best-student-loans-with-no-cosigner">loan options</a> available that do not require a cosigner.</p>


<h3><strong><a href="https://asla.accountcenter.studentloan.org/inschool/welcome?ref=arspar&amp;utm_source=sparrow&amp;utm_medium=referral&amp;utm_campaign=spar-is&amp;qfid=affiliate-000-000" target="_blank" rel="noreferrer noopener">Arkansas Student Loan Authority</a> (ASLA)</strong></h3>


<h3><a href="https://www.collegeavestudentloans.com/application/?SC=CAIS01&amp;ACT=US&amp;utm_campaign=affiliate%20ongoing&amp;utm_source=sparrow&amp;utm_medium=aggregator&amp;utm_content=apply&amp;brand=college%20ave&amp;product=inschool&amp;p_aff=sparrow&amp;goal=acquisition&amp;agg_ref_id=affiliate-000-000" target="_blank" rel="noreferrer noopener"><strong>College Ave</strong></a></h3>


The best student loan for you will always be the one that suits your individual needs best. However, it’s helpful to have a few strong options to start with so you can get a better idea of what your <a href="https://www.sparrowfi.com/sign-up" target="_blank" rel="noopener">loan options</a> will look like.

Whether you’re pursuing an undergraduate degree, a law degree, or a medical degree, there are loan options designed just for you. Likewise, whether you value the ability to have a non-cosigned loan, flexible repayment options, or finding the best interest rate, there’s a loan that will meet your needs.

<i data-stringify-type="italic">The loan options shared are in no particular order. Rates listed may reflect the lender’s autopay discount. Interest rates are subject to change.</i><span class="c-message__edited_label" dir="ltr" data-sk="tooltip_parent"> </span>

<h3><a href="https://www.mpowerfinancing.com/get-a-loan/?utm_source=sparrowfi&amp;utm_medium=link&amp;utm_term=website&amp;utm_content=lender-box&amp;sub_id=affiliate-000-000"><strong>MPOWER</strong></a></h3>

<strong>Best for:</strong> International and DACA borrowers without a cosigner.

<h3><strong><a href="https://www.nelnetbank.com/partners/sparrow-school-loans/?utm_source=sparrow&amp;utm_medium=paidreferral&amp;utm_campaign=psl_sparrow_referral&amp;product_code=s&amp;subID=123456789">Nelnet Bank</a></strong></h3>

<strong>Best for:</strong> Borrowers who want competitive interest rates and a flexible forbearance policy.

<h3><a href="https://prodigyfinance.com/?utm_source=Sparrow-affiliate-000-000&amp;utm_medium=website&amp;utm_content=homepage&amp;utm_campaign=partners-Sparrow-affiliate-000-000" target="_blank" rel="noreferrer noopener"><strong>Prodigy Finance</strong></a></h3>

<strong>Best for:</strong> International student borrowers with no cosigner.

<strong>Best for:</strong> Borrowers with a strong credit score or a creditworthy cosigner.

<h2><strong data-rich-text-format-boundary="true">Best Student Loans for International Students</strong></h2>
As an international student, there are a few factors you will want to consider when looking for a student loan:
<ol>
 	<li><em><strong>Does it require a <a href="https://www.sparrowfi.com/blog/what-is-a-private-student-loan-cosigner">cosigner</a>?</strong> </em>Some private student loans will require you to have a U.S. citizen or permanent resident cosigner. However, as an international student, you may not have access to one. If you don’t, look for a student loan that does not require a cosigner.</li>
 	<li><em><strong>What is the borrowing limit?</strong> </em>As an international student, you will not have access to the federal aid that U.S. citizen students have. So, the cost of your education may be higher. If so, make sure the lender you choose allows you to borrow enough to cover the amount you need.</li>
 	<li><em><strong>What is the interest rate? </strong></em>When borrowing a student loan without a cosigner, the interest rate will typically be higher. Always verify the <a href="https://www.sparrowfi.com/blog/how-to-compare-student-loan-interest-rates">interest rate</a> before borrowing to make sure it is reasonable and something you’re comfortable with.</li>
 	<li><em><strong>Are payments required while in school? </strong></em>Some international student loans may require you to <a href="https://www.sparrowfi.com/blog/whats-the-best-repayment-plan-for-private-student-loans">make payments</a> while in school. If this is not feasible for you, consider looking for a student loan option that allows you to defer payments until after graduation.</li>
</ol>

<h3><strong>The following are our top picks for international student loans that <span style="text-decoration: underline;"><em>do</em></span> require a cosigner.</strong></h3>

<h3><strong><a href="https://www.ascentfunding.com/college-loans/sparrow/?utm_source=partner&amp;utm_medium=sparrowfi_rev_learn_subid--affiliate-000-000">Ascent</a> - </strong><em>Both undergraduate and graduate degrees</em></h3>

<strong>Best for:</strong> International and DACA students who have a lower credit score.

<h3><strong><a href="https://www.collegeavestudentloans.com/application/?SC=CAIS01&amp;ACT=US&amp;utm_campaign=affiliate%20ongoing&amp;utm_source=sparrow&amp;utm_medium=aggregator&amp;utm_content=apply&amp;brand=college%20ave&amp;product=inschool&amp;p_aff=sparrow&amp;goal=acquisition&amp;agg_ref_id=affiliate-000-000">College Ave</a> - </strong><em>Both undergraduate and graduate degrees</em></h3>

<strong>Best for:</strong> Borrowers looking for a repayment term that matches their budget.

<strong>Best for:</strong> Residents of, or student in, Texas.

<h3 id="block-ac383fe2-c366-474b-9070-d980ea502aa1" class="block-editor-rich-text__editable block-editor-block-list__block wp-block is-selected wp-block-heading rich-text" role="document" contenteditable="true" aria-multiline="true" aria-label="Block: Heading" data-block="ac383fe2-c366-474b-9070-d980ea502aa1" data-type="core/heading" data-title="Heading"><strong><a href="https://partner.earnest.com/referral/184db7c6-6af6-4fdf-a23f-f9a8ebc2f382?utm_source=sparrow&amp;utm_medium=referral&amp;utm_content=affiliate-000-000">Earnest</a> - </strong><em>Both undergraduate and graduate degrees</em></h3>

<strong>Best for:</strong> Borrowers who want a competitive interest rate and flexible repayment options.

<h3><strong><a href="https://www.edvestinu-psl.sparrowfi.com/?utm_source=productSourceCode-580109">EDvestinU</a></strong> – <em>Both undergraduate and graduate degrees</em></h3>

<strong>Best for:</strong> Borrowers who want to work with a nonprofit that offers flexible repayment plans.

<h3><strong>The following are our top picks for international student loans that <span style="text-decoration: underline;"><em>do not </em></span>require a cosigner.</strong></h3>

<h3><strong><a href="https://www.mpowerfinancing.com/get-a-loan/?utm_source=sparrowfi&amp;utm_medium=link&amp;utm_term=website&amp;utm_content=lender-box&amp;sub_id=affiliate-000-000">MPOWER</a> - </strong><em>Both undergraduate and graduate degrees</em></h3>

<h3 id="block-9b4d37bb-3434-43a6-90bf-c9dfa4536bed" class="block-editor-rich-text__editable block-editor-block-list__block wp-block is-selected wp-block-heading rich-text" role="document" contenteditable="true" aria-multiline="true" aria-label="Block: Heading" data-block="9b4d37bb-3434-43a6-90bf-c9dfa4536bed" data-type="core/heading" data-title="Heading"><a href="https://www.collegeavestudentloans.com/application/?SC=CAIS01&amp;ACT=US&amp;utm_campaign=affiliate%20ongoing&amp;utm_source=sparrow&amp;utm_medium=aggregator&amp;utm_content=apply&amp;brand=college%20ave&amp;product=inschool&amp;p_aff=sparrow&amp;goal=acquisition&amp;agg_ref_id=affiliate-000-000" target="_blank" rel="noreferrer noopener"><strong>College Ave</strong></a></h3>

<h3><strong><a href="https://prodigyfinance.com/?utm_source=Sparrow-affiliate-000-000&amp;utm_medium=website&amp;utm_content=homepage&amp;utm_campaign=partners-Sparrow-affiliate-000-000">Prodigy Finance</a> - </strong><em>Graduate degrees only</em></h3>

<h2 id="bad-credit" class="wp-block-heading"><strong>Best Student Loans for Bad Credit</strong></h2>
 

Most private student loans will require you to have a solid credit score or a creditworthy cosigner with one. If you do not have a solid credit score, there are <a href="https://www.sparrowfi.com/blog/best-private-student-loans-for-bad-credit">options</a>. There are private student loans with lower credit score requirements.

<h3><strong><a href="https://asla.accountcenter.studentloan.org/inschool/welcome?ref=arspar&amp;utm_source=sparrow&amp;utm_medium=referral&amp;utm_campaign=spar-is&amp;qfid=affiliate-000-000">Arkansas Student Loan Authority</a> (ASLA) - </strong><em>Both undergraduate and graduate degrees</em></h3>

<strong>Best for:</strong> Residents of, or students in, Arkansas.

<h3><strong><a href="https://partner.earnest.com/referral/184db7c6-6af6-4fdf-a23f-f9a8ebc2f382?utm_source=sparrow&amp;utm_medium=referral&amp;utm_content=affiliate-000-000">Earnest</a> - </strong><em>Both undergraduate and graduate degrees</em></h3>

<h3><strong><a href="https://www.funding-u.com/referrer/Sparrow?cm=&amp;cn=Sparrow&amp;cs=Sparrow&amp;redirect_path=%2F&amp;utm_campaign=Sparrow&amp;utm_medium=&amp;utm_source=Sparrow&amp;referrersubid=">Funding U</a> - </strong><em>Undergraduate degrees only</em></h3>

<strong>Best for:</strong> Borrowers who are high-achieving undergraduate students.

<h3><strong><a href="https://lendkey.qbh8ac.net/c/2776865/217757/3788">LendKey</a> - </strong><em>Both undergraduate and graduate degrees</em></h3>

<strong>Best for:</strong> Borrowers who want to work with a credit union or community bank.

<h2><strong>What to Look for in a Student Loan</strong></h2>
With any student loan, it’s important to consider a variety of factors before borrowing the loan:
<ol>
 	<li><strong>Interest rate. </strong>The interest rate you get on a loan will directly affect how much you pay over the life of the loan. Typically, the lower the interest rate the better.</li>
 	<li><strong>Credit requirements. </strong>Most private student loans will require you to have a certain credit score in order to qualify. If you are concerned about your credit score’s impact on your student loan eligibility, it may be beneficial to look for lenders with lower <a href="https://www.sparrowfi.com/blog/what-credit-score-is-needed-for-a-student-loan">credit score requirements</a>.</li>
 	<li><strong>Repayment options. </strong>Each lender will offer a different selection of <a href="https://www.sparrowfi.com/blog/whats-the-best-repayment-plan-for-private-student-loans">repayment options</a>. While some may require you to begin repayment immediately after the loan is disbursed, others may allow you to defer payments until after graduation. Make sure the lender has a repayment option that suits your needs before borrowing the loan.</li>
 	<li><strong>Cosigner vs. no cosigner. </strong>Many private student loans will require you to have a cosigner in order to qualify. If you do not have a cosigner, you will want to explore <a href="https://www.sparrowfi.com/blog/best-student-loans-with-no-cosigner">no-cosigner loan options</a>.</li>
 	<li><strong>Borrower benefits. </strong>Most private student lenders offer borrower benefits, from autopay discounts to free career training and everything in between. Consider a lender’s borrower benefits if they are an important factor to you.</li>
</ol>

<h3><a href="https://www.customchoice.com/?referrer_link=SPROaffiliate-000-000" target="_blank" rel="noreferrer noopener"><strong>Custom Choice</strong></a></h3>

<h2 class="wp-block-heading"><strong>Final Thoughts from the Nest</strong></h2>
The best student loan for you will always be the loan that suits your needs and desires best. To find the loan that does that, <a href="https://www.sparrowfi.com/sign-up">use Sparrow</a>. Sparrow allows you to compare personalized loan options from 17+ premier lenders side-by-side.



<em data-rich-text-format-boundary="true">Sparrow's goal is to give you the tools and confidence you need to improve your finances. Many or all of the products featured here are from our partners who compensate us. This may influence which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. While we make an effort to include the best deals available to the general public, we make no warranty that such information represents all available products.</em>

<strong>Best for:</strong> Borrowers who want a competitive interest rate and strong borrower benefits.

<h3><a href="https://partner.earnest.com/referral/184db7c6-6af6-4fdf-a23f-f9a8ebc2f382?utm_source=sparrow&amp;utm_medium=referral&amp;utm_content=affiliate-000-000" target="_blank" rel="noreferrer noopener"><strong>Earnest</strong></a></h3>

<strong>Best for:</strong> Borrowers who want an income-based repayment (IBR) loan.

<h3><strong><a href="https://www.edvestinu-psl.sparrowfi.com/?utm_source=productSourceCode-580109" target="_blank" rel="noreferrer noopener">EDvestinU</a></strong></h3>

<h3><a href="https://www.funding-u.com/referrer/Sparrow?cm=&amp;cn=Sparrow&amp;cs=Sparrow&amp;redirect_path=%2F&amp;utm_campaign=Sparrow&amp;utm_medium=&amp;utm_source=Sparrow&amp;referrersubid=" target="_blank" rel="noreferrer noopener"><strong>Funding U</strong></a></h3>

<strong>Best for:</strong> Borrowers that were high-achieving undergraduate students.

<h2>Best Student Loans for Undergraduate and Graduate Degrees</h2>
There are a wide variety of undergraduate and graduate student lenders, making the search process even more important. The following are our top picks for private student loans for undergraduate and graduate degrees.

<h3><a href="https://www.investedindiana.org/lending/student-loan/indiana-student-loan/?ref=SPRaffiliate-000-000"><strong>INvestED</strong></a></h3>

<strong>Best for:</strong> Borrowers who are residents of or students in Indiana.

<h3><a href="https://lendkey.qbh8ac.net/c/2776865/217757/3788" target="_blank" rel="noreferrer noopener"><strong>LendKey</strong></a></h3>

<strong>Best for:</strong> Borrowers that want to work with a credit union or community bank.

<h3><strong><a href="https://asla.accountcenter.studentloan.org/inschool/welcome?ref=arspar&amp;utm_source=sparrow&amp;utm_medium=referral&amp;utm_campaign=spar-is&amp;qfid=affiliate-000-000" target="_blank" rel="noreferrer noopener">Arkansas Student Loan Authority (ASLA)</a></strong></h3>

<h2 id="block-02a99f85-267e-42bd-9d3a-e03ee30082e5" class="block-editor-rich-text__editable block-editor-block-list__block wp-block is-multi-selected is-partially-selected wp-block-heading rich-text" role="document" contenteditable="true" aria-multiline="true" aria-label="Block: Heading" data-block="02a99f85-267e-42bd-9d3a-e03ee30082e5" data-type="core/heading" data-title="Heading"><strong data-rich-text-format-boundary="true">Best Student Loans for Law, Dental, and Medical School</strong></h2>
<p id="block-9d79dc31-0205-4183-9232-329748e8dac0" class="block-editor-rich-text__editable block-editor-block-list__block wp-block is-multi-selected is-partially-selected wp-block-paragraph rich-text" role="document" contenteditable="true" aria-multiline="true" aria-label="Block: Paragraph" data-block="9d79dc31-0205-4183-9232-329748e8dac0" data-type="core/paragraph" data-title="Paragraph" data-empty="false"><a href="https://www.sparrowfi.com/blog/best-student-loans-for-law-school">Law</a>, <a href="https://www.sparrowfi.com/blog/best-student-loans-for-dental-school">dental</a>, and <a href="https://www.sparrowfi.com/blog/best-student-loans-for-medical-school">medical school</a> are notoriously expensive. So, when searching for a student loan for these programs, you’ll want to pay close attention to the lender’s <a href="https://www.sparrowfi.com/blog/student-loan-limits-how-much-can-you-borrow-in-student-loans">borrowing limits</a>. While you don’t need to stick with one lender for the entire duration of your program, many borrowers do for easier repayment.</p>
<p id="block-74392074-26da-47fc-aaec-20da44f79a6a" class="block-editor-rich-text__editable block-editor-block-list__block wp-block is-multi-selected is-partially-selected wp-block-paragraph rich-text" role="document" contenteditable="true" aria-multiline="true" aria-label="Block: Paragraph" data-block="74392074-26da-47fc-aaec-20da44f79a6a" data-type="core/paragraph" data-title="Paragraph" data-empty="false">If you plan to stick with one lender throughout the duration of your degree, you’ll need to make sure their maximum borrowing limit covers your estimated total cost of attendance.</p>

<h3><strong><a href="https://www.collegeavestudentloans.com/application/?SC=CAIS01&amp;ACT=US&amp;utm_campaign=affiliate%20ongoing&amp;utm_source=sparrow&amp;utm_medium=aggregator&amp;utm_content=apply&amp;brand=college%20ave&amp;product=inschool&amp;p_aff=sparrow&amp;goal=acquisition&amp;agg_ref_id=affiliate-000-000" target="_blank" rel="noreferrer noopener">Brazos</a></strong> - <em>Law, dental, and medical school loans</em></h3>

<h3><strong><a href="https://www.collegeavestudentloans.com/application/?SC=CAIS01&amp;ACT=US&amp;utm_campaign=affiliate%20ongoing&amp;utm_source=sparrow&amp;utm_medium=aggregator&amp;utm_content=apply&amp;brand=college%20ave&amp;product=inschool&amp;p_aff=sparrow&amp;goal=acquisition&amp;agg_ref_id=affiliate-000-000" target="_blank" rel="noreferrer noopener">College Ave</a> - </strong><em>Law, dental, and medical school loans</em></h3>

<strong>Best for:</strong> Borrowers looking for flexible repayment options.

<h3><strong><a href="https://partner.earnest.com/referral/184db7c6-6af6-4fdf-a23f-f9a8ebc2f382?utm_source=sparrow&amp;utm_medium=referral&amp;utm_content=affiliate-000-000">Earnest</a> - </strong><em>Medical and law school loans</em></h3>

<h3><strong><a href="https://www.nelnetbank.com/partners/sparrow-school-loans/?utm_source=sparrow&amp;utm_medium=paidreferral&amp;utm_campaign=psl_sparrow_referral&amp;product_code=s&amp;subID=123456789">Nelnet Bank</a> - </strong><em>Law, dental, and medical school loans</em></h3>

<strong>Best for:</strong> Borrowers who need a high borrowing limit and want competitive interest rates.

<h3><strong><a href="https://refer.sofi.com/c/2776865/846867/11190?adcampaigngroup=inschool&amp;adnetwork=BD&amp;sharedID=">SoFi</a> - </strong><em>Law school loans</em></h3>

<strong>Best for:</strong> Borrowers with a strong credit score.

<h2 id="no-cosigner" class="wp-block-heading"><strong>Best Student Loans with No Cosigner</strong></h2>
Many student loan options will require you to have a creditworthy <a href="https://www.sparrowfi.com/blog/what-is-a-private-student-loan-cosigner">cosigner</a> in order to qualify. If you are without a cosigner, however, don’t worry. There are a variety of <a href="https://www.sparrowfi.com/blog/best-student-loans-with-no-cosigner">loan options</a> available that do not require a cosigner.

<h3><strong><a href="https://asla.accountcenter.studentloan.org/inschool/welcome?ref=arspar&amp;utm_source=sparrow&amp;utm_medium=referral&amp;utm_campaign=spar-is&amp;qfid=affiliate-000-000" target="_blank" rel="noreferrer noopener">Arkansas Student Loan Authority</a> (ASLA)</strong></h3>

<h3><a href="https://www.ascentfunding.com/college-loans/sparrow/?utm_source=partner&amp;utm_medium=sparrowfi_rev_learn_subid--affiliate-000-000" target="_blank" rel="noreferrer noopener"><strong>Ascent</strong></a></h3>

<h3><a href="https://studentloans.com/student-loan-options.html?mc=0000009i" target="_blank" rel="noreferrer noopener"><strong>Brazos</strong></a></h3>

<h3><a href="https://www.collegeavestudentloans.com/application/?SC=CAIS01&amp;ACT=US&amp;utm_campaign=affiliate%20ongoing&amp;utm_source=sparrow&amp;utm_medium=aggregator&amp;utm_content=apply&amp;brand=college%20ave&amp;product=inschool&amp;p_aff=sparrow&amp;goal=acquisition&amp;agg_ref_id=affiliate-000-000" target="_blank" rel="noreferrer noopener"><strong>College Ave</strong></a></h3>

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