The world’s most powerful student loan search

Hundreds of thousands of students rely on Sparrow to save time and money on their student loans.

100% free
Takes three minutes
No credit score impact
Real pre-qualified rates
  • Dashboard
  • FAQ
Pre-qualify
Compare and select
Apply with a lender
Finalize your loan
Receive your funds
JS
Jack S.
Customer support
Jack, you pre-qualified for 22 rates!

Once you have found the best pre-qualified rate for you, click Apply and we’ll take you to the right place.

Loan size
$20,000
Annual income
$50,000
Education
Stanford University
Cosigner
Add cosigner
Bookmarked
Loan type
Rate type
Repayment plan
Lender
Term
Satisfactory academic progress
Past due balance
Your payments over time
$30,00025,000$20,000$10,000$0
‘23‘24‘25‘26‘27‘28‘29‘30‘31‘32‘33‘34‘35‘36‘37‘38
Estimated cost
Total costPayment after school
$30,00025,000$20,000$10,000$0
6.88%, 5 years
Lender 1
6.24% 10 years
Lender 2
6.47%, 10 years
Lender 3
6.82%, 10 years
Lender 4
4.98%, 15 years
Lender 5
Best pre-qualified rates for you

Get out of debt ASAP (pre-qualified rates with the shortest terms) Change my preferences

Sort by: Lowest total cost
Lender 1
Shortest term
APR
6.88%
Term
5 years
Total cost
$23,693.56
Apply
Lender 2
Lowest APR
APR
6.24%
Term
10 years
Total cost
$26,935.09
Apply
Lender 3
APR
6.47%
Term
10 years
Total cost
$27,214.89
Apply
Lender 4
APR
6.82%
Term
10 years
Total cost
$27,643.90
Apply
Lender 5
APR
6.90%
Term
10 years
Total cost
$27,742.50
Apply
The world’s most powerful student loan search

Illustrative purposes, actual results may vary.

Pre-qualified rates are not a firm offer of credit.description

Partnered with forward-thinking schools across the U.S.
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School Vetted

The only platform trusted by schools across the nation

Whether you’re looking for a private student loan or student loan refinancing, Sparrow’s the only platform trusted and utilized by colleges and universities across the country. Unlike other comparison websites, the rates that you see on Sparrow’s platform are real, pre-qualified rates.

Sparrow is completely free, doesn’t impact your credit score, and offers a wide range of coverage including non-cosigned, international, and parent loans.

Illustrative purposes, actual results may vary.

Pre-qualified rates are not a firm offer of credit.description

Pre-qualified rate from Earnest
Pre-qualified rate from College Ave
Pre-qualified rate from Ascent
Pre-qualified rate from LendKey
Pre-qualified rate from Prodigy Finance
Pre-qualified rate from 8B Finance
Pre-qualified rate from ASLA
Pre-qualified rate from MPOWER
Pre-qualified rate from Brazos
Pre-qualified rate from Edly
Pre-qualified rate from EdvestinU
Pre-qualified rate from Funding U
Pre-qualified rate from INvestED
Pre-qualified rate from ISL
Pre-qualified rate from SoFi
Private student loan
Private student loan
Private student loan
Private student loan
Private student loan
Private student loan
Private student loan
Private student loan
Private student loan
Private student loan
Private student loan
Private student loan
Private student loan
Student loan refinance
Student loan refinance
Total cost
$26,094
$29,491
$33,127
$22,944
$26,094
$29,491
$33,127
$22,944
$26,094
$33,127
$22,944
$29,491
$33,127
$22,944
$22,944
APR
5.54%
5.54%
5.54%
5.54%
5.54%
5.54%
5.54%
5.54%
5.54%
5.54%
5.54%
5.54%
5.54%
5.54%
5.54%
Term
10 years
15 years
20 years
5 years
10 years
15 years
20 years
5 years
10 years
20 years
5 years
15 years
20 years
5 years
5 years
Monthly payment
$217/mo
$164/mo
$138/mo
$382/mo
$217/mo
$164/mo
$138/mo
$382/mo
$217/mo
$138/mo
$382/mo
$164/mo
$138/mo
$382/mo
$382/mo

Apply

  • Dashboard
  • FAQ
Pre-qualify
Compare and select
Apply with a lender
Finalize your loan
Receive your funds
JS
Jack S.
Customer support
Jack, you pre-qualified for 22 rates!

Once you have found the best pre-qualified rate for you, click Apply and we’ll take you to the right place.

Loan size
$20,000
Annual income
$50,000
Education
Stanford University
Cosigner
Add cosigner
Bookmarked
Loan type
Rate type
Repayment plan
Lender
Term
Satisfactory academic progress
Past due balance
Your payments over time
$30,00025,000$20,000$10,000$0
‘23‘24‘25‘26‘27‘28‘29‘30‘31‘32‘33‘34‘35‘36‘37‘38
Estimated cost
Total costPayment after school
$30,00025,000$20,000$10,000$0
6.88%, 5 years
Lender 1
6.24% 10 years
Lender 2
6.47%, 10 years
Lender 3
6.82%, 10 years
Lender 4
4.98%, 15 years
Lender 5
Best pre-qualified rates for you

Get out of debt ASAP (pre-qualified rates with the shortest terms) Change my preferences

Sort by: Lowest total cost
Lender 1
Shortest term
APR
6.88%
Term
5 years
Total cost
$23,693.56
Apply
Lender 2
Lowest APR
APR
6.24%
Term
10 years
Total cost
$26,935.09
Apply
Lender 3
APR
6.47%
Term
10 years
Total cost
$27,214.89
Apply
Lender 4
APR
6.82%
Term
10 years
Total cost
$27,643.90
Apply
Lender 5
APR
6.90%
Term
10 years
Total cost
$27,742.50
Apply
$20,000
$20,000
$20,000
$20,000
$20,000
$20,000
$20,000
$20,000
$20,000
$20,000
$20,000
$20,000
$20,000
$20,000
$20,000
$20,000
Total cost
$26,094
$29,491
$33,127
$22,944
$26,094
$29,491
$33,127
$22,944
$26,094
$29,491
$33,127
$22,944
$26,094
$29,491
$33,127
$22,944
APR
5.54%
5.54%
5.54%
5.54%
5.54%
5.54%
5.54%
5.54%
5.54%
5.54%
5.54%
5.54%
5.54%
5.54%
5.54%
5.54%
Term
10 years
15 years
20 years
5 years
10 years
15 years
20 years
5 years
10 years
15 years
20 years
5 years
10 years
15 years
20 years
5 years
Monthly payment
$217/mo
$164/mo
$138/mo
$382/mo
$217/mo
$164/mo
$138/mo
$382/mo
$217/mo
$164/mo
$138/mo
$382/mo
$217/mo
$164/mo
$138/mo
$382/mo
Automate Your Search

Time is money. Save both.

Finding the most affordable loan should be easy, efficient, and transparent. It should be as simple as finding the best airline ticket. It wasn’t until Sparrow.

Automate my loan search
Private student loans
Submit one form for pre-qualification and compare real rates from 17+ private student lenders. It takes three minutes.
Student loan refinancing
Compare real student loan refinancing rates from 17+ lenders without affecting your credit score - for free.

Illustrative purposes, actual results may vary.

Pre-qualified rates are not a firm offer of credit.description

Why Sparrow

A borrower-first platform built to optimize time and cost savings

Zero fees

We don’t believe in charging borrowers for our services. Sparrow’s products are free and always will be.

Risk-free

Sparrow doesn’t impact your credit score. We eliminate the risk of shopping real pre-qualified rates with lenders.

Exhaustive search

Sparrow works with the nation’s largest network of private student lenders to find you the best rate out there.

Real rates

No smoke and mirrors. No mystery. We don’t get paid to rank lenders higher. You see real pre-qualified rates before borrowing.

Built for scale

The fastest-growing student financing platform in the U.S.

There’s a reason we’re the fastest-growing student financing platform in the country. Sparrow is the most powerful student loan search engine ever built.

See for myself
$310M+

Last year, Sparrow facilitated the search of over $310 million in student loan volume.

8,000+

Borrowers from over 8,000 schools can use Sparrow to find the best private student loan.

500+

Borrowers pursuing over 500 different majors can utilize Sparrow to find financing for their degree.

190+

Because of Sparrow’s extensive lender network, borrowers from over 190 countries may pre-qualify on the platform.

Ready to conquer your student loans?

Join the hundreds of thousands of borrowers who have used Sparrow to find the most affordable student loan. Know your costs before you borrow.

See for myself
Private student loans

Search for the most affordable private student loan in three minutes. It’s 100% free and doesn’t impact your credit score.

Student loan refinancing

Refinancing may lead to substantial cost savings. Use the world’s most powerful platform to find the best rate.