Updated Apr 8, 2026

Best Student Loans of 2026

Refinance or consolidate your student loans for a lower rate and faster payoff.. We've compared 2 options to help you find the best fit.

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Independent reviews
Rates updated daily
2 products compared
1

SoFi Student Loans

4.6 / 5
EDITOR'S PICK
NO FEES
TRENDING

Refinance student loans with no fees and member benefits including career coaching.

No origination fees
No late fees
Member benefits
Unemployment protection

PROS

No fees at all
Member perks

CONS

No federal loan options
Strict credit requirements
2

Earnest

4.5 / 5
FLEXIBLE

Customize your student loan payments with flexible repayment options and skip-a-payment.

Custom payments
Skip-a-payment
No fees
Precision pricing

PROS

Flexible payments
Skip payments option

CONS

No co-signer release
Limited state availability

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