The best in student loans

Laurel Road is our top pick for student loan refinancing because of its competitive interest rates, range of repayment options, wide availability, multiple rate discounts and few fees. Parents can also refinance their PLUS loans and private loans with the lender.

If you have strong credit, or a co-signer who does, SoFi has it all — low interest rates, no mandatory fees and you can borrow as much as you need to pay for school. SoFi’s loans are also open to undergraduate and graduate students and their parents.

Earnest has some of the lowest rates available for parent loans, and multiple discounts to minimize borrowing costs. Earnest’s loans also feature flexible payment options and less strict eligibility requirements when compared to other lenders.

Federal student loans don’t require a credit check, have a low fixed rate and, in some cases, interest won’t accrue while in school. These loans also feature income-driven repayment and forgiveness options, which aren’t available through private lenders.

SoFi offers some of the lowest student loan rates in the market, provides multiple rate discount options and allows you to borrow up to your full cost of attendance. The lender also allows co-signers, making it easier for students to qualify.

College Ave offers graduate loans for multiple degree programs, covering 100 percent of the school-certified cost of attendance. Its graduate loans also feature low interest rates and a generous grace period.

Ascent is one of the few lenders that offers loans for boot camps and career programs. Students can borrow up to the full cost of attendance and get access to multiple discounts that can help reduce borrowing costs.

MBA programs are notorious for being expensive. Earnest covers 100 percent of the cost of attendance, plus offers competitive rates, extended grace periods, four ways to pay and many other perks.