Student Loan Refinance Rates Comparison All Lenders

We have assembled a list of rates across all of the student loan refinance companies as of December 21, 2021.

Here are the fixed starting rates, assembled from lowest to highest. Includes autopay and Juno discounts where applicable. See lenders for terms. 


  1. Brazos - 2.15% (Texas residents only)
  2. Earnest (through Juno) - 2.19%
  3. Laurel Road - 2.25%
  4. Nelnet - 2.30%
  5. Citizens - 2.44%
  6. Earnest (without Juno) - 2.44%
  7. ISL - 2.44%
  8. Education Loan Finance - 2.47%
  9. LendKey - 2.49%
  10. SoFi - 2.49%
  11. Mefa - 2.50%
  12. Commonbond - 2.59%
  13. Advantage Education - 2.84%
  14. PenFed - 2.89%
  15. EDvestinU - 2.19%
  16. College Ave - 2.99%
  17. INvestEd - 3.47%

Juno Team
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Juno Team

Juno came into existence to help students save money on student loans and other financial products through group buying power by negotiating with lenders. The Juno Team has worked with 90,000+ students and families to help them save money.

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