Consolidating loan private

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Such changes will only apply to applications taken after the effective date of change.

Please note: Due to federal regulations, Citizens Bank is required to provide every potential borrower with disclosure information before they apply for a private student loan.

In addition to requiring your explicit permission, these credit pulls may impact your credit score. If you are approved for a loan, the interest rate offered will depend on your credit profile, your application, the loan term selected and will be within the ranges of rates shown.

Variable rate, based on the one-month London Interbank Offered Rate ("LIBOR") published in The Wall Street Journal on the twenty-fifth day, or the next business day, of the preceding calendar month.

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Soft credit inquiries allow So Fi to show you what rates and terms So Fi can offer you up front.

Our detailed reviews of the best student loan refinance companies can help you better compare your options to ensure you find the lowest rate, friendly repayment terms, and more.

The best lenders listed below are determined by our Editorial Ratings which analyze over 20 data points from 18 refinancing companies.

So Fi rate ranges are current as of September 14, 2018 and are subject to change without notice. Lowest variable rate of 2.570% APR assumes the current index rate derived from the 1-month LIBOR of 2.08% plus 0.740% margin minus 0.25% Auto Pay discount. If approved for a loan, the fixed or variable interest rate offered will depend on your creditworthiness, and the term of the loan and other factors, and will be within the ranges of rates listed above.

For the So Fi variable rate loan, the 1-month LIBOR index will adjust monthly and the loan payment will be re-amortized and may change monthly.

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