BEST PERSONAL STUDENT LOANS
Paying for college isn’t cheap, and even after scholarships, grants, and federal aid, you might still need extra funding to cover tuition, books, or living expenses. The right loan can help bridge the gap without breaking the bank, but with so many options out there, finding the best deal can be overwhelming. Our list highlights the best personal student loans with competitive rates, flexible repayment options, and borrower-friendly perks, so you can focus on school instead of stressing over finances.
Best Personal Student Loans 2025
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Easiest Application Process
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Best for Co-Signers
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Best Repayment Option
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Most Flexable Payment Terms
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Most Borrowing Options
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- Quick qualification process
- Competitive interest rates
- Personalized customer service
- Flexible repayment options that fit your needs
- No origination or prepayment fees
- Covers a wide range of expenses
- Flexible Loan Options
- No Prepayment Penalties
- Fast & Easy Applications
With no fees and competitive interest rates, SoFi is great for loans of $5000 or more.
- Repayment plans from 5 to 20 years.
- No origination fees & discounts for autopay.
- Broader eligibility with or without a cosigner.
How to Find the Best Personal Student Loan
Finding the best student loan for your needs starts with understanding your budget and repayment goals. Look for loans with low interest rates, flexible repayment options, and no hidden fees to keep borrowing costs down. Compare fixed vs. variable rates to see which works best for you—fixed rates stay the same, while variable rates can fluctuate. Check for borrower perks like grace periods, autopay discounts, and hardship forbearance in case you need flexibility down the road. And finally, always read the fine print before signing—choosing the right loan now can save you thousands in the long run.
