How to Pay Off $80,000 in Student Loans

How to Pay Off $80,000 in Student Loans


Credible Rating


Credible lender scores are evaluated by our editorial crew with the assistance of our loan operations crew. The score standards for lenders embody 78 knowledge factors spanning rates of interest, loan phrases, eligibility requirement transparency, compensation choices, charges, reductions, customer support, cosigner choices, and extra. Read our full methodology.


2.94%+
N/A 10, 15, 20 $7,500 as much as as much as $200,000
(bigger balances require particular approval)
  • Fixed APR:

    2.94%+
  • Variable APR:
    N/A
  • Min. credit rating:
    Does not disclose
  • Loan quantity:
    $7,500 as much as $500,000
  • Loan phrases (years):
    10, 15, 20
  • Max. undergraduate loan stability:
    $250,000 – $500,000
  • Time to fund:
    4 months
  • Repayment choices:
    Immediate compensation, forbearance, loans discharged upon dying or incapacity
  • Fees:
    None
  • Discounts:
    Autopay
  • Eligibility:
    Must be a resident of Kentucky
  • Customer service:
    Phone
  • Soft credit test:
    No
  • Cosigner launch:
    After 12 months
  • Loan servicer:
    Kentucky Higher Education Student Loan Corporation
  • Max. graduate loan stability:
    $250,000 – $500,000
  • Credible Review:
    Advantage Education Loan evaluation
  • Offers Parent PLUS Refinancing :
    Yes


Credible Rating


Credible lender scores are evaluated by our editorial crew with the assistance of our loan operations crew. The score standards for lenders embody 78 knowledge factors spanning rates of interest, loan phrases, eligibility requirement transparency, compensation choices, charges, reductions, customer support, cosigner choices, and extra. Read our full methodology.


2.15%+

1.83%+
5, 7, 10, 15, 20 $10,000 as much as $250,000
(relying on diploma)
  • Fixed APR:

    2.15%+
  • Variable APR:
    N/A
  • Min. credit rating:
    Does not disclose
  • Loan quantity:
    $10,000 to $400,000
  • Loan phrases (years):
    5, 7, 10, 15, 20
  • Repayment choices:
    Military deferment, forbearance
  • Fees:
    Late payment
  • Discounts:
    Autopay
  • Eligibility:
    Must have a credit rating of no less than 720, a minimal revenue of $60,000, and have to be a resident of Texas
  • Customer service:
    Email, cellphone
  • Soft credit test:
    Does not disclose
  • Cosigner launch:
    No
  • Loan servicer:
    Firstmark Services
  • Max. Undergraduate Loan Balance:
    $100,000 – $149,000
  • Max. Graduate Loan Balance:
    $200,000 – $400,000
  • Offers Parent PLUS Refinancing:
    Does not disclose


Credible Rating


Credible lender scores are evaluated by our editorial crew with the assistance of our loan operations crew. The score standards for lenders embody 78 knowledge factors spanning rates of interest, loan phrases, eligibility requirement transparency, compensation choices, charges, reductions, customer support, cosigner choices, and extra. Read our full methodology.


2.44%+1

1.99%+1
5, 7, 10, 15, 20 $10,000 to $500,000
(relying on diploma and loan sort)
  • Fixed APR:

    2.44%+1
  • Variable APR:

    1.99%+1
  • Min. credit rating:
    Does not disclose
  • Loan quantity:
    $10,000 to $750,000
  • Loan phrases (years):
    5, 7, 10, 15, 20
  • Repayment choices:
    Immediate compensation, educational deferment, army deferment, forbearance, loans discharged upon dying or incapacity
  • Fees:
    Late payment
  • Discounts:
    Autopay, loyalty
  • Eligibility:
    Must be a U.S. citizen or everlasting resident and have no less than $10,000 in student loans
  • Customer service:
    Email, cellphone, chat
  • Soft credit test:
    Yes
  • Cosigner launch:
    After 24 to 36 months
  • Loan servicer:
    Firstmark Services
  • Max. Undergraduate Loan Balance:
    $100,000 to $149,000
  • Max. Graduate Loan Balance:
    Less than $150,000
  • Offers Parent PLUS Refinancing:
    Yes


Credible Rating


Credible lender scores are evaluated by our editorial crew with the assistance of our loan operations crew. The score standards for lenders embody 78 knowledge factors spanning rates of interest, loan phrases, eligibility requirement transparency, compensation choices, charges, reductions, customer support, cosigner choices, and extra. Read our full methodology.


2.99%+2

2.94%+2
5, 7, 10, 12, 15, 20 $5,000 to $300,000
(relying on diploma sort)
  • Fixed APR:

    2.99%+2
  • Variable APR:

    2.94%+2
  • Min. credit rating:
    Does not disclose
  • Loan quantity:
    $5,000 to $300,000
  • Loan phrases (years):
    5, 7, 10, 12, 15
  • Repayment choices:
    Military deferment, forbearance, loans discharged upon dying or incapacity
  • Fees:
    Late payment
  • Discounts:
    Autopay
  • Eligibility:
    All states aside from ME
  • Customer service:
    Email, cellphone, chat
  • Soft credit test:
    Yes
  • Cosigner launch:
    After 24 to 36 months
  • Loan servicer:
    College Ave Servicing LLC
  • Max. Undergraduate Loan Balance:
    $100,000 to $149,000
  • Max. Graduate Loan Balance:
    Less than $300,000
  • Offers Parent PLUS Refinancing:
    Yes


Credible Rating


Credible lender scores are evaluated by our editorial crew with the assistance of our loan operations crew. The score standards for lenders embody 78 knowledge factors spanning rates of interest, loan phrases, eligibility requirement transparency, compensation choices, charges, reductions, customer support, cosigner choices, and extra. Read our full methodology.


2.16%+

2.11%+
5, 7, 10, 15, 20 $5,000 to $500,000
  • Fixed charge:

    2.44%+1
  • Variable charge:

    1.99%+1
  • Min. credit rating:
    680
  • Loan quantity:
    $5,000 to $500,000
  • Cosigner launch:
    Yes
  • Loan phrases (years):
    5, 7, 10, 15, 20
  • Repayment choices:
    Academic deferment, forbearance, loans discharged upon dying or incapacity
  • Fees:
    Late payment
  • Discounts:
    Autopay
  • Eligibility:
    Available in all states, besides MS and NV
  • Customer service:
    Email, cellphone, chat
  • Soft credit test:
    Yes
  • Loan servicer:
    FirstMark
  • Max. undergraduate loan stability:
    $500,000
  • Max. graduate loan stability:
    $500,000
  • Offers Parent PLUS refinancing:
    Yes
  • Min. revenue:
    $65,000 (for 15- and 20-year merchandise)


Credible Rating


Credible lender scores are evaluated by our editorial crew with the assistance of our loan operations crew. The score standards for lenders embody 78 knowledge factors spanning rates of interest, loan phrases, eligibility requirement transparency, compensation choices, charges, reductions, customer support, cosigner choices, and extra. Read our full methodology.


2.96%+5

2.77%+5
5, 10, 15, 20 $1,000 to $250,000
  • Fixed APR:

    2.96%+5
  • Variable APR:

    2.77%+5
  • Min. credit rating:
    700
  • Loan quantity:
    $7,500 to $200,000
  • Loan phrases (years):
    5, 10, 15, 20
  • Repayment choices:
    Immediate compensation, educational deferment, forbearance, loans discharged upon dying or incapacity
  • Fees:
    None
  • Discounts:
    Autopay
  • Eligibility:
    Must be a U.S. citizen or everlasting resident and submit two private references
  • Customer service:
    Email, cellphone
  • Soft credit test:
    Yes
  • Cosigner launch:
    After 36 months
  • Loan servicer:
    Granite State Management & Resources (GSM&R)
  • Max. Undergraduate Loan Balance:
    $150,000 to $249,000
  • Max. Graduate Loan Balance:
    $150,000 to $199,000
  • Offers Parent PLUS Refinancing :
    Yes


Credible Rating


Credible lender scores are evaluated by our editorial crew with the assistance of our loan operations crew. The score standards for lenders embody 78 knowledge factors spanning rates of interest, loan phrases, eligibility requirement transparency, compensation choices, charges, reductions, customer support, cosigner choices, and extra. Read our full methodology.


2.47%+3

1.86%+3
5, 7, 10, 12, 15, 20 $15,000 to $250,000
  • Fixed APR:

    2.47%+3
  • Variable APR:

    1.86%+3
  • Min. credit rating:
    680
  • Loan quantity:
    $15,000 to $250,000
  • Loan phrases (years):
    5, 7, 10, 12, 15, 20
  • Repayment choices:
    Forbearance
  • Fees:
    None
  • Discounts:
    None
  • Eligibility:
    Must be a U.S. citizen or everlasting resident, have no less than $15,000 in student loan debt, and have a bachelor’s diploma or greater from an authorized college
  • Customer service:
    Email, cellphone
  • Soft credit test:
    Yes
  • Cosigner launch:
    No
  • Loan servicer:
    Mohela
  • Max. Undergraduate Loan Balance:
    $250,000
  • Max. Graduate Loan Balance:
    $250,000
  • Offers Parent PLUS Refinancing:
    Yes


Credible Rating


Credible lender scores are evaluated by our editorial crew with the assistance of our loan operations crew. The score standards for lenders embody 78 knowledge factors spanning rates of interest, loan phrases, eligibility requirement transparency, compensation choices, charges, reductions, customer support, cosigner choices, and extra. Read our full methodology.


3.47%+4

2.44%+4
5, 10, 15, 20 $5,000 – $250,000
  • Fixed APR:

    3.47%+4
  • Variable APR:

    2.44%+4
  • Min. credit rating:
    670
  • Loan quantity:
    $5,000 to $250,000
  • Loan phrases (years):
    5, 10, 15, 20
  • Repayment choices:
    Academic deferment, army deferment, forbearance
  • Fees:
    Late payment
  • Discounts:
    Autopay
  • Eligibility:
    Must be U.S. citizen or everlasting resident
  • Customer service:
    Email, cellphone, chat
  • Soft credit test:
    Yes
  • Cosigner launch:
    Yes
  • Max undergraduate loan stability:
    $250,000
  • Max graduate loan stability:
    $250,000
  • Offers Parent PLUS refinancing:
    Yes


Credible Rating


Credible lender scores are evaluated by our editorial crew with the assistance of our loan operations crew. The score standards for lenders embody 78 knowledge factors spanning rates of interest, loan phrases, eligibility requirement transparency, compensation choices, charges, reductions, customer support, cosigner choices, and extra. Read our full methodology.


2.44%+

7 N/A 5, 7, 10, 12, 15, 20 Up to $300,000
  • Fixed APR:

    2.44%+

    7
  • Variable APR:
    N/A
  • Min. credit rating:
    670
  • Loan quantity:
    Up to $300,000
  • Loan phrases (years):
    5, 7, 10, 15, 20
  • Time to fund:
    Usually one enterprise day
  • Repayment choices:
    Academic deferral, army deferral, forbearance, dying/incapacity discharge
  • Fees:
    None
  • Discounts:
    Autopay
  • Eligibility:
    Available in all 50 states
  • Customer service:
    Email, cellphone
  • Soft credit test:
    Yes
  • Cosigner launch:
    After 24 months
  • Max. undergraduate loan stability:
    $300,000
  • Max. graduate stability:
    $300,000
  • Offers Parent PLUS loans:
    Yes
  • Min. revenue:
    None


Credible Rating


Credible lender scores are evaluated by our editorial crew with the assistance of our loan operations crew. The score standards for lenders embody 78 knowledge factors spanning rates of interest, loan phrases, eligibility requirement transparency, compensation choices, charges, reductions, customer support, cosigner choices, and extra. Read our full methodology.


2.49%+

1.9%+
5, 7, 10, 15 Up to $300,000
  • Fixed APR:

    2.49%+
  • Variable APR:

    1.9%+
  • Min. credit rating:
    700
  • Loan quantity:
    $5,000 to $300,000
  • Loan phrases (years):
    5, 7, 10, 15
  • Max. undergraduate Loan Balance:
    $125,000
  • Time to Fund:
    10 to 30 days
  • Repayment choices:
    Immediate compensation, forbearance
  • Fees:
    Late payment
  • Discounts:
    Autopay
  • Eligibility:
    Must be a U.S. citizen or everlasting resident and have already graduated with no less than an affiliate diploma from an eligible establishment
  • Customer service:
    Email, cellphone
  • Soft credit test:
    Yes
  • Cosigner launch:
    After 12 months
  • Loan servicer:
    LendKey Technologies Inc.
  • Max. graduate Loan Balance:
    $175,000
  • Credible Review:
    LendKey Student Loans evaluation
  • Offers Parent PLUS Refinancing:
    No


Credible Rating


Credible lender scores are evaluated by our editorial crew with the assistance of our loan operations crew. The score standards for lenders embody 78 knowledge factors spanning rates of interest, loan phrases, eligibility requirement transparency, compensation choices, charges, reductions, customer support, cosigner choices, and extra. Read our full methodology.


2.5%+
N/A 7, 10, 15 $10,000 as much as the entire quantity of certified schooling debt
  • Fixed APR:

    2.5%+
  • Variable APR:
    N/A
  • Min. credit rating:
    670
  • Loan quantity:
    $10,000 as much as the entire quantity
  • Loan phrases (years):
    7, 10, 15
  • Repayment choices:
    Military deferment, loans discharged upon dying or incapacity
  • Fees:
    None
  • Discounts:
    None
  • Eligibility:
    Must be a U.S. citizen or everlasting resident and have no less than $10,000 in student loans
  • Customer service:
    Email, cellphone
  • Soft credit test:
    Yes
  • Cosigner launch:
    No
  • Loan servicer:
    AES
  • Max. Undergraduate Loan Balance:
    No most
  • Max. Gradaute Loan Balance:
    No most
  • Offers Parent PLUS Refinancing:
    Yes


Credible Rating


Credible lender scores are evaluated by our editorial crew with the assistance of our loan operations crew. The score standards for lenders embody 78 knowledge factors spanning rates of interest, loan phrases, eligibility requirement transparency, compensation choices, charges, reductions, customer support, cosigner choices, and extra. Read our full methodology.


2.89%+
N/A 5, 8, 12, 15 $7,500 to $300,000
  • Fixed APR:

    2.89%+
  • Variable APR:
    N/A
  • Min. credit rating:
    670
  • Loan quantity:
    $7,500 to $300,000
  • Loan phrases (years):
    5, 8, 12, 15
  • Repayment choices:
    Does not disclose
  • Fees:
    None
  • Discounts:
    None
  • Eligibility:
    Must be a U.S. citizen and have and no less than $7,500 in student loans
  • Customer service:
    Email, cellphone, chat
  • Soft credit test:
    Yes
  • Cosigner launch:
    After 12 months
  • Loan servicer:
    PenFed
  • Max. Undergraduate Loan Balance:
    $300,000
  • Max. Graduate Loan Balance:
    $300,000
  • Offers Parent PLUS Refinancing:
    Yes


Credible Rating


Credible lender scores are evaluated by our editorial crew with the assistance of our loan operations crew. The score standards for lenders embody 78 knowledge factors spanning rates of interest, loan phrases, eligibility requirement transparency, compensation choices, charges, reductions, customer support, cosigner choices, and extra. Read our full methodology.


2.69%+
N/A 5, 10, 15 $7,500 as much as $250,000
(relying on highest diploma earned)
  • Fixed APR:

    2.69%+
  • Variable APR:
    N/A
  • Min. credit rating:
    680
  • Loan quantity:
    $7,500 to $250,000
  • Loan phrases (years):
    5, 10, 15
  • Repayment choices:
    Academic deferment, army deferment, forbearance, loans discharged upon dying or incapacity
  • Fees:
    None
  • Discounts:
    Autopay
  • Eligibility:
    Available in all 50 states; should even have no less than $7,500 in student loans and a minimal revenue of $40,000
  • Customer service:
    Email, cellphone
  • Soft credit test:
    Does not disclose
  • Cosigner launch:
    No
  • Loan servicer:
    Rhode Island Student Loan Authority
  • Max. Undergraduate Loan Balance:
    $150,000 – $249,000
  • Max. Graduate Loan Balance:
    $200,000 – $249,000
  • Offers Parent PLUS Refinancing:
    Yes


Credible Rating


Credible lender scores are evaluated by our editorial crew with the assistance of our loan operations crew. The score standards for lenders embody 78 knowledge factors spanning rates of interest, loan phrases, eligibility requirement transparency, compensation choices, charges, reductions, customer support, cosigner choices, and extra. Read our full methodology.


2.49%+

6
1.74%+

6 5, 7, 10, 15, 20 $5,000 as much as the total stability of your certified schooling loans
  • Fixed APR:

    2.49%+

    6
  • Variable APR:

    1.74%+

    6
  • Min. credit rating:
    Does not disclose
  • Loan quantity:
    $5,000 as much as the total stability
  • Loan phrases (years):
    5, 7, 10, 15, 20
  • Repayment choices:
    Academic deferment, army deferment
  • Fees:
    None
  • Discounts:
    Autopay, loyalty
  • Eligibility:
    Available in all 50 states
  • Customer service:
    Email, cellphone, chat
  • Soft credit test:
    Yes
  • Cosigner launch:
    No
  • Max undergraduate loan stability:
    No most
  • Max graduate loan stability:
    No most
  • Offers Parent PLUS refinancing:
    Yes
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