Best Income Based Repayment

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Rankings are calculated based on verified user reviews, recency of updates, and community voting weighted by user reputation score.

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Best 1 Earnest
Earnest

Earnest focuses on borrowers with a strong financial profile, often graduate students or professionals. They utilize a holistic underwriting process, considering factors beyond just credit score, such...

9.0 Excellent
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2 Earnest Student Loan Refinancing
Earnest Student Loan Refinancing

Earnest differentiates itself by considering factors beyond just credit score, such as savings rate and employment history, for rate determination. This can benefit borrowers with strong financial pro...

8.9 Very Good
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3 Earnest Student Loans
Earnest Student Loans

Earnest uses a data-driven approach to assess loan eligibility and offer personalized interest rates. They provide private student loans for undergraduate and graduate students, focusing on borrowers...

8.7 Very Good
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4 Fig Loans - Student Loan Refinancing
Fig Loans - Student Loan Refinancing

Fig Loans caters to borrowers with limited credit history, offering refinancing options with a co-signer option. They use alternative credit data to assess eligibility. Loan amounts range from $3,000...

7.4 Good
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5 Kiavi Student Loans
Kiavi Student Loans

Kiavi (formerly Sallie Mae Graduate Solutions) provides private student loans and refinancing options, specializing in graduate student loans. They offer income-based repayment options and flexible pa...

6.7 Fair
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