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So Fi borrowers are called members and get access to exclusive events, career coaches, wealth management services and more.Education Loan Finance, or ELFI, offers fixed rates starting at 3.09 percent, making them one of the lowest interest rate refinance options available today, depending on your credit.Lend Key operates in all but five states (Maine, North Dakota, Nevada, Rhode Island and West Virginia) for borrowers with a credit score of 680 or above.You’ll need a minimum ,000 per year income to qualify, but if you run into trouble with money you can tap into up to 18 months of unemployment protection and four years of interest only payments.
The second reason to consolidate is to lower and simplify your monthly payments.
While there is no minimum credit score, most approved borrowers have good or excellent credit.
So Fi operates in all 50 states and offers loans from ,000. So Fi offers competitive low rates, currently starting at 3.899 percent with automatic payments.
You’ll need a 680 credit score or better and ,000 annual income to qualify, but if you do qualify you may get the best interest rate around.
Coupled with no fees and up to 12 months of forbearance due to economic hardship, you can’t go wrong at ELFI.