Our private loan reviews compare lenders on the terms that matter most to graduate and professional students.
What we look at
- Fixed and variable APR ranges as published by the lender, with the date we checked them
- Autopay and other discounts, and whether the quoted range already includes them
- Borrowing limits per year and in total, including profession-specific products
- Cosigner requirements and cosigner release
- In-school payment options, grace period, and residency or fellowship deferment
- Forbearance, death and disability discharge, and hardship options
- Fees, if any
How we get the data
We use each lender’s official rate and terms pages. Where possible we complete a soft-credit prequalification with a test profile and keep dated screenshots. We recheck rates every month.
What we do not do
We do not take loan applications or collect your financial data. We do not promise approval or a specific rate. Your rate depends on your credit and the lender’s decision.
What you give up
Every review explains what you lose by moving from federal to private loans, such as Public Service Loan Forgiveness, income-driven repayment and federal deferment options.