Listen to the podcast - Student Loan Planner (2023)

Disclosure of Lenders and Bonuses

All prices listed represent the APR range.common connection:If you refinance more than $100,000 through this site, Student Loan Planner will provide you with $500 of the above cash bonus directly.

CommonBond Disclosures: Refinancing

The terms and conditions offered are subject to change and restrictions by state law. Loans are offered by CommonBond Lending, LLC (NMLS #1175900), NMLS Consumer Access. If you are approved for a loan, the interest rate offered depends on your credit profile, your application and the loan term chosen and is within the interest rate ranges shown. If you choose to complete an application, we will make a strict credit application that may affect your credit score. All APRs shown assume borrowers opt-in to AutoPay and represent the 0.25% interest rate cut. All variable interest rates are based on an assumed 1 month LIBOR of 0.15% effective January 1, 2018. January 2021 and may increase after completion.

CommonBond Disclosures: Private Loans in School

The terms and conditions offered are subject to change and restrictions by state law. Loans are offered by CommonBond Lending, LLC (NMLS #1175900), NMLS Consumer Access. If you are approved for a loan, the interest rate offered depends on your credit profile, your application and the loan term chosen and is within the interest rate ranges shown. If you choose to complete an application, we will make a strict credit application that may affect your credit score. All APRs shown assume borrowers opt-in to AutoPay and represent the 0.25% interest rate cut. All variable interest rates are based on an assumed 1 month LIBOR of 0.15% effective January 1, 2018. January 2021 and may increase after completion.

Student Loan Planner® Publications

Upon disbursement of an Eligible Loan, the Borrower must notify Student Loan Planner® that an Eligible Loan has been refinanced through the Website, as the Lender does not provide the Borrower's name or contact information. Borrowers must fill out theRefinance Bonus Request Formto claim a bonus offer. Student Loan Planner® will confirm loan eligibility and, upon confirmation of an eligible refinance, will send an E-Gift Card valued at within 14 business days of the last day of the month in which Student Loan Planner has confirmed that the qualifying loan is eligible $500 via email. ®.If a borrower does not claim the Student Loan Planner® bonus within six months of the loan being disbursed, the borrower's entitlement to the bonus is forfeited.The bonus amount depends on the total loan amount paid out. This offer does not apply to borrowers who have previously received a Student Loan Planner® refund.

Disclosure of Lenders and Bonuses

THIS IS AN AD. YOU DO NOT HAVE TO MAKE A PAYMENT OR PERFORM ANY OTHER ACTION ON THIS OFFER.

Ernst:$1,000 for $100,000 or more, $200 for $50,000 at $99,999.99. If you refinance $100,000 or more for Earnest through this site, Student Loan Planner will provide you with $500 of the $1,000 Cash Bonus directly. The above fees include an optional 0.25% discount for automatic payments.

Disclosure of Serious Bonus Offers:

Terms and Conditions apply. To qualify for this Earnest bonus offer: 1) You must not be a current Earnest customer or have received the bonus in the past, 2) You must submit a completed Student Loan Refinance Application using the Student Loan Planner® link provided ; 3) You must provide a valid email address and checking account number during the application process; and 4) your loan must be fully paid off.

Receive a $1,000 bonus when you refinance $100,000 or more, or a $200 bonus when you refinance from $50,000 to $99,999.99. For the $1,000 welcome bonus offer, Student Loan Planner® pays $500 directly through Giftly. Earnest automatically deposits $500 into your checking account after the final payout. For the $200 Welcome Bonus offer, Earnest will automatically transfer the $200 bonus to your checking account after final payment. There is a limit of one bond per borrower. This offer does not apply to current Earnest customers refinancing their existing Earnest loans, customers who have previously received bonuses or other bonus offers from Earnest through this or any other channel. Bonus cannot be awarded to residents of KY, MA or MI.

Interest Rate Disclosure

The actual interest rate and payment terms available will vary based on your income. Flat rates range from 4.64% APR to 9.24% APR (excluding the 0.25% autopay rebate). The variable interest rates range from 4.64% APR to 9.19% APR (excluding the 0.25% autopay rebate). Earnest's Adjustable Rate Student Loan Refinance Loans are based on a publicly available index, the 30-Day Guaranteed Average Overnight Loan Rate published by the Federal Reserve Bank of New York. The floating rate is based on the published rate on the 25th or next business day of the preceding calendar month, rounded to the nearest hundredth of one percent. The rate will not increase more than once a month. The maximum interest rate on your loan is 8.95% if your loan term is 10 years or less. For loan terms longer than 10-15 years, the interest rate never exceeds 9.95%. For loans with a term longer than 15 years, the interest rate never exceeds 11.95%. Please note that we cannot offer adjustable rate loans in AK, IL, MN, NH, OH, TN and TX. Our lowest interest rates are available only to our most creditworthy borrowers and include our 0.25% rebate for automatic payments from a checking or savings account.

Disclosure of Automatic Payment Discount

You can take advantage of the interest rate reduction on automatic payment by setting up and keeping active automatic ACH payout for your loan payment. The Autopay interest rebate is only available while your loan is enrolled in Autopay. Interest rate incentives for using Autopay cannot be combined with certain private student loan repayment programs that also offer an interest rate reduction. For multi-party loans, only one party can apply for Auto Pay.

Ignore a payment disclosure

Serious customers can skip a payment every 12 months. Your first request to skip a payment can be made after you have made at least 6 consecutive months of on-time payments and your loan is current. Interest accrued during the skipped month will result in an increase in the remaining minimum payment. The final due date of your loan is extended by the duration of the missed payment deadlines. Remember that a missed payment counts towards your tolerance limits. Please note that a missed payment is not guaranteed and is at Earnest's discretion. Deferring payments and extending the term can increase your monthly payment and the total cost of the loan.

Examples of student loan refinancing costs

These examples provide estimates based on payments initiated immediately after loan disbursement. Variable APR: A $10,000 loan with a 20-year term (240 monthly payments of $72) and an APR of 5.89% would result in an estimated total payment of $17,042.39. With an adjustable loan, once you set your starting interest rate, your interest rate will vary depending on the market. Fixed APR: A $10,000 loan with a 20-year term (240 monthly payments of $72) and an APR of 6.04% would result in an estimated total payment of $17,249.77. Your actual payment terms may vary. Terms and Conditions apply. Visit https://www.earnest. com/terms-of-service, email us at hello@earnest.com or call 888-601-2801 to learn more about our student loan refinance product.

Examples of borrowing costs for student loan origination

These examples provide estimates based on the deferred payment option, which means you will not make any payments while you are enrolled in school and during the subsequent 9 billing cycle. Variable APR: A $10,000 loan with a term of 15 years (180 monthly payments of $157.12) and an APR of 11.69% would result in an estimated total payment of $21,290.40. With an adjustable loan, once you set your starting interest rate, your interest rate will vary depending on the market. Fixed APR: A $10,000 loan with a 15-year term (180 monthly payments of $173.51) and an APR of 13.03% would result in an estimated total payment of $22,827.79. Your actual payment terms may vary.

Earnest Loans are granted by Earnest Operations LLC or One American Bank, Member FDIC. Earnest Operations LLC, NMLS # 1204917. 535 Mission St., Suite 1663, San Francisco, CA 94105. California Finance Act License 6054788. Visit earest.com/licenses for a complete list of licensed states. For California residents (student loan refinancing only): Loans are arranged or made under a California Financing Act license.

One American Bank, 515 S. Minnesota Ave, Sioux Falls, SD 57104. Secured loans are administered by Earnest Operations LLC with assistance from Navient Solutions LLC (NMLS #212430). One American Bank and Earnest LLC and their affiliates are not sponsored by or any agency in the United States of America.

© 2021 Ernest LLC. All rights reserved.

Student Loan Planner® Bonus Disclosure:

Upon disbursement of an Eligible Loan, the Borrower must notify Student Loan Planner® that an Eligible Loan has been refinanced through the Website, as the Lender does not provide the Borrower's name or contact information. Borrowers must fill out theRefinance Bonus Request Formto claim a bonus offer. Student Loan Planner® will confirm loan eligibility and, upon confirmation of an eligible refinance, will send an E-Gift Card valued at within 14 business days of the last day of the month in which Student Loan Planner has confirmed that the qualifying loan is eligible $500 via email. ®.If a borrower does not claim the Student Loan Planner® bonus within six months of the loan being disbursed, the borrower's entitlement to the bonus is forfeited.The bonus amount depends on the total loan amount paid out. This offer does not apply to borrowers who have previously received a Student Loan Planner® refund.

Disclosure of Lenders and Bonuses

Way of the laurel:If you refinance more than $250,000 through our link and Student Loan Planner receives a credit, you will receive a $500 cash bonus directly from Student Loan Planner. If you are a member of a professional association, Laurel Road may offer you the option of an interest rebate or the $300, $500, or $750 cash bonus mentioned above. Laurel Road offers are not combinable. The above fees include an optional 0.25% discount for automatic payments.

Disclosure of Laurel Road Bonus Offer:

Prices from 01/30/23. Price changes reserved. Terms and Conditions apply. All products are subject to credit approval.Laurel Road revelations. To qualify for this Laurel Road welcome bonus offer: 1) you must not be a current Laurel Road customer or have received the bonus in the past; 3) You must provide a valid email address and checking account number during the application process; and 4) your loan must be fully paid off. If a borrower is eligible because of membership in a professional association and elects to accept a special rate offer, the borrower is not eligible for the Laurel Road Cash Bonus. However, the borrower may still be eligible for the Student Loan Planner® Bonus if he or she qualifies under the “Student Loan Planner® Bonus Disclosure Conditions below”. If you opt into the bonus offer, you will receive a $1,050 bonus if you refinance $100,000 or more, or a $300 bonus if you refinance from $50,000 to $99,999.99. For the $1,050 welcome bonus offer, Student Loan Planner® pays $500 directly through Giftly. Laurel Road will automatically deposit $550 into your checking account after the final payout. For the $300 Welcome Bonus offer, Laurel Road will automatically deposit the $300 bonus into your checking account after your final payment. There is a limit of one bond per borrower. This offer is not applicable to existing Laurel Road customers who are refinancing their existing Laurel Road loans, customers who have previously received a bonus, or any other bonus offer received by Laurel Road through this or any other channel.

You can take advantage of the interest rate reduction on automatic payment by setting up and keeping active automatic ACH payout for your loan payment. The Autopay interest rebate is only available while your loan is enrolled in Autopay. Interest rate incentives for using Autopay cannot be combined with certain private student loan repayment programs that also offer an interest rate reduction. For multi-party loans, only one party can apply for Auto Pay

Student Loan Planner® Bonus Disclosure

Upon disbursement of an Eligible Loan, the Borrower must notify Student Loan Planner® that an Eligible Loan has been refinanced through the Website, as the Lender does not provide the Borrower's name or contact information. Borrowers must fill out theRefinance Bonus Request Formto claim a bonus offer. Student Loan Planner® will confirm loan eligibility and, upon confirmation of an eligible refinance, will send an E-Gift Card valued at within 14 business days of the last day of the month in which Student Loan Planner has confirmed that the qualifying loan is eligible $500 via email. ®.If a borrower does not claim the Student Loan Planner® bonus within six months of the loan being disbursed, the borrower's entitlement to the bonus is forfeited.The bonus amount depends on the total loan amount paid out. This offer does not apply to borrowers who have previously received a Student Loan Planner® refund.

Disclosure of Lenders and Bonuses

Element:If you refinance more than $150,000 through this site, Student Loan Planner will provide you with $500 of the above cash bonus directly.

To begin the Student Loan Planner® Enrollment Bonus qualification process, customers must apply using the link provided at https://www.elfi.com/student-loan-planner. Clients who are approved and complete a loan receive the $300-$775 bonus through a reduction in the principal of their Education Loan Financing loan when the loan is paid off. The bonus amount depends on the total loan amount paid out. To receive this bonus, customers must complete and submit a W9 form with all required documents. Taxes are the sole responsibility of the recipient. There is a limit of one bond per borrower. This offer is not applicable to current ELFI customers refinancing their existing ELFI loans, customers who have previously received bonuses, or any other bonus offers received by ELFI through this or any other channel. If the candidate was referred with the referral bonus, they will not receive the bonus granted by the referring party. If the candidate becomes an ELFI customer, he can participate in the recommendation bonus by becoming a referral party. Additional terms and conditions apply.

For the $1,275 bonus associated with refinancing at least $150,000, Student Loan Planner® will provide $500 of the bonus via Giftly, which can be redeemed as a deposit into your bank account or PayPal account. Upon disbursement of an Eligible Loan, the Borrower must notify Student Loan Planner® that an Eligible Loan has been refinanced through the Website, as the Lender does not provide the Borrower's name or contact information. Borrowers must fill out theRefinance Bonus Request Formto claim a bonus offer. Student Loan Planner® will confirm loan eligibility and, upon confirmation of an eligible refinance, will send an E-Gift Card valued at within 14 business days of the last day of the month in which Student Loan Planner has confirmed that the qualifying loan is eligible $500 via email. ®.If a borrower does not claim the Student Loan Planner® bonus within six months of the loan being disbursed, the borrower's entitlement to the bonus is forfeited.The bonus amount depends on the total loan amount paid out. This offer does not apply to borrowers who have previously received a Student Loan Planner® refund.

welcome disclosure

See disclaimer below:https://www.splashfinancial.com/disclaimers/

Splash Financial, Inc. (NMLS #1630038), licensed by the DFPI under the California Financing Act, License #60DBO-102545

general disclosure

Terms and Conditions apply. Loan or savings calculators are provided for your own use and the results are based on the information you provide. The results of this calculator are for illustrative purposes only and do not guarantee accuracy. Actual payments and amounts may vary. Splash Financial loans are available through agreements with lending partners. Your credit application will be submitted to the credit partner and evaluated at their sole discretion. For loans where a credit union is the lender or buyer of the loan, you must become a member of a credit union to refinance your loans. The Splash Student Loan Refinance Program is not offered or sponsored by any college or university. Neither Splash Financial nor the lending partner is affiliated with or endorsed by any college or university listed on this site.You need to check your state student loan performance; may provide specific benefits that a personal refinance/consolidation loan may not provide.. If you work in the public sector, are in the military, or receive a federal assistance program such as earnings-related pay or benefit waivers, you may not want to refinance because these benefits do not carry over to private refinancing. . /Consolidation loan. Splash Financial and our lending partners reserve the right to change or discontinue products and benefits at any time without notice. To qualify, the borrower must be a US citizen and meet our lending partner's underwriting requirements. The lowest interest rates are reserved for the most qualified borrowers. Products may not be available in all states. The information provided is advice to determine whether Splash's lending partners are able to provide you with an offer of credit, but does not guarantee that you will receive an offer of credit. Unless you use the specific link on this site, offers on the Splash site may include offers from lending partners with higher interest rates. This information is current as of February 1, 2023.

Prices are subject to change without notice. Not all applicants are eligible for the lower rate. Lower rates are reserved for applicants with higher credit ratings and depend on creditworthiness, loan tenure, and other factors. Lower tariffs may require a 0.25% autopay rebate.

Fixed Annual Percentage Rate: The Annual Percentage Rate (APR) is the cost of borrowing that calculates the interest rate, loan amount, payback period, and payment time. Flat fee options range from 4.47% (no automatic payment) to 9.24% (no automatic payment) and vary based on application requirements, grade level, and the presence of a co-signer.

Variable Annual Percentage Rate: The Annual Percentage Rate (APR) is the cost of borrowing that calculates the interest rate, loan amount, payback period, and payment term. Variable rate options range from 4.47% (with automatic payment) to 9.24% (without automatic payment) and vary based on application requirements, educational level and the presence of a co-signer. Floating interest rates are determined by adding a margin, rounded to the nearest hundredth of one percent (0.01% or 0.0001), to the 30-day moving average SOFR index published two business days prior to this calendar month becomes.

Disclosure of accounts payable and discounts

Chapoteo:If you refinance more than $100,000 through this site, Student Loan Planner will provide you with $500 of the above cash bonus directly. The lowest rates are shown with a 0.25% autopay discount.welcome announcements.

To begin the Student Loan Planner® Enrollment Bonus qualification process, customers must apply using the link provided. Clients who are approved and complete a loan will receive the $300-$500 bonus through Splash Financial. The bonus amount depends on the total loan amount paid out. There is a limit of one bond per borrower. This offer does not apply to current Splash customers refinancing their existing Splash loans, customers who have previously received a bonus, or any other bonus offers Splash has received through this or any other channel. If the candidate was referred with the referral bonus, they will not receive the bonus granted by the referring party. Additional terms and conditions apply.

For the $1,000 bonus associated with refinancing at least $100,000, Student Loan Planner® will provide $500 of the bonus via Giftly, which can be redeemed as a deposit into your bank account or PayPal account. Upon disbursement of an Eligible Loan, the Borrower must notify Student Loan Planner® that an Eligible Loan has been refinanced through the Website, as the Lender does not provide the Borrower's name or contact information. Borrowers must fill out theRefinance Bonus Request Formto claim a bonus offer. Student Loan Planner® will confirm loan eligibility and, upon confirmation of an eligible refinance, will send an E-Gift Card valued at within 14 business days of the last day of the month in which Student Loan Planner has confirmed that the qualifying loan is eligible $500 via email. ®.If a borrower does not claim the Student Loan Planner® bonus within six months of the loan being disbursed, the borrower's entitlement to the bonus is forfeited.The bonus amount depends on the total loan amount paid out. This offer does not apply to borrowers who have previously received a Student Loan Planner® refund.

Disclosure of Lenders and Bonuses

Sofi:If you refinance $100,000 or more through this site, Student Loan Planner will provide $500 of the $1,000 cash bonus directly. Flat rate pricing ranges from 4.49% APR to 8.99% APR with a 0.25% autopay rebate. Variable interest rates from 5.09% APR up to 8.99% APR with a 0.25% discount for automatic payment. Unless lower by applicable law, floating interest rates for 5, 7 and 10 year maturities are capped at 8.95% APR; The terms of 15 and 20 years are capped at 9.95% APR. Your actual rate will be within the rate ranges listed above and will depend on the term you choose, your credit rating, income, the presence of a co-signer and a variety of other factors. Lower interest rates are reserved for the most reliable borrowers. For the SoFi Floating Rate Product, the Floating Rate for a given month is determined by adding a margin to the 30-day average SOFR Index published two business days prior to that calendar month, rounded to the nearest hundredth of one percent. (0.01% or 0.0001). The APR on adjustable rate loans may increase after origination as SOFR increases. SoFi's 0.25% Autopay interest rate reduction requires you to agree to make monthly principal and interest payments by automatically debiting a monthly checking or savings account. This benefit will be suspended and lost for periods when you do not pay by direct debit from your checking or savings account. The benefit reduces your interest rate but does not change the size of your monthly payment. This benefit is suspended during the deferral and grace periods. No automatic payment is required to receive a SoFi loan. SoFi Refinance Loans are private loans and do not have the same repayment options as the federal loan program, or they may be available as income-tested repayment or income-tested repayment or PAYE. SoFi Loans are issued by SoFi Lending Corp. or an affiliate (dba SoFi), a lender licensed by the Department of Financial Protection and Innovation under the California Financing Act, License No. 6054612; NMLS #1121636 (www.nmlsconsumeraccess.org). Additional terms and conditions apply; See SoFi.com/eligibility for details. SOFI RESERVES THE RIGHT TO CHANGE OR DISCONTINUE PRODUCTS AND ADVANTAGES AT ANY TIME WITHOUT PRIOR NOTICE.

Fare Equivalence Guarantee Disclosure

Receive $100 when you fund a student loan refinance offered by SoFi Lending Corp. The $100 bonus is not available to OH residents. The rate match applies to personal student loan refinancing products only and is applicable without any discounts. Eligible documentation for a competitor's current rate offering issued within 30 days of your pre-qualified SoFi rate will be determined in SoFi's sole discretion and must be of the same credit amount and repayment terms. Lower interest rates are reserved for the most reliable borrowers. Applicable where prohibited by law. See sofi.com/refinance-student-loan/#guaranteed-rate-match for full terms and conditions. SoFi reserves the right to change or discontinue at any time without prior notice. Additional terms and conditions apply; see SoFi.com/eligibility. CFL#6054612, NMLS#1121636 (nmlsconsumeraccess.org)

Student Loan Planner® Bonus Disclosure

Upon disbursement of an Eligible Loan, the Borrower must notify Student Loan Planner® that an Eligible Loan has been refinanced through the Website, as the Lender does not provide the Borrower's name or contact information. Borrowers must fill out theRefinance Bonus Request Formto claim a bonus offer. Student Loan Planner® will confirm loan eligibility and, upon confirmation of an eligible refinance, will send an E-Gift Card valued at within 14 business days of the last day of the month in which Student Loan Planner has confirmed that the qualifying loan is eligible $500 via email. ®.If a borrower does not claim the Student Loan Planner® bonus within six months of the loan being disbursed, the borrower's entitlement to the bonus is forfeited.The bonus amount depends on the total loan amount paid out. This offer does not apply to borrowers who have previously received a Student Loan Planner® refund.

Disclosure of Lenders and Bonuses

Credible:If you refinance more than $100,000 through this site, Student Loan Planner will provide you with $500 of the above cash bonus directly.

To begin qualifying for the Student Loan Planner® Enrollment Bonus, customers must apply through the link on www.credible.com.

The bonus amount depends on the total loan amount paid out. To receive this bonus, customers must complete and submit a W9 form with all required documents. Taxes are the sole responsibility of the recipient. A customer is only eligible to receive the bonus once. New applicants are only eligible for a bonus. Additional terms and conditions apply.

For the $1,250 bonus associated with refinancing at least $100,000, Student Loan Planner® will provide $500 of the bonus via Giftly, which can be redeemed as a deposit into your bank account or PayPal account. Upon disbursement of an Eligible Loan, the Borrower must notify Student Loan Planner® that an Eligible Loan has been refinanced through the Website, as the Lender does not provide the Borrower's name or contact information. Borrowers must fill out theRefinance Bonus Request Formto claim a bonus offer. Student Loan Planner® will confirm loan eligibility and, upon confirmation of an eligible refinance, will send an E-Gift Card valued at within 14 business days of the last day of the month in which Student Loan Planner has confirmed that the qualifying loan is eligible $500 via email. ®.If a borrower does not claim the Student Loan Planner® bonus within six months of the loan being disbursed, the borrower's entitlement to the bonus is forfeited.The bonus amount depends on the total loan amount paid out. This offer does not apply to borrowers who have previously received a Student Loan Planner® refund.

Disclosure of Lenders and Bonuses

Terms and Conditions apply. To qualify for this LendKey bonus offer: 1) you must not be a current LendKey customer or have received the bonus in the past, 2) you must submit a completed Student Loan Refinance Form via the designated Student Loan Planner® link; 3) You must provide a valid email address and checking account number during the application process; and 4) your loan must be fully paid off.

Receive a $1,250 bonus when you refinance $150,000 or more, or a $100 to $400 bonus when you refinance $20,000 to $149,999.99, depending on the amount refinanced. For the $1,250 welcome bonus offer, Student Loan Planner® pays $500 directly through Giftly. LendKey will automatically deposit $750 into your checking account after the final payout. For the $100-$400 welcome bonus offer, LendKey will automatically deposit the $100-$400 bonus into your checking account upon final payment. There is a limit of one bond per borrower. This offer is not applicable to current LendKey customers refinancing their existing LendKey loans, customers who have previously received bonuses, or any other bonus offers LendKey has received through this or any other channel. Bonus cannot be awarded to residents of KY, MA or MI.

Upon disbursement of an Eligible Loan, the Borrower must notify Student Loan Planner® that an Eligible Loan has been refinanced through the Website, as the Lender does not provide the Borrower's name or contact information. Borrowers must fill out theRefinance Bonus Request Formto claim a bonus offer. Student Loan Planner® will confirm loan eligibility and, upon confirmation of an eligible refinance, will send an E-Gift Card valued at within 14 business days of the last day of the month in which Student Loan Planner has confirmed that the qualifying loan is eligible $500 via email. ®.If a borrower does not claim the Student Loan Planner® bonus within six months of the loan being disbursed, the borrower's entitlement to the bonus is forfeited.The bonus amount depends on the total loan amount paid out.

discover disclosures

The lowest APR shown on Discover student loans is available to the most creditworthy college student loan applicants and includes aonly interestAmortization discount 0.25% interest reduction during registration for automatic payments.

Interest rates represent the lowest and highest interest rates offered on Discover student loans, including student loans for undergraduate, graduate, health, law, and MBA students. The lowest reported APRs on home equity, legal, personal consolidation and parenting loans are available to the most creditworthy applicants and include a 0.25% interest rate reduction while signed up for automatic payments.

The fixed interest rate is set at the time of application and does not change during the life of the loan. The variable interest rate is calculated based on the 3-month LIBOR rate plus the applicable margin percentage. For floating rate loans, the 3-month LIBOR is 0.250% from January 1, 2021. Discover Student Loans may adjust the interest rate quarterly on January 1st, April 1st, July 1st and October 1st (the "Interest Rate Change Date") based on the 3-month LIBOR Index as of the 15 days prior published in the Wall Street Journal's "Money Rates" column on the date of the interest rate change, rounded to the nearest eighth of a percent (0.125% or 0.00125), which may cause monthly payments, the number of payments, or increase both.

Our lowest APR is only available to customers with the best credit ratings and other factors. Your annual percentage rate will be calculated after you register. It is based on your credit history, the payment option you have chosen and other factors, including your sponsor's credit history (if applicable). Learn more about Discover Student Loans interest rates at DiscoverStudentLoans.com/Rates.

CommonBond Disclosures: Private Loans in School

The terms and conditions offered are subject to change and restrictions by state law. Loans are offered by CommonBond Lending, LLC (NMLS # 1175900), NMLS Consumer Access (https://www.nmlsconsumeraccess.org/). If you are approved for a loan, the interest rate offered depends on your credit profile, your application and the loan term chosen and is within the interest rate ranges shown. If you choose to complete an application, we will make a strict credit application that may affect your credit score. All APRs shown assume borrowers opt-in to AutoPay and represent the 0.25% interest rate cut. All variable interest rates are based on an assumed 1 month LIBOR of 0.15% effective January 1, 2018. January 2021 and may increase after completion.

Student Loan Planner® Publications

Upon disbursement of an Eligible Loan, the Borrower must notify Student Loan Planner® that an Eligible Loan has been refinanced through the Website, as the Lender does not provide the Borrower's name or contact information. Borrowers must fill out theRefinance Bonus Request Formto claim a bonus offer. Student Loan Planner® will confirm loan eligibility and, upon confirmation of an eligible refinance, will send an E-Gift Card valued at within 14 business days of the last day of the month in which Student Loan Planner has confirmed that the qualifying loan is eligible $500 via email. ®. If a borrower does not claim the Student Loan Planner® bonus within six months of the loan being disbursed, the borrower's entitlement to the bonus is forfeited. The bonus amount depends on the total loan amount paid out. This offer does not apply to borrowers who have previously received a Student Loan Planner® refund.