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According to the 2023 College Ave Student Loans survey, 61% of students shared that inflation has impacted their saving and spending habits — the words “broke” and “stressful” being some of the most commonly associated when students think about their finances.

It doesn’t take a college degree to figure out why. On top of tuition, you have to find cash for room and board, textbooks and supplies, travel and any unexpected costs that might come up. The maximum you’ll be able to borrow using a federal student loan is just $12,500 a year. And for some students, you’ll be maxed out at $5,500 for the year.

That’s where Credible comes in. With a private student loan, you can borrow the extra funds you need to make ends meet stress-free.

Through Credible, you’ll be able to shop around for a great rate by comparing offers from multiple lenders. And with no origination fees, service fees or prepayment penalties, you can be confident in the loan you end up choosing.

And while federal student loans are an excellent way to pay for your education, sometimes they fall a little short.

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Pay less on student loans

Shop around for the best student loan refinancing rates from top lenders using Credible. Using Credible is 100% free – plus, it doesn’t affect your credit score.

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Find out what you qualify for

If you’re not sure if a private loan is the right option for you, there’s no obligation or impact to your credit score just for checking to see what rates you’ll qualify for. Compare rates on Credible from 3.65% - 15.99% APR for fixed rates and 5.09% - 16.33% APR for variable rates.

But if you’ve hit the limit on what you can borrow from the Department of Education, Credible will help ensure you get a great rate on your loan which means you can focus on learning and soaking up the experience of college rather than worrying about what it’ll cost you once you graduate.

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Sigrid Forberg Associate Editor

Sigrid’s is Moneywise.com's associate editor, and she has also worked as a reporter and staff writer on the Moneywise team.

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