Refinance Student Loan rates starting at 2.49% APR
|2.49% to 11.72% 1VARIABLE APR|
|2.50% to 6.30% 2VARIABLE APR|
|4.13% to 7.39% 3VARIABLE APR|
Splash Financial Disclosures
Terms and Conditions apply. Splash reserves the right to modify or discontinue products and benefits at any time without notice. Rates and terms are also subject to change at any time without notice. Offers are subject to credit approval. To qualify, a borrower must be a U.S. citizen or permanent resident in an eligible state and meet applicable underwriting requirements. Not all borrowers receive the lowest rate. Lowest rates are reserved for the highest qualified borrowers. If approved, your actual rate will be within a range of rates and will depend on a variety of factors, including term of loan, a responsible financial history, income and other factors. Refinancing or consolidating private and federal student loans may not be the right decision for everyone. Federal loans carry special benefits not available for loans made through Splash Financial, for example, public service loan forgiveness and economic hardship programs, fee waivers and rebates on the principal, which may not be accessible to you after you refinance. The rates displayed may include a 0.25% autopay discount.
The information you provide to us is an inquiry to determine whether we or our lenders can make a loan offer that meets your needs. If we or any of our lending partners has an available loan offer for you, you will be invited to submit a loan application to the lender for its review. We do not guarantee that you will receive any loan offers or that your loan application will be approved. Offers are subject to credit approval and are available only to U.S. citizens or permanent residents who meet applicable underwriting requirements. Not all borrowers will receive the lowest rates, which are available to the most qualified borrowers. Participating lenders, rates and terms are subject to change at any time without notice.
To check the rates and terms you qualify for, Splash Financial conducts a soft credit pull that will not affect your credit score. However, if you choose a product and continue your application, the lender will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit pull and may affect your credit.
Splash Financial and our lending partners reserve the right to modify or discontinue products and benefits at any time without notice. To qualify, a borrower must be a U.S. citizen and meet our lending partner’s underwriting requirements. Lowest rates are reserved for the highest qualified borrowers. This information is current as of September 6, 2022.
2Important Disclosures for Laurel Road.
Laurel Road Disclosures
All credit products are subject to credit approval.
Laurel Road began originating student loans in 2013 and has since helped thousands of professionals with undergraduate and postgraduate degrees consolidate and refinance more than $9 billion in federal and private school loans. Laurel Road also offers a suite of online graduate school loan products and personal loans that help simplify lending through customized technology and personalized service. In April 2019, Laurel Road was acquired by KeyBank, one of the nation’s largest bank-based financial services companies. Laurel Road is a brand of KeyBank National Association offering online lending products in all 50 U.S. states, Washington, D.C., and Puerto Rico. All loans are provided by KeyBank National Association, a nationally chartered bank. Member FDIC. For more information, visit www.laurelroad.com.
As used throughout these Terms & Conditions, the term “Lender” refers to KeyBank National Association and its affiliates, agents, guaranty insurers, investors, assigns, and successors in interest.
- Checking your rate with Laurel Road only requires a soft credit pull, which will not affect your credit score. To proceed with an application, a hard credit pull will be required, which may affect your credit score.
- Savings vary based on rate and term of your existing and refinanced loan(s). Refinancing to a longer term may lower your monthly payments, but may also increase the total interest paid over the life of the loan. Refinancing to a shorter term may increase your monthly payments, but may lower the total interest paid over the life of the loan. Review your loan documentation for total cost of your refinanced loan.
- After loan disbursement, if a borrower documents a qualifying economic hardship, we may agree in our discretion to allow for full or partial forbearance of payments for one or more 3-month time periods (not to exceed 12 months in the aggregate during the term of your loan), provided that we receive acceptable documentation (including updating documentation) of the nature and expected duration of the borrower’s economic hardship. During any period of forbearance interest will continue to accrue. At the end of the forbearance period, any unpaid accrued interest will be capitalized and be added to the remaining principle amount of the loan.
- Automatic Payment (“AutoPay”) Discount: if the borrower chooses to make monthly payments automatically from a bank account, the interest rate will decrease by 0.25% and will increase back if the borrower stops making (or we stop accepting) monthly payments automatically from the borrower’s bank account. The 0.25% AutoPay discount will not reduce the monthly payment; instead, the discount is applied to the principal to help pay the loan down faster.
Assumptions: Repayment examples above assume a loan amount of $10,000 with repayment beginning immediately following disbursement. Repayment examples do not include the 0.25% AutoPay Discount.
Annual Percentage Rate (“APR”): This term represents the actual cost of financing to the borrower over the life of the loan expressed as a yearly rate.
Interest Rate: A simple annual rate that is applied to an unpaid balance.
Variable Rates: The current index for variable rate loans is derived from the one-month London Interbank Offered Rate (“LIBOR”) and changes in the LIBOR index may cause your monthly payment to increase. Borrowers who take out a term of 5, 7, or 10 years will have a maximum interest rate of 9%, those who take out a 15 or 20-year variable loan will have a maximum interest rate of 10%.
KEYBANK NATIONAL ASSOCIATION RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS AND BENEFITS AT ANY TIME WITHOUT NOTICE.
This information is current as of April 29, 2021. Information and rates are subject to change without notice.
3Important Disclosures for LendKey.
Refinancing via LendKey.com is only available for applicants with qualified private education loans from an eligible institution. Loans that were used for exam preparation classes, including, but not limited to, loans for LSAT, MCAT, GMAT, and GRE preparation, are not eligible for refinancing with a lender via LendKey.com. If you currently have any of these exam preparation loans, you should not include them in an application to refinance your student loans on this website. Applicants must be either U.S. citizens or Permanent Residents in an eligible state to qualify for a loan. Certain membership requirements (including the opening of a share account and any applicable association fees in connection with membership) may apply in the event that an applicant wishes to accept a loan offer from a credit union lender. Lenders participating on LendKey.com reserve the right to modify or discontinue the products, terms, and benefits offered on this website at any time without notice. LendKey Technologies, Inc. is not affiliated with, nor does it endorse, any educational institution.
Subject to floor rate and may require the automatic payments be made from a checking or savings account with the lender. The rate reduction will be removed and the rate will be increased by 0.25% upon any cancellation or failed collection attempt of the automatic payment and will be suspended during any period of deferment or forbearance. As a result, during the forbearance or suspension period, and/or if the automatic payment is canceled, any increase will take the form of higher payments. The lowest advertised variable APR is only available for loan terms of 5 years and is reserved for applicants with FICO scores of at least 810.
As of 09/09/2022 student loan refinancing rates range from 4.13% APR – 7.39% Variable APR with AutoPay and 2.99% APR – 9.93% Fixed APR with AutoPay.
- Variable APR
Note that the government has paused all repayment on federally held student loans through the end of 2022, with no interest to be charged during that period and no loans to be held delinquent or in default.
* * *
|Pros of EDvestinU student loans:||Cons of EDvestinU student loans:|
|● Accessible to nontraditional applicants, including international students (private loans) and non-graduates (refinancing)
● No application, origination or early payment fees
● In-person customer service (pending COVID-19 closures)
|● Repayment postponements awarded only on case-by-case basis
● Tough criteria to achieve cosigner release
● Lower borrowing and refinancing maximum ($200,000) than competitors
● Not an option for parent borrowers, or for transferring federal Parent PLUS loans
● Not available to borrowers in California or Washington
Based in New Hampshire, EDvestinU is a national loan program managed by the New Hampshire Higher Education Loan Corporation (NHHELCO), a nonprofit organization.
As a nonprofit, NHHELCO uses the proceeds from EDvestinU loans to fund initiatives that benefit students, such as scholarships and educational programs. By working with the lender, you’re also able to help other borrowers avoid debt later on.
See our EDvestinU reviews to learn about either private loans or refinancing, depending on your stage of borrowing.
EDvestinU refinancing allows borrowers to seek a lower interest rate or different loan repayment term through its seamless prequalification process. The lender also offers in-person customer service for borrowers who are close enough to take advantage.
EDvestinU student loan refinancing is a good fit for borrowers with balances above $7,500 and below $200,000 who didn’t graduate; the lender is one of few refinancing options that don’t require a diploma.
With EDvestinU, it’s possible to refinance private and federal loans, including parent PLUS loans (though transferring a parent loan to the former student isn’t possible at EDvestinU).
Here are other basics of the EDvestinU refinance program:
- Prequalify and check potential rates without a hard credit check
- Opt for a variable or fixed interest rate
- Refinance from $7,500 up to $200,000 in student debt
- Discount your rate by 0.25 percentage points if you enroll in automatic payments
- Option to add a cosigner to your application
- Cosigner release available after 36 on-time, monthly payments
- No application or origination fee
- Choose a repayment term of 20 years — and there’s no prepayment penalty
- Apply for an economic hardship deferment (up to 12 months of postponements) if you struggle during repayment
- EDvestinU loan forgiveness is only available in the case of the primary borrower’s death
EDvestinU refinancing stands out from industry competitors in a few respects, including the following.
The hallmark of a competitive student loan refinancing company is prequalification: It allows you to confirm your eligibility and view potential rates and terms, all without submitting to a hard credit inquiry that will ding your credit.
EDvestinU reviews some basic information, promising to deliver your potential rate in “one minute.” Whether that rate will be especially competitive is something we’ll get into below.
Some of EDvestinU’s refinancing eligibility criteria, such as credit score and minimum income, are quite stuff (which we detail below). But the nonprofit lender stands out in this respect: If you didn’t receive a diploma, you can still refinance your debt.
This is a departure from the norm, as the majority of private lenders require you to have earned a degree to refinance student loans.
Some fine print regarding the EDvestinU policy:
- If you refinance while you’re still enrolled at least half time, you’ll only be responsible for interest-only monthly payments until you drop below half time; at that point, you’d be expected to submit full, principal-and-interest payments.
- EDvestinU won’t honor your grace period, so if you’re less than six months removed from school, you might elect to hold off.
|What you need to begin the refinancing process with EDvestinU|
|● Details of your existing loans
● Driver’s license or state-issued ID
● Income verification
● Two references
If you do need to use a cosigner to meet other eligibility requirements, EDvestinU offers cosigner release, which isn’t the case among many student loan refinancing companies. After 36 months of consecutive and on-time payments, you can remove your cosigner from your account.
EDvestinU prides itself on customer service. As a smaller nonprofit, they can provide more personalized assistance to customers.
Besides phone and email support, the company also offers in-person assistance at their New Hampshire offices. Before applying, you can meet a loan counselor to help you navigate the process. In addition, you can meet with a counselor once your loans are in repayment to discuss any issues.
EDvestinU refinancing includes a few potential drawbacks.
Yes, EDvestinU waives the common requirement of holding a degree, but its other eligibility criteria, while standard, could preclude you from qualifying. You must be a U.S. citizen or permanent resident and at least 18 years of age.
These somewhat stringent requirements also include:
- Minimum credit score: Not specified
- Minimum income requirement: $30,000 for loan balances under $100,000, $50,000 for loan balances above $200,000
Fortunately, you might be able to circumvent these rules by finding a creditworthy cosigner who agrees to join your application and be held legally responsible for your debt.
Student loan refinancing is a credit-based concept: The higher your credit score (among other financial factors), the lower interest rate you can expect to receive.
With that in mind, EDvestinU might not be the best option for borrowers with excellent credit. That’s because you can find lower fixed and variable interest rates among competing lenders, at least as of October 2021.
If you have federal loans, you might be used to an expansive menu of loan repayment programs and protections. Like other private lenders, however, EDvestinU is light on such features.
The nonprofit lender merely says it will review your situation if you have trouble repaying your loan. There’s no clear-cut standard for how to qualify for the lender’s economic hardship deferment, which would pause your repayment for up to 12 months, three months at a time.
EDvestinU reviews your requested borrowing amount but caps refinancing at $200,000, which might sound like a lot, but lawyers, dentists and others who borrowed deep into the six figures for professional degrees might be excluded.
If you have more than $200,000 in education debt to refinance, check with a lender like Citizens Bank, which has a maximum lending limit of $500,000 for graduate degree-holders.
If you’re a parent looking to refinance loans in your name, EDvestinU could be a good lender to help you escape a high interest rate. If you’re looking to assume or transfer parent PLUS loans to the student you originally borrowed on behalf of, however, you’ll have to look elsewhere.
Laurel Road is a lender with this option.
If you’re looking to refinance, it’s worth shopping around. The more loan offers you receive, the more certain you can be that you’re getting the best deal possible.
|Products||● Student loan refinancing
● Parent PLUS loan refinancing
|● Student loan refinancing
● Parent PLUS loan refinancing
|● Student loan refinancing
● Parent PLUS loan refinancing
● Medical resident refinancing
|Eligibility requirements||● Not specified
● $30,000 income
● U.S. citizenship or permanent residency
|● 680 credit score
● $65,000 income
● U.S. citizenship or permanent residency
● College degree
|● Good or excellent credit score
● No minimum income
● Nonpermanent U.S. residents without eligible visas can apply with a permanent resident cosigner
|Interest rates||Variable starting at 1.88% and fixed starting at 3.91%||Variable starting at 2.94% and fixed starting at 2.99%||Variable starting at 3.24% and fixed starting at 3.99%|
|Minimum loan amount||$7,500||$5,000||$5,000|
|Repayment terms available||20 years||15 years (16 different options)||Up to 20 years|
|Apply with a cosigner||Yes||Yes||Yes|
Is refinancing student loans with EDvestinU right for you?
EDvestinU stands out for making refinancing accessible to current students and non-graduates alike. If you fall into one of those categories, applying with EDvestinU makes a lot of sense, particularly because it’s free and easy to browse. The nonprofit’s seamless prequalification process makes it easy to compare rates and terms among other offers you might receive elsewhere.
Just keep in mind that EDvestinU might not be the best overall lender for your situation. Its maximum lending limit could be a deal-breaker if you have more than $200,000 to refinance. You might also simply find a lower APR elsewhere, as the starting end of EDvestinU’s fixed and variable rate ranges can be beaten by competitors.
As you consider your options, see how EDvestinU reviews stack up with those of other top student loan refinancing lenders out there.
With a mission that’s oriented toward your success in school and repayment, the nonprofit EDvestinU offers private loans to students (not parents) pursuing a variety of degrees. Its products could be worth a look after you’ve exhausted all other financial aid options, including federal student loans.
EDvestinU student loans are a good fit for families that reside in New Hampshire and can benefit from steep interest rate discounts and, pending the COVID-19 pandemic, in-person customer service. This lender is also a potential choice for international students with a U.S. citizen or permanent resident cosigner.
EDvestinU private student loans are available to three types of students enrolled at least half time in degree-granting programs (except for residents of California and Washington):
- Graduate and professional students
- International students with a U.S. citizen or permanent resident cosigner
If you fit into one of these buckets, here are more details about the nonprofit lender’s in-school products.
|Basics||● Borrow as little as $0 and as much as your cost of attendance (with an aggregate maximum of $200,000 )
● Fixed and variable interest rates available
● Fixed rates (1 percentage point discount) and variable rates (0.25 percentage points) are discounted for New Hampshire residents and students
|Applying||● Option to apply with a cosigner
● No application, origination or other fees
|Repayment||● Standard six-month grace period
● No prepayment penalties
● Reduce your interest rate by 0.50 percentage points if you enroll in autopay
● Three in-school repayment options, including full deferment
● Repayment term option: 7 years
● Release your cosigner after 36 months of prompt payments (and meeting other criteria)
● Forgiveness offered only the case of the primary borrower’s death
|Support||● EDvestinU offers economic hardship deferments and discretionary forbearances, but the requirements for qualifying aren’t publicly shared|
As a nonprofit lender based in New Hampshire, EDvestinU doesn’t always stand out nationally. Thanks to its interest rate discounts and accessibility for international students, however, EDvestinU stands above many of its competitors in at least a few respects.
It’s fairly common for private lenders, including banks and credit unions, to discount your APR by 0.25 percentage points if you enroll in automatic payments. Autopay is mutually beneficial: It makes submitting your monthly dues more convenient, and it gives your lender more assurance that you’ll stay current on your debt.
Signing up for autopay with EDvestinU is doubly valuable because it will lower your APR by an industry-best 0.50 percentage points. A lower interest rate, even by half a percentage point, can save you a significant amount of interest, particularly if you have a longer loan term.
Rate discounts are even more valuable for New Hampshire residents. Fixed rates are dropped by 1 percentage point, and variable rates by 0.25 percentage points if you’re a Granite State native or if you’re attending college or university there.
To put that interest rate discount into context, consider the following example…
|Fixed APR discounted from 6.00%||Total cost of repayment*|
|With autopay, NH residency||4.75%||$18,873|
|*Assuming a $15,000 balance, to be repaid over 10 years||$885|
For private student loans, EDvestinU reviews your legal residency, requiring that you’re a U.S. citizen or permanent resident. However, the company is one of the few lenders out there who will work with international students. To apply for a private loan, international students just need a cosigner who is a U.S. citizen or private resident.
Other eligibility criteria include: You also must attend a Title IV school at least half time to qualify, and there’s a minimum income requirement of $30,000. If you don’t earn enough, you will need a cosigner who makes at least that amount.
|Can’t find a U.S. citizen or permanent resident or permanent resident cosigner?||Prodigy Finance is among lenders assisting international student borrowers|
|Not attending an eligible degree-granting school?||Check out options for non-degree-seeking student loans|
|Not attending classes at least-half time?||There are lenders with part-time student loan options|
Like all private lenders, EDvestinU could do better in certain areas to serve borrowers even better.
Some of the best private student loan companies allow you to confirm your eligibility and evaluate customized rates and terms without going to the trouble of filing a formal application and submitting to a hard credit check. EDvestinU isn’t in that group unfortunately, making it a better option for once you’ve narrowed down your options and are ready to file a few formal applications.
|What you need to begin the loan application process with EDvestinU|
|● Loan amount
● School information
● Income verification
● Two references
● Driver’s license or ID
● Social Security card
|EDvestinU says the application process typically takes about 7 to 10 business days|
EDvestinU offers economic hardship deferments and discretionary forbearances, but the requirements for qualifying for these repayment protections aren’t publicly shared. Borrowing from lenders that will give you a break if hard times arrive — or if you just return to school — is wise. You never know what might happen while repaying your education debt.
The headline here is that you can release your EDvestinU cosigner, if you have one, after three years of prompt monthly payments. The real criteria are a bit more exclusive: You must also have a credit score of at least 750 and a minimum income of $30,000.
That’s a fairly high bar to clear for many borrowers. If you’re hoping for a faster, less-obstructed path to removing a cosigner from your loan agreement, you might shop with Sallie Mae. It has an industry-best 12-month route to cosigner release.
Seeing how EDvestinU student loans stack up against other banks, credit unions and online companies will help you determine whether it’s a good fit for you.
|Loans for…||● Undergraduate and graduate students||● Undergraduates and graduate students
● Career school students
● Business, law, medical and dental school
|● Undergraduate and graduate students
● Business and law school
|Interest rates||Variable starting at 2.20% and fixed starting at 3.02%||Variable starting at 2.49% and fixed starting at 3.22%||Variable starting at 1.89% and fixed starting at 3.75%|
|Ability to prequalify without affecting credit||No||Yes||Yes|
|In-school repayment options||3||4||4|
|Repayment terms||7 years||8, 12, 10, 15 years (and 5 to 15 years for parents)||5, 10, 15 years|
|Cosigner release available||Yes — after 36 months of timely payments (and meeting other criteria)||Yes — after half the repayment term has elapsed||Yes — after 24 months of timely payments|
You’ll very likely be better off if you shop around beyond a few lenders. Make sure you learn all about the best options for your specific needs.
|Borrower||Programs||Personal situation||Lender feature|
|Adults returning to school||Community college||Applying without a cosigner||Credit unions|
|Graduate students||Trade school||Bad or no credit||Cosigner release|
|Parents||Nursing school||Economic hardship forbearance|
Are EDvestinU student loans right for you?
If you’re a New Hampshire student, you would be wise to at least consider EDvestinU student loans. Between residency and autopay discounts, you could permanently shave 1.25 percentage points off your initially quoted APR. EDvestinU could also be a good option for international students with access to a citizen or permanent resident cosigner.
On the other hand, EDvestinU isn’t the right lender for every borrower. While it’s a nonprofit lender that would seem to be more customer-friendly than a traditional bank, EDvestinU isn’t transparent about repayment protections like deferment and forbearance. Plus, it offers a challenging pathway toward cosigner release.
Because EDvestinU also doesn’t offer a prequalification process, it’s wise to shop around first before potentially filing a formal application at a later date. You might find other worthwhile lenders listed in our private student loan marketplace.
If you didn’t find your question answered in our EDvestinU reviews, see the following FAQs:
Is EDvestinU a legit lender?
Yes, EDvestinU is a legitimate private lender as part of the New Hampshire Higher Education Assistance Foundation, which has almost 60 years of experience. It offers private student loans to borrowers pursuing undergraduate and graduate degrees, including international students.
Are EDvestinU student loans federal or private loans?
EDvestinU student loans are private loans. That means they lack most of the features that are synonymous with federal loans, such as income-driven repayment plans and loan forgiveness programs. It’s generally recommended to exhaust all federal financial aid before resorting to borrowing private loans.
How long does it take to get an EDvestinU student loan?
The application process for EDvestinU loans takes seven to 10 business days. The lender says on its website to allow three to five days for your application documents to be processed.
Student Loan Hero has independently collected the above information related to EDvestinU student loans, which is current as of Oct. 5, 2021, unless otherwise noted. None of the financial institutions named has either provided or reviewed the information shared in this article.
Need a student loan?Here are our top student loan lenders of 2022!
|2.49% – 13.85%1||Undergraduate|
|2.55% – 11.44%2||Undergraduate|
|3.25% – 13.59%3||Undergraduate|
|0.00% – 23.00%4||Undergraduate|
|3.25% – 9.69%6||Undergraduate|
|* The Sallie Mae partner referenced is not the creditor for these loans and is compensated by Sallie Mae for the referral of Smart Option Student Loan customers.
1 Important Disclosures for College Ave.
College Ave Student Loans products are made available through Firstrust Bank, member FDIC, First Citizens Community Bank, member FDIC, or M.Y. Safra Bank, FSB, member FDIC.. All loans are subject to individual approval and adherence to underwriting guidelines. Program restrictions, other terms, and conditions apply.
Information advertised valid as of 9/15/2022. Variable interest rates may increase after consummation. Approved interest rate will depend on the creditworthiness of the applicant(s), lowest advertised rates only available to the most creditworthy applicants and require selection of full principal and interest payments with the shortest available loan term.
2 Rate range above includes optional 0.25% Auto Pay discount. Important Disclosures for Earnest.
Actual rate and available repayment terms will vary based on your income. Fixed rates range from 3.47% APR to 13.03% APR (excludes 0.25% Auto Pay discount). Variable rates range from 2.80% APR to 11.69% APR (excludes 0.25% Auto Pay discount). Earnest variable interest rate student loan refinance loans are based on a publicly available index, the 30-day Average Secured Overnight Financing Rate (SOFR) published by the Federal Reserve Bank of New York. The variable rate is based on the rate published on the 25th day, or the next business day, of the preceding calendar month, rounded to the nearest hundredth of a percent. The rate will not increase more than once per month. Although the rate will vary after you are approved, it will never exceed 36% (the maximum allowable for this loan). Please note, Earnest Private Student Loans are not available in Nevada. Our lowest rates are only available for our most credit qualified borrowers and contain our .25% auto pay discount from a checking or savings account. It is important to note that the 0.25% Auto Pay discount is not available while loan payments are deferred.
3 Sallie Mae Disclaimer: Click here for important information. Terms, conditions and limitations apply.
4 Important Disclosures for Edly.
1. Loan Example:
About this example
The initial payment schedule is set upon receiving final terms and upon confirmation by your school of the loan amount. You may repay this loan at any time by paying an effective APR of 23%. The maximum amount you will pay is $22,500 (not including Late Fees and Returned Check Fees, if any). The maximum number of regularly scheduled payments you will make is 60. You will not pay more than 23% APR. No payment is required if your gross earned income is below $30,000 annually or if you lose your job and cannot find employment.
2. Edly Student IBR Loans are unsecured personal student loans issued by FinWise Bank, a Utah chartered commercial bank, member FDIC. All loans are subject to eligibility criteria and review of creditworthiness and history. Terms and conditions apply.
5 Important Disclosures for Citizens Bank.
Citizens Bank Disclosures
6 Important Disclosures for Funding U.
Funding U Disclosures
Offered terms are subject to change. Loans are made by Funding University which is a for-profit enterprise. Funding University is not affiliated with the school you are attending or any other learning institution. None of the information contained in Funding University’s website constitutes a recommendation, solicitation or offer by Funding University or its affiliates to buy or sell any securities or other financial instruments or other assets or provide any investment advice or service.