EDvestinU Reviews: Refinancing for Non-Grads, Low Rates for New Hampshire Students

 November 5, 2021
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Refinance Student Loan rates starting at 2.49% APR

2.49% to 11.72% 1

Visit Lender

2.50% to 6.30% 2

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4.13% to 7.39% 3

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  • 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 student loan refinancing review EDvestinU student loans review
The basics
What to like
What to keep in mind
How EdvestinU compare
The basics
What to like
What to keep in mind
How EdvestinU compares
Frequently asked questions about EDvestinU

EDvestinU student loan refinance review

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.

What to like: What to keep in mind:
Prequalify easily and harmlessly
Non-graduates are eligible
Release your cosigner from repayment
In-person customer service
Some eligibility requirements can be stiff
Lower interest rates elsewhere
Light on deferment, forbearance
Not an option for large balances
Not an option for transferring parent loans

EDvestinU student loan refinance review: The basics

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

What to like about EDvestinU refinance for student loans

EDvestinU refinancing stands out from industry competitors in a few respects, including the following.

Prequalify easily and harmlessly

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.

Non-graduates are eligible

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

Release your cosigner from repayment

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.

In-person customer service (pending COVID-19 pandemic-related closures)

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.

What to keep in mind about EDvestinU refinance for student loans

EDvestinU refinancing includes a few potential drawbacks.

Some eligibility requirements can be stiff

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.

Lower interest rates may be found elsewhere

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.

Light on deferment, forbearance protections

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.

Not an option for especially large balances

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.

Not an option for transferring federal parent PLUS loans

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.

How EDvestinU student loan refinance compare

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.

EDvestinU College Ave SoFi
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.

EDvestinU student loans review

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.

What to like: What to keep in mind:
Industry-best autopay rate discount
Discounts for New Hampshire borrowers
International students eligible with cosigners
No prequalification process available
Deferment, forbearance lack clarity
Cosigner release program is overly exclusive

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):

  1. Undergraduates
  2. Graduate and professional students
  3. 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

What to like about EDvestinU student loans

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.

Industry-best autopay rate discount

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.

Discounts for New Hampshire borrowers

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 5.75% $19,758
With autopay, NH residency 4.75% $18,873
*Assuming a $15,000 balance, to be repaid over 10 years $885

International students are eligible with cosigner support

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

What to keep in mind about EDvestinU student loans

Like all private lenders, EDvestinU could do better in certain areas to serve borrowers even better.

No prequalification process available

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

Deferment, forbearance lack clarity

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.

Cosigner release program is overly exclusive

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.

How EDvestinU student loans compare

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.

EDvestinU College Ave SoFi
Loans for… ● Undergraduate and graduate students ● Undergraduates and graduate students
● Career school students
● Business, law, medical and dental school
● Parents
● Undergraduate and graduate students
● Business and law school
● Parents
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
Borrowing amount $0 $1,000 $0
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
Medical school
Law school
Dental school
Business school

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.

Frequently asked questions about EDvestinU student loans

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!
LenderVariable APREligibility 
2.49% – 13.85%1Undergraduate

Visit College Ave

2.55% – 11.44%2Undergraduate

Visit Earnest

3.25% – 13.59%3Undergraduate

Visit SallieMae

0.00% – 23.00%4Undergraduate

Visit Edly

3.25% – 9.69%6Undergraduate



Visit FundingU

* 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.

CollegeAve Disclosures

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.

  1. As certified by your school and less any other financial aid you might receive. Minimum $1,000.
  2. Rates shown are for the College Ave Undergraduate Loan product and include autopay discount. The 0.25% auto-pay interest rate reduction applies as long as a valid bank account is designated for required monthly payments. Variable rates may increase after consummation.
  3. This informational repayment example uses typical loan terms for a freshman borrower who selects the Deferred Repayment Option with a 10-year repayment term, has a $10,000 loan that is disbursed in one disbursement and a 8.35% fixed Annual Percentage Rate (“APR”): 120 monthly payments of $179.18 while in the repayment period, for a total amount of payments of $21,501.54. Loans will never have a full principal and interest monthly payment of less than $50. Your actual rates and repayment terms may vary.

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.

Earnest Disclosures

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.

Edly Disclosures

1. Loan Example:

  • Loans from $5,000 – $20,000
  • Example: $10,000 IBR Loan with a 7% gross income payment percentage for a Senior student making $65,000 annually throughout the life of the loan.
    • Payments deferred for the first 12 months during final year of education.
    • After which, $270 Monthly payment for 12 months.
    • Then $379 Monthly payment for 44 months.
    • Followed by one final payment of $137 for a total of $20,610 paid over the life of the loan.

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

  • Variable Rate Disclosure: Variable interest rates are based on the 30-day average Secured Overnight Financing Rate (“SOFR”) index, as published by the Federal Reserve Bank of New York. As of September 1, 2022, the 30-day average SOFR index is 2.23%. Variable interest rates will fluctuate over the term of the loan with changes in the SOFR index, and will vary based on applicable terms, level of degree and presence of a co-signer. The maximum variable interest rate is the greater of 21.00% or the prime rate plus 9.00%.
  • Fixed Rate Disclosure: Fixed rate ranges are based on applicable terms, level of degree, and presence of a co-signer.
  • Lowest Rate Disclosure: Lowest rates are only available for the most creditworthy applicants, require a 5-year repayment term, immediate repayment, a graduate or medical degree (where applicable), and include our Loyalty and Automatic Payment discounts of 0.25 percentage points each, as outlined in the Loyalty Discount and Automatic Payment Discount disclosures. Rates are subject to additional terms and conditions, and are subject to change at any time without notice. Such changes will only apply to applications taken after the effective date of change.


    Undergraduate Rate Disclosure: Variable interest rates range from 3.25%-10.35% (3.25% – 9.69% APR). Fixed interest rates range from 4.24% – 10.59% (4.24% – 9.93% APR). 

    Graduate Rate Disclosure: Variable interest rates range from 3.75%-9.90% (3.75% – 9.68% APR). Fixed interest rates range from  5.22% – 10.14% (5.22% – 9.91% APR). 

    Business/Law Rate Disclosure: Variable interest rates range from 3.75%-9.35% (3.75% – 9.16% APR). Fixed interest rates range from 5.20% – 9.59% (5.20% – 9.39% APR).

    Medical/Dental Rate Disclosure: Variable interest rates range from 3.75%-9.02% (3.75% -8.98% APR). Fixed interest rates range from 5.18% – 9.26% (5.18% – 9.22% APR). 

    Parent Loan Rate Disclosure: Variable interest rates range from 3.25%-9.21% (3.25% – 9.21% APR). Fixed interest rates range from 3.96%-9.50% (3.96%-9.50% APR).

    Bar Study Rate Disclosure: Variable interest rates range from 6.58%-11.72% (6.58% – 11.62% APR). Fixed interest rates range from 7.39% – 12.94% (7.40% – 12.82% APR). 

    Medical Residency Rate Disclosure: Variable interest rates range from 5.67%-9.17% (5.67% – 8.76% APR). Fixed interest rates range from 6.99% – 10.49% (6.97% – 10.08% APR).

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.