The Complete Guide to Student Loan Forgiveness for Lawyers

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Being a lawyer is often associated with having a high salary — and even higher student loan debt. Unfortunately, studying law is not a promised path to gainful employment or six figures.

More lawyers today are facing unemployment along with burdensome law school loans, with the employment rate for Class of 2013 law school graduates falling for the sixth consecutive year, according to the National Association for Law Placement.

Luckily, there are student loan assistance programs out there to help with that lingering debt from college — and even more for those who dedicate their lives to public service. Here’s the complete guide to repayment options and student loan forgiveness for lawyers.

Public Service Loan Forgiveness for Lawyers

The Public Service Loan Forgiveness Program forgives your remaining federal loans after working for a qualified employer and making 120 payments. Eligible employment includes positions in the government and nonprofit sectors. Candidates must work full-time and make consecutive payments.

Department of Justice Attorney Student Loan Repayment Program

The Department of Justice offers an Attorney Student Loan Repayment Program (ASLRP) in an effort to recruit and retain lawyers in the field. Each spring, the agency opens up applications to current employees for the assistance program. To be eligible, employees of the Department of Justice must have at least $10,000 in federal student loans.

Eligible loans include:

  • Stafford Loans
  • Supplemental Loans
  • Federal Consolidation Loans
  • Defense Loans (made before July 1, 1972)
  • National Direct Student Loans (made between 7/1/72 and 7/1/87)
  • William D. Ford Direct Student Loans
  • Perkins Loans
  • The Nursing Student Loan Program loans
  • The Health Profession Student Loan Program loans
  • The Health Education Assistance Loan Program loans

Eligible candidates can receive up to $6,000 per calendar year, with a maximum of $60,000 in assistance. Your payment will be sent to your loan servicer and not you directly. In order to accept the award, candidates need to commit to a three-year service with the Department of Justice.

Note that assistance provided through this program is considered taxable income, which is subject to additional withholdings. While this program may be a good option for those working for the Department of Justice, it can be highly competitive.

John R. Justice Student Loan Repayment Program

Are you looking to work in the public sector? You’re in luck! The John R. Justice Student Loan Repayment Program provides assistance for lawyers working as public defenders. Eligible candidates can receive up to $10,000 per year, with a maximum award of $60,000.

Each state is provided with funding for this particular program, so you’ll want to contact the Governor-Designated State Agencies to learn how to apply within your specific state. Candidates must be employed as a public defender for at least three years.

The Herbert S. Garten Loan Repayment Assistance Program

This assistance program uses a lottery system to offer awards to qualified attorneys. The attorney must be employed by one of the program’s grantees and have outstanding student loan debt of at least $75,000. This program awards up to $5,600 to roughly 70 attorneys each year.

Loan Repayment Assistance Programs (LRAPs) By School

Newly graduated lawyers who are saddled with student loans and are deterred from taking positions in the public sector also have options. Many law schools have come up with Loan Repayment Assistance Programs (LRAPs) to ease the financial burden and attract attorneys to the public sector.

Typically, these programs have salary requirements, such as earning $75,000 or less per year. The actual amount you receive as part of your assistance depends on your law school.

Check out this comprehensive list to see if your school is included.

Loan Repayment Assistance Programs (LRAPs) By State

In addition to LRAPs by school, there are numerous programs offered by certain states:

Arizona

The Joyce Holsey’s ALL (Arizona’s Legal Legacy) – Loan Repayment Assistance Program aims to create statewide assistance for law school graduates employed in certain programs working with underserved communities. Applicants must have passed the State Bar of Arizona and have an income that does not exceed $65,000 annually. A maximum of $10,000 will be awarded to eligible candidates each year. (Learn more)

District of Columbia

If you live in the D.C. area, you may be able to qualify for up to $12,000 per year in repayment assistance.

The District of Columbia Bar Foundation Loan Repayment Assistance Program seeks lawyers working with low-income individuals. Eligible candidates must be in good standing with the D.C. Bar, employed by a qualified organization, and work at least 17 hours per week. In addition, applicants’ gross income must be less than $81,954.53 in 2016. (Learn more)

Florida

The Florida Bar Foundation has a Loan Repayment Assistance Program that awards up to $5,000 per year to lawyers who work at legal aid or legal services organizations. Eligible candidates must work full-time or part-time for 12 months at a foundation-supported organization. (Learn more)

Illinois

The Chicago Bar Foundation offers assistance through the Sun-Times Public Interest Law Fellowship to outstanding law school graduates working with qualified public interest organizations.

Eligible candidates can receive up to $20,000 over the period of five years. Applicants must have at least $40,000 in educational debt and commit to working in public service. (Learn more)

Indiana

The Indiana Bar Foundation offers assistance through the Justice Richard M. Givan Loan Repayment Assistance Program, which is geared toward law school graduates working in the nonprofit sector. The program is specifically designed for law school graduates who have incurred significant educational debt.

Eligible candidates must not make more than $50,000 annually. The program awards $5,000 per year to eligible candidates. (Learn more)

Iowa

The Iowa State Bar Association Loan Repayment Assistance Program aims to help law school graduates working in the public sector. Eligible candidates need to be licensed in Iowa and be employed full-time by a public interest organization. Salary cannot exceed $50,000 per year.

The program awards up to $2,000 per year. The number of years you are eligible for funding depends on the specific program. (Learn more)

Louisiana

The Louisiana Bar Foundation has an assistance program that offers up to $5,000 per year to lawyers working at an organization that is supported by the Foundation. Applicants must be employed full-time and have a gross salary of $50,000 or less. In addition, they must reapply each year to be considered for funding. (Learn more)

Maine

The Maine Bar Foundation offers loan assistance to lawyers working for a qualified nonprofit — most of which provide legal aid to the elderly and low-income. Eligible candidates can receive a maximum benefit of $5,000 annually. (Learn more)

Maryland

Maryland residents working as attorneys in the public sector with low-income or underserved residents might be eligible for assistance through the Janet L. Hoffman Loan Assistance Repayment Program.

Eligible candidates must have received their degree from a college in Maryland and be employed full-time, making $60,000 or less. The award amount is between $1,500 and $10,000 per year, depending on your debt load. (Learn more)

Minnesota

The Loan Repayment Assistance Program of Minnesota offers assistance to graduates from a Minnesota law school, working at a qualified nonprofit serving low-income communities. The gross income requirement depends on your years of service.

For example, if you’ve worked at a qualifying nonprofit for one to two years, your income cannot exceed $51,500. That number increases to $65,000 if you have worked at the nonprofit for nine to 15 years.

Awards are based on your years of employment and calculated individually for each applicant. Eligible candidates can have 80 to 95 percent of their payments covered. (Learn more)

Montana

The Montana Justice Foundation has a Loan Repayment Assistance Program for legal aid lawyers working with underserved communities.

A maximum of $2,500 may be awarded to eligible candidates. Applicants must work full-time. If the number of applicants exceeds the amount of resources, the Board of Directors will decide how the funds should be used. (Learn more)

New Hampshire

The New Hampshire Bar Foundation has a Law School Loan Repayment Assistance Program to help attorneys working with qualified public agencies within underserved communities in New Hampshire.

Attorneys can work full-time or part-time at a qualifying agency, such as the Disabilities Rights Center. The total award amount is a percentage of your income, based on a variety of factors including how much assistance you may have received from other sources. (Learn more)

New Mexico

The New Mexico Public Service Law Loan Repayment Assistance Program offers educational assistance for attorneys working in the public or nonprofit sector.

Eligible candidates must earn a salary of $55,000 or less. Candidates must be working for a qualified employment site and commit to three years. The maximum award is $7,200 per year. (Learn more)

New York

In New York, the District Attorney and Indigent Legal Services Attorney Loan Forgiveness Program offers assistance to attorneys that are employed as District Attorneys, Assistant District Attorneys, or Indigent Legal Services Attorneys.

Applicants must be residents of New York State and have a year of full-time, qualified service under their belts. This is one of the more generous programs, with a maximum total award of $20,400, with annual disbursements amounting to $3,400. (Learn more)

North Carolina

The North Carolina Legal Education Assistance Foundation helps recruit and retain public interest attorneys by offering repayment assistance. The bad news? At this time, there is no application cycle for 2016. If you’re in North Carolina, you may want to check back periodically to see if anything has changed. (Learn more)

Ohio

The Ohio Legal Assistance Foundation has a Loan Repayment Assistance Program to help recruit and retain attorneys working with Ohio’s poor and underserved communities. Applicants that are employed full-time by a qualified agency are eligible for up to $6,000 in repayment assistance. (Learn more)

Oregon

The Oregon State Bar has a Loan Repayment Assistance Program to help retain and attract public service attorneys. Eligible candidates must work at a qualifying nonprofit or agency with a salary that does not exceed $65,000.

In addition, applicants must have $35,000 or more in outstanding student loan debt. An award of $7,500 per year is available for up to three years. (Learn more)

Pennsylvania

The Pennsylvania Bar Foundation has a Loan Repayment Assistance Program that aims to help lawyers understand their student loan debt and make it more manageable to stay in public service.

An eligible candidate’s salary must not exceed $66,000. The total award amount will depend on the number of candidates and available funding. (Learn more)

Texas

The Texas Student Loan Repayment Assistance Program is funded by the State Bar of Texas and offers repayment assistance to those who choose to work in legal aid in Texas. The program offers assistance to approximately 125 attorneys. At this time, there is no income cap and the yearly maximum award is $4,800. (Learn more)

Vermont

The Vermont Bar Foundation has a Loan Repayment Assistance Program that offers loan assistance for attorneys working in the nonprofit sector, helping low-income individuals and families.

Lawyers must be licensed in Vermont and be employed at a qualified organization. Eligible candidates’ salaries must not exceed $60,000. Applicants may be eligible for up to $5,000 per year. Former participants may apply again for future funding cycles. (Learn more)

Income-Driven Plans

A lot of the aforementioned assistance programs require you to work at a qualifying nonprofit or agency and work under strict income limitations. If you don’t qualify for one of those programs and you have federal loans, consider an income-driven repayment plan.

Income-Based Repayment (IBR): Your monthly payments are capped at 10 to 15 percent of your income, depending on when you took out your loan. To qualify for IBR, your proposed payment must be less than what it would be under the 10-year Standard Repayment Plan. The repayment period is 20 to 25 years — any balance remaining after that will be forgiven but may be subject to additional taxes.

Pay As You Earn (PAYE): Monthly payments are capped at 10 percent of your income. To qualify, your proposed payment must be less than what it would be under the 10-year Standard Repayment Plan. The repayment period is 20 years — any balance remaining after that will be forgiven but may be subject to additional taxes. Note, however, that the government is making changes to PAYE — learn more about the Revised Pay As You Earn (REPAY) program.

Income-Contingent Plan: Monthly payments are capped at 20 percent of your discretionary income under an Income-Contingent Plan. The repayment period is 25 years, with any remaining balance forgiven (though forgiven debt might be subject to additional taxes).

Graduating with huge law school loans is tough, but there may be options to get some assistance from your employer, state, and more. Check out these options to see if you qualify for some form of assistance or forgiveness.

Photo credit: Tori Rector via Flickr Creative Commons

Interested in refinancing student loans?

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1 Important Disclosures for Earnest.

Earnest Disclosures

To qualify, you must be a U.S. citizen or possess a 10-year (non-conditional) Permanent Resident Card, reside in a state Earnest lends in, and satisfy our minimum eligibility criteria. You may find more information on loan eligibility here: https://www.earnest.com/eligibility. Not all applicants will be approved for a loan, and not all applicants will qualify for the lowest rate. Approval and interest rate depend on the review of a complete application.

Earnest fixed rate loan rates range from 3.89% APR (with Auto Pay) to 5.87% APR (with Auto Pay). Variable rate loan rates range from 2.47% APR (with Auto Pay) to 5.87% APR (with Auto Pay). For variable rate loans, although the interest rate will vary after you are approved, the interest rate will never exceed 8.95% for loan terms 10 years or less. For loan terms of 10 years to 15 years, the interest rate will never exceed 9.95%. For loan terms over 15 years, the interest rate will never exceed 11.95% (the maximum rates for these loans). Earnest variable interest rate loans are based on a publicly available index, the one month London Interbank Offered Rate (LIBOR). Your rate will be calculated each month by adding a margin between 1.82% and 5.50% to the one month LIBOR. The rate will not increase more than once per month. Earnest rate ranges are current as of Month/Day/Year, and are subject to change based on market conditions and borrower eligibility.

Auto Pay discount: If you make monthly principal and interest payments by an automatic, monthly deduction from a savings or checking account, your rate will be reduced by one quarter of one percent (0.25%) for so long as you continue to make automatic, electronic monthly payments. This benefit is suspended during periods of deferment and forbearance.

The information provided on this page is updated as of 08/21/18. Earnest reserves the right to change, pause, or terminate product offerings at any time without notice. Earnest loans are originated by Earnest Operations LLC. California Finance Lender License 6054788. NMLS # 1204917. Earnest Operations LLC is located at 302 2nd Street, Suite 401N, San Francisco, CA 94107. Terms and Conditions apply. Visit https://www.earnest.com/terms-of-service, email us at hello@earnest.com, or call 888-601-2801 for more information on ourstudent loan refinance product.

© 2018 Earnest LLC. All rights reserved. Earnest LLC and its subsidiaries, including Earnest Operations LLC, are not sponsored by or agencies of the United States of America.


2 Important Disclosures for Laurel Road.

Laurel Road Disclosures

Savings example: average savings calculated based on single loans refinanced from 9/2013 to 12/2017 where borrowers’ previous rates were disclosed. Assumes same loan terms for previous and refinanced loans, and payments made to maturity with no prepayments. Actual savings for individual loans vary based on loan balance, interest rates, and other factors.

Application detail: 5 minutes indicates typical time it takes to complete application with applicant information readily available. It does not include time taken to provide underwriting decision or funding of the loan.

Instant rates mean a delivery of personalized rates for those individuals who provide sufficient information to return a rate. For instant rates a soft credit pull will be conducted, 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.

Total savings calculated by aggregating individual average savings across total borrower population from 9/2013 to 12/2017. Individual average savings calculation based on single loans refinanced from 9/2013 to 12/2017 where borrowers’ previous rates were provided. Assumes same loan terms for previous and refinanced loans, and payments made to maturity with no prepayments. Actual savings for individual loans vary based on loan balance, interest rates, and other factors.


3 Important Disclosures for SoFi.

SoFi Disclosures

  1. Student loan Refinance:Fixed rates from 3.899% APR to 7.804% APR (with AutoPay). Variable rates from 2.470% APR to 6.990% APR (with AutoPay). Interest rates on variable rate loans are capped at either 8.95% or 9.95% depending on term of loan. See APR examples and terms. Lowest variable rate of 2.470% APR assumes the current index rate derived from the 1-month LIBOR of 2.08% plus 0.64% margin minus 0.25% ACH discount. Not all borrowers receive the lowest rate. If approved for a loan, the fixed or variable interest rate offered will depend on your creditworthiness, and the term of the loan and other factors, and will be within the ranges of rates listed above. For the SoFi variable rate loan, the 1-month LIBOR index will adjust monthly and the loan payment will be re-amortized and may change monthly. APRs for variable rate loans may increase after origination if the LIBOR index increases. The SoFi 0.25% AutoPay interest rate reduction requires you to agree to make monthly principal and interest payments by an automatic monthly deduction from a savings or checking account. The benefit will discontinue and be lost for periods in which you do not pay by automatic deduction from a savings or checking account. *To check the rates and terms you qualify for, SoFi conducts a soft credit inquiry. Unlike hard credit inquiries, soft credit inquiries (or soft credit pulls) do not impact your credit score. Soft credit inquiries allow SoFi to show you what rates and terms SoFi can offer you up front. After seeing your rates, if you choose a product and continue your application, we will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit inquiry. Hard credit inquiries (or hard credit pulls) are required for SoFi to be able to issue you a loan. In addition to requiring your explicit permission, these credit pulls may impact your credit score.
  2. Terms and Conditions Apply. SOFI RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS AND BENEFITS AT ANY TIME WITHOUT NOTICE. To qualify, a borrower must be a U.S. citizen or permanent resident in an eligible state and meet SoFi’s underwriting requirements. Not all borrowers receive the lowest rate. To qualify for the lowest rate, you must have a responsible financial history and meet other conditions. If approved, your actual rate will be within the range of rates listed above and will depend on a variety of factors, including term of loan, a responsible financial history, years of experience, income and other factors. Rates and Terms are subject to change at anytime without notice and are subject to state restrictions. SoFi refinance loans are private loans and do not have the same repayment options that the federal loan program offers such as Income Based Repayment or Income Contingent Repayment or PAYE. Licensed by the Department of Business Oversight under the California Financing Law License No. 6054612. SoFi loans are originated by SoFi Lending Corp., NMLS # 1121636. (www.nmlsconsumeraccess.org)

4 Important Disclosures for LendKey.

LendKey Disclosures

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.


5 Important Disclosures for CommonBond.

CommonBond Disclosures

  1. Offered terms are subject to change. Loans are offered by CommonBond Lending, LLC (NMLS # 1175900). The following table displays the estimated monthly payment, total interest, and Annual Percentage Rates (APR) for a $10,000 loan. The Annual Percentage Rate (APR) shown for each in-school loan product reflects the accruing interest, the effect of one-time capitalization of interest at the end of a deferment period, a 2% origination fee, and the applicable Repayment Plan. All loans are eligible for a 0.25% reduction in interest rate by agreeing to automatic payment withdrawals once in repayment, which is reflected in the interest rates and APRs displayed. Variable rates may increase after consummation. All variable rates are based on a 1-month LIBOR assumption of 2.08% effective July 25, 2018.

6 Important Disclosures for Citizens Bank.

Citizens Bank Disclosures

  1. Education Refinance Loan Rate DisclosureVariable rate, based on the one-month London Interbank Offered Rate (“LIBOR”) published in The Wall Street Journal on the twenty-fifth day, or the next business day, of the preceding calendar month. As of October 1, 2018, the one-month LIBOR rate is 2.22%. Variable interest rates range from 2.72%-8.32% (2.72%-8.32% APR) and will fluctuate over the term of the borrower’s loan with changes in the LIBOR rate, and will vary based on applicable terms, level of degree earned and presence of a cosigner. Fixed interest rates range from 3.75%-8.69% (3.75%-8.69% APR) based on applicable terms, level of degree earned and presence of a cosigner. Lowest rates shown require application with a cosigner, are for eligible, creditworthy applicants with a graduate level degree, require a 5-year repayment term and include our Loyalty discount and Automatic Payment discounts of 0.25 percentage points each, as outlined in the Loyalty and Automatic Payment Discount disclosures. The maximum variable rate on the Education Refinance Loan is the greater of 21.00% or Prime Rate plus 9.00%. Subject to additional terms and conditions, and rates are subject to change at any time without notice. Such changes will only apply to applications taken after the effective date of change. Please note: Due to federal regulations, Citizens Bank is required to provide every potential borrower with disclosure information before they apply for a private student loan. The borrower will be presented with an Application Disclosure and an Approval Disclosure within the application process before they accept the terms and conditions of their loan.
  2. Federal Loan vs. Private Loan Benefits: Some federal student loans include unique benefits that the borrower may not receive with a private student loan, some of which we do not offer with the Education Refinance Loan. Borrowers should carefully review their current benefits, especially if they work in public service, are in the military, are currently on or considering income based repayment options or are concerned about a steady source of future income and would want to lower their payments at some time in the future. When the borrower refinances, they waive any current and potential future benefits of their federal loans and replace those with the benefits of the Education Refinance Loan. For more information about federal student loan benefits and federal loan consolidation, visit http://studentaid.ed.gov/. We also have several resources available to help the borrower make a decision at http://www.citizensbank.com/EdRefinance, including Should I Refinance My Student Loans? and our FAQs. Should I Refinance My Student Loans? includes a comparison of federal and private student loan benefits that we encourage the borrower to review.
  3. Citizens Bank Education Refinance Loan Eligibility: Eligible applicants may not be currently enrolled. Applicants with an Associate’s degree or with no degree must have made at least 12 qualifying payments after leaving school. Qualifying payments are the most recent on time and consecutive payments of principal and interest on the loans being refinanced. Primary borrowers must be a U.S. citizen, permanent resident or resident alien with a valid U.S. Social Security Number residing in the United States. Resident aliens must apply with a cosigner who is a U.S. citizen or permanent resident. The cosigner (if applicable) must be a U.S. citizen or permanent resident with a valid U.S. Social Security Number residing in the United States. For applicants who have not attained the age of majority in their state of residence, a cosigner will be required. Citizens Bank reserves the right to modify eligibility criteria at anytime. Interest rate ranges subject to change. Education Refinance Loans are subject to credit qualification, completion of a loan application/consumer credit agreement, verification of application information, certification of borrower’s student loan amount(s) and highest degree earned.
  4. Loyalty Discount Disclosure: The borrower will be eligible for a 0.25 percentage point interest rate reduction on their loan if the borrower or their co-signer (if applicable) has a qualifying account in existence with us at the time the borrower and their co-signer (if applicable) have submitted a completed application authorizing us to review their credit request for the loan. The following are qualifying accounts: any checking account, savings account, money market account, certificate of deposit, automobile loan, home equity loan, home equity line of credit, mortgage, credit card account, or other student loans owned by Citizens Bank, N.A. Please note, our checking and savings account options are only available in the following states: CT, DE, MA, MI, NH, NJ, NY, OH, PA, RI, and VT and some products may have an associated cost. This discount will be reflected in the interest rate disclosed in the Loan Approval Disclosure that will be provided to the borrower once the loan is approved. Limit of one Loyalty Discount per loan and discount will not be applied to prior loans. The Loyalty Discount will remain in effect for the life of the loan.
  5. Automatic Payment Discount Disclosure: Borrowers will be eligible to receive a 0.25 percentage point interest rate reduction on their student loans owned by Citizens Bank, N.A. during such time as payments are required to be made and our loan servicer is authorized to automatically deduct payments each month from any bank account the borrower designates. Discount is not available when payments are not due, such as during forbearance. If our loan servicer is unable to successfully withdraw the automatic deductions from the designated account three or more times within any 12-month period, the borrower will no longer be eligible for this discount.
  6. Co-signer Release: Borrowers may apply for co-signer release after making 36 consecutive on-time payments of principal and interest. For the purpose of the application for co-signer release, on-time payments are defined as payments received within 15 days of the due date. Interest only payments do not qualify. The borrower must meet certain credit and eligibility guidelines when applying for the co-signer release. Borrowers must complete an application for release and provide income verification documents as part of the review. Borrowers who use deferment or forbearance will need to make 36 consecutive on-time payments after reentering repayment to qualify for release. The borrower applying for co-signer release must be a U.S. citizen or permanent resident. If an application for co-signer release is denied, the borrower may not reapply for co-signer release until at least one year from the date the application for co-signer release was received. Terms and conditions apply.
  7. Estimated average savings amount is based on 14,659 Education Refinance Loan customers who saved on loans between August 1, 2017 and July 31, 2018. The calculation is derived by averaging monthly savings across Education Refinance Loan customers whose payment amounts decreased after refinancing, calculated by taking the monthly payment prior to refinancing minus the monthly payment after refinancing. We excluded monthly savings from customers that exceeded $4,375 and were lower than $20 to minimize risk of data error skewing the savings amounts. Savings will vary based on interest rates, balances and remaining repayment term of loans to be refinanced. Borrower’s overall repayment amount may be higher than the loans they are refinancing even if monthly payments are lower.

2.47% – 6.99%3Undergrad
& Graduate
Visit SoFi
2.47% – 5.87%1Undergrad
& Graduate
Visit Earnest
2.47% – 8.03%4Undergrad
& Graduate
Visit Lendkey
2.95% – 6.37%2Undergrad
& Graduate
Visit Laurel Road
2.48% – 6.25%5Undergrad
& Graduate
Visit CommonBond
2.72% – 8.32%6Undergrad
& Graduate
Visit Citizens
Our team at Student Loan Hero works hard to find and recommend products and services that we believe are of high quality and will make a positive impact in your life. We sometimes earn a sales commission or advertising fee when recommending various products and services to you. Similar to when you are being sold any product or service, be sure to read the fine print understand what you are buying, and consult a licensed professional if you have any concerns. Student Loan Hero is not a lender or investment advisor. We are not involved in the loan approval or investment process, nor do we make credit or investment related decisions. The rates and terms listed on our website are estimates and are subject to change at any time. Please do your homework and let us know if you have any questions or concerns.