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Chase Student Loans Alternatives
If you found your way here searching for “Chase student loans” or looking for a Chase student loans review, we have some good and some bad news. The bad news is that if you had your heart set on the Chase student finance department covering your educational costs, you’re out of luck. Recently, the bank stopped offering student loans and sold them all to Navient.
But we promised you some good news: You still have options. Many other banks and online lenders offer some of the best student loans to cover undergrad programs, graduate degrees, professional schooling, debt consolidation and more. Whatever your educational funding needs may be — you’ll find a solution here.
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Alternatives to Chase student loans
Lender | Fixed APR | Variable APR | Terms | Standout Feature |
Discover | 4.59%–12.99% | 1.59%–11.99% | 15 years | Cash reward for good grades |
PNC Bank | 4.49%–9.64% | 2.92%–8.07% | 5–15 years | Co-signer release options |
SoFi | 4.23%–11.76% | 1.87%–11.66% | 5–15 years | Four flexible repayment options |
Earnest | Starting at 3.49% | Starting at 1.24% | Up to 15 years | Up to 9-month grace period |
CommonBond | 6.98–10.74% | 6.6%–9.41% | 5–20 years | Longest repayment period options |
*Rates accurate as of November 2020
Discover Disclosure: 1. Lowest APRs shown for Discover Student Loans are available for the most creditworthy applicants for undergraduate loans and include a 0.25% interest rate reduction while enrolled in automatic payments.
Got good grades? Show them off to Discover and get cash for your A’s.
While many people know Discover for its credit card offerings, some people are unaware that the company offers a robust line of other products, including student loans. Discover has loans for undergrads, grads, MBAs, law school, medical schooling, residency, parent loans and the bar exam. Additionally, debt consolidation options are available for people who already have outstanding loans.
What’s great about Discover student loans is you can earn a one-time cash reward for having good grades. Earn good enough grades (over a 3.0 GPA) in a semester and get up to 1% cashback. Additionally, incoming freshmen can earn this reward based on their high school GPA.
If you’re looking for great rates, flexible options and some sweet rewards for good grades, check out Discover student loans.
Once you graduate, you may not have to pay for your own phone bill, but at least you don’t need mom and dad on your loans anymore — cosigner release is available after 48 payments.
PNC Bank is one of our favorite lenders when it comes to people needing a cosigner. Chances are that if you’re just getting started out in life (as most students are), you’re not going to have a ton of credit built up. Thankfully, student loan lenders like PNC Bank will let someone with better credit cosign to help you get your loan. Then, after 48 successful payments, you can apply to release the cosigner from the loan. Trust us when we say that mom and dad will be pleased to see you taking this big stride forward as a responsible adult.
Aside from this, PNC Bank’s private student loan offerings are quite expansive. You can get variable or fixed rates on undergrad loans, graduate loans, medical school and residency loans and even coverage for the costs of taking the bar exam. PNC Bank’s private student loans could be a viable candidate for your school funding needs.
Join the SoFi club via student loans and get access to financial advisors and career-coaching. It’s perfect for the career-focused college grad.
The first thing that stands out about SoFi student loans is the flexible repayment options you’ll have while in school. Choose between deferred, interest-only, partial or immediate payments. If you’re worried about the size of your payments while in school, the partial payment option only requires a $25 monthly payment while you’re enrolled, which should be affordable for most students.
There are two other things that stand out about SoFi makes this lender a strong contender for your student loan provider. First, it only takes three minutes to get a rate quote. Second, the lender offers unemployment protection in case you lose your job while you’re repaying your loan. Forbearance is available in three-month blocks up to one year. Additionally, SoFi will help you with your job search.
If you’re looking for an affordable student loan with small payment options during schooling and protection in case you lose your job after school, look into SoFi student loans.
No fees? No problem. Get a 9-month grace period after graduating and experience no fees on your student loans — yes, even late fees.
If you came here searching for Chase student loan rates, then you’re probably someone who wants to save as much as possible on your student loan costs. Determined money saver, meet Earnest. Earnest variable rates start as low as 1.24%, and fixed rates are available from 3.49%.
What’s also great about student loans from Earnest is a nine-month grace period for payments after you graduate. With most lenders, this is only six months. While you might not need the extra time to find a job, it’s nice to know the option is there if you need it.
Additionally, Earnest loans are available for as little as $1,000, which is ideal if you only need a little help with school. Most other lenders start at a minimum of $5,000. Loans are available through Earnest for undergraduate schooling, grad school, business school, medical school and law school.
You can take out a student loan for college knowing that you’re helping Commonbond build schools across the Atlantic through its Pencils of Promise program.
Ideally, you want to pay your student loans off as quickly as possible. However, if you really want to keep lower payments and are OK with the added interest cost over time, you may want to consider CommonBond. Where most lenders cap out student loan repayment at 15 years, CommonBond lets you take up to 20 years to pay back the money you borrow.
The lower end of the rates with CommonBond may be a little higher than some of the other offers here. However, the higher end of the range is considerably lower than other student loan lenders. This might signal a favorable opportunity for borrowers with less-than-great credit or a cosigner that fits that description.
CommonBond student loans also offer four repayment options, a 6-month grace period and up to 12 months of loan forbearance if needed.
Chase Bank loans
While the bank doesn’t cover the costs of schooling anymore, Chase loans are available for a wide range of other products. The bank, the largest in the country by assets, offers home loans, auto loans, and credit card options. For all of these loan options, there is one word to describe your choices—robust. Clearly, one of the ways that Chase Bank made its way to the top of the industry was by offering one of the widest arrays of product options on the market.For example, the bank offers mortgages, refinancing and home equity lines of credit (HELOCs) with plenty of options for customization and competitive rates. While rates are dependent on a lot of factors, home mortgages in most areas are well under the 3% APR rate mark.
Too long, didn’t read?
Chase no longer offers student loans, as all loans were recently sold to Navient. But many other companies like Discover, PNC Bank, SoFi, Earnest and CommonBond offer plenty of high-quality student loan options for all levels of schooling.
We welcome your feedback on this article and would love to hear about your experience with the student loans we recommend. Contact us at inquiries@thesimpledollar.com with comments or questions.