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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.
- College Ave
Min. Loan$1,000Fixed APR3.34%–12.99%Eligible DegreesUndergraduate & GraduateOffer Details
College Ave Student Loans products are made available through either Firstrust 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.
As certified by your school and less any other financial aid you might receive. Minimum $1,000.
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.
Information advertised valid as of 3/25/2021. Variable interest rates may increase after consummation. Lowest advertised rates require selection of full principal and interest payments with the shortest available loan term.
- Credible
Min. LoanVariesFixed APR3.34%–14.50%Eligible DegreesUndergraduate & GraduateOffer Details
Due to the nature of Credible’s student loan purchase and refinancing platform, we are unable to assign it a SimpleScore, as the rates, fees and loan amounts depend on the lender you choose from its marketplace.
Rates displayed include Automatic Payment and Loyalty Discounts, where applicable. Note that such discounts do not apply while loans are in deferment. The lenders on the Credible.com platform offer fixed rates ranging from 3.34% – 14.50% APR and Variable interest rates from 1.04% – 13.19% APR. Variable rates will fluctuate over the term of the borrower’s loan with changes in the LIBOR rate. Rates are subject to change at any time without notice. Your actual rate may be different from the rates advertised and/or shown above and will be based on factors such as the term of your loan, your financial history (including your cosigner’s (if any) financial history) and the degree you are in the process of achieving or have achieved. While not always the case, lower rates typically require creditworthy applicants with creditworthy co-signers, graduate degrees, and shorter repayment terms (terms vary by lender and can range from 5-20 years) and include Automatic Payment and Loyalty discounts, where applicable. Loyalty and Automatic Payment discount requirements as well as Lender terms and conditions will vary by lender and therefore, reading each lender’s disclosures is important. Additionally, lenders may have loan minimum and maximum requirements, degree requirements, educational institution requirements, citizenship and residency requirements as well as other lender-specific requirements.
- LendKey
Min. Loan$5,000Fixed APR4.25%–12.59%Eligible DegreesUndergraduate & GraduateOffer Details
Eligibility for federal, state and university funded financial aid is determined by completing the Free Application for Federal Student Aid (FAFSA). All students are strongly encouraged to apply for federal aid by completing the FAFSA, which can be obtained online at www.fafsa.ed.gov.
Students can check their eligibility for a private student loan with LendKey and our network of private student loan lenders by starting a student loan application.
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Alternatives to Chase student loans
| Lender | Fixed APR | Variable APR | Terms | Standout Feature |
| Discover Undergraduate Loan | 4.24%–12.99%1 | 1.24%–11.99%1 | 15 years | Cash reward for good grades1 |
| PNC Bank | 4.44%–9.59% | 1.98%–7.13% | 5–15 years | Co-signer release options |
| SoFi | 4.23%–11.26% | 1.87%–11.66% | 5–15 years | Four flexible repayment options |
| Earnest | as low as 3.49% | as low as 1.05% | Up to 15 years | Up to 9-month grace period |
| CommonBond | 3.74%–10.74% | 3.80%–9.36% | 5–20 years | Longest repayment period options |
*Rates accurate as of April 2021
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. 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% cash reward2. 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.
2Get a cash reward on each new Discover undergraduate and graduate student loan when you earn at least a 3.0 GPA (or equivalent) in any academic period covered by the loan. Limitations Apply. Visit DiscoverStudentLoans.com/Reward for terms and conditions.
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 1.05%, and fixed rates are available as low as 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.
This content is not provided or commissioned by any financial institution. Any opinions, analyses, reviews or recommendations expressed in this article are those of TheSimpleDollar.com, and may not have been reviewed, approved or otherwise endorsed by the financial institution.
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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.
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Reviewed by
Courtney Mihocik
Loans EditorCourtney Mihocik is an editor at The Simple Dollar who specializes in personal loans, student loans, auto loans, and debt consolidation loans. She is a former writer and contributing editor to Interest.com, PersonalLoans.org, and elsewhere.
