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660 opens up competitive private loan options. For some borrowers, private loans at 660 can beat federal rates — especially graduate students facing 8.08% federal rates.
Our Top Picks for 660 Credit Score
Best Overall at 660
College Ave
APR Range6.99% – 11.99%
Min. Credit Score640
Why we recommend it: College Ave's rates at 660 are competitive with federal rates, with flexible repayment terms and a co-signer release option.
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Best for Refinancing
Earnest
APR Range4.45% – 15.90%
Min. Credit Score650
Why we recommend it: Earnest is the top refinancing option at 660, especially for graduate students with high federal PLUS loan rates.
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Most Flexible
Sallie Mae
APR Range4.50% – 15.70%
Min. Credit ScoreNo stated minimum
Why we recommend it: Sallie Mae's broad product range and flexible repayment options make it a strong choice for 660 borrowers.
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Frequently Asked Questions
Should I take private or federal student loans at 660?
For undergraduates, federal loans at 6.53% are still competitive with private rates at 660. For graduate students facing 8.08% federal rates, private loans at 7–8% may be better.
Can I refinance my student loans at 660?
Yes — Earnest and SoFi both work with 660 borrowers for refinancing. However, refinancing federal loans into private loans loses income-driven repayment and forgiveness options.
What's the best student loan strategy at 660?
Max out federal loans first (6.53% undergrad). If you need more, compare private lenders at 660. Consider a co-signer to get rates below 7%.