⚠️ Advertiser Disclosure: WiseIQ is reader-supported. We may earn a commission when you click links to our partners. This does not affect our editorial independence or the rates you receive.
680 opens up competitive private loan options that can beat federal rates for some borrowers. Compare federal vs. private carefully, especially for graduate school.
Our Top Picks for 680 Credit Score
Best Rate at 680
Earnest
APR Range4.45% – 9.99%
Min. Credit Score650
Why we recommend it: Earnest offers some of the lowest private student loan rates for 680+ borrowers, with flexible repayment and no fees.
Check Your Rate →
Best for Undergrads
College Ave
APR Range5.99% – 9.99%
Min. Credit Score640
Why we recommend it: College Ave's competitive rates and co-signer release option make it the top choice for undergraduate borrowers at 680.
Check Your Rate →
Best for Refinancing
SoFi Student Loans
APR Range4.99% – 9.99%
Min. Credit Score650
Why we recommend it: SoFi's member benefits (career coaching, unemployment protection) and competitive rates make it a strong choice for 680 borrowers.
Check Your Rate →
Frequently Asked Questions
What private student loan rate can I get at 680?
680 borrowers typically qualify for 6–10% APR from private lenders. The best rates come from Earnest and SoFi. With a co-signer, rates can drop to 4–6%.
Is it worth refinancing federal loans into private at 680?
Only if you don't need income-driven repayment or forgiveness. If you're in a stable career and don't expect to need federal protections, refinancing at 680 can save significant interest.
How much can I save by refinancing at 680 vs. keeping federal loans?
On $50,000 in federal loans at 8.08% (grad rate), refinancing to 6.5% private saves about $760/year or $7,600 over 10 years.