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700 qualifies you for competitive private student loan rates. For graduate borrowers with high federal rates, private loans at 700 can offer significant savings.
Our Top Picks for 700 Credit Score
Best Rate at 700
Earnest
APR Range4.45% – 8.99%
Min. Credit Score650
Why we recommend it: Earnest offers their best rates to 700+ borrowers with flexible repayment options and no origination fee.
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Best Benefits
SoFi Student Loans
APR Range4.99% – 8.99%
Min. Credit Score650
Why we recommend it: SoFi's member benefits — career coaching, unemployment protection, and financial planning — add significant value beyond just the loan rate.
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Best for Undergrads
College Ave
APR Range5.49% – 8.99%
Min. Credit Score640
Why we recommend it: College Ave's competitive rates and flexible terms make it a top choice for 700 undergraduate borrowers.
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Frequently Asked Questions
What student loan rate can I get with a 700 credit score?
700 borrowers qualify for 5.5–9% APR from top private lenders. Earnest and SoFi offer the best rates. This is competitive with or better than federal graduate rates (8.08%).
Should I refinance my student loans at 700?
If you have federal loans at 8.08% (grad rate) or higher, refinancing to 5.5–7% at 700 can save thousands. However, you lose federal protections — weigh this carefully.
What's the best student loan strategy at 700?
Undergrads: max federal loans (6.53%) first, then private. Grad students: compare private rates at 700 vs. federal PLUS rates (8.08%) — private may be better.