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780 is top-tier for student loans. You'll receive the best rates from every private lender. The focus should be on finding the lowest rate and optimal loan structure.
Our Top Picks for 780 Credit Score
Best Rate
Earnest
APR Range4.45% – 6.49%
Min. Credit Score650
Why we recommend it: Earnest's top-tier rates for 780+ borrowers are the lowest available from any private student lender.
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Lowest APR
Splash Financial
APR Range4.49% – 6.24%
Min. Credit Score700
Why we recommend it: Splash Financial's network produces the lowest refinancing rates for 780+ borrowers consistently.
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Best Benefits
SoFi Student Loans
APR Range4.99% – 6.49%
Min. Credit Score650
Why we recommend it: SoFi's member benefits and competitive rates make them a top choice for 780 borrowers with large loan balances.
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Frequently Asked Questions
What student loan rate can I get with a 780 credit score?
780 borrowers get the best available private rates — 4.49–5.25% from top lenders. This is near the floor for private student loan rates.
Is there any benefit to improving from 780 to 800 for student loans?
Negligible. Most lenders have already given you their best rate tier at 780. The rate difference is 0.1% or less.
What's the total savings from refinancing $100,000 at 780 vs. keeping federal loans?
Refinancing $100,000 from 8.08% federal to 5% private saves $3,080/year or $30,800 over 10 years.