How to Check Your Credit Score for Free
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Your credit history determines what loans you will qualify for and the interest rate you will pay. Lenders get your credit history by obtaining your credit score.

You’ll most likely need to borrow funds from a lender at some point. This is why your credit score is such an important component to the student loan refinancing process.

Paying Student Loans

What is a credit score?

A credit score provides an easy way for lenders to numerically judge your credit at a point in time. It gauges how likely you are to repay your loan in a timely manner.

Are You Eligible to Refinance Your Student Loans?

BankTerms
credible review

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Find out by applying for prequalification rates through the Credible online lender marketplace.

The better your history appears, the more attractive you become as a loan customer.

Why is my credit score important?

Most people know that a good credit score is important but most people don’t realize HOW important.  If you’re striving to be financially independent I’d say that having a high credit score is essential.  

Why?

Because having a high credit score impacts nearly everything that’s important in the quest for FIRE.  

“But what if I am debt free and don’t need credit?” someone might say.  

Fair enough. Let’s take a look.

By checking your credit score and working to fix any discrepancies or building it higher you can pay less in interest, which will increase your net worth.

How to check your credit score for free

If you don’t know your credit score, you can use free services like Credit Sesame that gives you your score for free. You can find out your score in under a minute!

Click here to find out your credit score for free.

Your credit history determines what loans you will qualify for and the interest rate you will pay. Lenders get your credit history by obtaining your credit score.

If you wanted more information about about getting your score for free you can check out CreditSesame.com or read this detailed Credit Sesame review.

Have you found other ways to get your credit score for free? Let us know!

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Are You Eligible to Refinance Your Student Loans?

LenderAPR RangesDetails
refinance student loans2.54-7.43%

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Commonbond Details

  • Variable APR: 2.54% to 7.43%
  • Fixed APR: 3.67 to 7.25%
  • Loan Types: Variable and Fixed
  • Terms: 5, 7, 10, 15, 20
  • Eligible Degrees: Undergrad and Graduate
  • Eligible Loans: Private and Federal
earnest
2.54% – 7.89%

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Earnest Details

  • Variable APR: 2.54% to 7.27%
  • Fixed APR: 3.89% to 7.89%
  • Loan Types: Variable and Fixed
  • Terms: 5 – 10
  • Eligible Degrees: Undergrad and Graduate
  • Eligible Loans: Private and Federal
lendkey2.70-8.96%

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LendKey Details

  • Variable APR: 2.70% to 8.96%
  • Fixed APR: 3.49% to 8.93%
  • Loan Types: Variable and Fixed
  • Terms: 5, 7, 10, 15, 20
  • Eligible Degrees: Undergrad and Graduate
  • Eligible Loans: Private and Federal
Sofi
2.54% – 8.07%

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SoFi Details

  • Variable APR: 2.80% to 7.91%
  • Fixed APR: 2.54% to 8.07%
  • Loan Types: Variable and Fixed
  • Terms: 5, 7, 10, 15, 20
  • Eligible Degrees: Undergrad and Graduate
  • Eligible Loans: Private and Federal
refinance student loans3.23-7.02%

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Laurel Road Details

  • Variable APR: 3.23% to 6.65%
  • Fixed APR: 3.50% to 7.02%
  • Loan Types: Variable and Fixed
  • Terms: 5, 7, 10, 15, 20
  • Eligible Degrees: Undergrad and Graduate
  • Eligible Loans: Private and Federal