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Student Loan Finder

Find and compare loans from multiple lenders side-by-side.

College Raptor’s Student Loan Finder is fast and easy – and it doesn’t require a Social Security number or credit check. This means you can compare options safely without worrying about hurting your credit score. Start your private student loan search today.

Start here to compare your student loan options!

Fields marked with an asterisk (*) are required.

Who are you?*
What is the student’s current level of study? *
What college will the student be attending? *
How much money needs to be borrowed? *
When will the funds be needed?*
When will the student finish this degree? *
What is the student’s ZIP code? *
What is the desired repayment plan?*
Has the FAFSA been filed?
Are you a US citizen?
Do you have a US citizen to co-sign?
Credit Rating *

Use our student loan finder to understand loan options that will help keep college costs at a practical amount for you. Here’s how you can get started:

  • 1. Answer the short list of questions below. Your responses will provide us with information about you and your unique borrowing needs that will help us find the best student loan options for your unique situation.
  • 2. Verify that you are not a robot.
  • 3. Click the "Search Now" button.

You will then receive your recommended student loan options. Analyze them side-by-side using our comparison tool to see what is best for you. It’s that simple!

With College Raptor, low rates and transparency always win. We showcase the best, most affordable options that fit your needs and highlight lenders that give a precise estimate of the rate you’ll actually be paying, so you can be in full control of your loans.

The Benefits of Using College Raptor’s Student Loan Finder

If you discover you don’t have enough money to pay for college, our Student Loan Finder can help you easily compare loan options. Some of the benefits include:

  • It’s straightforward, easy, and fast.
  • It’s highly customizable to fit your unique financial circumstances.
  • You can quickly compare your options including interest rates, APR, loan terms, and monthly payments.
  • We let you know which lenders provide the most accurate information.
  • You don’t need a credit check to explore your options so your credit score won't be affected!

Why Should You Complete your FAFSA First?

While the Student Loan Finder can help you afford college, you should always start your college financial journey with the Free Application for Federal Student Aid (FAFSA) from the United States Department of Education. Even if you think you won’t qualify for any financial assistance because of your or your parent’s income, it is always worth filling out! Students can qualify for Federal Direct Student Loans regardless of income level.

The FAFSA is used to determine federal student loans and grant aid. Federal student loans tend to have lower interest rates than other sources. Colleges, universities, and scholarship programs may also use your application to determine whether or not you qualify for grants and other awards that are need-based.

When Should You Take Out Private Student Loans?

For many students, however, federal student loans, scholarships, and institutional grant aid aren't enough to cover the full cost of college. From tuition to housing, to books and personal expenses, there’s no doubt that higher education is expensive. Private student loans can help you cover the gap between the cost of college and the aid you’ve already received.

Do Students Need a Co-Signer for Private Student Loans?

Students who are just graduating college rarely have built up their credit score sufficiently to be approved for private loans directly. Many private lenders, therefore, require students to have co-signers in order to take out student loans. A co-signer with a good financial history will typically receive lower interest rates offers from private lenders.

Why is a High Credit Score Important for Student Loans?

Although your credit score won’t affect the interest rate on federal student loan offers, it will have a big impact on your private student loans. This number can be used to determine just how much money you qualify for as well as your interest rate. For private student loans, the higher your credit score, the lower your interest rate typically is! Lower interest rates will save you money over time, especially if you have a longer loan term.

Get Started Today with the Student Loan Finder!

If you’ve discovered that the cost of college is out of reach with current loan offers and scholarships, it’s time to use our Student Loan Finder to help you find the best loans, terms, interest rates, and options for your financial goals. Use the Finder Tool above to get started and begin comparing your student loan options!

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