So Fi has exploded onto the student loan scene over the past several years and has quickly become one of the largest players in the student loan refinancing and consolidation market.The company's products boast extremely competitive rates and they are known for their around the clock customer service.

The company's non-traditional underwriting process takes into account employment history, merit, financial history, and monthly income vs. So Fi has fairly strict credit criteria and targets people with good jobs, substantial income and have the proven ability to manage their budget and credit history.

Laurel Road is a division of DRB, a traditional bank located in Connecticut but consolidates federal and private loans in all 50 states.

This entails Earnest taking another look at your terms and seeing if it can give you a better quote.

Citizens Bank started as a small community bank and is now a leading name in the financial industry.

Earnest also offers the flexibility to switch between fixed and variable rates during the life of the loan should you want to exercise that option.

Note that switching can only take place once every 6 months.If you are considering refinancing or consolidating your loans, compare Leverage Rx endorsed student loan providers below.Lendkey is a marketplace lending platform that matches borrowers with over 300 community banks and credit unions all over the United States, providing services focused on student loan consolidation and refinancing.They offer student loan refinancing starting at a variable rate of 1.90% APR and personal loans starting at 4.25% APR.Earnest offers unemployment protection that allows deferred payments up to three months at once, and for a total of 12 months over the life of your loan.Earnest is a relatively new lender and offers merit-based loans instead of credit based ones.