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Massachusetts Educational Financing Authority (MEFA) doesn’t just offer private loans to those in Massachusetts; residents from any state can apply.
Borrowers who take out a MEFA Education Refinancing Loan get convenient online account access for loan payments as well as access to helpful videos and documentation.
Fixed interest rates range from 3.45%-9.62% (3.45%-9.62% APR) based on applicable terms, level of degree earned and presence of a co-signer.
Lowest rates shown are for eligible, creditworthy applicants with a graduate level degree, require a 5-year repayment term and include our Loyalty discount and Automatic Payment discounts of 0.25 percentage points each, as outlined in the Loyalty and Automatic Payment Discount disclosures.
We looked at interest rates, repayment terms, repayment options, fees, discounts, and maximum loan balances offered by lenders.
Some private student loan lenders will grant deferment or forbearance to borrowers facing financial difficulties on a case-by-case basis, but government student loans can be more lenient in that respect.
If you work for the government or a tax-exempt nonprofit, you may be able to qualify for Public Service Loan Forgiveness of your federal loans after 10 years of payments.
Methodology: Credible evaluated loan and lender data points in 10 categories to identify the "best companies" for refinancing and consolidating student loans.
We also considered each company's willingness to refinance parent loans, the level of customer service provided, their willingness to participate in a marketplace, and whether consumers could request rates with a soft credit check.
They allow borrowers to apply for cosigner release after 24 months of consecutive on-time payments.