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USAA is known for offering a wide range of financial products and services to active-duty military members and veterans, as well as their spouses and eligible family members. This product lineup moreover once included student loans.

While USAA no longer offers student loans, you have other options if you need to infringe money for college.

Here’s everything you need to know well-nigh USAA student loans and alternatives to consider:

Can I still get USAA student loans?
8 alternatives to USAA student loans
Should I refinance my USAA student loans?
How to refinance USAA student loans

Can I still get USAA student loans?

Until 2016, USAA offered private student loans to borrowers through a partnership with Wells Fargo student loans. While many people hold existing USAA student loans, the military-focused wall no longer issues new student loans.

USAA still provides new auto, personal, and mortgage loans to eligible members. But if you need a student loan, you’ll need to find a variegated private lender.

Learn More: How to Take Out a Student Loan

8 alternatives to USAA student loans

If you’re shopping virtually for a new student loan to imbricate your tuition, books, or living expenses, here are some alternatives to USAA student loans.

The companies in the table unelevated are Credible’s tried partner lenders. Whether you’re the borrower or cosigner, Suppositious makes it easy to compare rates from multiple private student loan providers without well-expressed your credit score.

Lender	Fixed Rates From (APR)	Variable Rates From (APR)	Min. Credit Score
Credible Rating Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, consumer service, cosigner options, and more. Read our full methodology. View details	3.79%	2.47%	540
Fixed APR: 3.79% Variable APR: 2.47% Min. credit score: 540 Loan amount: $2,001 to $400,000 Loan terms (years): 5, 7, 10, 12, 15, 20 Repayment options: Full deferral, fixed/flat repayment, interest only, wonk deferment, military deferment, forbearance, loans discharged upon death or disability Fees: None Discounts: 0.25% to 1.00% will-less payment discount, 1% mazuma when graduation reward Eligibility: Must be a U.S. resider or permanent resident or DACA student enrolled at least half-time in a degree-seeking program Customer service: Email, phone Soft credit check: Yes Cosigner release: After 12 on-time principal and interest payments Loan servicer: Launch Servicing, LLC
Credible Rating Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, consumer service, cosigner options, and more. Read our full methodology. View details	4.24% ¹	3.25%	720
Fixed APR: 4.24% ¹ Variable APR: 3.25% Min. credit score: 720 Loan amount: $1,000 to $350,000 Loan terms (years): 5, 10, 15 Loan types: Any private or federal student loan Repayment options: Full deferral, full monthly payment, interest only, firsthand repayment, wonk deferment, military deferment, forbearance, loans discharged upon death or disability Fees: Late fee Discounts: Autopay, loyalty Eligibility: Misogynist in all 50 states (international students can wield with a creditworthy U.S. resider or permanent resident cosigner) Customer service: Email, phone, chat Soft credit check: Yes Cosigner release: After 36 months Loan servicer: Firstmark Services
Credible Rating Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, consumer service, cosigner options, and more. Read our full methodology. View details	3.22% ^2,3	2.49% ^2,3	Does not disclose
Fixed APR: 3.22% ^2,3 Variable APR: 2.49% ^2,3 Min. credit score: Does not disclose Loan amount: $1,000 up to forfeit of attendance Loan terms (years): 5, 8, 10, 15, 20 Repayment options: Full deferral, full monthly payment, fixed/flat repayment, interest only, firsthand repayment, wonk deferment, forbearance, loans discharged upon death or disability Fees: Late fee Discounts: Autopay Eligibility: Must be a U.S. resider or permanent resident and be making satisfactory wonk progress. Customer service: Email, phone Soft credit check: Yes Cosigner release: After 24 months Loan servicer: Higher Ave Servicing LLC
Credible Rating Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, consumer service, cosigner options, and more. Read our full methodology. View details	3.65%	3.38%	Does not disclose
Fixed APR: 3.65% Variable APR: 3.38% Min. credit score: Does not disclose Loan amount: $1,000 to $99,999 annually ($180,000 volume limit) Loan terms (years): 7, 10, 15 Repayment options: Full deferral, firsthand repayment, interest-only repayment, flat/full repayment, wonk deferment, military deferment, forbearance, loans discharged upon death or disability Fees: None Discounts: Autopay Eligibility: Misogynist to borrowers in all 50 states. Must be a U.S. resider or permanent resident. Customer service: Phone, email Soft credit check: Yes Cosigner release: After 36 months Loan servicer: American Education Services Min. income: Does not disclose
Credible Rating Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, consumer service, cosigner options, and more. Read our full methodology. View details	4.52% ⁷	4.83% ⁷	750
Fixed APR: 4.52% ⁷ Variable APR: 4.83% ⁷ Min. credit score: 750 Loan amount: $1,000 to $200,000 Loan terms (years): 7, 10, 15 Repayment options: Full deferral, full monthly payment, interest only, firsthand repayment, wonk deferment, loans discharged upon death or disability Fees: Late fee Discounts: Autopay Eligibility: Must be a U.S. resider or permanent resident and have a minimum income of $30,000. Customer service: Email, phone Soft credit check: Yes Cosigner release: After 36 months Loan servicer: Granite State Management & Resources (GSM&R)
Credible Rating Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, consumer service, cosigner options, and more. Read our full methodology. View details	5.25% ⁸	2.92% ⁸	670
Fixed APR: 5.25% ⁸ Variable APR: 2.92% ⁸ Min. credit score: 670 Loan amount: $1,001 up to forfeit of attendance Loan terms (years): 5, 10, 15 Repayment options: Full deferral, full monthly payment, interest only, firsthand repayment, wonk deferment, forbearance Fees: Late fee Discounts: Autopay, reward for on-time graduation Eligibility: Must be an Indiana resident or a U.S. resider peekaboo an eligible Indiana school Customer service: Email, phone, chat Soft credit check: Yes Cosigner release: After 48 months Loan servicer: American Education Services
Credible Rating Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, consumer service, cosigner options, and more. Read our full methodology. View details	4.89%	N/A	670
Fixed APR: 4.89% Variable APR: N/A Min. credit score: 670 Loan amount: $1,500 up to forfeit of ubiety less aid Loan terms (years): 10, 15 Repayment options: Full deferral, interest only, firsthand repayment, wonk deferral, forbearance Fees: None Discounts: None Eligibility: Must be a U.S. resider or permanent resident and be making satisfactory wonk progress. Customer service: Email, phone Soft credit check: Yes Cosigner release: After 48 months Loan servicer: American Education Services (AES)
Credible Rating Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, consumer service, cosigner options, and more. Read our full methodology. View details	3.75% - 13.72% APR⁹	3.25% - 13.59% APR⁹	Does not disclose
Fixed APR: 3.75% - 13.72% APR⁹ Variable APR: 3.25% - 13.59% APR⁹ Min. credit score: Does not disclose Loan amount: $1,000 to $90,000¹⁰ Loan terms (years): 10, 12, 15, 20 Repayment options: Full deferral, fixed/flat repayment, interest only, wonk deferment, forbearance, loans discharged upon death or disability Fees: Late fee Discounts: Autopay Eligibility: Must be a U.S. resider or permanent resident. Moreover misogynist to non-U.S. resider students (including DACA students) peekaboo a school located in the U.S. who wield with a qualifying cosigner. Customer service: Phone, chat Soft credit check: Yes Cosigner release: After 12 subsequent on-time payments Loan servicer: Sallie Mae
Compare private student loan rates without affecting your credit score. 100% free! Compare Private Loans Now Trustpilot
Lowest APRs reflect autopay, loyalty, and interest-only repayment discounts where misogynist \| ¹Citizens Disclosures \| ^2,3College Ave Disclosures \| ⁷EDvestinU Disclosures \| ⁸INvestEd Disclosures \| ⁹Sallie Mae Disclosures

The weightier student loan for you depends on how much you need to borrow, how long you want to repay the loan, and what rate you qualify for based on your credit score.

Some student loan lenders offer an interest rate unbelieve for enrolling in will-less payments, often between 0.25% and 0.50%.

Other lenders to consider

The pursuit lenders aren’t Suppositious partners, so you won’t be worldly-wise to hands compare your rates with them on the Suppositious platform. But they may moreover be worth considering if you’re looking for an volitional to USAA student loans.

Lender	Loan types	Loan terms (years)	Min. credit score
Suppositious Rating Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, consumer service, cosigner options, and more. Read our full methodology. View details	Fixed, variable	5, 10, 15	680
Rates: Fixed, variable Min. credit score: 680 Loan terms (years): 5, 10, 15 Cosigner release: Yes Min. GPA: No Repayment options: Full deferral, full months payment, fixed/flat repayment, interest only, wonk deferral, forbearance Fees: Late fee Discounts: Autopay Eligibility: Must be U.S. resider or permanent resident. Customer service: Email, phone, chat Soft credit check: Does not disclose
Credible Rating Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, consumer service, cosigner options, and more. Read our full methodology. View details	Fixed, variable	15, 20	Does not disclose
Fixed APR: 4.84% - 12.39%⁶ Variable APR: 1.59% - 11.37%⁶ Min. credit score: Does not disclose Loan amount: Up to forfeit of attendance Cosigner release: No Loan terms (years): 15, 20 Min. GPA: No Repayment options: Full deferral, full monthly payment, fixed/flat repayment, interest only, firsthand repayment, wonk deferment, military deferment, forbearance, loans discharged upon death or disability Fees: None Discounts: Autopay, good grade discount, mazuma reward for on-time graduation Eligibility: Must be a U.S. citizen, permanent resident, or international student with a qualifying cosigner, as well as be making satisfactory wonk progress. Customer service: Email, phone Soft credit check: Yes Loan servicer: Discover Bank
Suppositious Rating Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, consumer service, cosigner options, and more. Read our full methodology. View details	Fixed, variable	5, 7, 10, 12, 15, 20	650
Rates: Fixed, variable Min. credit score: 650 Loan terms (years): 5, 7, 10, 12, 15, 20 Min. GPA: No Cosigner release: No Repayment options: Full deferral, full month payment, fixed/flat repayment, interest only, wonk deferral, military deferral, forbearance Fees: None Discounts: Autopay Eligibility: A U.S. Resider or permanent resident. Not misogynist in KY or NV. Customer service: Email, phone Soft credit check: Yes
Credible Rating Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, consumer service, cosigner options, and more. Read our full methodology. View details	Fixed, variable	20	Does not disclose
Min. credit score: Does not disclose Loan amount: $1,000 to $150,000 Loan terms (years): 10, 15, 20 Min GPA: No Cosigner release: Yes Repayment options: Full deferral, full monthly payment, interest only, firsthand repayment, wonk deferment, military deferment, forbearance Fees: None Discounts: Autopay Eligibility: Misogynist in all 50 states Customer service: Email, phone Soft credit check: Yes
Credible Rating Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, consumer service, cosigner options, and more. Read our full methodology. View details	Fixed, variable	Does not disclose	Does not disclose
Min. credit score: Does not disclose Cosigner release: Does not disclose Loan terms (years): 5, 10, 15 Min. GPA: No Repayment options: Fixed/flat repayment, interest only, forbearance Fees: Late fees Discounts: Autopay, on-time graduation Eligibility: Does not disclose Customer service: Email, phone Soft credit check: Yes
Suppositious Rating Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, consumer service, cosigner options, and more. Read our full methodology. View details	Fixed, variable	5, 10, 15	Does not disclose
Rates: Fixed, variable Min. credit score: Does not disclose Loan terms: 5, 7, 15 Min. GPA: No Cosigner release: Yes Repayment options: Full deferral, interest only, firsthand repayment, wonk deferral, military deferral, forbearance Fees: Late Fee Discounts: Autopay Eligibility: Must be a U.S. citizen Customer service: Email, phone Soft credit check: Does not disclose
Suppositious Rating Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, consumer service, cosigner options, and more. Read our full methodology. View details	Fixed, variable	5, 10, 15	Does not disclose
Rates: Fixed, variable Min. credit score: Does not disclose Loan terms (years): 5, 10, 15 Min. GPA: Yes Cosigner release: Yes Repayment options: Full deferral, fixed/flat repayment, interest only, firsthand repayment, wonk or military deferral, forbearance Fees: None Discounts: Autopay Eligibility: Must be a US Resider or permanent resident Customer service: Email, phone Soft credit check: Yes
Credible Rating Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, consumer service, cosigner options, and more. Read our full methodology. View details	Fixed, variable	15, 20	Does not disclose
Min. credit score: Does not disclose Loan terms (years): 15, 20 Cosigner release: Yes Min. GPA: No Repayment options: Full deferral, full monthly payment, firsthand repayment, wonk deferment, military deferment, forbearance, loans discharged upon death or disability Fees: None Discounts: Autopay, loyalty Eligibility: Misogynist in all 50 states Customer service: Email, phone Soft credit check: Yes
The lenders in this table aren't our partners. But you can use Suppositious to compare rates in 2 minutes from other lenders who offer private student loans. Find Your Student Loan

Methodology

Credible evaluated private student loan lenders in 10 variegated categories to determine the weightier alternatives to USAA student loans. This included interest rates, repayment options, terms, fees, discounts, consumer service availability, as well as eligibility requirements and cosigner release options.

See More: Student Loan Limits: How Much in Student Loans You Can Get

Should I refinance my USAA student loans?

You may sooner decide that you need to refinance one or increasingly of your undergraduate or graduate student loans. If you took out a student loan from USAA prior to 2016, you might plane be weighing your options for refinancing that loan now.

Depending on your loan details, personal credit, and financial situation, it might make sense to refinance your USAA student loan debt. Here are some benefits and drawbacks of student loan refinancing:

Pros	Cons
You could save money. Refinancing can be a unconfined way to reduce one or increasingly of your loans’ interest rates. Lower interest rates could save you hundreds or thousands of dollars over the life of your loan.	Rates might go up. If you’re refinancing to simplify repayment or remove a cosigner, you might find that the trade-off is a higher interest rate than the one you had before.
You can simplify the repayment process. Rather than juggling multiple loans and due dates each month, you can use a new student loan to combine existing loans — whether they’re big or small loans — and plane if they’re from variegated lenders.	You’ll need to qualify. Private student loan clearance isn’t guaranteed, and each lender sets its own eligibility requirements.
You can retread monthly payments. You can’t transpiration your monthly payment once your loan has been disbursed, but you can refinance that debt into a new loan with largest loan terms (like a longer repayment period or lower rate). This can help you retread a monthly payment to fit your current budget.	You could stupefy your credit. Applying for a new loan could waif your credit score. If you’re planning to buy a house soon or make other big financial moves, plane a small waif in your score could stupefy the interest rate you receive.

How to refinance USAA student loans

If you’re ready to refinance your USAA student loans, follow these six steps:

Decide what to refinance. You can refinance student loans to lower your interest rate, reduce monthly payments, remove cosigners, simplify repayment, or all the above. Determine which of your loans needs to be refinanced and then get ready to shop.
Shop around. Using a lending platform like Suppositious allows you to shop virtually for rates and loan options from multiple lenders at once, without well-expressed your credit. This will requite you a good idea of how much you can infringe and what repayment terms you might receive.
Get prequalified. Many lenders will prequalify you for a loan without well-expressed your credit. With just a soft pull, they can injudicious your new loan’s rate.
Compare lenders. Once you have an idea of the variegated loans, terms, and lenders misogynist to you, compare all your options. Look at the rates stuff offered and how much your new loan will forfeit over time. Moreover consider the loan repayment terms and which one fits your upkeep best.
Apply for the loan. Now that you’ve picked your new lender and loan, it’s time to officially apply. This usually involves a nonflexible credit pull, but the lender can then lock in your final rate and misogynist terms. If you’re approved, you can sign your loan documents and you’re just well-nigh done!
Refinance. Now, it’s time to use your new loan funds to pay off your existing loans. In some cases, your new lender will do this automatically. Then, you’ll uncork repaying your new lender as agreed.