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Lend Key operates in all but five states (Maine, North Dakota, Nevada, Rhode Island and West Virginia) for borrowers with a credit score of 680 or above.You’ll need a minimum ,000 per year income to qualify, but if you run into trouble with money you can tap into up to 18 months of unemployment protection and four years of interest only payments.So Fi borrowers are called members and get access to exclusive events, career coaches, wealth management services and more.

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So Fi operates in all 50 states and offers loans from ,000. So Fi offers competitive low rates, currently starting at 3.899 percent with automatic payments.About 44.5 million Americans live with student loans, and many among them struggle to keep up with multiple payments, high-interest rates and the overall burden of student debt.If that sounds familiar, student loan consolidation may be a great option to improve your monthly cash flow and save money on interest.You’ll need a 680 credit score or better and ,000 annual income to qualify, but if you do qualify you may get the best interest rate around.Coupled with no fees and up to 12 months of forbearance due to economic hardship, you can’t go wrong at ELFI.

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