Student Loan Refinance & Personal Loans | Parse

Student Loan Refinance & Personal Loans in AI answers

Data as of Oct 18, 2026Based on 363 AI responsesReviewed by Dimitry Apollonsky

AI summary

SoFi holds a clear lead, frequently recommended for online applications, fixed-rate refinancing, and personal loan consolidation. Earnest is the usual answer when borrowers require co-signer release without upfront fees.

Most-mentioned brands

Rank and Mentioned in · since Jul 5

#	Brand	Recommended for	Mentioned in
1	SoFi 81% flexible repayment terms, member perks, and fee-free refinancing	flexible repayment terms, member perks, and fee-free refinancing	81%
2	Earnest 73% custom monthly payment schedules and co-signer release options	custom monthly payment schedules and co-signer release options	73%
3	ELFI 51% dedicated loan advisors and large loan balance refinancing	dedicated loan advisors and large loan balance refinancing	51%
4	Rhode Island Student Loan Authority (RISLA)26% nonprofit refinancing featuring income-based repayment and built-in protections	nonprofit refinancing featuring income-based repayment and built-in protections	26%
5	LendKey 26% community bank and credit union networks with fast co-signer release	community bank and credit union networks with fast co-signer release	26%
6	Laurel Road 24% specialized underwriting and low residency payments for healthcare professionals	specialized underwriting and low residency payments for healthcare professionals	24%
7	Splash Financial 21% a lending marketplace offering cash-back bonuses and physician programs	a lending marketplace offering cash-back bonuses and physician programs	21%
8	Citizens Bank 21% education refinancing loans with no origination or disbursement fees	education refinancing loans with no origination or disbursement fees	21%
9	CredibleOwned by Fox Corporation 20% multi-lender comparisons for evaluating refinancing pros and cons	multi-lender comparisons for evaluating refinancing pros and cons	20%
10	College Ave Student Loans 13% educator discounts through NEA partnerships alongside auto-pay reductions	educator discounts through NEA partnerships alongside auto-pay reductions	13%
11	Navy Federal Credit Union 11%		11%
12	KeyBank 7%		7%
13	Federal Student Aid 7%		7%
14	PenFed Credit Union 5%		5%
15	Massachusetts Educational Financing Authority 4%		4%
16	EDvestinU 3%		3%
17	NEA Member Benefits 3%		3%
18	Sallie Mae 2%		2%
19	Panacea Financial 2%		2%
20	Nelnet Bank 1%		1%
21	Public Service Loan ForgivenessFederal Student Aid product line 1%		1%
22	Citizens Bank (WI)1%		1%
23	BECU 1%		1%
24	The White Coat Investor 1%		1%
25	Edly 1%		1%
26	Park View Federal Credit Union 1%		1%
27	StudentLoans.com 1%		1%
28	PNC Bank 1%		1%
29	1st Advantage Federal Credit Union 1%		1%
30	NerdWallet 1%		1%
31	Credible Behavioral Health 1%		1%
32	NEA Student Loan Refinance ProgramNEA Member Benefits product line 1%		1%
33	Bankrate 1%		1%
34	U.S. Bank 1%		1%
35	LightStream 1%		1%
36	BrightBridge Credit Union 1%		1%
37	Upgrade 1%		1%
38	VSAC 1%		1%
39	Discover 1%		1%
40	Juno 1%		1%
41	Physician Side Gigs 1%		1%
42	Huntington Bank <1%		<1%
43	Bank of America <1%		<1%
44	Consumer Financial Protection Bureau <1%		<1%
45	Key for Doctors <1%		<1%
46	Huntington <1%		<1%
47	First Tech Federal Credit Union <1%		<1%
48	Medical Professional Refinancing <1%		<1%
49	Star One Credit Union <1%		<1%
50	Student Choice <1%		<1%
51	Carrington Mortgage Services <1%		<1%
52	Achieve <1%		<1%
53	Tate Esq.<1%		<1%
54	Brazos <1%		<1%
55	Alliant Credit Union <1%		<1%
56	Student Loan Planner <1%		<1%
57	Purefy <1%		<1%
58	Citizens Bank Home EquityCitizens Bank product line <1%		<1%
59	Advantage Education Loan <1%		<1%
60	PHEAA <1%		<1%
61	Ascent Funding <1%		<1%
62	KeyBank Debt ConsolidationKeyBank product line <1%		<1%
63	Nelnet <1%		<1%
64	SouthEast Bank <1%		<1%
65	BCU (Baxter Credit Union)<1%		<1%
66	MEIFA <1%		<1%
67	MPOWER Financing <1%		<1%
68	Iowa Student Loan <1%		<1%
69	Oregon State University <1%		<1%
70	Alaska Commission on Postsecondary EducationState of Alaska product line <1%		<1%

Recommendations by AI engine

ChatGPT SearchGoogle AI Mode

Widest split: Credible, 4% on ChatGPT Search and 35% on Google AI Mode.

Mentioned in on each AI engine, by brand
Brand	ChatGPT Search	Google AI Mode
SoFi	76%	86%
Earnest	72%	74%
ELFI	50%	52%
Rhode Island Student Loan Authority (RISLA)	31%	22%
LendKey	20%	32%
Laurel Road	30%	17%
Splash Financial	27%	16%
Citizens Bank	22%	21%
Credible	4%	35%
College Ave Student Loans	17%	10%

Student Loan Refinance & Personal Loans in AI answers

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