Check out the rates we negotiated

We really wish we could tell you your exact rate, but everyone gets a different rate and we’re still honing our crystal ball skills.
Access the Deal

APRs include Auto Pay rate reduction where applicable2

APRs do not include additional LeverEdge benefits

How does this compare to rates from other lenders?

To compare rates, you can apply to several lenders and receive your personalized quote. Then, you can use our calculator 5to compare any quotes you’ve received.

LeverEdge Rewards

We give you at least 0.5% of your loan amount back when you use one of our negotiated deals.

What are LeverEdge Rewards?

Most partners who work with us pass along a referral fee when you take a loan. Rather keep all of that to ourselves, we’re giving you a bonus using those funds. This is separate from our existing referral bonuses and any additional discounts we’ve negotiated.

How are the rewards calculated?

How are the rewards calculated? We’re giving you at least 0.5% of the loan you take using your special LeverEdge link. So if you take out a loan for $60,000, you’re going to get a check for at least $300. No strings attached.

When will I receive LeverEdge rewards?

We’re working with our partners to get you the reward ASAP. There may be a delay while we confirm your loan was processed. We will then pass along the fee shortly thereafter.

Negotiation Timeline


Students Sign up

Student join the LeverEdge Student Loan Negotiation Group for free.


Lenders Compete

Lenders compete for your business by offering lower rate options for us to evaluate.

Deal is now available!

Loans Offered

Members apply directly to the lender offering the lowest rates exclusively via LeverEdge.

LeverEdge took so much of the stress out of financing my education.

Dan R MIT - 2021

Benefits of the Negotiated Deal

  • LeverEdge Cash Reward
    At least 0.50% of Loan Amount
  • No early repayment penalty
  • Up to 4.00% Lower Rate
    (compared to directly applying to a lender)
  • No application fee
  • 0.25% Auto Pay Discount


How does LeverEdge make money?
We do charge our partners a set fee – it’s set before the formal auction, so companies can’t sway us by offering more money. The only way to become an official partner is by offering our members the best rates. 

When you use our special link, you'll get a discount and we'll get a portion of the loan you take, but you're always free to go directly to the site as well.
What is the disbursement timing?
Usually, the loan is disbursed right before the start of the semester, so if you needed one for the fall term, August. 

But we recommend coordinating with your financial aid office to ensure that the funds are disbursed at the time you would like them to be. Our understanding is that the financial aid office communicates the disbursement dates to the lender.
Can I increase the loan amount later?
You will have to directly contact the lender to ask if the loan amount can be increased and they might require you to apply for a new loan. Depending if our partnership with the lender is still going or not you might not get the same rates.
Why do we have multiple partners this year?
We couldn’t find a single option that got the lowest rates for everyone in the group. We’ve recommended the one we think will give you the best deal, but you’re welcome to apply to the others. We do not make any more money from one vs the other, so rest assured knowing your recommendations are based on saving you the most money.

All of these options are better than what you would get if you directly went to their site.
Does my income now influence the rates I would get for the loans?
When we release the deal and you apply with the lender, we recommend listing your income at that time that you can prove via pay stubs etc. If a cosigner is required, you may be asked to provide their income information as well.

Got Questions? We Got Answers.

We understand that student loans and our negotiation process can be complicated. Please ask us any and all questions you have.

As a founder of LeverEdge, I check support@leveredge.org more frequently than my personal email.