Marcus Student Loan Refinance vs. PenFed Student Loan Refinance
Side-by-side comparison · Updated 2026 · Independently reviewed
Marcus Student Loan Refinance
Marcus by Goldman Sachs
4.4
APR 5.99–9.99%. Up to $300K. Goldman Sachs backing.
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WealthSpott Verdict
Marcus Student Loan Refinance and PenFed Student Loan Refinance are closely matched. The right choice depends on your credit profile, desired loan amount, and how quickly you need funding.
Feature
Marcus Student Loan
PenFed Student Loan
APR Range
5.99% – 9.99%
5.49% – 9.99% Best
Loan Amount
$5,000 – $300,000
$7,500 – $300,000
Term Length
60–240 months
60–240 months
Origination Fee
None
None
Min Credit Score
660+ Best
670+
Funding Speed
2–4 weeks
3–4 weeks
Marcus Student Loan Refinance
PenFed Student Loan Refinance
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