Sallie Mae Student Loan vs. PenFed Student Loan Refinance
Side-by-side comparison · Updated 2026 · Independently reviewed
WealthSpott Verdict
Sallie Mae Student Loan wins on more measurable categories — particularly on rate and cost. PenFed Student Loan Refinance may still be the right fit depending on your loan amount and term needs.
Feature
Sallie Mae Student
PenFed Student Loan
APR Range
4.50% – 15.37% Best
5.49% – 9.99%
Loan Amount
From $1,000
$7,500 – $300,000 Best
Term Length
60–180 months
60–240 months
Origination Fee
None
None
Min Credit Score
660+ Best
670+
Funding Speed
—
3–4 weeks
Sallie Mae Student Loan
PenFed Student Loan Refinance
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