What does AI recommend for student loan refinance & personal loans?

SoFi remains the top-cited lender in AI-generated answers for student loan refinancing. Meanwhile, Earnest has significantly gained ground, climbing from fourth to second place overall and cementing its position as a primary recommendation.

Which student loan refinance & personal loans brands appear most in AI answers?

Across 2,266 AI responses, SoFi is mentioned most, named in 62% of them, followed by Earnest (43%) and ELFI (38%).

How does Parse rank these brands?

Parse measures each brand's mention rate — the share of answers naming it — across 2,266 AI responses to this market's buyer questions. Answers are collected daily and the ranking is published weekly.

How does a brand enter this ranking?

Brands enter the ranking when AI answers mention them. Parse collects answers daily and publishes the re-measured set weekly, so new brands appear as AI starts recommending them.

Best student loan refinance & personal loans, according to AI

Data as of Aug 25, 2026 · Based on 2,266 AI responses · See how Parse measures this

Student Loan Refinance & Personal Loans

271 brands

ParseChatGPT + Google AI

Parse

https://parse.gl

Measured across ChatGPT & Google AI

Best Student Loan Refinance & Personal Loans, According to ChatGPT & Google AI | Parse

#	Brand	What AI says	Mention rate
1	SoFiThe top-ranked lender for competitive rates, member perks, and physician-specific loans.	The top-ranked lender for competitive rates, member perks, and physician-specific loans.	62%
2	EarnestPraised for flexible, customizable payment plans and holistic underwriting practices.	Praised for flexible, customizable payment plans and holistic underwriting practices.	43%
3	ELFIFrequently recommended for its personalized service and dedicated loan advisors.	Frequently recommended for its personalized service and dedicated loan advisors.	38%
4	Laurel RoadA specialist in physician loans, often offering discounts for AMA members.	A specialist in physician loans, often offering discounts for AMA members.	27%
5	LendKeyA marketplace connecting borrowers to credit unions, though its rank has slipped.	A marketplace connecting borrowers to credit unions, though its rank has slipped.	22%
6	Fox Corporation		18%
7	Rhode Island Student Loan Authority (RISLA)A non-profit lender cited for its unique borrower-friendly features and low rates.	A non-profit lender cited for its unique borrower-friendly features and low rates.	18%
8	Splash Financial		16%
9	Navy Federal Credit Union		15%
10	College Ave Student Loans		10%
11	LightStreamTop recommendation for personal loan consolidation for borrowers with excellent credit.	Top recommendation for personal loan consolidation for borrowers with excellent credit.	9%
12	PenFed Credit Union		9%
13	Federal Student Aid		8%
14	Discover		8%
15	Upgrade		8%
16	NerdWallet		8%
17	EDvestinU		7%
18	NEA Member Benefits		7%
19	Citizens Bank		6%
20	Advantage Education Loan		5%
21	CommonBond		4%
22	Panacea Financial		4%
23	Massachusetts Educational Financing Authority		3%
24	LendingTree		3%
25	PNC Bank		3%
26	Consumer Financial Protection Bureau		3%
27	Nelnet Bank		3%
28	Sallie Mae		2%
29	Bankrate		2%
30	MPOWER Financing		2%
31	Juno		2%
32	Upstart		2%
33	Student Loan Planner		2%
34	Achieve		2%
35	1st Advantage Federal Credit Union		2%
36	Iowa Student Loan		2%
37	Landmark Credit Union		2%
38	The White Coat Investor		2%
39	KeyBank		2%
40	Student Choice		2%
41	Wells Fargo		2%
42	Educators Credit Union		2%
43	National Education Association		1%
44	Universal Credit		1%
45	StudentLoans.com		1%
46	The Institute of Student Loan Advisors (TISLA)		1%
47	Best Egg		1%
48	Physician Side Gigs		1%
49	U.S. Bank		1%
50	Happy Money		1%
51	Prosper		1%
52	American Medical Association		1%
53	Purefy		1%
54	VSAC		1%
55	Gate City Bank		1%
56	Granite Edvance		1%
57	Louisiana Education Loan Authority (Lela)		1%
58	Money		<1%
59	LightStreamTop recommendation for personal loan consolidation for borrowers with excellent credit.	Top recommendation for personal loan consolidation for borrowers with excellent credit.	<1%
60	Together Credit Union		<1%
61	U.S. Department of Education		<1%
62	Experian		<1%
63	First Tech Federal Credit Union		<1%
64	Juno		<1%
65	Alliant Credit Union		<1%
66	South Carolina Student Loan Corporation		<1%
67	LendEDU		<1%
68	Ameriprise Financial		<1%
69	Investopedia		<1%
70	Truliant Federal Credit Union		<1%
71	Brazos		<1%
72	GEICO Credit Union		<1%
73	Forbes		<1%
74	LendingClub		<1%
75	Avant		<1%
76	LendingPoint		<1%
77	Education Data Initiative		<1%
78	Brazos		<1%
79	New Mexico Educational Assistance Foundation		<1%
80	SEIU Member Benefits		<1%
81	State of Minnesota		<1%
82	Happen Bank		<1%
83	Edvisors		<1%
84	State of Alaska		<1%
85	WAEPA		<1%
86	Sun Federal Credit Union		<1%
87	Maximus		<1%
88	Barton Associates		<1%
89	Northwest Bank		<1%
90	Axos Bank		<1%
91	Alphabet		<1%
92	Baird Wealth		<1%
93	HESC Loans		<1%
94	Wikipedia		<1%
95	Service Employees International Union		<1%
96	U.S. News & World Report		<1%
97	Ramsey Solutions		<1%
98	Family Credit Union		<1%
99	BECU		<1%
100	College Board		<1%