We asked 4 AI models to recommend the best student loan refinancing companies. Here's what GPT-4.1, Gemini, Grok, and Llama agree on.
🏆 AI Consensus Winner: SoFi — recommended by 4/4 models
🟢 AI Confidence: HIGH — strong consensus
AI Consensus
These products were recommended by multiple AI models:
- SoFi
- Laurel Road
- Earnest
- CommonBond
- LendKey
What Each AI Recommends
| Rank | GPT-4.1 | Gemini | Grok | Llama |
|---|---|---|---|---|
| 1 | SoFi | SoFi | SoFi | SoFi |
| 2 | Laurel Road | Earnest | Earnest | Earnest |
| 3 | Earnest | CommonBond | Laurel Road | Lenda |
| 4 | CommonBond | Laurel Road | ELFI | CommonBond |
| 5 | LendKey | Splash Financial | LendKey | LaurelRoad |
Best For Your Needs
- Best overall: SoFi
- Best free option: Laurel Road
- Best for small teams: Earnest
- Best for enterprises: SoFi
Methodology
We asked each AI model: "What are the Best Student Loan Refinancing Companies? List your top 5 recommendations."
Models used: GPT-4.1 Nano (OpenAI), Gemini 2.5 Flash (Google), Grok 4.1 Fast (xAI), Llama 4 Scout (Meta). No web search was enabled — these are pure AI opinions based on training data.
The "AI Consensus" shows products mentioned by 2 or more models. The winner is the product that appears most frequently in the #1 position.