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Affiliate Disclosure

Last updated: May 1, 2026

FTC Disclosure

Loan Cliff Financial Research participates in affiliate marketing programs. This means that when you click certain links on this Site and complete an application or transaction with a lender, we may receive a commission or referral fee from that lender. This is how we fund the free calculator and keep it available to all users at no cost.

Our Affiliate Partners

We currently have affiliate relationships with the following lenders, which appear in the “Bridge the Gap” section of your calculator results:

C

Credible

Multi-lender marketplace for private student loans and refinancing.

E

ELFI

Education Loan Finance — private student and refinance loans.

L

LendKey

Credit union and community bank student lending network.

S

SoFi

Private student loans, refinancing, and personal finance products.

E

Earnest

Student loan refinancing and private student loans.

Our Editorial Standards

Affiliate compensation does not influence our calculator results, our methodology, or the order in which lenders are displayed. We do not accept payment for favorable placement in our results. Lenders appear because they are relevant to graduate student financing, not because of the size of any commission arrangement.

We strive to provide accurate, unbiased information regardless of our commercial relationships. Our gap calculations are derived entirely from independent public data sources. See our Methodology for details.

No Endorsement or Guarantee

The presence of a lender on Loan Cliff does not constitute an endorsement of that lender's products or services. Loan rates, terms, eligibility requirements, and availability vary by lender and borrower. You should compare multiple options and read all terms carefully before applying.

How Commission Works

When you click an affiliate link and submit an application or fund a loan, the referring lender pays us a commission. The commission is paid by the lender — not by you — and does not affect your loan rate or terms. You are not charged any additional fee for using our referral links.

Compliance

This disclosure is provided in accordance with the Federal Trade Commission's guidelines on endorsements and testimonials (16 C.F.R. Part 255) and applicable state disclosure requirements. We are committed to transparent disclosure of our commercial relationships.

Contact

Questions about our affiliate relationships: hello@loancliff.com