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Although you could pay your loans back more quickly, you may lose out because shorter-term loans tend to have lower interest rates than longer-term loans.

A potentially major drawback with Discover is the lack of a co-signer release option.

The other top lenders that allow co-signer release only require 12 to 24 consecutive payments. You can request a 1 percent principal (based on the disbursed loan amount) reduction after you graduate.

If you’re one of the many students considering a private student loan, be sure to shop lenders, as each may offer different loan terms, interest rates and other benefits.

To help you in your search, we’ve highlighted five of the top private student lenders.

The aggregate limit takes federal and private student loans into account, and some lenders also include other types of consumer debt in their limits.

In addition to aggregate limit, private student loans lenders may limit the amount you can borrow per term or year to the school-certified cost of attendance, minus your other financial aid.

Discover also scores well with its low APR ranges, autopay discount, lack of fees, full deferment option and maximum loan term.