Our team researched more than two dozen of the country’s most popular personal lenders, including large online companies like SoFi, big banks like Wells Fargo, and peer-to-peer lenders like Upstart.

A thank-you note got me my first real job. As a newly minted college graduate with no work experience, I was having a tough time finding my first grown-up gig. I thought I’d never get a break until I ...