REFINANCE STUDENT LOANS

Save Money On Student Loans!

Save your cash. Compare the best student loan refinancing rates and apply in minutes

Refinancing Options

How Refinancing Helps You?

Student loan refinancing can save you thousands. Private lenders compete for your business and offer competitive rates and terms.

What you can expect:

  • Competitive rates often better than federal rates for qualified borrowers
  • Flexible loan terms that fit your needs
  • 5 minute application time and quick loan funding

There is no cost to applying for a student loan refinance and you may be able to save significant money. You can include both federal and private loans.

Compare the Best Student Loan Refinance Rates

Here are our top student loan refinance picks for 2019

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Benefits of Refinancing?

Use our calculators below to see the benefits of refinancing.

Refinance Calculator

Refinancing your student loans can help reduce your monthly payment, total interest due on the loan, and the how long you need to pay it back.

Step 1: Current Loan Info
Step 2: New Loan Info
Original Loan
New Loan
Savings
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Interest Rate
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Term in Years
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Refinancing {{inputData.currentLoanBalance | formatCurrency}} in student loans at a rate of {{inputData.newAvgInterest | formatPercentage}} with a {{inputData.newLoanTerm}}-year term would save {{savingsTotalInterest | formatCurrency}} in interest paid and reduce your monthly payments by {{savingsMonthlyPayment | formatCurrency}}/mo.
Get started by adding your loan information.

If you would like us to look further into your situation, please give us call at

1-844-669-4407

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Provide us with your loan info

Total Principal Paid
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Total Payback
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Monthly Payments

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Amortization Schedule

 

Enter Loan Information to Get Started!

 

Refinance If:

  • You have a steady job and income
  • You want to reduce the total interest to be paid on the loan, or your monthly payment
  • You want to change the term of the loan
  • You want to remove a co-signer
  • You want to combine a number of existing loans into one new one.

When To Avoid a Refinance:

  • You qualify for any federal loan forgiveness programs
  • Your income is not stable and you may need access to income-driven payment plans
  • Your loan term is near its end, and a majority of your payment is being applied to principal
  • If you are unable to get better terms on your refinance than your existing loan

Compare Options for Student Loan Refinancing and Save Thousands

Student loan refinancing saves you money by replacing your existing college debt with a new, lower-cost loan through a private lender.

Refinancing Options

Best Student Loan
Refinancing Companies

Below are some of the best companies for student loan refinancing.

Fixed APR

3.50% - 7.89%

Variable APR

2.49% - 7.27%

Loan Terms

0 - 20

Rate and Loan Term is Based on Your Monthly Budget

  • Type of lender: Online only
  • Deferment or forbearance available: Yes
  • Co-signer release available: No co-signers allowed

Fixed APR

3.64% - 7.50%

Variable APR

2.49% - 7.41%

Loan Terms

5 - 20

Marketplace That Matches You With a Community Bank or Credit Union

  • Type of lender: Online platform connecting you to many community banks & credit unions
  • Deferment or forbearance available: Yes
  • Co-signer release available: Yes

Fixed APR

3.89% - 8.07%

Variable APR

2.49% - 7.11%

Loan Terms

5 - 20

Parent Plus Loan Refinancing for Student Borrowers

  • Type of lender: Online marketplace lender
  • Deferment or forbearance available: Yes, up to 24 months
  • Co-signer release available: Yes

Fixed APR

3.39% - 6.69%

Variable APR

2.80% - 6.01%

Loan Terms

5 - 20

Students Can Refinance their Parents’ Plus Loans

  • Type of lender: Online only
  • Deferment or forbearance available: Yes, up to 12 months
  • Co-signer release available: No, but you can apply for a new loan without your cosigner

Fixed APR

3.75% - 7.03%

Variable APR

3.10% - 7.84%

Loan Terms

5 - 15

Refinancing for Borrowers with Good Credit Scores and High Debt-to-Income Ratios

  • Type of lender: Online only
  • Deferment or forbearance available: Yes, case-by-case basis
  • Co-signer release available: Yes, after 1 year of on-time payments

Frequently Asked Questions

Should I Refinance my Federal Student Loans With a Private Bank?

The best time to refinance your student loans is typically after graduation, when you’ve landed a job and established strong credit.

To be eligible to refinance at an attractive interest rate, you’ll typically need a history of earnings and a credit score that gives lenders the confidence that you’ll be able to repay your student loan debt.

What is the Difference Between a Refinance and Consolidation?

The best time to refinance your student loans is typically after graduation, when you’ve landed a job and established strong credit.

To be eligible to refinance at an attractive interest rate, you’ll typically need a history of earnings and a credit score that gives lenders the confidence that you’ll be able to repay your student loan debt.

hat are the most important things to consider for a student loan refinance?

The best time to refinance your student loans is typically after graduation, when you’ve landed a job and established strong credit.

To be eligible to refinance at an attractive interest rate, you’ll typically need a history of earnings and a credit score that gives lenders the confidence that you’ll be able to repay your student loan debt.

Does it cost anything to refinance?

The best time to refinance your student loans is typically after graduation, when you’ve landed a job and established strong credit.

To be eligible to refinance at an attractive interest rate, you’ll typically need a history of earnings and a credit score that gives lenders the confidence that you’ll be able to repay your student loan debt.

What is the minimum credit score required?

The best time to refinance your student loans is typically after graduation, when you’ve landed a job and established strong credit.

To be eligible to refinance at an attractive interest rate, you’ll typically need a history of earnings and a credit score that gives lenders the confidence that you’ll be able to repay your student loan debt.

Refinance Your Student Loan
and Save Thousands

You may be eligible for a ZERO dollar monthly payment!

Call (844)-669-4407 x