Refinance your student loan today and save an average of $14,417

Our Student Loan Refinance Lenders

Our lenders have helped thousands of people save money refinancing their student loans.

They're here for you.

Lender Name Fixed Rate APR Variable Rate APR Terms  
LendKey 3.25% - 7.26%^ 2.22% - 5.85%^ 5, 7, 10, 15, 20 yrs Apply now
College Ave 4.75% - 7.35%* 2.75% - 6.00%* 5 - 15 years Apply now
SoFi 3.375% - 6.740%1 2.355% - 6.280%1 5, 7, 10, 15, 20 yrs Apply now

Did you know you can refinance your student loans and save on average $14,417 over the course of your loan? Our lenders offer a variety of options aimed at saving you most money they can.

You'll likely need a picture of your driver's license, paystub, and a screenshot of your current student loan. Our lenders make it easy by simply uploading pictures.

If you have a Bachelors, Masters, or PhD, you are eligible to refinance. Lenders generally work with individuals with good credit and who are currently employed.

^ Subject to floor rate and may require the automatic payments be made from a checking or savings account with the lender. The rate reduction will be removed and the rate will be increased by 0.25% upon any cancellation or failed collection attempt of the automatic payment and will be suspended during any period of deferment or forbearance. As a result, during the forbearance or suspension period, and/or if the automatic payment is canceled, any increase will take the form of higher payments.

 

* The 0.25% auto-pay interest rate reduction applies as long as the borrower or cosigner, if applicable, enrolls in auto-pay and authorizes our loan servicer to automatically deduct your monthly payments from a valid bank account. The rate reduction applies for as long as the monthly payment amount is successfully deducted from the designated bank account and is suspended during periods of forbearance and certain deferments. Variable rates may increase after consummation.

 

1 Fixed rates from 3.375% APR to 6.740% APR (with AutoPay). Variable rates from 2.355% APR to 6.280% APR (with AutoPay). Interest rates on variable rate loans are capped at either 8.95% or 9.95% depending on term of loan. See APR examples and terms. Lowest variable rate of 2.355% APR assumes current 1 month LIBOR rate of 0.78% plus 1.825% margin minus 0.25% ACH discount. Not all borrowers receive the lowest rate. If approved for a loan, the fixed or variable interest rate offered will depend on your creditworthiness, and the term of the loan and other factors, and will be within the ranges of rates listed above. For the SoFi variable rate loan, the 1-month LIBOR index will adjust monthly and the loan payment will be re-amortized and may change monthly. APRs for variable rate loans may increase after origination if the LIBOR index increases. The SoFi 0.25% AutoPay interest rate reduction requires you to agree to make monthly principal and interest payments by an automatic monthly deduction from a savings or checking account. The benefit will discontinue and be lost for periods in which you do not pay by automatic deduction from a savings or checking account. *To check the rates and terms you qualify for, SoFi conducts a soft credit inquiry. Unlike hard credit inquiries, soft credit inquiries (or soft credit pulls) do not impact your credit score. Soft credit inquiries allow SoFi to show you what rates and terms SoFi can offer you up front. After seeing your rates, if you choose a product and continue your application, we will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit inquiry. Hard credit inquiries (or hard credit pulls) are required for SoFi to be able to issue you a loan. In addition to requiring your explicit permission, these credit pulls may impact your credit score.