Our Student Loan Lenders

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

They're here for you.

Lender Name Fixed Rate APR Variable Rate APR Terms  
LendKey 3.25% and up^ 1.97% and up^ 5, 7, 10, 15, 20 yrs Apply now
College Ave 4.15% - 6.75%* 2.625% - 5.925%* 5 - 15 years Apply now
SoFi 3.5% and up1 2.24% and up1 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.

3 Quick Steps


It takes just a few minutes
to apply online.


Just a few questions to see
how much you can save.


Our lenders will get back to
you in as little as a day.

Compare rates for free

^ LENDKEY BONUS OFFER: The offered promotional bonus will be provided within four weeks of loan disbursement. Your application must be initiated through this page. You must have a PayPal account in order to receive the bonus. The bonus is non-transferable and no other reward will be substituted. Valid for applications initiated through 12/15/2016.

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 3.50% APR to 7.74% APR (with AutoPay). Variable rates from 2.24% APR to 6.04% 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 2.24% APR assumes current 1 month LIBOR rate of 0.54% plus 1.70% margin. 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.

Understanding Student Loan Refinance

Student loan debt in the U.S. is one of the hottest topics in the news today. Unfortunately, there are some pretty mind-boggling statistics:

  • In 2016, student loan debt surpassed credit card debt in the nation with borrowers owing more than $1.3 trillion in educational loan debt
  • 13 percent of borrowers defaulted on their federal student loans within the first two years of repayment.
  • And, an unfortunate and troubling side effect: this crushing student loan debt is limiting the housing recovery’s momentum by undermining an entire generation of potential buyers.

If you’re one of the 53 million borrowers looking for student loan debt solutions, you’re far from alone.  However, there are options. Student loan refinancing is currently available to help ease the burden of repayment. 

Student Loan Refinance variable interest rates as low as 2.23% APR! 

Lower your student loan payments

Do you feel trapped to your student loan payments? Are your high monthly payments preventing you from living your life? If so, refinancing your student loans can be a great way to lower your interest rate and reduce your monthly payment.

You can refinance both your federal student loans and your private student loans through a private lender, such as a bank or one of the lenders offered by LendingTree. Refinancing your loans will combine all of them into one loan with one monthly payment. Your interest rate will be based off of your credit score, so if it’s higher than when you first applied, you should score an incredibly low rate. To help determine if refinancing is right for you use our student loan refinancing calculator.

If you’re planning on taking advantage of federal loan forgiveness programs, you will not want to refinance your federal loans. Refinancing your federal student loans will disqualify you from any forgiveness programs. However, if you are ineligible for loan forgiveness, a student loan refinance is the best way to lower your payments.

Student Loan Refinance Calculator

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Monthly payments are an estimate and are for informational purposes. They do not represent a finance offer. Other tax, license, title, or fees may apply. Disclosures

Frequently Asked Questions