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

Our lenders have helped thousands of people save money on their student loans. They're here for you.

  • Fixed Rate APR
  • 3.25%-7.26% ^
  • Variable Rate APR
  • 2.52%-6.06% ^
  • Loan Terms (Yrs.)
  • 5, 7, 10, 15, 20
  • Fixed Rate APR
  • 4.65%-7.50% *
  • Variable Rate APR
  • 3.88%-6.88% *
  • Loan Terms (Yrs.)
  • 5-15
  • Fixed Rate APR
  • 3.35%-6.69% 1
  • Variable Rate APR
  • 2.10%-6.01% 1
  • Loan Terms (Yrs.)
  • 5, 7, 10, 15, 20
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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 2.52% APR!

How does student loan refinancing work?

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 may 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.

Get started

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

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.


Compare rates for free


Borrower Profile

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


Required Documents

  • A picture of your driver’s license
  • A pay stub
  • A screenshot of your current student loans

Calculate your new payment

Check out our student loan refinance calculator and estimate how much you could save with refinancing.