Refinance student loans today and save your hard-earned money!

Rescue your money from high interest student loans by comparing student loan refinance products from multiple lenders.

Privacy Secured  |  Advertising Disclosures
 
 logo
5, 7, 10, 15, 20 years
3.37% - 7.02%
2.80% - 5.90%
$5K - No Max
850
What's my score?

Qualifications

  • Must be a U.S. citizen/permanent resident with a valid I-551 (Green Card)
  • Residents of all 50 US states and the District of Columbia are eligible for refinancing
  • You must have graduated from a Title IV accredited eligible program
  • You hold a private or federal student loan(s) that are not delinquent or in default
  • You maintain a responsible credit history

Lender review

Not available at this time

Who are they?

Founded in 2006, Laurel Road is an FDIC-insured bank providing carefully crafted loans with low rates, personalized service, and proprietary technology, to make the journey to financial independence just a bit easier.

Laurel Road’s average borrower saves more than $20,0001 over the life of their loan when refinancing with them.

What can they offer?

  • Easy, entirely online application process
  • Get a personalized rate offer with no impact on your credit within 2 minutes
  • No origination or application fees
  • No prepayment penalties
  • Receive a 0.25% rate discount when making automatic payments from a checking account
  • Up to 12 months of forbearance is available at Laurel Road’s discretion
 logo
5, 7, 10, 15, 20 years
3.15% - 8.12%
2.68% - 7.96%
$5K - $175K (Undergraduate) $5K - $250K (Graduate)
850
What's my score?

Qualifications

Since LendKey is a collection of community banks and credit unions, eligibility depends on each individual lender.

  • Eligibility for most lenders will be based on:
  • Geographic location and employment status

Lender review

LendKey Student Loan Refinancing Review

Who are they?

LendKey is an online platform with a collection of 13,000 credit unions and community banks. They pride themselves on providing borrowers with a transparent low-interest lending experience.

What can they offer?

  • A friendly credit union experience
  • Flexible repayment terms
  • No hidden application or origination fees
  • No prepayment penalties
  • Cosigner release available
  • 2-minute rate check with no impact on credit score
  • Available for private, federal, undergrad, and graduate school student loans
 logo
5, 7, 10, 15, 20 years
3.20% - 7.25%
2.57% - 7.25%
$5K - $500K
850
What's my score?

Qualifications

  • Must be at least 18-years old
  • Must be a U.S. citizen/permanent resident
  • Must have graduated from a Title IV eligible program
  • Must provide proof of employment & residence
  • Must provide a loan statement for each loan you wish to refinance

Lender review

CommonBond Student Loan Refinancing Review

Who are they?

CommonBond, an online student loan company, was founded in 2011 by three Wharton MBA students. They pride themselves on their top-notch customer service, a wide variety of low interest products, and a sense of social responsibility.

What can they offer?

  • No hidden application or origination fees
  • No prepayment penalties
  • Parent PLUS refinancing
  • Cosigner release available
  • Social Promise: for every loan that they fund, CommonBond also funds the education of a child in need
  • Access to a community network, member dinners, and networking events
  • They have your back; if you lose your job, they pause your payments and help you find work
  • Available for private, federal, undergrad, and graduate school student loans
 logo
5, 7, 10, 15, 20 years
3.40% - 7.75%
2.63% - 7.695%
$5K - No Max
Good & Excellent Credit Needed
What's my score?

Qualifications

  • Must be a U.S. citizen/permanent resident
  • Must be at least 18 years old
  • Must reside in one of SoFi’s eligible states
  • Must have graduated from a Title IV accredited university
  • Eligibility also dependent on responsible financial history, employment status, and debt to income ratio

Lender review

SoFi Student Loan Refinancing Review

Who are they?

Founded by a group of Stanford business students, SoFi was created to help their fellow classmates manage their debt by providing lower interest rate student loan refinancing options. SoFi assists student borrowers all across the U.S. by providing refinance and consolidation services.

What can they offer?

  • Zero application fees, origination fees, or pre-payment fees
  • Unemployment protection: If you lose your job, they will pause loan payments and help you find a new job
  • No minimum income requirement
  • Parent PLUS refinancing
  • Autopay option (w/ discount)
  • Career Coaches: To help you build your brand and further you in your professional success
  • Wealth Advisors: To guide you through your finances and investments
  • Available for private, federal, undergrad, and graduate school student loans
 logo
5-20 years
3.25% - 6.37%
2.57% - 5.87%
$5K - No Max
850
What's my score?

Qualifications

  • You are a U.S. citizen or possess a 10-year (non-conditional) Permanent Resident Card
  • You are at least 18 years old
  • You have a minimum credit score of 660
  • The debt is from paying for a Title IV-accredited school
  • You are employed, have a written job offer for a position that starts within 6 months, or possess consistent income

Lender review

Not available at this time

Who are they?

Earnest is a technology-enabled lender using data science and automation to reinvent financial services. Earnest’s lending products are built for a new generation seeking high-quality services and offers financially-responsible individuals competitive rates for student loan refinancing.

What can they offer?

  • Lower rates based on your future potential and full financial profile, not just your credit score (however, need minimum 660 credit score for approval)
  • More savings: Their clients have saved $30,939^ on average by refinancing
  • Flexible terms that let you pick your exact monthly payment, prepay with no penalty, or pay bi‐weekly
  • Lifetime service provided in‐house
  • No fees for origination, prepayment, or loan disbursement
  • Forbearance offered to clients experiencing a documented and verifiable hardship
  • Student or Parent PLUS Loan Refinancing available
  • Two‐minute rate check with no obligation or impact to your credit score
 logo
5-15 years2
3.50% - 8.00%1
3.00% - 7.50%1
$5K - $250K3
850
What's my score?

Qualifications

  • Must be at least 18-years old
  • Must be a U.S. citizen/permanent resident
  • Must have graduated from an eligible, degree granting institution
  • Must meet underwriting requirements

Lender review

Not available at this time.

Who are they?

College Ave Student Loans Refi was created to help graduates refinance existing student loans so they can repay their loans easily while reducing the total cost and/or monthly payment.

What can they offer?

  • Refinance and consolidate both federal and private student loans
  • Earn a 0.25% interest rate reduction when you enroll in auto-pay1
  • Additional 0.25% interest rate reduction with Nationwide Bank discount1
  • No application or origination fees
  • 3 minutes to fill out application and receive instant credit decision
  • Choose immediate full payments or 2 years of interest only
 logo
5, 7, 10, 15, 20 years
3.09% - 6.69%
2.69% - 6.01%
$15K - No Max
850
What's my score?

Qualifications

  • Must be at least 18 years or older
  • Must be a U.S. citizen/permanent resident
  • Minimum refinancing amount of $15,000
  • Must have earned a bachelors degree or higher from one of their approved post secondary institution
  • Must have a debt-to-income ratio that proved you will have the ability to repay the loan.

Lender review

Education Loan Finance Review

Who are they?

Education Loan Finance is a refinancing program offered through SouthEast Bank. They strive to provide manageable payments, affordable rates, and flexible terms for students looking to refinance their student loans.

What can they offer?

  • Offer some of the lowest interest rates in the refinancing market
  • No hidden application and origination fees
  • No prepayment penalties
  • Deferment & forbearance options available
  • Fast Track $100 Bonus if you accept the offer within 30 days of your application date
  • Referral Program: $400 for every customer you refer
  • Autopay option (w/ discount)
  • Available for private, federal, undergrad, and graduate school student loans