Student Loan Refinancing
Find the best rates and save money by refinancing your student loans. Compare personalized quotes from 20+ top lenders with no application fees.
Potential Savings Calculator
Why Refinance Your Student Loans?
Refinancing can help you save money, simplify your payments, and take control of your student loan debt.
Lower Interest Rates
Reduce your interest rate and save thousands over the life of your loans
Simplified Payments
Consolidate multiple loans into one easy monthly payment
Flexible Terms
Choose repayment terms from 5 to 20 years to fit your budget
No Fees
No application fees, origination fees, or prepayment penalties
Our Trusted Lender Partners
We partner with the nation's top refinancing lenders to ensure you get the best rates and terms available.
SoFi
3.49% - 8.49%- No fees
- Unemployment protection
- Career coaching
Earnest
3.47% - 8.40%- Customizable payments
- Skip payment option
- Rate discount for autopay
CommonBond
3.50% - 8.55%- Social mission
- Forbearance options
- MBA loan refinancing
LaurelRoad
3.15% - 8.40%- Healthcare focus
- Residency deferment
- No maximum loan limit
ELFI
3.25% - 8.24%- Personal loan advisor
- Live customer support
- Multiple payment options
Splash Financial
3.25% - 8.45%- No maximum loan amount
- Flexible terms
- Quick approval process
How Refinancing Works
A simple, transparent process that puts you in control of your student loan refinancing journey.
Check Your Eligibility
Quick pre-qualification check with no impact to your credit score
2 minutesCompare Rates
Get personalized rate quotes from 20+ top lenders
5 minutesChoose Your Lender
Select the best offer and complete your application
15 minutesGet Funded
Your new lender pays off your old loans and you start saving
2-3 weeksImportant: Federal Loan Considerations
Before refinancing federal student loans, consider that you'll lose access to federal benefits including:
- Income-driven repayment plans
- Public Service Loan Forgiveness (PSLF)
- Federal forbearance and deferment
- Federal loan discharge programs
Our recommendation: Consider keeping federal loans separate and only refinancing private loans, or consult with our experts to determine the best strategy for your situation.
Ready to Start Saving on Your Student Loans?
Check your refinancing rates in just 2 minutes with no impact to your credit score. Compare offers from 20+ top lenders.