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Home Ask Student Aid FAQ How Do I Refinance or Consolidate my Student Loans

How Do I Refinance or Consolidate my Student Loans

To refinance your student loans, you need to find a lender that offers student loan refinancing. Our compare lenders page makes it easy to review lenders and check your eligibility. You may refinance some or all of your student loans, including federal and private.

Best Student Loan Refinance Lenders

Lender
College Ave Student Loans
Recommendation
Best for Student Loan Refinancing
Interest Rates

Variable as low as: 3.44% APR1

Fixed as low as: 3.49% APR1

Repayment Terms

5, 10, or 15 years2

Lender
Splash Financial
Recommendation
Best for Student Loan Refinancing
Interest Rates

Variable as low as: 1.74% APR1

Fixed as low as: 1.99% APR1

Repayment Terms

5, 10, or 15, 20 years

Lender
refinance student loans with earnest
Recommendation
Best for Student Loan Refinancing
Interest Rates

Variable as low as: 1.74% APR (with Autopay)*

Fixed as low as: 2.74% APR (with Autopay)*

Repayment Terms

5, 10, 15, or 20 years

Lender
Nelnet Bank Logo
Recommendation
Best for Student Loan Refinancing
Interest Rates

Variable Rates: Rates between 1.87% - 6.52% APR1

Fixed Rates:  Rates between 2.30% - 5.96% APR1

Repayment Terms

5, 10, 15, 20, 25 years

If you choose to combine your loans into a Direct Consolidation Loan, you will need to submit an application to StudentLoans.gov. The application process should take about 30 minutes. The Direct Consolidation Loan program is run by the U.S. Department of Education. This consolidation program is only available for federal student loans.