Skip Navigation
School Search Form
After Navigation
Home Ask Student Aid FAQ What Types of Student Loans Can I Refinance

What Types of Student Loans Can I Refinance

Most private student loans and federal student loans are eligible for refinancing, including loans taken out for undergraduate and graduate studies. Some private lenders may determine loan eligibility based on the college attended, degree level, or field of study.

Generally speaking, the following loan types may be included in a private student loan refinance:

  • Federal Direct Loans (Subsidized, Unsubsidized, Parent PLUS*, Grad PLUS)
  • Stafford Loans (including those under the former FFEL Program)
  • Perkins Loans
  • Federal Direct Consolidation Loans (yes, you can refinance a previously consolidated loan)
  • Private Student Loans Including student loans obtained for:
  1. Undergraduate studies
  2. Graduate studies
  3. Medical School
  4. Law School
  5. Institutional Loans (those obtained directly through your school)

*Parent PLUS borrowers, if you want to transfer the debt obligation to your child, lenders like PenFed Credit Union, CommonBond and Sofi will allow your child to refinance PLUS loans into their name.