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Home Student Loans Student Loan Refinance Repayment Plans for Federal Student and Parent Loans Best Student Loan Refinance Companies for March 2023
  • Contents
  • A Smart Way to Pay Off Your Student Loans
  • Best Student Loan Refinance Companies for March 2023
  • Best Student Loan Refinance Lenders
  • SoFi Student Loan Refinance
  • College Ave Student Loan Refinance
  • PenFed Student Loan Refinance
  • Nelnet Student Loan Refinance
  • Best Student Loan Refinance Rates
  • Student Loan Refinance Calculator
  • Best Way to Refinance Student Loans
  • Pros and Cons of Refinancing Student Loans
  • Student Loan Consolidation vs. Refinancing
  • When to Refinance Student Loans
  • Refinance Private Student Loans
  • Frequently Asked Questions
  • Should You Refinance Student Loans During the COVID-19 Pandemic?
  • Is Refinancing Student Loans Better Than Consolidation?
  • Does Refinancing Student Loans Impact Your Credit Score?
  • If I Refinance My Student Loans, Which Loan Repayment Term Should I Choose?
  • Should I Go for a Variable-Rate Loan or Fixed-Rate Loan When I Refinance?
  • What to Read Next

Best Student Loan Refinance Companies for March 2023

Photo of Elaine Rubin
By Elaine Rubin
Updated on September 26, 2022
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A Smart Way to Pay Off Your Student Loans

Here are some of the best companies in the business that offer student loan refinancing. Consider your student loan refinancing goals when comparing lenders. The lenders below have great products, complete with low starting interest rates, zero origination fees, favorable borrowing limits, and great customer service (based on mystery shopper phone calls).

Best Student Loan Refinance Companies for March 2023

Consider your student loan refinancing goals when comparing lenders to find the right student loan refinance solution for you. When it comes to student loan refinancing, there is no one company that is the right fit for every borrower. You will need to consider your current loan terms, financial goals, and more.

Best Student Loan Refinance Lenders

Lender

College Ave Student Loans

Recommendation
Best for Student Loan Refinancing
Interest Rates

Variable as low as: 5.99% APR1

Fixed as low as: 5.99% APR1

Repayment Terms

5, 10, or 15 years2

Apply Now More Info
College Ave Student Loans

College Ave Student Loans

  • Variable rate range: 5.99% – 11.99% APR1
  • Fixed rate range: 5.99% – 11.99% APR1
  • No application or prepayment fees
  • Apply in 3 minutes or less for instant credit decision

College Ave Student Loans products are made available through Firstrust Bank, member FDIC, First Citizens Community Bank, member FDIC, or M.Y. Safra Bank, FSB, member FDIC.. All loans are subject to individual approval and adherence to underwriting guidelines. Program restrictions, other terms, and conditions apply.

1The 0.25% auto-pay interest rate reduction applies as long as the borrower or cosigner, if applicable, enrolls in auto-pay and authorizes our loan servicer to automatically deduct your monthly payments from a valid bank account via Automated Clearing House (“ACH”). The rate reduction applies for as long as the monthly payment amount is successfully deducted from the designated bank account and is suspended during periods of forbearance and certain deferments. Variable rates may increase after consummation.

2This informational repayment example uses typical loan terms for a refi borrower who selects the Full Principal & Interest Repayment Option with a 10-year repayment term, has a $40,000 loan and a 5.5% Annual Percentage Rate (“APR”): 120 monthly payments of $434.11 while in the repayment period, for a total amount of payments of $52,092.61. Loans will never have a full principal and interest monthly payment of less than $50. Your actual rates and repayment terms may vary.

3$5,000 is the minimum requirement to refinance. The maximum loan amount is $250,000 for those with medical, dental, pharmacy or veterinary doctorate degrees, and $150,000 for all other undergraduate or graduate degrees.

Information advertised valid as of 03/01/2023. Variable interest rates may increase after consummation. Approved interest rate will depend on the creditworthiness of the applicant(s), lowest advertised rates only available to the most creditworthy applicants and require selection of full principal and interest payments with the shortest available loan term.

Lender

ELFI Student Loan Refinance

Recommendation
Best for Student Loan Refinancing
Interest Rates

Variable as low as: 4.53% APR1

Fixed as low as: 5.08% APR1

Repayment Terms

5 - 20 years2

Apply Now More Info
ELFI Student Loan Refinance

ELFI Student Loan Refinance

  • Customers are saving an average of $309 every month and an average of $20,936 in total savings after refinancing their student loans with Education Loan Finance1
  • Variable and fixed rates starting from 4.53% APR and 5.08% APR2
  • Prequalify in as little as two minutes
  • Award winning customer service from your dedicated Student Loan Advisor who is matched to you from the moment you sign up
ELFI Student Loan Refinance

1Average savings calculations are based on information provided by SouthEast Bank/ Education Loan Finance customers who refinanced their student loans between 8/16/2016 and 10/25/2018. While these amounts represent reported average amounts saved, actual amounts saved will vary depending upon a number of factors.

2Rates accurate as of 3/15/23. The interest rate and monthly payment for variable rate loans may increase after closing. Your actual interest rate may be different from the rates shown above and will be based on the term of your loan, your financial history, and other factors, including your cosigner’s (if any) financial history. For example, a 10 year loan with a fixed rate of 6% would have 120 payments of $11.00 per $1,000 borrowed. To qualify for refinancing or student loan consolidation through Education Loan Finance, you must have at least $10,000 in qualified student loan debt and must have earned a bachelor’s degree or higher from an approved post-secondary Education Loan Finance institution. Education Loan Finance Parent Loans are limited to a maximum of the 10-year term.

Lender

SoFi Student Loan Refinance

Recommendation
Best for Student Loan Refinancing
Interest Rates

Variable as low as: 5.09% APR1

Fixed as low as: 4.49% APR1

Repayment Terms

5, 7, 10, 15, 20 years

Apply Now More Info
SoFi Student Loan Refinance

SoFi Student Loans

  • Rates as low as 5.09% variable and 4.49% fixed1
  • No fees or prepayment penalties
  • Unemployment protection

Private student loans lenders: SoFi Student Loan Refinancing

1Fixed rates range from 4.49% APR to 8.99% APR with a 0.25% autopay discount. Variable rates from 5.09% APR to 8.99% APR with a 0.25% autopay discount. Unless required to be lower to comply with applicable law, Variable Interest rates on 5-, 7-, and 10-year terms are capped at 8.95% APR; 15- and 20-year terms are capped at 9.95% APR. Your actual rate will be within the range of rates listed above and will depend on the term you select, evaluation of your creditworthiness, income, presence of a co-signer and a variety of other factors. Lowest rates reserved for the most creditworthy borrowers. For the SoFi variable-rate product, the variable interest rate for a given month is derived by adding a margin to the 30-day average SOFR index, published two business days preceding such calendar month, rounded up to the nearest one hundredth of one percent (0.01% or 0.0001). APRs for variable-rate loans may increase after origination if the SOFR index increases. The SoFi 0.25% autopay interest rate reduction requires you to agree to make monthly principal and interest payments by an automatic monthly deduction from a savings or checking account. This benefit will discontinue and be lost for periods in which you do not pay by automatic deduction from a savings or checking account. The benefit lowers your interest rate but does not change the amount of your monthly payment. This benefit is suspended during periods of deferment and forbearance. Autopay is not required to receive a loan from SoFi.

Lender

Splash Financial Logo

Recommendation
Best for Student Loan Refinancing
Interest Rates

Variable as low as: 4.59% APR1

Fixed as low as: 4.47% APR1

Repayment Terms

5, 10, or 15, 20 years

Apply Now More Info
Splash Financial Logo

Splash Financial Refinance Loan

  • Rates as low as 4.59%1 Variable APR and 4.47%1 Fixed APR
  • No pre-payment penalties, origination, or application fees
  • See rates in 3 minutes without affecting your credit score2

1The rates displayed may include a 0.25% autopay discount.

2To check the rates and terms you qualify for, Splash Financial conducts a soft credit pull that will not affect your credit score. However, if you choose a product and continue your application, the lender will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit pull and may affect your credit.

Lender

refinance student loans with earnest

Recommendation
Best for Student Loan Refinancing
Interest Rates

Variable as low as: 4.99% APR (with Autopay)*

Fixed as low as: 4.96% APR (with Autopay)*

Repayment Terms

5, 10, 15, or 20 years

Apply Now More Info
refinance student loans with earnest

Earnest Student Loan Refinancing

  • Variable rates starting at 4.99% APR (including 0.25% Auto Pay discount)*
  • Fixed rates starting at 4.96% APR (including 0.25% Auto Pay discount)*
  • Choose your own monthly payment
  • No fees of any kind and exceptional customer service for the life of your loan
  • Check your rate in under 2 minutes
refinance student loans with earnest

To qualify, you must be a U.S. citizen or possess a 10-year (non-conditional) Permanent Resident Card, reside in a state Earnest lends in, and satisfy our minimum eligibility criteria. You may find more information on loan eligibility here: https://www.earnest.com/eligibility. Not all applicants will be approved for a loan, and not all applicants qualify for the lowest rate. Approval and interest rate depend on the review of a complete application.

Actual rate and available repayment terms will vary based on your income. Fixed rates range from 5.21% APR to 9.24% APR (excludes 0.25% Auto Pay discount). Variable rates range from 5.24% APR to 9.19% APR (excludes 0.25% Auto Pay discount). Earnest variable interest rate student loan refinance loans are based on a publicly available index, the 30-day Average Secured Overnight Financing Rate (SOFR) published by the Federal Reserve Bank of New York. The variable rate is based on the rate published on the 25th day, or the next business day, of the preceding calendar month, rounded to the nearest hundredth of a percent. The rate will not increase more than once per month. The maximum rate for your loan is 8.95% if your loan term is 10 years or less. For loan terms of more than 10 years to 15 years, the interest rate will never exceed 9.95%. For loan terms over 15 years, the interest rate will never exceed 11.95%. Please note, we are not able to offer variable rate loans in AK, IL, MN, NH, OH, TN, and TX. Our lowest rates are only available for our most credit qualified borrowers and contain our .25% auto pay discount from a checking or savings account.

*Auto Pay Discount: If you make monthly principal and interest payments by an automatic, monthly deduction from a savings or checking account, your rate will be reduced by one quarter of one percent (0.25%) for so long as you continue to make automatic, electronic monthly payments. This benefit is suspended during periods of deferment and forbearance. Not all borrowers will qualify for our lowest rates, and your rate will be based on creditworthiness at time of application.

The information provided on this page is updated as of 03/09/2023. Earnest reserves the right to change, pause, or terminate product offerings at any time without notice.

Earnest loans are originated by Earnest Operations LLC. California Finance Lender License 6054788. NMLS # 1204917. Earnest Operations LLC is located at 303 2nd Street, Suite 401N, San Francisco, CA 94107. Terms and Conditions apply. Visit https://www.earnest.com/terms-of-service, e-mail us at [email protected], or call 888-601-2801 for more information on our student loan refinance product.

THIS IS AN ADVERTISEMENT. YOU ARE NOT REQUIRED TO MAKE ANY PAYMENT OR TAKE ANY OTHER ACTION IN RESPONSE TO THIS OFFER.

 

SoFi Student Loan Refinance

Features of a SoFi student loan refinance include:

  • No origination fee
  • No prepayment penalty or other hidden fees
  • Unemployment protection
  • Variable and fixed rates available
  • Combine federal and private student loans

SoFi Student Loan Refinance

Lender

SoFi Student Loan Refinance

Recommendation
Best for Student Loan Refinancing
Interest Rates

Variable as low as: 5.09% APR1

Fixed as low as: 4.49% APR1

Repayment Terms

5, 7, 10, 15, 20 years

Apply Now More Info
SoFi Student Loan Refinance

SoFi Student Loans

  • Rates as low as 5.09% variable and 4.49% fixed1
  • No fees or prepayment penalties
  • Unemployment protection

Private student loans lenders: SoFi Student Loan Refinancing

1Fixed rates range from 4.49% APR to 8.99% APR with a 0.25% autopay discount. Variable rates from 5.09% APR to 8.99% APR with a 0.25% autopay discount. Unless required to be lower to comply with applicable law, Variable Interest rates on 5-, 7-, and 10-year terms are capped at 8.95% APR; 15- and 20-year terms are capped at 9.95% APR. Your actual rate will be within the range of rates listed above and will depend on the term you select, evaluation of your creditworthiness, income, presence of a co-signer and a variety of other factors. Lowest rates reserved for the most creditworthy borrowers. For the SoFi variable-rate product, the variable interest rate for a given month is derived by adding a margin to the 30-day average SOFR index, published two business days preceding such calendar month, rounded up to the nearest one hundredth of one percent (0.01% or 0.0001). APRs for variable-rate loans may increase after origination if the SOFR index increases. The SoFi 0.25% autopay interest rate reduction requires you to agree to make monthly principal and interest payments by an automatic monthly deduction from a savings or checking account. This benefit will discontinue and be lost for periods in which you do not pay by automatic deduction from a savings or checking account. The benefit lowers your interest rate but does not change the amount of your monthly payment. This benefit is suspended during periods of deferment and forbearance. Autopay is not required to receive a loan from SoFi.

College Ave Student Loan Refinance

Features of a College Ave student loan refinance include:

  • Choose how long you take to repay your loan
  • No application or origination fees
  • Refinance up tp $300,000
  • Variable and fixed rates available
  • Combine federal and private student loan together

College Ave Student Loan Refinance

Lender

College Ave Student Loans

Recommendation
Best for Student Loan Refinancing
Interest Rates

Variable as low as: 5.99% APR1

Fixed as low as: 5.99% APR1

Repayment Terms

5, 10, or 15 years2

Apply Now More Info
College Ave Student Loans

College Ave Student Loans

  • Variable rate range: 5.99% – 11.99% APR1
  • Fixed rate range: 5.99% – 11.99% APR1
  • No application or prepayment fees
  • Apply in 3 minutes or less for instant credit decision

College Ave Student Loans products are made available through Firstrust Bank, member FDIC, First Citizens Community Bank, member FDIC, or M.Y. Safra Bank, FSB, member FDIC.. All loans are subject to individual approval and adherence to underwriting guidelines. Program restrictions, other terms, and conditions apply.

1The 0.25% auto-pay interest rate reduction applies as long as the borrower or cosigner, if applicable, enrolls in auto-pay and authorizes our loan servicer to automatically deduct your monthly payments from a valid bank account via Automated Clearing House (“ACH”). The rate reduction applies for as long as the monthly payment amount is successfully deducted from the designated bank account and is suspended during periods of forbearance and certain deferments. Variable rates may increase after consummation.

2This informational repayment example uses typical loan terms for a refi borrower who selects the Full Principal & Interest Repayment Option with a 10-year repayment term, has a $40,000 loan and a 5.5% Annual Percentage Rate (“APR”): 120 monthly payments of $434.11 while in the repayment period, for a total amount of payments of $52,092.61. Loans will never have a full principal and interest monthly payment of less than $50. Your actual rates and repayment terms may vary.

3$5,000 is the minimum requirement to refinance. The maximum loan amount is $250,000 for those with medical, dental, pharmacy or veterinary doctorate degrees, and $150,000 for all other undergraduate or graduate degrees.

Information advertised valid as of 03/01/2023. Variable interest rates may increase after consummation. Approved interest rate will depend on the creditworthiness of the applicant(s), lowest advertised rates only available to the most creditworthy applicants and require selection of full principal and interest payments with the shortest available loan term.

Iowa Student Loan Refinance

Features of an Iowa student loan refinance:

  • Fixed rate refinance loans
  • No origination, prepayment or late fees
  • Policies created to benefit borrowers and their families
  • Multiple repayment options
  • No obligation quote in minutes with no impact on your credit score

PenFed Student Loan Refinance

Features of a PenFed student loan refinance:

  • Spouses can refinance their loans together
  • No fees or prepayment penalties
  • Work with a personal loan advisor through every step of the process
  • Parents can refinance their student loans
  • Choose from multiple repayment terms

PenFed Student Loan Refinance

Lender

purefy

Recommendation
Best for Student Loan Refinancing
Interest Rates

Variable: 1.74% APR - 7.99% APR

Fixed: 2.73% APR - 7.99% APR

Repayment Terms

5 to 20 years

Apply Now More Info
purefy

Purefy Student Loan Refinancing

  • Rates as low as 1.74% APR variable and 2.73% APR fixed.
  • Check your rate in 2 minutes with no impact on credit.
  • We search our network of top-rated lenders to ensure you get the best deal.
  • Options available if you experience financial hardship.
  • No origination fees or prepayment penalties.

Purefy Student Loan Refinancing Rate and Terms Disclosure: Annual Percentage Rates (APR) ranges and examples are based on information provided to Purefy by lenders participating in Purefy’s rate comparison platform. For student loan refinancing, the participating lenders offer fixed rates ranging from 2.73% – 7.99% APR, and variable rates ranging from 1.74% – 7.99% APR. The maximum variable rate is 25.00%. Your interest rate will be based on the lender’s requirements. In most cases, lenders determine the interest rates based on your credit score, degree type and other credit and financial criteria. Only borrowers with excellent credit and meeting other lender criteria will qualify for the lowest rate available. Rates and terms are subject to change at any time without notice. Terms and conditions apply.

Nelnet Bank, Member FDIC Student Loan Refinance

Features of a Nelnet Bank, Member FDIC student loan refinance:

  • See the rate you qualify for in as little as two minutes
  • Refinancing for undergraduate, graduate, MBA, law school and health professions
  • Minimum income $36,000
  • Cosigner release available
  • No application or prepayment fees

Nelnet Student Loan Refinance

Lender

Nelnet Bank Logo

Recommendation
Best for Student Loan Refinancing
Interest Rates

Variable Rates between 6.59% - 13.25% APR1

Fixed Rates between 4.49% - 9.44% APR1

Repayment Terms

Multiple terms available

Apply Now More Info
Nelnet Bank Logo

You Put in the Work. Now Reap the Rewards.

  • Variable Rates between 6.59% - 13.25% APR1
  • Fixed Rates between 4.49% - 9.44% APR1
  • No application or prepayment fees
  • Cosigner release with 24 consecutive on-time payments2

Nelnet Bank Logo

1Interest Rates

Fixed interest rates range from 4.49% APR (with auto debit discount) to 9.44% APR (without auto debit discount). Your interest rate will depend on your (and if applicable, your cosigner’s) credit qualifications. The fixed interest rate will remain the same for the life of the loan.

Variable interest rates range from 6.59% APR (with auto debit discount) to 13.25% APR (without auto debit discount). Your interest rate will depend on your (and if applicable, your cosigner’s) credit qualifications. Variable rates may increase after consummation. Variable rates for Nelnet Bank Refinance Loans are calculated as the One-Month SOFR plus the applicable Margin percentage. Variable rates will be based on the highest One-Month SOFR as published by the Federal Reserve Bank of New York and/or the Wall Street Journal “Money Rates” table on the twenty-fifth day (or the next business day) of the immediately preceding calendar month. The variable rate may change on the first day of each month if the SOFR index changes. This may result in higher monthly payments. The current One-Month SOFR index is 4.32% as of January 1, 2023.

Auto Debit Interest rate reduction of .25% for automatically withdrawn payments from any designated bank account (“auto debit discount”). Auto debit discount applies when full payments (including both principal and interest) are automatically drafted from a bank account. The auto debit discount will continue to apply during periods of approved forbearance or deferment if the auto debit discount was in effect at the time of receiving the forbearance or deferment. Auto debit discount will remain on the account unless (1) the automatic deduction of payments is canceled or (2) there are three consecutive automatic deductions returned for insufficient funds at any time during the term of the loan.

The lowest rate for each loan type requires automatically withdrawn (“auto debit”) payment. The lowest rate is available only to the most creditworthy applicants. Not all borrowers will receive the lowest rate. The interest rate and Annual Percentage Rate (APR) may be higher depending upon (1) the credit history of the borrower and, if applicable, the cosigner, (2) the repayment option and loan term selected, (3) the loan type selected, and (4) the highest level of education attained. If approved, applicants will be notified of the rate qualified for within the stated range.

2Cosigner Release. A request for the cosigner to be released can be made by either the borrower or cosigner when each of the following conditions has been met:

  • The account must have been in full principal and interest repayment for at least 24 months.
  • Twenty-four consecutive, on-time principal and interest payments, or lump sum equivalent, must have been made. NOTE: A lump sum payment does not replace the requirement to have been in full principal and interest repayment for at least 24 months. Interest-only or fixed-pay payments while enrolled in school do not qualify towards the 24 consecutive on-time payments.
  • The loan must be current at the time of request.
  • The loan must not have been in deferment, hardship forbearance, or other alternative payment assistance plan within the past 24 months.
  • The loan must not have been permanently modified from its original terms in the credit agreement.
  • The primary borrower must be a U.S. citizen or have permanent residency in the United States.
  • The primary borrower must meet the age of majority requirement in their permanent state of residency.

Requirements are subject to change. If all of these conditions have been met, then an application for cosigner release may be submitted. The primary borrower is required to demonstrate they have the ability to assume sole responsibility for the loan(s) by providing proof of income, meeting debt-to-income requirements, and having a satisfactory credit history. (A credit report will be obtained during the review process).

3Refinance Loan Eligibility: You must be a U.S. citizen or permanent resident alien with a valid U.S. Social Security number, and be the legal age to enter into binding contracts in your state/territory of residency, or be at least 17 years of age and apply with a cosigner who is at least the age of majority in their state/territory. Non-residents can apply with an eligible cosigner who is a U.S. citizen or permanent resident alien with a valid U.S. Social Security number. The student loans you refinance must be in their grace or repayment period, and you can no longer be enrolled in school on a half-time or more basis. You must have at least $5,000 in student loans to refinance. You, or your eligible cosigner, must have an annual income of at least $36,000. Approval subject to credit review. Other credit criteria may apply.

Refinance Loan Limits:

Minimum loan amount: $5,000

Maximum student loan limits:

$125,000 for borrowers with an undergraduate degree.

$175,000 for borrowers with a graduate, MBA, or law degree.

$500,000 for borrowers with a graduate health professional degree.

Nelnet Bank, and any associated logos or design marks, are trademarks or service marks of Nelnet, Inc. All loan programs and terms are subject to change or may be discontinued at any time without notice. Certain restrictions and limitations may apply.

>>More: Student Loan Refinance

>>More: Student Loan Refinance Interest Rates

>>More: Refinance Student Loans in 4 Simple Steps

Best Student Loan Refinance Rates

The best student loan refinance rates start at around 4.47%. When it comes to finding the best loan and low rates, there are many things to consider. The best rate you will qualify for will likely be a variable interest rate. Variable interest rates fluctuate with the market, so while your initial variable rate may be low, keep in mind that it could increase over time, which will increase your monthly payment amount as well.

The lowest fixed rates are typically higher than the lowest variable rate but will stay the same for the life of the loan. Better rates are offered to borrowers who have stronger FICO® scores and meet the qualifications as determined by each lender. Some borrowers choose to apply with a strong creditworthy cosigner to improve their loan rates.

Student Loan Refinance Calculator

Using a student loan refinance calculator can help you estimate your new monthly payment amount and the total cost of the loan. The calculator below allows you to add multiple student loans and see the impact refinancing can make on your monthly payment.

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This calculator is provided for informational purposes only. Calculated results are based on many factors, including the assumptions provided by the user. We cannot and do not provide any guarantees, conditions or warranties as to result accuracy or applicability to the user’s particular circumstances. It is the responsibility of the user to verify that all of the output and resulting calculations are correct. This calculator should not be used by anyone to make material financial decisions and should be used solely for informational purposes. Actual terms will be set by your lender or your school. We encourage any user to seek personalized advice from qualified professionals regarding all personal finance issues. The results of this calculator are not based on any information provided by or an affiliation with any school.

 

Best Way to Refinance Student Loans

The best way to refinance your student loans is to look for a private lender that offers competitive interest rates, fees, and loan benefits. You can scroll up to see our lineup and get started or learn the steps to complete the refinance process in our How To section.

Some quick words of advice. You may want to start with an understanding of your credit history. Know where you stand in terms of your credit score and which items are listed on your report. If there is any inaccurate information you will want to resolve this so it doesn’t get in the way of the application process to refinance your student loans. You can get a free copy of your credit report at AnnualCreditReport.com. The free report will not include your actual credit score, just the items contained in your credit history. However, you can purchase copies of your report with your credit score included through Equifax, Experian, or TransUnion.

Pros and Cons of Refinancing Student Loans

Here are some pros and cons to consider regarding student loan refinancing. You should look at what you’ll potentially save versus any downsides. This boils down to the problem you are trying to solve, along with any financial benefits, as well as an honest review of whether you’d be sacrificing any federal benefits. (This applies if you include federal student loans in your refinance loan.)

Problem You're Trying to Solve Is Refinancing Worth It? 
 You're looking to reduce your interest rate  Yes. Even with lower loan balances, reducing your annual percentage rate (APR) can help you save money.
 You have multiple loans and you want to simplify repayment  Yes, refinancing your student loans into one loan will result in one monthly payment.
 You want to release your cosigner  Yes, so long as you qualify without a cosigner or a different cosigner, you can remove your existing cosigner during the refinance process.
 You want to transfer your parent loan debt to your child Yes. But you should know that your child will need to apply for the refinanced loan and pass a credit check on their own merit.
 You need to reduce your monthly payment Yes. However, if you have federal loans and think you mat qualify for an income driven repayment plan, you may want to research your options.
 You have federal student loans and you're pursuing a public-service career, or an occupation in a national/regional shortage area  Maybe not. At least not where your federal student loans are concerned. You should do some homework on student loan forgiveness programs to understand if you qualify.

Student Loan Consolidation vs. Refinancing

The following table highlights the key difference between student loan consolidation and student loan refinancing.

Direct Consolidation Student Loan Refinancing
 Combine 2 or more federal student loans together (with a few exceptions to consolidate a single loan)  Can combine both private and federal student loans together
 Interest rate is simply the weighted average of all federal student loans, rounded up to the nearest 1/8th percent  Allows you to lower your interest rate and take advantage of competitive offers
 Remains a federal student loan  Single loans can be refinanced
   Provides an option for parents to refinance student loan debt in their child's name
   Refinanced federal loans are no longer eligible for benefits under the federal student loan program

When to Refinance Student Loans

The best time to refinance your student loans is when interest rates are low, you have an established credit history or a creditworthy cosigner, and you have stable employment. Rates for March 2023 are as low as 4.47%. Also, most lenders require that you are no longer enrolled in school to be eligible. In other words, you would have either graduated or left school. This also means the time to refinance student loans is when you are employed.

Refinance Private Student Loans

Refinancing your private student loans can be a great way to reduce your interest rate and qualify for different repayment terms. This includes combining your existing student loans (private and/or federal—your choice) into one private student loan. It also can mean refinancing a single loan. A credit check is required to qualify.

Frequently Asked Questions

How Do You Qualify for a Student Loan Refinance?

To qualify for student loan refinance, you will need to meet the lender’s minimum eligibility criteria. This varies from one company to another. For example, some lenders may only refinance loans for students who have obtained a degree or live in certain states. With that in mind, here are some of the more common factors that lenders use to evaluate applicants looking to refinance student loans:

  • Credit score - Lenders typically have a minimum credit score (for example, a FICO of around 670) that borrowers must meet to qualify for a loan to refinance student loan debt. A higher credit score usually means a lower interest rate.
  • Credit history - Lenders run a credit check to examine your credit history and determine if you are creditworthy.
  • Income - Many lenders have a minimum income that borrowers must meet.
  • Debt-to-income ratio – Your lender will review how much outstanding debt you already have and compare that to your income to calculate your debt-to-income ratio.
  • Minimum loan amount - Many lenders require borrowers to have at least $5,000 in existing loans to refinance.
  • Maximum loan amount – Some lenders may limit how much student loan debt they are willing to refinance. Each lender may have different maximum loan amounts depending on the type of degree.

Should I Refinance My Student Loans?

You should consider refinancing your student loans if your monthly payments are unmanageable, you want to lower your interest rate, or you want a new repayment term for a single loan with a large balance. Of course, any or all of these could apply. Refinancing your student loans allows you to accomplish some key goals, including:

  • Lower your interest rate. You may be able to get a lower interest rate which could potentially save you thousands of dollars during loan repayment.
  • Reduce your monthly payment. By extending your loan repayment term from 10 years to perhaps 15 years or more, you could lower your monthly payment.
  • Eliminate the hassle of paying multiple lenders. Refinancing your student loans could help you can reduce the stress of paying multiple loan servicers, as well as the risk of forgetting to pay one of your loans.
  • Contribute more savings. With additional wiggle room in your monthly budget, you can set aside money for an emergency fund or short-term savings because life happens.
  • Release a cosigner. If you needed a cosigner to help you qualify for an in-school loan (such as a private loan), refinancing your student loan debt is a way to release your cosigner.
  • Continue to leverage tax deductions. Interest paid on a refinanced student loan may still qualify for a federal income tax deduction, subject to limitations on Adjusted Gross Income.
  • No prepayment penalties. Private student loan lenders, including our partners that offer refinancing, do not charge a prepayment penalty.

How Often Can You Refinance Student Loans?

You can refinance your student loans multiple times, like refinancing a house. As market rates change or decrease, you may want to take advantage of a lower interest rate. And you can refinance an existing loan that was previously refinanced. There are virtually no limits on the number of times you can refinance your student loans. However, you should keep in mind that you hit reset on the repayment clock each time. This means you start over at the beginning of a new repayment term, whether that’s 10, 12, 15, 20 years or longer. However, you can always ask for a shorter term.

Another option, assuming your refinance loan lowers your monthly payment and extends your repayment term, is to pay more than your monthly payment and ask for that overpayment be applied to your principal balance. You just want to confirm that there are no prepayment penalties on your loan.

Can I Refinance Federal Student Loans?

Yes, you can refinance federal student loans. In fact, you can include your federal loans with any private loans you have. Or you can simply refinance federal loans on their own. The biggest benefit associated with refinancing federal student loans over opting for loan consolidation is that you may qualify for a lower interest rate. Currently, you cannot lower your interest rate under a federal Direct Consolidation Loan. But before you pull the trigger on refinancing federal loans, keep in mind that the federal government does not offer any options to refinance student loan debt.  When you refinance your federal student loans, they become private loans.  Make sure to review the benefits you may be giving up in the federal program, including deferment options and potential loan forgiveness (assuming you meet the criteria).

What Does it Mean to Refinance Student Loans?

Refinancing your student loans means combining multiple loans into one new loan so that you can have a single monthly payment, along with a new repayment term. It can also mean potentially qualifying for a lower interest rate. On top of that, you can refinance a single loan to achieve more favorable terms. However, you will need to pass a credit check to qualify.

Another aspect of refinancing student loans is that you can combine both federal and private student loans together. In fact, you can only achieve that through refinancing with a private lender. The Direct Consolidation Loan program does not offer this option. We highly encourage you to examine whether you are giving up benefits that are unique to the federal student loan program before including federal loans in a refinance.

Student Loan Refinance With Cosigner

It may be a smart move to apply for student loan refinancing with a cosigner. First, it could help you qualify for the loan in the first place since you must demonstrate that you are creditworthy with proof of income. If your work history or credit history is not strong enough, lenders may encourage you to apply with a creditworthy cosigner to qualify. Second, applying with a cosigner who will be jointly liable for the loan increases the lender’s confidence in your ability to make your loan payments. And the better your cosigner’s credit history, the lower the rate you may qualify for. So, there is an added financial incentive for you to add a cosigner.

Another thing to consider is the unexpected. It simply helps to have someone who has your back in the event you have difficulty making your payments. A cosigner is equally responsible for the loan, and therefore has a bigger commitment to step in and help if you fall on hard times. Some lenders do offer a cosigner release option on refinanced student loans after you meet a defined number of on-time, qualifying payments. You’ll need to pass a new credit check in your own name, but this option can be important when trying to find a cosigner as you can request their help temporarily.  

Can You Refinance Student Loans While In School?

Most lenders will not allow you to refinance your student loans while you are still in school. You will need to complete your degree or confirm that you are no longer enrolled on a half-time basis or more. Policies vary by lender.

How Do You Refinance Student Loans?

Learning how to refinance your student loans is as easy as following some basic steps. It will take a little time to complete, but the application process is straightforward.

  1. Decide which loans you want to include in your refinance. This can include both federal and private student loans.
    • If you need help locating your federal loans, log into your account on StudentAid.gov. (You will need to login with your FSA ID.)
    • To track down each of your private loans, request a free copy of your credit report through Annual Credit Report. Your lenders and loan balances will be listed.
  2. Look for a lender that offers the types of features you need.
  3. Apply for the loan and add a cosigner, if needed. You can also get pre-qualified and find your rate prior to making a commitment.
    • Submit verification documents
    • Be on the lookout for final disclosure statements to be signed
  4. Continue making student loan payments until your new lender confirms your existing loans have been paid in full. 

Can You Refinance Student Loans Without a Degree?

Some lenders will allow you to refinance your student loans without a degree. Others will require degree completion. And some lenders may ask you to specify which school you attended since their refinance loans may only be available to former students from select colleges or universities. You will need to confirm your eligibility with your potential lender.

Can You Consolidate Private Student Loans?

Private student loans can be refinanced (consolidated) with a private lender. Typically, consolidation is the term used when referring to the Direct Consolidation Loan program, which is only available for federal student loans. Private student loan refinancing on the other hand, sometimes referred to as private student loan consolidation, allows you to combine private and/or federal student loans into one new loan with a private lender.

Can You Consolidate Private and Federal Student Loans?

If you are interested in consolidating your federal AND private student loans at the same time, then you will want to check out student loan refinancing through a private lender. It is the only way to combine both types of loans together. Private student loans are not eligible for federal student loan consolidation, which only allows you to combine eligible federal student loans into a federal Direct Consolidation Loan.

Should You Refinance Student Loans During the COVID-19 Pandemic?

Stay up-to-date with current information about the Biden student loan forgiveness and repayment relief here!

Certain borrowers may benefit from refinancing student loans during the COVID-19 pandemic. Whether it’s an ideal option for you will depend on your existing loans, their interest rates, and your ability to make student loan payments right now.

While student loan interest rates are lower as a result of COVID-19, it doesn’t make much financial sense to refinance federal student loans during the pandemic if your loans are receiving student loan relief benefits under the CARES Act.  Most federal student loans (Direct Loans, and other federal student loans held by the U.S. Department of Education) are receiving student loan debt relief—an administrative forbearance until Dec. 31, 2022, meaning you don’t have to make monthly payments, and your loans aren’t accruing any interest.

However, despite all these points against refinancing student loans during the COVID-19 pandemic, it can still offer benefits. For example, if you only have private student loans, your federal loans don’t qualify for student loan debt relief under the CARES Act, or the interest rate on your federal student loans is significantly higher than current loan rates to refinance, you could save money by refinancing.

If your loans are receiving student loan debt relief under the CARES Act, you can take this time to strategize the repayment of your student loan debt. Check out your credit score and start comparing refinance lenders. Get an idea of how much you could potentially save if you were to refinance. When your loans re-enter repayment in Dec 2022, you’ll be able to execute your plan!

Just make sure you go into the application process understanding the benefits you are forfeiting by refinancing, if you have federal student loans.

Is Refinancing Student Loans Better Than Consolidation?

Whether refinancing student loans is better than loan consolidation depends on your goals. If you are mainly interested in rolling multiple federal student loans into one new loan to simplify the payment process, loan consolidation may be able to help you. Just remember, consolidation will not lower your interest rate.

If your goal is to lower your interest rate, you should look into student loan refinancing options. There is no way in the federal student loan program to lower your interest rate. We recommend taking the time to compare the cost benefits of consolidating vs. refinancing student loans before making a decision.

Does Refinancing Student Loans Impact Your Credit Score?

Choosing to refinance student loans is unlikely to have any significant impact on your credit score so long as you continue to make monthly payments on your current loans until the refinance goes through.

The hard credit check when you officially complete the loan application may temporarily drop your credit score . If you’re unsure which private lender you plan to refinance your student loans with, consider prequalifying with multiple lenders before applying.

This option will allow you to view loan terms, student loan interest rates, and more, but only involves a soft pull on your credit report. Soft inquires have no effect on your credit score. By allowing a soft pull of your credit report, your potential lender will be able to share with you more accurate examples of the types of rates you may be able to qualify for.

If I Refinance My Student Loans, Which Loan Repayment Term Should I Choose?

The right loan repayment plan for you will depend primarily on your financial situation. Short repayment terms result in higher monthly payments, but you’ll pay your loan off sooner and pay less interest as a result. Longer repayment terms lead to lower monthly payments but higher costs over the life of the loan.

If you want to refinance and leave yourself the flexibility to pay less each month, save for retirement in the future, or cover emergency costs, you could choose a longer repayment term when you refinance your student loans but pay extra each month. With this option it’s vital to ensure your loan terms don’t include a prepayment penalty.

Should I Go for a Variable-Rate Loan or Fixed-Rate Loan When I Refinance?

With a fixed-rate loan, you gain the advantage of predictability. Fixed APR means fixed loan payments. However, the risk of variable APR does come with the possibility of significant savings—if you can pay your student loans off early.

Variable-rate loans typically start off with a lower interest rate than fixed-rate loans, so if you pay your loan off early, you can cash in on ultra-low interest rates and pay your student loans off faster in the process. However, make sure to look at the entire interest rate range for your variable-rate loan. Make sure you can afford your monthly payments if the rate were to jump to the highest rate listed in your loan term. Just like when considering loan repayment options, remember to verify your loan terms don’t include a prepayment penalty as you could lose all the money you saved in fees!

 

What to Read Next

Parent PLUS Loan Forgiveness

How to Pay Off Student Loans Fast

Save Money on Student Loan Payments

Student Loan Grace Period

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