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refinance student loans

  • Refinance federal, private and ParentPLUS loans
  • Lower your interest rate or reduce your monthly payment
  • Compare prequalified rates from up to 10 vetted lenders in 2 minutes

private student loans

  • Private loans for college, graduate and professional degrees
  • Cover up to 100% of your school-certified costs after financial aid
  • Flexible repayments: deferred, interest only, and many others for all financial needs

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Compare comprehensive options
from our partner lenders
  • Student Loan Refinancing
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Advantage
Education Loans
Rates from (APR)
Fixed: 4.54%
Loan term

10, 15, 20 yrs

Eligible degrees

Undergrad & Graduate

Brazos
Rates from (APR)
Fixed: 2.49%Variable: 1.94%
Loan term

5, 7, 10, 15, 20 yrs

Eligible degrees

Undergrad & Graduate

Citizens Bank
Rates from (APR)
Fixed: 2.99%1Variable: 1.99%1
Loan term

5, 7, 10, 15, 20 yrs1

Eligible degrees

Undergrad & Graduate

College Ave
Rates from (APR)
Fixed: 3.34%2Variable: 3.24%2
Loan term

5 - 20 yrs2

Eligible degrees

Undergrad & Graduate

ELFI
Rates from (APR)
Fixed: 2.79%3Variable: 2.39%3
Loan term

5, 7, 10, 15, 20 yrs3

Eligible degrees

Undergrad & Graduate

INvestEd
Rates from (APR)
Fixed: 2.92%4Variable: 2.01%4
Loan term

5, 10, 15, 20 yrs4

Eligible degrees

Undergrad & Graduate

MEFA
Rates from (APR)
Fixed: 3.05%Variable: 3.05%
Loan term

7, 10, 15 yrs

Eligible degrees

Undergrad & Graduate

PenFed
Rates from (APR)
Fixed: 2.99%Variable: 2.25%
Loan term

5, 8, 12, 15 yrs

Eligible degrees

Undergrad & Graduate

RISLA
Rates from (APR)
Fixed: 3.49%
Loan term

5, 10, 15 yrs

Eligible degrees

Undergrad & Graduate

SoFi
Rates from (APR)
Fixed: 2.99%5Variable: 2.25%5
Loan term

5, 7, 10, 15, 20 yrs5

Eligible degrees

Undergrad & Graduate

Get personalized rates from multiple lenders in 2 minutes
See My RatesChecking rates won't affect your credit
Ascent
Rates from (APR)
Fixed: 3.58%Variable: 2.69%
Loan term

5, 7, 10, 12, 15, 20 yrs

Eligible degrees

Undergrad & Graduate

Citizens Bank
Rates from (APR)
Fixed: 4.25%5Variable: 1.23%5
Loan term

5, 10, 15 yrs5

Eligible degrees

Undergrad & Graduate

College Ave
Rates from (APR)
Fixed: 3.49%6Variable: 1.09%6
Loan term

5, 8, 10, and 15 yrs8

Eligible degrees

Undergrad & Graduate

EDvestinU
Rates from (APR)
Fixed: 4.09%13Variable: 2.02%13
Loan term

7, 10, 15 yrs

Eligible degrees

Undergrad & Graduate

INvestEd
Rates from (APR)
Fixed: 4.09%14Variable: 1.92%14
Loan term

5, 10, 15 yrs14

Eligible degrees

Undergrad & Graduate

MEFA
Rates from (APR)
Fixed: 3.75%
Loan term

10, 15 yrs

Eligible degrees

Undergrad & Graduate

Sallie Mae
Rates from (APR)
Fixed: 4.25% APR - 12.35% APR9
Variable: 1.25% APR - 11.10% APR9
Loan term

5 - 15 yrs10

Eligible degrees

Undergrad

Get personalized rates from multiple lenders in 2 minutes
See My RatesChecking rates won't affect your credit
All APRs reflect autopay and loyalty discounts where available
Avant
Rates from (APR)
9.95% - 35.99%
Loan term

2 - 5 yrs

Loan amount

Up to $35,000

Axos
Rates from (APR)
6.49% - 29.99%
Loan term

1 - 5 yrs

Loan amount

Up to $35,000

Best Egg
Rates from (APR)
5.99% - 29.99%
Loan term

3, 5 yrs

Loan amount

Up to $35,000

Discover
Personal Loans
Rates from (APR)
6.99% - 24.99%
Loan term

3 - 7 yrs

Loan amount

Up to $35,000

FreedomPlus
Rates from (APR)
7.99% - 29.99%
Loan term

2 - 5 yrs

Loan amount

Up to $40,000

LendingClub
Rates from (APR)
10.68% - 35.89%
Loan term

3, 5 yrs

Loan amount

Up to $40,000

LendingPoint
Rates from (APR)
15.49% - 35.99%
Loan term

2 - 4 yrs

Loan amount

Up to $25,000

LightStream
Rates from (APR)
3.99% - 19.99%
Loan term

2 - 7 yrs

Loan amount

Up to $100,000

Marcus
by Goldman Sachs
Rates from (APR)
6.99% - 19.99%
Loan term

3 - 6 yrs

Loan amount

Up to $40,000

OneMain Financial
Rates from (APR)
18.00% - 35.99%
Loan term

2 - 5 yrs

Loan amount

Up to $20,000

Payoff
Rates from (APR)
5.99% - 24.99%
Loan term

2 - 5 yrs

Loan amount

Up to $35,000

PenFed
Rates from (APR)
6.49% - 17.99%
Loan term

1 - 5 yrs

Loan amount

Up to $20,000

Prosper
Rates from (APR)
6.95% - 35.99%
Loan term

3, 5 yrs

Loan amount

Up to $40,000

SoFi
Rates from (APR)
5.99% - 18.83%
Loan term

2 - 7 yrs

Loan amount

Up to $100,000

Upgrade
Rates from (APR)
7.99% - 35.97%
Loan term

3, 5 yrs

Loan amount

Up to $35,000

Upstart
Rates from (APR)
8.13% - 35.99%
Loan term

3, 5 yrs

Loan amount

Up to $50,000

Get personalized rates from multiple lenders in 2 minutes
See My RatesChecking rates won't affect your credit
All APRs reflect all applicable discounts where available
Customers rate us 9.5/10
Credible in the news

Refinancing through Credible, Colleen cut her federal
student loan interest rates that ranged between
6-8% down to 4.5%, saving $12,000
over the life of her loan.

Now let us help you. Get started today.
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