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Compare Options for Student Loan Consolidation and Refinancing

 All APRs reflect all applicable discounts where available

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MEFA

Fixed: 3.65%

Variable: 3.65%

10, 15 yrs

Undergrad & Graduate

RISLA

Fixed: 3.49%

5, 10, 15 yrs

Undergrad & Graduate

Advantage Education Loans

Fixed: 4.54%

10, 15, 20 yrs

Undergrad & Graduate

Citizens Bank

Fixed: 2.99%

Variable: 1.99%

5, 7, 10, 15, 20 yrs

Undergrad & Graduate

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PenFed

Fixed: 2.99%

Variable: 2.25%

5, 8, 12, 15 yrs

Undergrad & Graduate

LENDER

RATES FROM (APR)

LOAN TERM

ELIGIBLE DEGREES

ELFI

Fixed: 2.79%

Variable: 2.39%

5, 7, 10, 15, 20 yrs

Undergrad & Graduate

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Variable: 1.92%

Brazos

Fixed: 2.49%

5, 7, 10, 15, 20 yrs

Undergrad & Graduate

College Ave

Fixed: 3.74%

Variable: 3.64%

5 - 20 yrs

Undergrad & Graduate

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SoFi

Fixed: 2.99%

Variable: 2.25%

5, 7, 10, 15, 20 yrs

Undergrad & Graduate

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INvestEd

Fixed: 2.92%

Variable: 1.99%

5, 10, 15, 20 yrs

Undergrad & Graduate

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How to Refinance Your Student Loans Through Credible

Choose an option you like 

Easily compare your prequalified options in one place

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Provide your loan details (3 mins)

Provide some additional details about yourself

Use our easy import tools to add the loans you want to refinance

Get your final offer in as little as 1 business day

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* Actual results may vary

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What Our Users Are Saying

Winning situation

After my son used Credible to refinance his school loans, I decided to attempt refinancing my parent loans through them. I am very thankful for the opportunity to refinance my loans...

Amazing

Amazing! I wished I went to this site sooner, lead me to the loans with the lowest rates, I was able to pick which one is best for me. Thanks Credible!

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It was very easy to get a range of offers on student loan refinancing. I'm trying to rebuild my credit and after a dozen "no" answers credible got me several offers…

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*Student Loan Refinancing Rate and Terms Disclosure: The lenders on the Credible.com platform offer fixed rates ranging from 2.49% - 8.74% (2.49% - 8.74% APR). Variable interest rates offered by the lenders on Credible.com range from 1.92% - 8.74% (1.92% - 8.74% APR). Variable rates will fluctuate over the term of the borrower's loan with changes in the LIBOR rate. The maximum variable rate on the Education Refinance Loan is the greater of 21.00% or Prime Rate plus 9.00%. Rates are subject to change at any time without notice. Your actual rate may be different from the rates advertised and/or shown above and will be based on factors such as the term of your loan, your financial history (including your cosigner’s (if any) financial history) and the degree you are in the process of achieving or have achieved. While not always the case, lower rates typically require creditworthy applicants with creditworthy co-signers, graduate degrees, and shorter repayment terms (terms vary by lender and can range from 5-20 years) and include loyalty and Automatic Payment discounts, where applicable. Loyalty and Automatic Payment discount requirements as well as Lender terms and conditions will vary by lender and therefore, reading each lender’s disclosures is important. Additionally, lenders may have loan minimum and maximum requirements, degree requirements, educational institution requirements, citizenship and residency requirements as well as other lender-specific requirements.