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Compare prequalified student loan refinancing rates from multiple lenders without affecting your credit score. 100% free!

*Limited time offer: In order to qualify for the $1,000 bonus, the amount refinanced must be equal to or more than $100,000. Borrowers who refinance a balance below $100,000, will receive a $500 bonus. Bonus is paid via e-giftcard.

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How to Refinance Your Student Loans Through Credible

Choose an option you like 

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Compare Options for Student Loan Consolidation and Refinancing

Learn more about the best student loan refinance companies

 All APRs reflect all applicable discounts where available

|   ELFI Disclosures

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Citizens Bank Disclosures

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|   SoFi Disclosures

|   College Ave Disclosures

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|   EDvestinU Disclosures

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|   INvestEd Disclosures

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MEFA

Fixed: 3.05%

Variable: 3.05%

10, 15 yrs

Undergrad & Graduate

RISLA

Fixed: 3.19%

5, 10, 15 yrs

Undergrad & Graduate

Advantage Education Loans

Fixed: 4.54%

10, 15, 20 yrs

Undergrad & Graduate

Citizens Bank

Fixed: 2.97%

Variable: 1.99%

5, 7, 10, 15, 20 yrs

Undergrad & Graduate

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1

1

PenFed

Fixed: 2.99%

Variable: 2.19%

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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3

Variable: 1.93%

Brazos

Fixed: 2.70%

5, 7, 10, 15, 20 yrs

Undergrad & Graduate

College Ave

Fixed: 3.34%

Variable: 3.24%

5 - 20 yrs

Undergrad & Graduate

2

2

2

3

SoFi

Fixed: 2.99%

Variable: 2.25%

5, 7, 10, 15, 20 yrs

Undergrad & Graduate

4

4

4

INvestEd

Fixed: 3.46%

Variable: 2.51%

5, 10, 15, 20 yrs

Undergrad & Graduate

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6

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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...

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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!

See K.G's review on Trustpilot

One Stop Shop

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…

See Cassandra’s review on Trustpilot

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