Special Offer for MMM Readers:

Enjoy a $300 bonus* when you refinance with Credible

Pay Less on Student Loans. Get More out of Life.

Compare prequalified student loan refinancing rates from up to 10 lenders without affecting your credit score. 100% free!

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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

Use our comprehensive tools to quickly find a plan for you

Get actual prequalified rates based on your credit profile, no estimates

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

Join thousands of others who have already saved by refinancing.

5, 7, 10, 15, 20 yrs

PenFed

Undergrad & Graduate

Fixed: 3.23%

Variable: 1.58%

5, 8, 12, 15 yrs

Undergrad & Graduate

Compare Options for Student Loan Consolidation and Refinancing

EDvestinU

Fixed: 4.41%

Variable: 3.89%

10, 15, 20 yrs

Undergrad & Graduate

MEFA

Fixed: 5.45%

ELFI

Variable: 5.45%

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

Fixed: 4.25%

Undergrad & Graduate

Citizens Bank

Fixed: 3.79%

Variable: 2.72%

5, 7, 10, 15, 20 yrs

Undergrad & Graduate

Variable: 3.50%

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1

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Brazos

Fixed: 3.50%

5, 7, 10, 15, 20 yrs

Undergrad & Graduate

Variable: 3.17%

LENDER

RATES FROM (APR)

LOAN TERM

ELIGIBLE DEGREES

3

3

College Ave

Fixed: 4.64%

Variable: 3.64%

5 - 20 yrs

Undergrad & Graduate

2

2

2

3

1

 All APRs reflect all applicable discounts where available

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SoFi

Fixed: 4.25%

Variable: 3.50%

5, 7, 10, 15, 20 yrs

Undergrad & Graduate

3

4

4

4

2

5

5

5

5

See personalized rates from multiple lenders in 2 minutes

Checking rates will not affect your credit score

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!

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…

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