Exclusive for MMM Readers

Enjoy up to a $1,000 bonus* when you refinance with Credible

Find My Rate

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

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.

Trustpilot

Featured in:

Fill out a quick simple form (2 mins)

One form to access options from top lenders

Checking your rates won’t affect your credit score

Your information is not shared with lenders at this point

1

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

2

3

* Actual results may vary

Join thousands of others who have already saved by refinancing.

Refinance My Loans

Compare Options for Student Loan Consolidation and Refinancing

Iowa Student Loan

Fixed: 2.55%

5, 7, 10, 15, 20 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

Fixed: 2.89%

Variable: 2.19%

5, 7, 10, 15, 20 yrs

Undergrad & Graduate

1

1

1

PenFed

Fixed: 2.99%

Variable: 2.15%

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

3

3

Variable: 1.89%

Brazos

Fixed: 2.95%

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: 2.85%

5, 7, 10, 15, 20 yrs

Undergrad & Graduate

4

4

4

INvestEd

Fixed: 3.47%

Variable: 2.47%

5, 10, 15, 20 yrs

Undergrad & Graduate

6

6

6

7

MEFA

Fixed: 3.05%

Variable: 3.05%

10, 15 yrs

Undergrad & Graduate

Learn more about the best student loan refinance companies

 All APRs reflect all applicable discounts where available

|   ELFI

3

Citizens Bank

1

4

|   SoFi

|   College Ave

2

|   EDvestinU

5

|   INvestEd

6

|   Iowa Student Loan

7

See personalized rates from multiple lenders in 2 minutes

See My Rate

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...

See Betty's review on Trustpilot

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

Trustpilot

Now let us help you. Get started today.

Get Started
Contact Us

Questions? Our Client Success Team is here to help