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

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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.

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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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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