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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: 3.48%

Variable: 2.32%

5, 8, 12, 15 yrs

Undergrad & Graduate

Compare Options for Student Loan Consolidation and Refinancing

EDvestinU

Fixed: 4.93%

Variable: 4.66%

10, 15, 20 yrs

Undergrad & Graduate

MEFA

Fixed: 3.60%

ELFI

Variable: 3.24%

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: 3.14%

Undergrad & Graduate

Citizens Bank

Fixed: 3.45%

Variable: 2.19%

5, 7, 10, 15, 20 yrs

Undergrad & Graduate

Variable: 2.39%

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1

1

Brazos

Fixed: 3.10%

5, 7, 10, 15, 20 yrs

Undergrad & Graduate

Variable: 1.90%

LENDER

RATES FROM (APR)

LOAN TERM

ELIGIBLE DEGREES

3

3

College Ave

Fixed: 3.54%

Variable: 2.37%

5 - 20 yrs

Undergrad & Graduate

2

2

2

3

1

All APRs reflect autopay and loyalty discounts where available

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SoFi

Fixed: 3.46%

Variable: 2.21%

5, 7, 10, 15, 20 yrs

Undergrad & Graduate

3

4

4

4

2

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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*Student Loan Refinancing Rate and Terms Disclosure: The lenders on the Credible.com platform offer fixed rates ranging from 3.14% - 9.02% (3.14% - 9.02% APR). Variable interest rates offered by the lenders on Credible.com range from 2.19% - 8.92% (2.19% - 8.92% 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.