Student Loan Refinance:
Resources & Lender Reviews

Student loan refinancing allows qualified borrowers to adjust the interest rate and repayment terms on their private and federal student loans by taking out a new loan that pays off their existing debt.

Student loan refinancing lender reviews

Check out our reviews of Credible's student loan refinancing partner lenders to help you make an educated choice. Read our full student loan refinance lender methodology.

3.0
Credible Rating
Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. Read our full methodology.

Advantage offers student loan refinancing with three repayment terms and the ability to transfer a Parent PLUS loan into the student's name.

4.4
Credible Rating
Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. Read our full methodology.

Brazos can be a good choice if you live in Texas, have finished your degree, and have good credit.

4.7
Credible Rating
Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. Read our full methodology.

Citizens offers student loan refinancing even if you didn’t graduate, as well as private student loans.

4.4
Credible Rating
Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. Read our full methodology.

College Ave offers flexible loan terms so your monthly payments can stay within budget.

4.5
Credible Rating
Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. Read our full methodology.

CommonBond offers student loan refinancing with flexible repayment terms to U.S. citizens and immigrants with work visas, as well as private student loans.

4.4
Credible Rating
Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. Read our full methodology.

ELFI has no set maximum, so you can refinance bigger loan balances.

3.9
Credible Rating
Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. Read our full methodology.

INvestEd offers student loan refinancing even if you didn’t graduate, as well as private student loans for students living or going to college in Indiana.

4.2
Credible Rating
Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. Read our full methodology.

ISL Education Lending allows borrowers to refinance while still in school and also offers a graduated repayment plan

4.0
Credible Rating
Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. Read our full methodology.

MEFA offers student loan refinancing to borrowers whether they completed their degree or not and private student loans with fixed rates.

4.5
Credible Rating
Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. Read our full methodology.

PenFed allows students to refinance parent loans into their own name and spouses to refinance their loans together.

3.7
Credible Rating
Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. Read our full methodology.

RISLA student loan refinancing offers competitive rates and income-based repayment for borrowers facing financial hardships.

4.5
Credible Rating
Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. Read our full methodology.

SoFi offers student loan refinancing with no fees to its borrowers.

How to refinance your student loans

Your first step is to compare lender rates and terms to choose the best refinancing lender for your situation.

How to pay off student loans

The most effective way to pay off your student loans is to pay more than the minimum payment whenever you can.

Compare lenders by loan type

No matter which student loans you have (or how much you're in debt), you can usually find a lender who can help you refinance.

Student loan forgiveness by profession

There are many student loan forgiveness and repayment assistance programs available, depending on your job type.

Student loan repayment plans

Whether you want to reduce your monthly payment, pay less interest, or qualify for loan forgiveness — there are many different repayment plans to choose from.

What you should know about student loan refinancing

Check out more of our articles on student loan refinancing, so you're prepared when it comes to your student loans.