10 Best Companies to Refinance Law School Loans

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Attending law school can be pricey, with the average law school debt coming in at $134,600. This amount of debt can feel overwhelming, but there are a few strategies that could make it easier to handle.

One of these options is refinancing your law school loans, which could help you save money and potentially pay off your loans faster. If you’re thinking about refinancing your law school loans, it’s important to consider as many lenders as you can to find the right loan for you.

Here are Credible’s partner lenders that offer law school loan refinancing:

Lender	Fixed rates from (APR)	Variable rates from (APR)	Loan terms (years)	Loan amounts
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. View details	4.54%+	N/A	10, 15, 20	$7,500 up to up to $200,000 (larger balances require special approval)
Fixed APR: 4.54%+ Variable APR: N/A Min. credit score: Does not disclose Loan amount: $7,500 up to $500,000 Loan terms (years): 10, 15, 20 Max. undergraduate loan balance: $250,000 - $500,000 Time to fund: 4 months Repayment options: Immediate repayment, forbearance, loans discharged upon death or disability Fees: None Discounts: Autopay Eligibility: Must be a resident of Kentucky Customer service: Phone Soft credit check: No Cosigner release: After 36 months Loan servicer: Kentucky Higher Education Student Loan Corporation Max. graduate loan balance: $250,000 - $500,000 Credible Review: Advantage Education Loan review Offers Parent PLUS Refinancing : Yes
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. View details	2.95%+	1.89%+	5, 7, 10, 15, 20	$10,000 up to $250,000 (depending on degree)
Fixed APR: 2.95%+ Variable APR: N/A Min. credit score: Does not disclose Loan amount: $10,000 to $400,000 Loan terms (years): 5, 7, 10, 15, 20 Repayment options: Military deferment, forbearance Fees: Late fee Discounts: Autopay Eligibility: Must have a credit score of at least 720, a minimum income of $60,000, and must be a resident of Texas Customer service: Email, phone Soft credit check: Does not disclose Cosigner release: No Loan servicer: Firstmark Services Max. Undergraduate Loan Balance: $100,000 - $149,000 Max. Graduate Loan Balance: $200,000 - $400,000 Offers Parent PLUS Refinancing: Does not disclose
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. View details	2.89%+¹	2.19%+¹	5, 7, 10, 15, 20	$10,000 to $500,000 (depending on degree and loan type)
Fixed APR: 2.89%+¹ Variable APR: 2.19%+¹ Min. credit score: Does not disclose Loan amount: $10,000 to $750,000 Loan terms (years): 5, 7, 10, 15, 20 Repayment options: Immediate repayment, academic deferment, military deferment, forbearance, loans discharged upon death or disability Fees: Late fee Discounts: Autopay, loyalty Eligibility: Must be a U.S. citizen or permanent resident and have at least $10,000 in student loans Customer service: Email, phone, chat Soft credit check: Yes Cosigner release: After 24 to 36 months Loan servicer: Firstmark Services Max. Undergraduate Loan Balance: $100,000 to $149,000 Max. Graduate Loan Balance: Less than $150,000 Offers Parent PLUS Refinancing: Yes
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. View details	3.34%+2	3.24%+2	5, 7, 10, 12, 15, 20	$5,000 to $300,000 (depending on degree type)
Fixed APR: 3.34%+2 Variable APR: 3.24%+2 Min. credit score: Does not disclose Loan amount: $5,000 to $300,000 Loan terms (years): 5, 7, 10, 12, 15, 20 Repayment options: Military deferment, forbearance, loans discharged upon death or disability Fees: Late fee Discounts: Autopay Eligibility: All states except for ME Customer service: Email, phone, chat Soft credit check: Yes Cosigner release: After 24 to 36 months Loan servicer: College Ave Servicing LLC Max. Undergraduate Loan Balance: $100,000 to $149,000 Max. Graduate Loan Balance: Less than $300,000 Offers Parent PLUS Refinancing: Yes
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. View details	4.41%+5	2.03%+5	10, 15, 20	$7,500 to $200,000
Fixed APR: 4.41%+5 Variable APR: 2.03%+5 Min. credit score: 700 Loan amount: $7,500 to $200,000 Loan terms (years): 10, 15, 20 Repayment options: Immediate repayment, academic deferment, forbearance, loans discharged upon death or disability Fees: None Discounts: Autopay Eligibility: Must be a U.S. citizen or permanent resident and submit two personal references Customer service: Email, phone Soft credit check: Yes Cosigner release: After 36 months Loan servicer: Granite State Management & Resources (GSM&R) Max. Undergraduate Loan Balance: $150,000 to $249,000 Max. Graduate Loan Balance: $150,000 to $199,000 Offers Parent PLUS Refinancing : Yes
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. View details	2.79%+3	2.39%+3	5, 7, 10, 12, 15, 20	Minimum of $15,000
Fixed APR: 2.79%+3 Variable APR: 2.39%+3 Min. credit score: 680 Loan amount: No maximum Loan terms (years): 5, 7, 10, 12, 15, 20 Repayment options: Forbearance Fees: None Discounts: None Eligibility: Must be a U.S. citizen or permanent resident, have at least $15,000 in student loan debt, and have a bachelor’s degree or higher from an approved school Customer service: Email, phone Soft credit check: Yes Cosigner release: No Loan servicer: Mohela Max. Undergraduate Loan Balance: No maximum Max. Graduate Loan Balance: No maximum Offers Parent PLUS Refinancing: Yes
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. View details	3.47%+4	2.47%+4	5, 10, 15, 20	$5,000 - $250,000
Fixed APR: 3.47%+4 Variable APR: 2.47%+4 Min. credit score: 670 Loan amount: $5,000 to $250,000 Loan terms (years): 5, 10, 15, 20 Repayment options: Academic deferment, military deferment, forbearance Fees: Late fee Discounts: Autopay Eligibility: Must be U.S. citizen or permanent resident Customer service: Email, phone, chat Soft credit check: Yes Cosigner release: Yes Max undergraduate loan balance: $250,000 Max graduate loan balance: $250,000 Offers Parent PLUS refinancing: Yes
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. View details	3.05%+	3.05%+	7, 10, 15	$10,000 up to the total amount of qualified education debt
Fixed APR: 3.05%+ Variable APR: 3.05%+ Min. credit score: 670 Loan amount: $10,000 up to the total amount Loan terms (years): 7, 10, 15 Repayment options: Military deferment, loans discharged upon death or disability Fees: None Discounts: None Eligibility: Must be a U.S. citizen or permanent resident and have at least $10,000 in student loans Customer service: Email, phone Soft credit check: Yes Cosigner release: No Loan servicer: AES Max. Undergraduate Loan Balance: No maximum Max. Gradaute Loan Balance: No maximum Offers Parent PLUS Refinancing: Yes
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. View details	2.99%+	2.15%+	5, 8, 12, 15	$7,500 to $300,000
Fixed APR: 2.99%+ Variable APR: 2.15%+ Min. credit score: 670 Loan amount: $7,500 to $300,000 Loan terms (years): 5, 8, 12, 15 Repayment options: Does not disclose Fees: None Discounts: None Eligibility: Must be a U.S. citizen and have and at least $7,500 in student loans Customer service: Email, phone, chat Soft credit check: Yes Cosigner release: After 12 months Loan servicer: PenFed Max. Undergraduate Loan Balance: $300,000 Max. Graduate Loan Balance: $300,000 Offers Parent PLUS Refinancing: Yes
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. View details	3.19%+	N/A	5, 10, 15	$7,500 up to $250,000 (depending on highest degree earned)
Fixed APR: 3.19%+ Variable APR: N/A Min. credit score: 680 Loan amount: $7,500 to $250,000 Loan terms (years): 5, 10, 15 Repayment options: Academic deferment, military deferment, forbearance, loans discharged upon death or disability Fees: None Discounts: Autopay Eligibility: Available in all 50 states; must also have at least $7,500 in student loans and a minimum income of $40,000 Customer service: Email, phone Soft credit check: Does not disclose Cosigner release: No Loan servicer: Rhode Island Student Loan Authority Max. Undergraduate Loan Balance: $150,000 - $249,000 Max. Graduate Loan Balance: $200,000 - $249,000 Offers Parent PLUS Refinancing: Yes
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. View details	2.99%+6	2.85%+6	5, 7, 10, 15, 20	$5,000 up to the full balance of your qualified education loans
Fixed APR: 2.99%+6 Variable APR: 2.85%+6 Min. credit score: Does not disclose Loan amount: $5,000 up to the full balance Loan terms (years): 5, 7, 10, 15, 20 Repayment options: Academic deferment, military deferment Fees: None Discounts: Autopay, loyalty Eligibility: Available in all 50 states Customer service: Email, phone, chat Soft credit check: Yes Cosigner release: No Max undergraduate loan balance: No maximum Max graduate loan balance: No maximum Offers Parent PLUS refinancing: Yes
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All APRs reflect autopay and loyalty discounts where available | 1Citizens Disclosures | 2College Ave Disclosures | 3 ELFI Disclosures | 4INvestEd Disclosures | 5Iowa Student Loan Disclosures | 6SoFi Disclosures

Learn more about Credible’s partner lenders

• Advantage
• Brazos
• Citizens
• College Ave
• ELFI
• INvestEd
• MEFA
• PenFed
• RISLA
• SoFi

Advantage

With Advantage, you can refinance loan balances from $7,500 to $500,000 — though keep in mind that larger balances require special approval.

Advantage also offers a graduated repayment plan, which lets you pay smaller amounts just after graduation before working up to bigger payments in the future. This could be helpful for law graduates who start with smaller incomes before earning more later in their careers.

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.

Rates and terms

Fees and Discounts

Customer Experience

Advantage Education Loan Student Loan Refinancing

Fixed APR

Lowest fixed rate available from this lender

4.54%+

Variable APR

Lowest variable rate available from this lender

N/A

Min. credit score

Minimum credit score needed to qualify

Does not disclose

Loan amount

Range needed to refinance with this lender

$7,500 up to $500,000

Does refinancing make sense for you?
Compare offers from top refinancing lenders to determine your actual savings.

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• Fixed APR: 4.54%+
• Variable APR: N/A
• Min. credit score: Does not disclose
• Loan amount: $7,500 up to $500,000
• Loan terms (years): 10, 15, 20
• Max. undergraduate loan balance: $250,000 - $500,000
• Time to fund: 4 months
• Repayment options: Immediate repayment, forbearance, loans discharged upon death or disability
• Fees: None

• Discounts: Autopay
• Eligibility: Must be a resident of Kentucky
• Customer service: Phone
• Soft credit check: No
• Cosigner release: After 36 months
• Loan servicer: Kentucky Higher Education Student Loan Corporation
• Max. graduate loan balance: $250,000 - $500,000
• Credible Review: Advantage Education Loan review
• Offers Parent PLUS Refinancing : Yes

Pros

• Can refinance Parent PLUS Loans you benefited from into your name
• 0.25% autopay discount
• Graduated repayment plan available

Cons

• No variable rate options
• Long cosigner release period (36 months)
• Borrowers with poor or fair credit might not qualify

Brazos

Brazos might be a good choice for refinancing your law school loans if you’re a Texas resident with a strong income. You can refinance $10,000 to $250,000 (up to $400,000 if you completed your law degree).

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.

Rates and terms

Fees and Discounts

Customer Experience

Brazos Student Loan Refinancing

Fixed APR

Lowest fixed rate available from this lender

2.95%+

Variable APR

Lowest variable rate available from this lender

N/A

Min. credit score

Minimum credit score needed to qualify

Does not disclose

Loan amount

Range needed to refinance with this lender

$10,000 to $400,000

Does refinancing make sense for you?
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• Fixed APR: 2.95%+
• Variable APR: N/A
• Min. credit score: Does not disclose
• Loan amount: $10,000 to $400,000
• Loan terms (years): 5, 7, 10, 15, 20
• Repayment options: Military deferment, forbearance
• Fees: Late fee
• Discounts: Autopay

• Eligibility: Must have a credit score of at least 720, a minimum income of $60,000, and must be a resident of Texas
• Customer service: Email, phone
• Soft credit check: Does not disclose
• Cosigner release: No
• Loan servicer: Firstmark Services
• Max. Undergraduate Loan Balance: $100,000 - $149,000
• Max. Graduate Loan Balance: $200,000 - $400,000
• Offers Parent PLUS Refinancing: Does not disclose

Pros

• Variety of repayment terms available
• 0.25% autopay discount
• Competitive rates

Cons

• Cosigner release not offered
• Must have a minimum income of $60,000 ($30,000 with a cosigner), which could be high for recent graduates
• Not available outside of Texas

Citizens

Unlike many other lenders, Citizens doesn’t require borrowers to have graduated before refinancing, which could make it a good choice if you didn’t finish your law degree.

Plus, if you already have an account with Citizens, you could get 0.25% off your rate — and you could get another 0.25% off if you sign up for automatic payments.

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.

Rates and terms

Fees and Discounts

Customer Experience

Citizens Student Loan Refinancing

Fixed APR

Lowest fixed rate available from this lender

2.89%+¹

Variable APR

Lowest variable rate available from this lender

2.19%+¹

Min. credit score

Minimum credit score needed to qualify

Does not disclose

Loan amount

Range needed to refinance with this lender

$10,000 to $750,000

Does refinancing make sense for you?
Compare offers from top refinancing lenders to determine your actual savings.

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• Fixed APR: 2.89%+¹
• Variable APR: 2.19%+¹
• Min. credit score: Does not disclose
• Loan amount: $10,000 to $750,000
• Loan terms (years): 5, 7, 10, 15, 20
• Repayment options: Immediate repayment, academic deferment, military deferment, forbearance, loans discharged upon death or disability
• Fees: Late fee
• Discounts: Autopay, loyalty

• Eligibility: Must be a U.S. citizen or permanent resident and have at least $10,000 in student loans
• Customer service: Email, phone, chat
• Soft credit check: Yes
• Cosigner release: After 24 to 36 months
• Loan servicer: Firstmark Services
• Max. Undergraduate Loan Balance: $100,000 to $149,000
• Max. Graduate Loan Balance: Less than $150,000
• Offers Parent PLUS Refinancing: Yes

Pros

• 0.25% autopay discount
• 0.25% loyalty discount
• Degree not required

Cons

• Some discounts only available for previous customers
• Doesn’t disclose minimum credit score and income requirements
• Long cosigner release period (36 months)

Keep Reading: 4 Banks for Student Loan Refinancing

College Ave

If you’re looking for flexibility, College Ave could be a good option — it offers a choice of up to 16 repayment options ranging from five and 20 years, making it easy to find a payment that’s within your budget.

With College Ave, you can refinance law school loan amounts from $5,000 to $150,000.

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.

Rates and terms

Fees and Discounts

Customer Experience

College Ave Student Loan Refinancing

Fixed APR

Lowest fixed rate available from this lender

3.34%+²

Variable APR

Lowest variable rate available from this lender

3.24%+²

Min. credit score

Minimum credit score needed to qualify

Does not disclose

Loan amount

Range needed to refinance with this lender

$5,000 to $300,000

Does refinancing make sense for you?
Compare offers from top refinancing lenders to determine your actual savings.

Check Personalized Rates

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• Fixed APR: 3.34%+²
• Variable APR: 3.24%+²
• Min. credit score: Does not disclose
• Loan amount: $5,000 to $300,000
• Loan terms (years): 5, 7, 10, 12, 15, 20
• Repayment options: Military deferment, forbearance, loans discharged upon death or disability
• Fees: Late fee
• Discounts: Autopay

• Eligibility: All states except for ME
• Customer service: Email, phone, chat
• Soft credit check: Yes
• Cosigner release: After 24 to 36 months
• Loan servicer: College Ave Servicing LLC
• Max. Undergraduate Loan Balance: $100,000 to $149,000
• Max. Graduate Loan Balance: Less than $300,000
• Offers Parent PLUS Refinancing: Yes

Pros

• Variety of repayment terms available
• 0.25% autopay discount
• Cosigner release available (after 24 months)

Cons

• Can only refinance up to $150,000, which might not be enough to cover your entire law school debt
• Doesn’t disclose minimum credit score or income requirements
• No physical locations available

ELFI

While Education Loan Finance (ELFI) requires a minimum loan amount of $15,00, it has no maximum limit on the amount of student loan debt you can refinance. This could make it a good option if you’re dealing with a particularly high law school loan balance.

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.

Rates and terms

Fees and Discounts

Customer Experience

Education Loan Finance Student Loan Refinancing

Fixed APR

Lowest fixed rate available from this lender

2.79%+³

Variable APR

Lowest variable rate available from this lender

2.39%+³

Min. credit score

Minimum credit score needed to qualify

680

Loan amount

Range needed to refinance with this lender

No maximum

Does refinancing make sense for you?
Compare offers from top refinancing lenders to determine your actual savings.

Check Personalized Rates

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View Details

• Fixed APR: 2.79%+³
• Variable APR: 2.39%+³
• Min. credit score: 680
• Loan amount: No maximum
• Loan terms (years): 5, 7, 10, 12, 15, 20
• Repayment options: Forbearance
• Fees: None
• Discounts: None

• Eligibility: Must be a U.S. citizen or permanent resident, have at least $15,000 in student loan debt, and have a bachelor’s degree or higher from an approved school
• Customer service: Email, phone
• Soft credit check: Yes
• Cosigner release: No
• Loan servicer: Mohela
• Max. Undergraduate Loan Balance: No maximum
• Max. Graduate Loan Balance: No maximum
• Offers Parent PLUS Refinancing: Yes

Pros

• No maximum limit on loan amounts
• Variable rates capped at 9.95% APR
• Up to 12 months of forbearance available for borrowers experiencing financial hardship

Cons

• No discounts available
• Borrowers with poor or fair credit might not qualify
• Cosigner release not offered

INvestEd

With INvestEd, you can refinance $5,000 to $250,000 and can choose a term from five to 20 years. You don’t need to have graduated to qualify, which could make it a good choice if you didn’t complete your law degree.

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.

Rates and terms

Fees and Discounts

Customer Experience

INvestEd Student Loan Refinancing

Fixed APR

Lowest fixed rate available from this lender

3.47%+⁴

Variable APR

Lowest variable rate available from this lender

2.47%+⁴

Min. credit score

Minimum credit score needed to qualify

670

Loan amount

Range needed to refinance with this lender

$5,000 to $250,000

Does refinancing make sense for you?
Compare offers from top refinancing lenders to determine your actual savings.

Check Personalized Rates

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View Details

• Fixed APR: 3.47%+⁴
• Variable APR: 2.47%+⁴
• Min. credit score: 670
• Loan amount: $5,000 to $250,000
• Loan terms (years): 5, 10, 15, 20
• Repayment options: Academic deferment, military deferment, forbearance
• Fees: Late fee

• Discounts: Autopay
• Eligibility: Must be U.S. citizen or permanent resident
• Customer service: Email, phone, chat
• Soft credit check: Yes
• Cosigner release: Yes
• Max undergraduate loan balance: $250,000
• Max graduate loan balance: $250,000
• Offers Parent PLUS refinancing: Yes

Pros

• Degree not required
• 0.25% autopay discount
• Up to 24 months of forbearance available during the life of the loan (1 to 3 months duration per forbearance)

Cons

• Borrowers with poor or fair credit might not qualify
• Long cosigner release period (48 months)
• Can’t transfer Parent PLUS Loans into child’s name

MEFA

MEFA student loan refinancing is available to law school students who attended public or nonprofit universities.

You can refinance $10,000 up your total amount of qualified education debt — this could make MEFA a good option if you have a high law school balance to manage.

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.

Rates and terms

Fees and Discounts

Customer Experience

MEFA Student Loan Refinancing

Fixed APR

Lowest fixed rate available from this lender

3.05%+

Variable APR

Lowest variable rate available from this lender

3.05%+

Min. credit score

Minimum credit score needed to qualify

670

Loan amount

Range needed to refinance with this lender

$10,000 up to the total amount

Does refinancing make sense for you?
Compare offers from top refinancing lenders to determine your actual savings.

Check Personalized Rates

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• Fixed APR: 3.05%+
• Variable APR: 3.05%+
• Min. credit score: 670
• Loan amount: $10,000 up to the total amount
• Loan terms (years): 7, 10, 15
• Repayment options: Military deferment, loans discharged upon death or disability
• Fees: None
• Discounts: None

• Eligibility: Must be a U.S. citizen or permanent resident and have at least $10,000 in student loans
• Customer service: Email, phone
• Soft credit check: Yes
• Cosigner release: No
• Loan servicer: AES
• Max. Undergraduate Loan Balance: No maximum
• Max. Gradaute Loan Balance: No maximum
• Offers Parent PLUS Refinancing: Yes

Pros

• Degree not required
• No maximum limit on loan amounts
• Competitive rates

Cons

• No discounts available
• Cosigner release not offered
• Only three repayment terms to choose from (7, 10, and 15 years)

PenFed

PenFed is the only lender that allows spouses to consolidate their student loan debt together. This could make PenFed a good choice if you want to combine debt with your spouse.

You can refinance $7,500 to $300,000 and can choose from a term from five to 15 years.

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.

Rates and terms

Fees and Discounts

Customer Experience

PenFed Student Loan Refinancing

Fixed APR

Lowest fixed rate available from this lender

2.99%+

Variable APR

Lowest variable rate available from this lender

2.15%+

Min. credit score

Minimum credit score needed to qualify

670

Loan amount

Range needed to refinance with this lender

$7,500 to $300,000

Does refinancing make sense for you?
Compare offers from top refinancing lenders to determine your actual savings.

Check Personalized Rates

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• Fixed APR: 2.99%+
• Variable APR: 2.15%+
• Min. credit score: 670
• Loan amount: $7,500 to $300,000
• Loan terms (years): 5, 8, 12, 15
• Repayment options: Does not disclose
• Fees: None
• Discounts: None

• Eligibility: Must be a U.S. citizen and have and at least $7,500 in student loans
• Customer service: Email, phone, chat
• Soft credit check: Yes
• Cosigner release: After 12 months
• Loan servicer: PenFed
• Max. Undergraduate Loan Balance: $300,000
• Max. Graduate Loan Balance: $300,000
• Offers Parent PLUS Refinancing: Yes

Pros

• Variable interest rates capped
• Can refinance loans with a spouse
• Cosigner release available after just 12 months

Cons

• Must have a minimum income of $42,000 to $50,000 (depending on the loan amount), which could be high for recent graduates
• No discounts available
• 20-year term not available

RISLA

Unlike most other lenders, RISLA offers an income-based repayment (IBR) program, which could be helpful if you lose your job, have your pay cut, or face other financial hardships.

Plus, after making 25 years of on-time payments under this IBR plan, RISLA will forgive any remaining loan balance you have left.

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.

Rates and terms

Fees and Discounts

Customer Experience

RISLA Student Loan Refinancing

Fixed APR

Lowest fixed rate available from this lender

3.19%+

Variable APR

Lowest variable rate available from this lender

N/A

Min. credit score

Minimum credit score needed to qualify

680

Loan amount

Range needed to refinance with this lender

$7,500 to $250,000

Does refinancing make sense for you?
Compare offers from top refinancing lenders to determine your actual savings.

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• Fixed APR: 3.19%+
• Variable APR: N/A
• Min. credit score: 680
• Loan amount: $7,500 to $250,000
• Loan terms (years): 5, 10, 15
• Repayment options: Academic deferment, military deferment, forbearance, loans discharged upon death or disability
• Fees: None
• Discounts: Autopay

• Eligibility: Available in all 50 states; must also have at least $7,500 in student loans and a minimum income of $40,000
• Customer service: Email, phone
• Soft credit check: Does not disclose
• Cosigner release: No
• Loan servicer: Rhode Island Student Loan Authority
• Max. Undergraduate Loan Balance: $150,000 - $249,000
• Max. Graduate Loan Balance: $200,000 - $249,000
• Offers Parent PLUS Refinancing: Yes

Pros

• Income-based repayment plan available
• 0.25% autopay discount
• Can defer payments for up to 36 months if you go back to graduate school

Cons

• Borrowers with poor or fair credit might not qualify
• Must have a minimum income of $40,000, which could be high for recent graduates
• Cosigner release not offered

SoFi

With SoFi, you can refinance $5,000 up to the total balance of your qualified education loans, which could make it a good option if you left school with a large amount of debt.

SoFi borrowers also enjoy several perks, including unemployment protection and career coaching.

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.

Rates and terms

Fees and Discounts

Customer Experience

SoFi Student Loan Refinancing

Fixed APR

Lowest fixed rate available from this lender

2.99%+⁶

Variable APR

Lowest variable rate available from this lender

2.85%+⁶

Min. credit score

Minimum credit score needed to qualify

Does not disclose

Loan amount

Range needed to refinance with this lender

$5,000 up to the full balance

Does refinancing make sense for you?
Compare offers from top refinancing lenders to determine your actual savings.

Check Personalized Rates

Checking rates won't affect your credit score

View Details

• Fixed APR: 2.99%+⁶
• Variable APR: 2.85%+⁶
• Min. credit score: Does not disclose
• Loan amount: $5,000 up to the full balance
• Loan terms (years): 5, 7, 10, 15, 20
• Repayment options: Academic deferment, military deferment
• Fees: None

• Discounts: Autopay, loyalty
• Eligibility: Available in all 50 states
• Customer service: Email, phone, chat
• Soft credit check: Yes
• Cosigner release: No
• Max undergraduate loan balance: No maximum
• Max graduate loan balance: No maximum
• Offers Parent PLUS refinancing: Yes

Pros

• Geared toward borrowers with advanced degrees (such as law)
• 0.25% autopay discount
• Borrower perks, including unemployment protection, career coaching, investing advice, and member events

Cons

• Borrowers who don’t have very good to excellent credit might not qualify
• Cosigner release not offered
• Doesn’t disclose minimum credit score requirements

Learn More: How to Refinance Your Student Loans

Other student loan refinancing lenders

Several other lenders also offer student loan refinancing. However, because the lenders in the table below aren’t Credible partners, you can’t use Credible to compare your prequalified rates from any of these lenders.

Lender	Loan terms (years)	Max loan balance
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. View details	5, 7, 10, 15, 20	Undergrad: $500,000 Grad: $500,000
Rates: Fixed, variable Min. credit score: 600 Loan amount: $5,000 to $500,000 Cosigner release: Yes Loan terms (years): 5, 7, 10, 15, 20 Repayment options: Academic deferment, forbearance, loans discharged upon death or disability Fees: Late fee Discounts: Autopay Eligibility: Available in all 50 states Customer service: Email, phone, chat Soft credit check: Yes Loan servicer: FirstMark Max. undergraduate loan balance: $250,000 to $500,000 Max. graduate loan balance: $250,000 to $500,000 Offers Parent PLUS refinancing: Yes
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. View details	10, 20	Undergrad: $249,000 Grad: $199,000
Min. credit score: Does not disclose Loan amount: Up to $250,000 Loan terms (years): 10, 20 Repayment options: Academic deferment, military deferment, forbearance, loans discharged upon death or disability Fees: None Discounts: Autopay Eligibility: Available in all 50 states Customer service: Email, phone Soft credit check: Does not disclose Cosigner release: No Max. undergraduate Loan Balance: $150,000 to $249,000 Max. graduate Loan Balance: $150,000 to $199,000 Offers Parent PLUS Refinancing: No
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. View details	10, 15, 20	Undergrad: $500,000 Grad: $500,000
Fixed APR: 4.41%+5 Variable APR: 2.03%+5 Min. credit score: 700 Loan amount: $7,500 to $200,000 Loan terms (years): 10, 15, 20 Repayment options: Immediate repayment, academic deferment, forbearance, loans discharged upon death or disability Fees: None Discounts: Autopay Eligibility: Must be a U.S. citizen or permanent resident and submit two personal references Customer service: Email, phone Soft credit check: Yes Cosigner release: After 36 months Loan servicer: Granite State Management & Resources (GSM&R) Max. Undergraduate Loan Balance: $150,000 to $249,000 Max. Graduate Loan Balance: $150,000 to $199,000 Offers Parent PLUS Refinancing : Yes
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. View details	5, 7, 10, 15	Undergrad: $500,000 Grad: $500,000
Rates: fixed, variable Min. credit score: Does not disclose Loan amount: $60,000 to $350,000 Cosigner release: No Loan terms (years): 5, 7, 10, 15, 20 Fees: None Discounts: Autopay, loyalty Eligibility: Available in CA, CT, FL, MA, NY, OR, WY Customer service: Email, phone Soft credit check: Yes Max. undergraduate loan balance: $500,000 Max. graduate loan balance: $500,000
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. View details	10, 15, 20	Undergrad: $249,000 Grad: $249,000
Rates: Fixed, variable Min. credit score: Does not disclose Loan amount: $10,000 to $250,000 Cosigner release: After 24 to 36 months Loan terms (years): 10, 15, 20 Repayment options: Military deferment, forbearance Fees: Late fee Discounts: Autopay Eligibility: Available in all 50 states Customer service: Email, phone, chat Soft credit check: Yes Loan servicer: Student Loan Finance Corporation Max. undergraduate Loan Balance: $150,000 to $249,000 Max. graduate Loan Balance: $200,000 to $249,000 Offers Parent PLUS Refinancing: Yes
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. View details	5, 7, 10, 15	Undergrad: None Grad: None
Min. credit score: Does not disclose Loan amount: $5,000 to $300,000 Cosigner release: Does not disclose Loan terms (years): 5, 7, 10, 15 Repayment options: Immediate repayment, forbearance, loans discharged upon death or disability Fees: Late fee Discounts: Autopay Eligibility: Available in all 50 states Customer service: Email, phone Soft credit check: Yes Max. undergraduate Loan Balance: No maximum Max. graduate Loan Balance: No maximum Offers Parent PLUS Refinancing: Yes
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. View details	5, 7, 10, 15, 20	Does not disclose
Rates: Fixed, variable Min. credit score: Does not disclose Loan amount: $7,500 to $175,000 Cosigner release: Yes Loan terms (years): 5, 7, 10, 15, 20 Repayment options: Does not disclose Fees: None Discounts: Autopay Eligibility: Does not disclose Customer service: Email, phone Soft credit check: Yes Loan servicer: LendKey Technologies Inc. Max. undergraduate Loan Balance: Does not disclose Max. graduate Loan Balance: Does not disclose Offers Parent PLUS Refinancing: No
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. View details	5, 10, 15	Undergrad: $99,000 Grad: $150,000
Min. credit score: Does not disclose Loan amount: Less than $150,000 Loan terms (years): 5, 10, 15 Repayment options: Academic deferment, military deferment, forbearance, loans discharged upon death or disability Fees: Does not disclose Discounts: Autopay Eligibility: Available in all 50 states Customer service: Email, phone Soft credit check: Does not disclose Cosigner release: Yes Max. Undergraduate Loan Balance: Less than $99,000 Max. graduate Loan Balance: Less than $150,000 Offers Parent PLUS Refinancing: Yes
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. View details	Does not disclose	Undergrad: None Grad: None
Min. credit score: Does not disclose Loan amount: No maximum Loan terms: Does not disclose Repayment options: Academic deferment, forbearance Fees: Late fee Discounts: Autopay Eligibility: Available in all 50 states Customer service: Email, phone, chat Soft credit check: Yes Cosigner release: Yes Max. undergraduate Loan Balance: No maximum Max. graduate Loan Balance: No maximum Offers Parent PLUS Refinancing: Yes
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. View details	5, 7, 10, 15, 20	Does not disclose
Rates: Fixed, variable Min. credit score: Does not disclose Loan amount: $5,000 to $300,000 Cosigner release: Yes Loan terms (years): 5, 7, 10, 15, 20 Repayment options: Academic deferment, military deferment, forbearance, loans discharged upon death or disability Fees: None Discounts: Autopay, loyalty Eligibility: Available in all 50 states Customer service: Phone Soft credit check: Yes Loan servicer: Check with lender Max. undergraduate Loan Balance: Does not disclose Max. graduate Loan Balance: Does not disclose Offers Parent PLUS Refinancing: Yes
The lenders in this table aren't our partners. But you can use Credible to compare rates in 2 minutes from other lenders who offer student loan refinancing. Compare Now

Check Out: You Can Refinance Sallie Mae Student Loans — Here’s How

How much you could save by refinancing law school loans

How much you could save through refinancing mainly depends on whether you can get approved for a better rate or term than you currently have.

To qualify for a lower rate, you’ll generally need to have good credit and meet any other requirements set by the lender.

You can use our calculator below to see how much you can save by refinancing your student loans.

Learn More: Student Loan Consolidation vs. Student Loan Refinancing

When you should — and shouldn’t — refinance law school loans

While refinancing could be helpful in some cases, it isn’t right for everyone. Here are a few scenarios where refinancing could be a good move:

• You can get a better interest rate. Depending on your credit, you might be able to qualify for a lower interest rate than what you’re currently paying. This could save you a significant amount of money over the life of your loan — and might even help you pay off your loans faster.
• You need a lower monthly payment. If you’re struggling to afford your monthly private student loan payments, refinancing could be a smart move. You can opt for a longer repayment term to lower your student loan payment, which could lessen the strain on your budget. However, keep in mind that choosing a longer term means you’ll pay more in interest over time.
• You want to change the type of interest rate you have. Through refinancing, you can switch from a fixed rate to a variable rate or vice versa. If you choose a fixed rate, your monthly payment won’t ever change. On the other hand, variable rates can be lower than fixed rates — however, they can fluctuate over time.

And here are some situations where you might not want to refinance:

• Average interest rates are higher than your current rates. If interest rates have risen since you took out your student loans, you likely won’t be able to get a lower rate than you already have. In this case, it’s probably a better idea to wait until rates go down.
• Your income isn’t stable. Many student loan refinancing lenders require borrowers to have a minimum income. If you either haven’t yet locked down a job or have an income that could drop in the future, then refinancing might not be possible yet.
• You have federal student loans. Federal student loans come with valuable protections that you’d lose if you refinance them into a private student loan. These include access to income-driven repayment plans and student loan forgiveness programs. If you’ll need these benefits in the future, refinancing might not be a wise choice.

You can estimate how long it will take to pay off your student loan debt using the calculator below. Use the slider to see how increasing your payments can change the payoff date.

How to get the best interest rate when refinancing law school loans

Here are a few tips that could help you get a good interest rate when you refinance your law school loans:

• Build your credit. When you apply for refinancing, the lender will review your credit to determine not only your creditworthiness but also your interest rate. Generally, borrowers with good credit get lower rates than those with bad credit. While you might be able to refinance student loans with bad credit, it could be a good idea to spend some time improving your credit before you apply so you can qualify for better rates in the future.
• Consider a cosigner. If you’re struggling to get approved for refinancing, applying with a cosigner might improve your chances. Even if you don’t need a cosigner to qualify, having one could get you a lower rate than you’d get on your own. However, keep in mind that your cosigner will be responsible for the loan if you can’t make your payments.
• Shop around and compare lenders. Rates and terms can vary widely from one student loan refinancing company to the next, so be sure to compare as many lenders as possible to find the right for you.

Learn More: Law School Loan Forgiveness and Repayment Programs

Is refinancing a good idea?

Whether refinancing is a good idea ultimately depends on your individual circumstances and financial goals. If you can save a significant amount of money and pay off your loans faster through refinancing, then it could be a wise decision.

Will refinancing hurt your credit score?

Because your loan balance won’t change through refinancing, it shouldn’t hurt your credit score. There might be a slight negative impact when you initially apply and the lender performs a hard credit check — however, this is usually only temporary, and your score will likely bounce back within a few months.

There’s also no limit on how often you can refinance. If rates drop in the future, you could consider refinancing again to potentially lower your costs even more.

Check Out: Federal Student Loan Repayment Options

More resources

• Compare rates from lenders that refinance medical school loans
• Compare rates from lenders that refinance Parent PLUS Loans
• Compare rates from lenders that allow you to refinance student loans without a degree
• Compare rates from lenders that refinance MBA loans

About the author

Aly J. Yale

Aly J. Yale is a mortgage and real estate authority and a contributor to Credible. Her work has appeared in Forbes, Fox Business, The Motley Fool, Bankrate, The Balance, and more.

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