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4 Steps to Refinance Nelnet Student Loans

Refinancing is available for both federal and private Nelnet loans — however, keep in mind that refinancing federal loans will cost you federal benefits and protections.

Lindsay VanSomeren Lindsay VanSomeren Edited by Ashley Harrison Updated October 14, 2021

Our goal is to give you the tools and confidence you need to improve your finances. Although we receive compensation from our partner lenders, whom we will always identify, all opinions are our own. Credible Operations, Inc. NMLS # 1681276, is referred to here as "Credible."

Nelnet is one of 10 different companies that are contracted as federal student loan servicers by the government. It also offers private student loan products — including both private student loans and student loan refinancing.

But you can also consider refinancing Nelnet loans with another lender if you prefer.

Here’s how to refinance Nelnet loans:

  • How to refinance Nelnet loans
  • Refinancing vs. consolidation: What’s the difference?
  • Reasons to refinance Nelnet loans
  • Compare multiple offers when refinancing your loan

How to refinance Nelnet loans

Depending on your credit, refinancing your student loans might help you save money and even pay off your loans faster. Also keep in mind that you can refinance Nelnet loans with Nelnet itself or with another private lender.

If you’re ready to refinance your Nelnet loans, follow these four steps:

  1. Consider whether refinancing is right for you. If you have federal student loans serviced by Nelnet, it’s important to carefully weigh the pros and cons of consolidating your student loans with a private lender. This is because refinancing federal student loans will cost you federal protections, such as access to income-driven repayment plans and student loan forgiveness programs. Additionally, you’ll no longer be eligible for the federal payment and interest accrual suspension under the CARES Act due to the COVID-19 pandemic.
  2. Compare lenders and pick a loan option. Be sure to compare as many student loan refinance companies as possible to find the right loan for you. Consider not only interest rates but also repayment terms and any fees charged by the lender. After researching lenders, choose the loan option that works best for your needs.
  3. Complete the application. Once you’ve picked a lender, you’ll need to fill out a full application. You’ll likely also need to submit required documentation, such as pay stubs or tax returns.
  4. Manage your loan payments. If you’re approved, make sure to keep up with payments on your old Nelnet loans while the refinance is processed. Once your old loan has been paid off and your new loan is in place, consider signing up for autopay so you won’t miss any payments in the future — many lenders even offer a rate discount for borrowers who opt for automatic payments.

One of the most important parts of refinancing your student loans is comparing as many lenders as you can to find a loan that works best for you. Credible makes this easy — you can see your prequalified rates from our partner lenders in the table below in two minutes.

LenderFixed rates from (APR)Variable rates from (APR)Loan terms (years)Loan amounts

brazos student loan refinance

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
4.4%+ 4.79%+ 5, 7, 10, 15, 20$10,000 up to $250,000
(depending on degree)
  • Fixed APR: 4.4%+
  • Variable APR: 4.79%+
  • Min. credit score: 720
  • 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: 720
  • 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
5.39%+1 6.26%+1 5, 7, 10, 15, 20$10,000 to $500,000
(depending on degree and loan type)
  • Fixed APR: 5.39%+1
  • Variable APR: 6.26%+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
5.99%+2 5.99%+2 5, 7, 10, 12, 15, 20$5,000 to $300,000
(depending on degree type)
  • Fixed APR: 5.99%+2
  • Variable APR: 5.99%+2
  • Min. credit score: Does not disclose
  • Loan amount: $5,000 to $300,000
  • Loan terms (years): 5, 7, 10, 12, 15
  • 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

edvestinu student loan refinance

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
7.41%+5 7.39%+5 5, 10, 15, 20$1,000 to $250,000
  • Fixed APR: 7.41%+5
  • Variable APR: 7.39%+5
  • Min. credit score: 700
  • Loan amount: $7,500 to $200,000
  • Loan terms (years): 5, 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
5.08%+3 4.78%+3 5, 7, 10, 12, 15, 20$10,000 to $250,000
  • Fixed APR: 5.08%+3
  • Variable APR: 4.78%+3
  • Min. credit score: 680
  • Loan amount: $10,000 to $250,000
  • 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: $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
5.61%+4 6.61%+4 5, 10, 15, 20$5,000 to $250,000
  • Fixed APR: 5.61%+4
  • Variable APR: 6.61%+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, returned payment 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
6.94%+ 7N/A5, 7, 10, 12, 15, 20Up to $300,000
  • Fixed APR: 6.94%+ 7
  • Variable APR: N/A
  • Min. credit score: 670
  • Loan amount: Up to $300,000
  • Loan terms (years): 5, 7, 10, 15, 20
  • Time to fund: Usually one business day
  • Repayment options: Academic deferral, military deferral, forbearance, death/disability discharge
  • Fees: None
  • Discounts: Autopay
  • Eligibility: Available in all 50 states
  • Customer service: Email, phone
  • Soft credit check: Yes
  • Cosigner release: After 24 months
  • Max. undergraduate loan balance: $300,000
  • Max. graduate balance: $300,000
  • Offers Parent PLUS loans: Yes
  • Min. income: None


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
4.49%+ 4.76%+ 5, 7, 10, 15Up to $300,000
  • Fixed APR: 4.49%+
  • Variable APR: 4.76%+
  • Min. credit score: 700
  • Loan amount: $5,000 to $300,000
  • Loan terms (years): 5, 7, 10, 15
  • Max. undergraduate Loan Balance: $125,000
  • Time to Fund: 10 to 30 days
  • Repayment options: Immediate repayment, forbearance
  • Fees: Late fee
  • Discounts: Autopay
  • Eligibility: Must be a U.S. citizen or permanent resident and have already graduated with at least an associate degree from an eligible institution
  • Customer service: Email, phone
  • Soft credit check: Yes
  • Cosigner release: After 12 months
  • Loan servicer: LendKey Technologies Inc.
  • Max. graduate Loan Balance: $175,000
  • Credible Review: LendKey Student Loans review
  • 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
5.5%+ N/A7, 10, 15$10,000 up to the total amount of qualified education debt
  • Fixed APR: 5.5%+
  • Variable APR: N/A
  • 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
5.29%+ N/A5, 10, 15$7,500 up to $250,000
(depending on highest degree earned)
  • Fixed APR: 5.29%+
  • 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
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Learn More: Nelnet Student Loan Servicing: Reviews and Tips for Borrowers

Refinancing vs. consolidation: What’s the difference?

The terms refinancing and consolidation are often used interchangeably. The difference between the two comes down to whether you have private or federal student loans.

  • Private student loan refinancing: If you refinance your student loans, your old loans will be paid off with one new loan. This can also be referred to as private student loan consolidation. You can refinance both federal and private student loans — however, remember that you’ll lose your federal protections if you refinance federal student loans.
  • Federal student loan consolidation: If you have federal student loans, you can consolidate them into a federal Direct Consolidation Loan. With this option, you can combine your federal loans while also keeping your federal benefits. It can also make certain federal loans — such as Parent PLUS Loans — eligible for programs like income-driven repayment and Public Service Loan Forgiveness. Additionally, unlike private refinancing, federal consolidation doesn’t require a good credit score.
Private refinancingFederal consolidation
Which loans qualify?Federal and private student loansFederal student loans
How are rates calculated?Based on your creditUses the weighted average of your current federal loans, rounded up to the nearest 0.125%
How long does it take?Varies by lender
(can be up to 60 days or more)
About 30 days
Advantages
  • Might qualify for a lower interest rate
  • Could lower your monthly payment
  • Combines multiple loans into one, simplifying repayment
  • Can switch to a new lender if you're unhappy with your current service
  • Can simplify repayment
  • Makes some loans eligible for income-driven repayment plans (such as Direct PLUS Loans)
  • Could lower your monthly payments
  • Could extend your repayment term up to 30 years
Disadvantages
  • Could temporarily impact your credit score
  • Might be hard to qualify if you have poor credit
  • Doesn’t offer the protections of federal student loans
  • Not eligible for federal student loan forgiveness programs
  • Won’t lower your interest rate
  • Extending your repayment term means you’ll pay more in interest over time
  • Might keep you in debt for a longer time
  • Will lose credit for any qualifying payments you’ve made toward Public Service Loan Forgiveness or income-driven repayment forgiveness (will restart the clock)
Tip: Ultimately, deciding between private vs. federal student loan consolidation will depend on your individual circumstances and financial goals. Be sure to carefully weigh the pros and cons of each option before deciding which is right for you.

For example, say you want to pay off $50,000 in student loans. Federal consolidation could lower your monthly payments by extending your repayment term, but refinancing might get you a lower interest rate that could help you pay off your student loans faster — though it will cost you your federal benefits and protections.

You can estimate how long it’ll 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.

Enter loan information

? Enter the remaining balance of your loans $
? Enter the average annual interest rate of your loans %
? Enter the amount of time left to repay your loan years

+ $0
Total Payment $
Total Interest $
Monthly Payment $

If you increase your payments by $ monthly on your $ loan at %, you will pay $ a month and pay off your loan by Jan 2021.


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.

Check Out: How to Refinance Your Student Loans

Reasons to refinance Nelnet loans

Here are a few reasons why you might want to consider refinancing your Nelnet loans:

  • Lower interest rate: Depending on your credit, you might qualify for a lower interest rate through refinancing. This could help you save money and potentially pay off your student loans early. Keep in mind that there’s no limit to how often you can refinance student loans, which means you can refinance again in the future if you could get a lower rate later on.
  • Reduce your monthly payments: If you opt for a longer repayment term through refinancing, you could lower your monthly payments to help lessen the strain on your monthly budget. Just keep in mind that choosing a longer repayment term means you’ll pay more in interest over time.
  • Simplify repayment: If you have multiple student loans, refinancing lets you combine them into one new loan. This leaves you with just one loan and payment to worry about.
  • Switch to a new lender: If you’re unhappy with Nelnet’s service, you can take your business elsewhere by refinancing with a different lender.

However, refinancing isn’t right for everyone. Here are a few potential drawbacks to keep in mind while deciding whether to refinance your Nelnet loans:

  • Lose access to federal benefits: If you have federal student loans serviced by Nelnet, refinancing them will cost you your federal protections, such as access to unemployment deferment or forbearance.
  • Hard to qualify if you have poor credit: You typically need good to excellent credit as well as verifiable income and an acceptable debt-to-income ratio to get approved for refinancing. If you have poor credit or don’t meet other eligibility criteria, it might be difficult to qualify. While some lenders offer student loan refinancing for bad credit, these loans generally come with higher interest rates compared to good credit loans.
  • No repayment plan flexibility: With federal student loans, you can switch between various federal student loan repayment options depending on your needs. For example, you could opt for an extended repayment plan or income-driven repayment plan. Private refinanced loans don’t offer this flexibility.
  • Could keep you in debt longer: Refinancing to a longer term could get you a lower monthly payment — however, it also means you’ll pay more in interest and stay in debt for a longer period of time.

If refinancing could help you save money and pay off your loans faster, then it could be a good idea — however, be sure to consider the drawbacks so you can make the right decision for your situation. You can use our calculator below to see how much you can save by refinancing your student loans.

Step 1. Enter your loan balance

? Enter the remaining amount of the loans you’d like to refinance $

Step 2. Enter current loan information

? Enter the average annual interest rate of the loans you’d like to refinance %
? Enter the monthly amount you currently pay on your loans (or enter remaining term) $
? Enter the amount of time left to repay your loan (or enter monthly payment) years

Step 3. Enter your new loan information to start calculating your savings

? Enter an estimated new interest rate. %
? Enter the monthly amount to pay on your new loan (or enter new loan term) $
? Enter the amount of time you have to repay your loan (or enter monthly payment) years
Lifetime Savings Increased Lifetime Cost $
New Monthly Payment $
Monthly Savings Increased Monthly Cost $

If you refinance your student loan at % interest rate, you can save will pay an additional $ monthly and pay off your loan by . The total cost of the new loan will be $.


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.

Learn More:

  • When to Refinance Student Loans
  • How to Pay Off $300,000 in Student Loans

Compare multiple offers when refinancing your loan

If you decide to refinance your Nelnet loans, remember to compare as many lenders as possible to find the right loan for you. Consider interest rates as well as repayment terms, potential fees, and eligibility requirements.

Comparing lenders is easy with Credible — you can see your prequalified rates from multiple lenders in two minutes after filling out a single form.

Find out if refinancing is right for you

  • Compare actual rates, not ballpark estimates – Unlock rates from multiple lenders in about 2 minutes
  • Won’t impact credit score – Checking rates on Credible won’t impact your credit score
  • Data privacy – We don’t sell your information, so you won’t get calls or emails from multiple lenders

See Your Refinancing Options
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Keep Reading: You Can Refinance Sallie Mae Student Loans — Here’s How

About the author
Lindsay VanSomeren
Lindsay VanSomeren

Lindsay VanSomeren specializes in credit and loans. Her work has appeared on Credit Karma, Forbes Advisor, LendingTree, and more.

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Home » All » Student Loan Refinancing » 4 Steps to Refinance Nelnet Student Loans

Student Loan Refinancing Basics


  • How to Refinance Student Loans
  • Refinancing Federal Student Loans
  • Refinancing Private Student Loans

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