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Advertiser Disclosure

9 Best Companies to Refinance Parent Plus Loans

Refinancing Parent PLUS Loans could help you save money on interest over time. However, it will also cost you access to federal benefits and protections.

Aly J. Yale Aly J. Yale Updated June 5, 2023

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."

Parent PLUS Loans might be a good way for parents to help their child pay for school. However, these loans generally come with higher interest rates than other federal student loans, which can make them expensive to pay off.

The good news is that many private lenders will refinance Parent PLUS Loans, which could help you get a lower interest rate or even pay off the loan faster. You might even be able to refinance the loan into the child’s name, depending on the lender.

Keep in mind: Due to the COVID-19 pandemic, payments and interest accrual have been paused on federal student loans — including Parent PLUS Loans — by the CARES Act. Payments are scheduled to restart after August 29, 2023.

If you refinance your federal student loans, you’ll lose access to this forbearance as well as other benefits like income-driven repayment plans and student loan forgiveness programs.

Here are Credible’s partner lenders that offer refinancing for Parent PLUS Loans:

LenderFixed rates from (APR)Variable rates from (APR)Loan terms (years)Loan amountsCan refinance into child's name?

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%+ 4.99%+ 5, 7, 10, 15, 20$10,000 up to $250,000
(depending on degree)
No
  • Fixed APR: 4.4%+
  • Variable APR: 4.99%+
  • 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 6.66%+1 5, 7, 10, 15, 20$10,000 to $500,000
(depending on degree and loan type)
Yes
  • Fixed APR: 5.39%+1
  • Variable APR: 6.66%+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)
No
  • 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


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.
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5.08%+3 5.03%+3 5, 7, 10, 12, 15, 20Minimum of $10,000No
  • Fixed APR: 5.08%+3
  • Variable APR: 5.03%+3
  • Min. credit score: 680
  • Loan amount: $10,000 to $250,000
  • Loan terms (years): 5, 7, 10, 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 7.6%+4 5, 10, 15, 20$5,000 - $250,000No
  • Fixed APR: 5.61%+4
  • Variable APR: 7.6%+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 $300,000No
  • 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
5.5%+ N/A7, 10, 15$10,000 up to the total amount of qualified education debtNo
  • 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
5.79%+ N/A5, 10, 15$7,500 up to $250,000
(depending on highest degree earned)
No
  • Fixed APR: 5.79%+
  • 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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Trustpilot

All APRs reflect autopay and loyalty discounts where available | 1Citizens Disclosures | 2College Ave Disclosures | 5EDvestinU Disclosures | 3 ELFI Disclosures | 4INvestEd Disclosures | 7ISL Education Lending Disclosures  | 8Nelnet Bank Disclosures

Learn more about Credible’s partner lenders

  • Brazos
  • Citizens
  • College Ave
  • Education Loan Finance
  • INvestEd
  • ISL Education Lending
  • MEFA
  • PenFed
  • RISLA

Brazos

If you’re a Texas resident, Brazos might be a good option for refinancing. With Brazos, you can refinance $10,000 up to $400,000, depending on the student’s degree.

However, keep in mind that if you want to refinance Parent PLUS Loans into your child’s name, you’ll need to consider other lenders.

brazos student loan refinance
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
4.4%+
Variable APR
Lowest variable rate available from this lender
4.99%+
Min. credit score
Minimum credit score needed to qualify
720
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: 4.4%+
  • Variable APR: 4.99%+
  • 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

Pros

  • 0.25% autopay discount
  • No application, origination, or disbursement fees
  • Competitive rates

Cons

  • Might not qualify if you have poor or fair credit
  • Only available in Texas
  • Can’t refinance Parent PLUS Loans into child’s name

Citizens

With Citizens, you can refinance $10,000 to $750,000 (depending on degree and loan type). You can also refinance Parent PLUS Loans into your child’s name.

Also keep in mind that if you already have an account with Citizens, you could get 0.25% off your rate — and another 0.25% discount if you sign up for autopay.

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
Citizens Student Loan Refinancing
Fixed APR
Lowest fixed rate available from this lender
5.39%+1
Variable APR
Lowest variable rate available from this lender
6.66%+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: 5.39%+1
  • Variable APR: 6.66%+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
  • Can refinance Parent PLUS Loan into child’s name

Cons

  • Doesn’t disclose minimum income or credit score requirements
  • Long cosigner release period (36 months)
  • Cosigner release not available on the Education Refinance Loan for Parents

College Ave

College Ave might be a good refinancing option if you’re looking for payment flexibility — you can choose from 16 repayment terms ranging from five to 20 years if you refinance with College Ave.

However, unlike some other lenders, College Ave doesn’t allow parents to refinance Parent PLUS Loans into their child’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.
Rates and terms
Fees and Discounts
Customer Experience
College Ave Student Loan Refinancing
Fixed APR
Lowest fixed rate available from this lender
5.99%+2
Variable APR
Lowest variable rate available from this lender
5.99%+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.

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  • 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

Pros

  • 16 repayment terms available ranging from five to 20 years
  • 0.25% autopay discount
  • Cosigner release offered after 24 months of consecutive, on-time payments

Cons

  • Doesn’t disclose minimum income or credit score requirements
  • Can’t refinance Parent PLUS Loans into child’s name
  • Not available in Maine

Education Loan Finance

Education Loan Finance (ELFI) offers refinancing starting at $10,000 with no set maximum, which could be helpful if you have large loan balances. Keep in mind that while parents can refinance Parent PLUS Loans with ELFI, they can’t transfer the loans into their child’s name.

Additionally, parents who refinance parent loans are limited to repayment terms of five, seven, or 10 years.

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
5.08%+3
Variable APR
Lowest variable rate available from this lender
5.03%+3
Min. credit score
Minimum credit score needed to qualify
680
Loan amount
Range needed to refinance with this lender
$10,000 to $250,000

Does refinancing make sense for you?
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  • Fixed APR: 5.08%+3
  • Variable APR: 5.03%+3
  • Min. credit score: 680
  • Loan amount: $10,000 to $250,000
  • Loan terms (years): 5, 7, 10, 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

Pros

  • No loan maximum
  • Variable rates capped at 9.95% APR
  • Borrowers experiencing financial hardship could qualify for up to 12 months of forbearance

Cons

  • Can’t refinance Parent PLUS Loans into child’s name
  • Parent loan refinancing limited to repayment terms of five, seven, or 10 years
  • Cosigner release not offered

INvestEd

With INvestEd, you can refinance $5,000 to $250,000 and can choose a repayment term from five to 20 years. Additionally, INvestEd offers up to 24 months of forbearance (in one- to three-month increments) to borrowers experiencing financial hardship.

This could be especially helpful if you lose your job or find yourself in a financial emergency.

3.1
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
5.61%+4
Variable APR
Lowest variable rate available from this lender
7.6%+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
Checking rates won't affect your credit score
View Details
  • Fixed APR: 5.61%+4
  • Variable APR: 7.6%+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

Pros

  • 0.25% autopay discount
  • Up to 24 months of forbearance available over the life of the loan (one to three months per forbearance period)
  • Degree not required

Cons

  • Can’t refinance Parent PLUS Loans into child’s name
  • Long cosigner release period (48 months)
  • Might be hard to qualify if you don’t have good credit or high enough income

ISL Education Lending

ISL Education Lending offers a variety of refinancing options — including the ability to refinance while you’re still in school. In addition to a standard repayment plan, it also provides a graduated repayment plan for borrowers who choose a 10-, 15-, or 20-year term (seven-year terms are eligible in some cases). This type of plan starts with low payments that gradually increase over time.

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.
Rates and terms
Fees and Discounts
Customer Experience
ISL Education Lending Student Loan Refinancing
Fixed APR
Lowest fixed rate available from this lender
6.94%+ 7
Min. credit score
Minimum credit score needed to qualify
670
Loan amount
Range needed to refinance with this lender
Up 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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View Details
  • 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

Pros

  • 0.25% autopay discount
  • Can refinance while still in school
  • Graduated repayment plan available

Cons

  • Can’t refinance Parent PLUS Loans into child’s name
  • Rates are sometimes higher than competitors
  • Might be hard to qualify if you don’t have good credit

MEFA

With MEFA, you can refinance $10,000 up to your total amount of qualified education debt, which could make it a good option for high loan amounts.

However, keep in mind that MEFA refinancing is available only to students who attended public or nonprofit universities — if your loans were used to pay for a for-profit school, you’ll need to consider other lenders.

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
5.5%+
Variable APR
Lowest variable rate available from this lender
N/A
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

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  • 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

Pros

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

Cons

  • No discounts
  • Cosigner release not offered
  • Can’t refinance Parent PLUS Loans into child’s name

PenFed

PenFed is a unique refinancing lender: It’s the only lender that allows spouses to refinance their loans together, and it also allows parents to refinance Parent PLUS Loans into their child’s name. With PenFed, you can refinance $7,500 to $300,000 and can choose a repayment 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
5.49%+
Variable APR
Lowest variable rate available from this lender
N/A
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.

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  • Fixed APR: 5.49%+
  • Variable APR: N/A
  • 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

  • Can refinance Parent PLUS Loan into child’s name
  • Can consolidate loans with your spouse
  • Short cosigner release period (12 months)

Cons

  • Might be hard to qualify if you don’t have good credit or high enough income
  • No discounts
  • 20-year term not available

RISLA

The Rhode Island Student Loan Authority (RISLA) could be a good choice if you think you might face financial hardship — unlike other refinancing lenders, RISLA offers an income-based repayment (IBR) plan that caps your payment at 15% of your discretionary income.

Plus, if you make on-time payments for 25 years under this IBR plan, RISLA will forgive any remaining balance you might have.

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
5.79%+
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.

Check Personalized Rates
Checking rates won't affect your credit score
View Details
  • Fixed APR: 5.79%+
  • 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

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

Cons

  • Can’t refinance Parent PLUS Loans into child’s name
  • 20-year term not available
  • Might be hard to qualify if you don’t have good credit or high enough income

Learn More: Private Student Loan Consolidation

Other student loan refinancing lenders to consider

There are also other lenders that offer student loan refinancing for Parent PLUS Loans. However, keep in mind that the lenders in the table below aren’t Credible parents, which means you won’t be able to compare them through Credible.

Lender
Loan terms (years)
Max loan balance
Offers Parent PLUS Loan refinancing

Discover Student Loans

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
No
  • 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
No
  • Fixed APR: 6.0%+5
  • Variable APR: 7.88%+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

ihelp student loan review

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
Yes
  • 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
Yes
  • 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, 10, 15
Undergrad: $99,000
Grad: $150,000
No
  • 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
5, 7, 10, 15, 20
Undergrad: No maximum
Grad: No maximum
Yes
  • Fixed APR: Check with lender
  • Variable APR: Check with lender
  • 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


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
No
  • 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
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.

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How to refinance Parent PLUS Loans

If you’re ready to refinance Parent PLUS Loans, the process might vary depending on whether you’re the parent or the student who benefitted from the loan. Here’s how to refinance student loans in either situation:

As the parent

If you want to refinance Parent PLUS Loans you took out for your child’s education, follow these steps:

  1. Shop around and compare lenders. It’s a good idea to compare as many lenders as you can to find the right loan for you. Also keep in mind that while some lenders allow you to transfer Parent PLUS Loans into your child’s name, others don’t — this means you’ll likely have fewer lender options to choose from if you want to refinance the loan into your child’s name.
  2. Pick your loan option. After you’ve compared lenders, choose the loan option that best suits your needs.
  3. Complete the application. Once you’ve chosen a lender, you’ll need to fill out a full application and submit any required documentation they request, such as past loan statements, documents regarding your income and assets, or proof of graduation. If you’re refinancing the loan into your child’s name, your child might need to complete the application — be sure to double-check with the lender to see what’s required.
  4. Manage your loan payments. If you’re approved, be sure to keep up with payments on your old loan while the refinance is processed. Also consider signing up for autopay so you won’t miss future payments.

As the student

If you want to take over Parent PLUS Loans that you benefited from, follow these steps:

  1. Make sure you qualify. You’ll typically need good credit and verifiable income to qualify for refinancing. Before taking over a Parent PLUS Loan, make sure you can meet these requirements.
  2. Compare lenders and choose a loan option. Not all lenders allow PLUS Loans to be refinanced from your parent’s name to yours, so be sure to keep this in mind as you compare lenders. Also consider interest rates, repayment terms, and any fees charged by the lender. After comparing student loan refinance companies, choose the loan option you like best.
  3. Complete the application. To apply for refinancing, you’ll need to fill out a full application and submit any required documentation, such as tax returns, pay stubs, or student loan information.
  4. Prepare for your payments. If you’re approved, the Parent PLUS Loan will be paid off, leaving you with the newly refinanced loan to repay. Consider signing up for autopay so you won’t miss any payments in the future — many lenders even offer rate discounts if you opt for automatic payments.

Check Out: How to Release Your Cosigner in 4 Steps

How much you could save when refinancing Parent PLUS Loans

Refinancing your Parent PLUS Loans could help you save money and potentially pay off your loans faster. However, the exact amount you might save depends on several factors, such as your current interest rate as well as your credit.

Loading widget - embedded-prequal

Learn More: Student Loan Consolidation vs. Student Loan Refinancing

When you should (and shouldn’t) refinance student loans

While refinancing could be a smart move, it’s not the right choice for everyone.

Here are a few scenarios where refinancing might be a good move:

  • You can get a better interest rate. Refinancing might get you a lower interest rate than you currently have, depending on your credit. This could save you money on interest charges over time — and might even help you pay off your loan ahead of schedule.
  • You want your child to take over repayment of the loan. In some situations — such as if you’re nearing retirement or if your child has graduated and secured a solid job — you might want your child to take over responsibility for a Parent PLUS Loan. This is only possible through refinancing.
  • You need a lower monthly payment. If you’re struggling to manage your student loan payments, you could opt for a longer repayment term through refinancing. This will likely lower your monthly student loan payment, lessening the strain on your budget.

Check Out: When Student Loan Refi Is a Good Idea and When to Reconsider

Here are a few situations where you might want to steer clear of refinancing:

  • You can’t get a lower rate. If you already have a low interest rate on your student loan, then refinancing might not be worth it.
  • You don’t want to lose your federal loan benefits. Parent PLUS Loans are a type of federal student loan, which means you have access to federal protections, such as deferment, forbearance, and other federal repayment options. Additionally, if you consolidate your Parent PLUS Loans, you could qualify for an income-driven repayment plan. However, if you refinance your PLUS Loans, you’ll lose access to all of these protections.
  • You have poor credit. While some lenders offer refinancing for bad credit, these loans generally come with higher interest rates compared to good credit loans. If you have bad credit, it might be a good idea to work on building your credit before you apply for refinancing. This way, you’ll likely have an easier time getting approved and might qualify for better rates and terms.
Tip: If you can qualify for a lower interest rate through refinancing, you could save a substantial amount of money on interest charges over time. For example, if you want to pay off $30,000 in student loans or even pay off $50,000 or more in student loans, you might save hundreds or thousands of dollars through refinancing.

Also keep in mind that you might get a lower rate if you opt for a shorter repayment term when refinancing. It’s generally best to choose the shortest repayment term you can afford to save the most you can on interest over the life of your loan.

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.

Learn More:

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

How to get the best interest rate when refinancing Parent PLUS Loans

Here are a few tips that could help you secure a good rate when refinancing Parent PLUS Loans:

  • Improve your credit score. To get the best rates possible, you’ll typically need good to excellent credit. If you have poor or fair credit, it could be a good idea to spend some time building your credit to qualify for better rates in the future. A few potential ways to do this include making on-time payments on all of your bills, paying down credit card balances, and avoiding new loans when possible.
  • Apply with a cosigner. If you’re struggling to get approved for refinancing, applying with a cosigner could improve your chances. Even if you don’t need a cosigner to qualify, having one could get you a lower interest rate than you’d get on your own.
  • Compare lenders. Rates vary from lender to lender. Be sure to compare as many lenders as you can to find an interest rate that works for you.

Check Out: How Often Can You Refinance Student Loans?

Compare more rates from:

  • Lenders that refinance student loans
  • Lenders that refinance medical school loans
  • Lenders that refinance law school loans
  • Lenders that allow you to refinance student loans without a degree
  • Lenders that refinance MBA loans

Methodology: Credible evaluated loan and lender data points in 12 categories to identify some of the “best companies” for refinancing Parent PLUS loans that also offer refinancing in the student’s name. We looked at interest rates, repayment terms, repayment options, fees, discounts, customer service availability, and maximum loan balances offered by 20 lenders. We also considered each company’s willingness to refinance parent loans, eligibility, cosigner release options, whether the minimum credit score is available publicly, and whether consumers could request rates with a soft credit check.

Credible receives compensation from its lender partners when a user of the Credible platform closes a loan with the lender.

Read the full student loan refinancing lender methodology.

Learn about Credible’s mission and promise to our readers.

About the author
Aly J. Yale
Aly J. Yale

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

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Home » All » Student Loan Refinancing » 9 Best Companies to Refinance Parent Plus Loans

Student Loan Refinancing Basics


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