{"id":4904,"date":"2017-04-06T12:37:33","date_gmt":"2017-04-06T20:37:33","guid":{"rendered":"https:\/\/www.credible.com\/blog\/?page_id=4904"},"modified":"2025-03-21T11:15:30","modified_gmt":"2025-03-21T18:15:30","slug":"student-loan-refinancing-calculator","status":"publish","type":"page","link":"https:\/\/www.credible.com\/blog\/calculators\/student-loan-refinancing-calculator\/","title":{"rendered":"Student Loan Refinance Calculator: Should I Refinance?"},"content":{"rendered":"<p><b>Refinancing is a good idea if:<\/b><\/p>\n<ul>\n<li><b>You want to save money. \u00a0<span style=\"font-weight: 400;\">By refinancing your student loans, you can typically<\/span><\/b> secure a lower interest rate, and you can save money over the life of your loan.<\/li>\n<li><b>Your finances are in good shape. <\/b>If you have a good credit score and a steady income (or you have a cosigner with a qualifying score and income), you are a great candidate for refinancing. A good FICO credit score is usually considered to be 670 or higher.<\/li>\n<\/ul>\n<h2>Student loan refinancing calculator<\/h2>\n<div class=\"calculator refinance\">\n<div class=\"inputs container\">\n\n  <p>Step 1. Enter your loan balance<\/p>\n\n  <div class=\"row form-groups\">\n  <div class=\"col-xs-8 col-lg-6\">\n  <div class=\"form-group\">\n  \t<label for=\"loan-balance\">Loan balance<\/label>\n  \t<span class=\"badge badge-pill\" data-toggle=\"tip\" data-placement=\"top left\">\n  \t\t?\t<span class=\"tip \">\n\t\t<span class=\"tip-content\">Enter the remaining amount of the loans you\u2019d like to refinance<\/span>\n\t\t<span class=\"tip-arrow\"><\/span>\n\t<\/span>\n\t  \t<\/span>\n  \t<span class=\"input-group loan-balance\">\n  \t\t<span class=\"input-group-addon\">$<\/span>\n  \t\t<input type=\"number\" min=\"1\" value=\"55000\" step=\"1000\" name=\"loan-balance\" id=\"loan-balance\" aria-label=\"Loan balance\" class=\"form-control\" inputmode=\"numeric\" pattern=\"[0-9]*\">\n  \t<\/span>\n  <\/div>\n  <\/div>\n  <\/div>\n\n  <p>Step 2. Enter current loan information<\/p>\n\n  <div class=\"row form-groups\">\n  <div class=\"col-xs-8 col-md\">\n    <div class=\"form-group\">\n  \t\t<label for=\"interest-rate\">Interest rate<\/label>\n  \t\t<span class=\"badge badge-pill\" data-toggle=\"tip\" data-placement=\"top left\">\n  \t\t\t?\t<span class=\"tip \">\n\t\t<span class=\"tip-content\">Enter the average annual interest rate of the loans you\u2019d like to refinance<\/span>\n\t\t<span class=\"tip-arrow\"><\/span>\n\t<\/span>\n\t  \t\t<\/span>\n  \t\t<span class=\"input-group interest-rate\">\n  \t\t\t<input type=\"number\" min=\"2.00\" value=\"6.8\" max=\"100\" step=\".01\" name=\"interest-rate\" id=\"interest-rate\" aria-label=\"Interest rate\" class=\"form-control\">\n  \t\t\t<span class=\"input-group-addon\">%<\/span>\n  \t\t<\/span>\n  \t<\/div>\n  <\/div>\n  <div class=\"col-xs-6 col-lg\">\n    <div class=\"form-group\">\n  \t\t<label for=\"monthly-payment\">Monthly payment<\/label>\n  \t\t<span class=\"badge badge-pill\" data-toggle=\"tip\" data-placement=\"top left\">\n  \t\t\t?\t<span class=\"tip \">\n\t\t<span class=\"tip-content\">Enter the monthly amount you currently pay on your loans (or enter remaining term)<\/span>\n\t\t<span class=\"tip-arrow\"><\/span>\n\t<\/span>\n\t  \t\t<\/span>\n  \t\t<span class=\"input-group monthly-payment\">\n  \t\t\t<span class=\"input-group-addon\">$<\/span>\n  \t\t\t<input type=\"text\" value=\"620\" min=\"1\" step=\"10\" name=\"monthly-payment\" id=\"monthly-payment\" aria-label=\"Monthly payment\" class=\"form-control\" inputmode=\"numeric\" pattern=\"[0-9]*\">\n  \t\t<\/span>\n  \t<\/div>\n  <\/div>\n  <div class=\"col-xs-6 col-lg\">\n    <div class=\"form-group\">\n  \t\t<label for=\"remaining-term\">Remaining term<\/label>\n  \t\t<span class=\"badge badge-pill\" data-toggle=\"tip\" data-placement=\"top left\">\n  \t\t\t?\t<span class=\"tip \">\n\t\t<span class=\"tip-content\">Enter the amount of time left to repay your loan (or enter monthly payment)<\/span>\n\t\t<span class=\"tip-arrow\"><\/span>\n\t<\/span>\n\t  \t\t<\/span>\n  \t\t<span class=\"input-group remaining-term\">\n  \t\t\t<input type=\"number\" value=\"9\" min=\"1\" max=\"50\" step=\"1\" name=\"remaining-term\" id=\"remaining-term\" aria-label=\"Remaining term\" class=\"form-control\" inputmode=\"numeric\" pattern=\"[0-9]*\">\n  \t\t\t<span class=\"input-group-addon\">years<\/span>\n  \t\t<\/span>\n  \t<\/div>\n  <\/div>\n  <\/div>\n\n  <p>Step 3. Enter your new loan information to start calculating your savings<\/p>\n\n  <div class=\"row form-groups\">\n  <div class=\"col-xs-8 col-lg\">\n    <div class=\"form-group\">\n  \t\t<label for=\"new-interest-rate\">Interest rate<\/label>\n  \t\t<span class=\"badge badge-pill\" data-toggle=\"tip\" data-placement=\"top left\">\n  \t\t\t?\t<span class=\"tip \">\n\t\t<span class=\"tip-content\">Enter an estimated new interest rate.<\/span>\n\t\t<span class=\"tip-arrow\"><\/span>\n\t<\/span>\n\t  \t\t<\/span>\n  \t\t<span class=\"input-group new-interest-rate\">\n  \t\t\t<input type=\"number\" value=\"4.25\" min=\"2.00\" max=\"100\" step=\".01\" name=\"new-interest-rate\" id=\"new-interest-rate\" aria-label=\"Interest rate\" class=\"form-control\">\n  \t\t\t<span class=\"input-group-addon\">%<\/span>\n  \t\t<\/span>\n    <\/div>\n  <\/div>\n  <div class=\"col-xs-6 col-lg\">\n    <div class=\"form-group\">\n  \t\t<label for=\"new-monthly-payment\">Monthly payment<\/label>\n  \t\t<span class=\"badge badge-pill\" data-toggle=\"tip\" data-placement=\"top left\">\n  \t\t\t?\t<span class=\"tip \">\n\t\t<span class=\"tip-content\">Enter the monthly amount to pay on your new loan (or enter new loan term)<\/span>\n\t\t<span class=\"tip-arrow\"><\/span>\n\t<\/span>\n\t  \t\t<\/span>\n  \t\t<span class=\"input-group new-monthly-payment\">\n  \t\t\t<span class=\"input-group-addon\">$<\/span>\n  \t\t\t<input type=\"text\" value=\"533\" min=\"1\" step=\"10\" name=\"new-monthly-payment\" id=\"new-monthly-payment\" aria-label=\"Monthly payment\" class=\"form-control\" inputmode=\"numeric\" pattern=\"[0-9]*\">\n  \t\t<\/span>\n    <\/div>\n  <\/div>\n  <div class=\"col-xs-6 col-lg\">\n    <div class=\"form-group\">\n  \t\t<label for=\"new-remaining-term\">New loan term<\/label>\n  \t\t<span class=\"badge badge-pill\" data-toggle=\"tip\" data-placement=\"top left\" title=\"\">\n  \t\t\t?\t<span class=\"tip \">\n\t\t<span class=\"tip-content\">Enter the amount of time you have to repay your loan (or enter monthly payment)<\/span>\n\t\t<span class=\"tip-arrow\"><\/span>\n\t<\/span>\n\t  \t\t<\/span>\n  \t\t<span class=\"input-group new-remaining-term\">\n  \t\t\t<input type=\"number\" value=\"10\" min=\"1\" max=\"50\" step=\"1\" name=\"new-remaining-term\" id=\"new-remaining-term\" aria-label=\"Remaining term\" class=\"form-control\" inputmode=\"numeric\" pattern=\"[0-9]*\">\n  \t\t\t<span class=\"input-group-addon\">years<\/span>\n  \t\t<\/span>\n    <\/div>\n  <\/div>\n  <\/div>\n\n<\/div>\n<div class=\"outputs container\">\n\n  <div class=\"results row\">\n  <div class=\"col-xs-6 col-sm-4 col-md-6 col-lg-4\">\n    <div id=\"total-difference-container\" class=\"negative\">\n  \t\t<span class=\"is-negative\">Lifetime Savings<\/span>\n  \t\t<span class=\"is-positive\">Increased Lifetime Cost<\/span>\n    \t<big>$<span id=\"total-difference\"><\/span><\/big>\n    <\/div>\n  <\/div>\n  <div class=\"col-xs-6 col-sm-4 col-md-6 col-lg-4\">\n  \tNew Monthly Payment\n  \t<big>$<span id=\"output-new-monthly-payment\"><\/span><\/big>\n  <\/div>\n  <div class=\"col-xs-12 col-sm-4 col-md-12 col-lg-4\">\n    <div id=\"payment-difference-container\" class=\"negative\">\n    \t\t<span class=\"is-negative\">Monthly Savings<\/span>\n    \t\t<span class=\"is-positive\">Increased Monthly Cost<\/span>\n    \t<big>$<span class=\"payment-difference\"><\/span><\/big>\n    <\/div>\n  <\/div>\n  <\/div>\n\n  <p class=\"results-sentence\">\n    If you refinance your student loan at\n    <strong><span id=\"output-new-interest-rate\"><\/span>%<\/strong>\n    interest rate, you\n    <span class=\"payment-difference-is-negative\">can save<\/span>\n    <span class=\"payment-difference-is-positive\">will pay an additional<\/span>\n    <strong>$<span class=\"payment-difference\"><\/span><\/strong>\n    monthly and pay off your loan by\n    <strong><span id=\"new-loan-payoff-date\"><\/span><\/strong>.\n    The total cost of the new loan will be\n    <strong>$<span class=\"output-new-total\"><\/span><\/strong>.\n  <\/p>\n\n  <hr \/>\n  <div class=\"cta\">\n        <p>\n      <strong>Does refinancing make sense for you?<\/strong><br \/>\n      Compare offers from top refinancing lenders to determine your actual savings.\n    <\/p>\n    <p>\n      <a href=\"\/refinance-student-loans\" class=\"btn btn-lg btn-warning\">\n        Check Personalized Rates      <\/a><br \/>\n      <small>Checking rates won't affect your credit score<\/small>\n    <\/p>\n      <\/div>\n\n<\/div>\n<\/div>\n\n<p>If you know the terms of your loans, you can enter them into the student loan refinancing calculator below to see how much money you might save through <a href=\"https:\/\/www.credible.com\/refinance-student-loans\">refinancing<\/a>.<\/p>\n<p>Here\u2019s the information you\u2019ll need:<\/p>\n<ul>\n<li><b>Loan balance:<\/b> This is the amount you want to refinance. Keep in mind that you can choose to refinance some or all of your student loans.<\/li>\n<li><b>Remaining term: <\/b>This is the number of years left on your current loan term.<\/li>\n<li><b>New loan term: <\/b>This is the repayment term you\u2019re considering for your new loan. Terms on refinancing loans generally range from 5 to 20 years, depending on the lender.<\/li>\n<li><b>Interest rate: <\/b>In the interest rate fields, enter the interest rate for your current loan and enter the potential interest rate you might have after refinancing your student loan.<\/li>\n<li><b>Monthly payment: <\/b>While the monthly payment will populate automatically after you add the interest rate and loan term, adjusting the amount will show you how increasing or decreasing your payment could affect your loan term and overall cost.<\/li>\n<\/ul>\n<h2>How to decide if you should refinance your student loans<\/h2>\n<p>While refinancing could be the best choice in some cases, it isn\u2019t right for everyone. Here are two key factors that can help you decide whether you should refinance your student loans:<\/p>\n<ol>\n<li><a href=\"#how-much-you-owe\">How much you owe<\/a><\/li>\n<li><a href=\"#rates-you-qualify-for\">What rates you might qualify for<\/a><\/li>\n<\/ol>\n<p><a name=\"how-much-you-owe\"><\/a><\/p>\n<h3>1. How much do you owe?<\/h3>\n<p>The first step to <a href=\"https:\/\/www.credible.com\/blog\/refinance-student-loans\/should-i-refinance-some-or-all-of-my-student-loans\/\">deciding if refinancing is right for you<\/a> is knowing how much you owe and what your interest rates are. Here\u2019s how you can check this information, depending on the type of loans you have:<\/p>\n<ul>\n<li><strong>To find your federal student loan balance:<\/strong> <span style=\"font-weight: 400;\">Check your dashboard on StudentAid.gov<\/span><span style=\"font-weight: 400;\"> or with your school\u2019s financial aid office.<\/span><\/li>\n<li><b>To find your private student loan balance: <\/b>Check your credit report to find your private lender, then contact them or log in to their site to view your balance.<\/li>\n<\/ul>\n<p><b><i>Learn More: <\/i><\/b><a href=\"https:\/\/www.credible.com\/blog\/refinance-student-loans\/student-loan-balance\/\"><b><i>How To Find Your Student Loan Balance<\/i><\/b><\/a><\/p>\n<p><a name=\"rates-you-qualify-for\"><\/a><\/p>\n<h3>2. What rates can you qualify for?<\/h3>\n<p>To be eligible to refinance your student loans at a better interest rate, you&#8217;ll typically need a good credit score and steady income. This tells lenders that you should be able to repay your student loans without an issue.<\/p>\n\n<table id=\"tablepress-138\" class=\"tablepress tablepress-id-138 table table-border-top table-rounded table-no-img-margin table-capitalized-column-titles tbody-has-connected-cells\">\n<thead>\n<tr class=\"row-1\">\n\t<th class=\"column-1\"><strong>Lender<\/strong><\/th><th class=\"column-2\"><strong>Rates from (APR)<\/strong><\/th><th class=\"column-3\"><strong>Min. credit score<\/strong><\/th><th class=\"column-4\"><strong>Min. annual income<\/strong><\/th>\n<\/tr>\n<\/thead>\n<tbody class=\"row-hover\">\n<tr class=\"row-2\">\n\t<td class=\"column-1\"><img decoding=\"async\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2019\/06\/brazos-education-lending-logo-proper-size.png\" alt=\"brazos student loan refinancing\" width=\"100\"\/><\/td><td class=\"column-2\">Fixed:   <span>\n    3.99%+<sup><\/sup>\n  <\/span>\n<br \/>\nVariable:   <span>\n    3.65%+<sup><\/sup>\n  <\/span>\n<\/td><td class=\"column-3\">720<\/td><td class=\"column-4\">$30,000 with cosigner<br \/>\n$60,000 without<\/td>\n<\/tr>\n<tr class=\"row-3\">\n\t<td class=\"column-1\"><img decoding=\"async\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2021\/04\/citizens_logo_updated_trans-png.png \" alt=\"citizens bank student loans\" width=\"100\" \/><\/td><td class=\"column-2\">Fixed:   <span>\n    5.65%+<sup>1<\/sup>\n  <\/span>\n<br \/>\nVariable:   <span>\n    5.69%+<sup>1<\/sup>\n  <\/span>\n<\/td><td class=\"column-3\">Does not disclose<\/td><td class=\"column-4\">$24,000<\/td>\n<\/tr>\n<tr class=\"row-4\">\n\t<td class=\"column-1\"><img decoding=\"async\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2024\/09\/CASL_Logo_400x100@2x.png\" alt=\"college ave student loans\" width=\"100\" \/><\/td><td class=\"column-2\">Fixed:   <span>\n    6.99%+<sup>2<\/sup>\n  <\/span>\n<br \/>\nVariable:   <span>\n    6.99%+<sup>2<\/sup>\n  <\/span>\n<\/td><td class=\"column-3\">Does not disclose<\/td><td class=\"column-4\">Does not disclose<\/td>\n<\/tr>\n<tr class=\"row-5\">\n\t<td class=\"column-1\"><img decoding=\"async\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2019\/03\/edvestinu.png\" alt=\"edvestinu student loan consolidation\" width=\"100\" \/><\/td><td class=\"column-2\">Fixed:   <span>\n    4.15%+<sup>5<\/sup>\n  <\/span>\n<br \/>\nVariable:  <span>\n    5.22%+<sup>5<\/sup>\n  <\/span>\n<\/td><td class=\"column-3\">700<\/td><td class=\"column-4\">$30,000<\/td>\n<\/tr>\n<tr class=\"row-6\">\n\t<td class=\"column-1\"><img decoding=\"async\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2018\/10\/elfi-logo.png\" alt=\"elfi student loans\" width=\"100\" \/><\/td><td class=\"column-2\">Fixed:   <span>\n    4.29%+<sup>3<\/sup>\n  <\/span>\n<br \/>\nVariable:   <span>\n    4.74%+<sup>3<\/sup>\n  <\/span>\n<\/td><td class=\"column-3\">680<\/td><td class=\"column-4\">$35,000<\/td>\n<\/tr>\n<tr class=\"row-7\">\n\t<td class=\"column-1\"><img decoding=\"async\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2017\/08\/logo-invested@2x.png\" alt=\"invested refinancing\" width=\"100\" \/><\/td><td class=\"column-2\">Fixed:   <span>\n    5.31%+<sup>4<\/sup>\n  <\/span>\n<br \/>\nVariable:   <span>\n    6.83%+<sup>4<\/sup>\n  <\/span>\n<\/td><td class=\"column-3\">670<\/td><td class=\"column-4\">$36,000<\/td>\n<\/tr>\n<tr class=\"row-8\">\n\t<td class=\"column-1\"><img decoding=\"async\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2021\/03\/ISL_Logo-32x32@2x.png\" alt=\"iowa student loan refinancing\" width=\"100\" \/><\/td><td class=\"column-2\">Fixed:   <span>\n    6.94%+<sup><\/sup>\n  <\/span>\n<sup>7<\/sup><br \/>\nVariable: N\/A<\/td><td class=\"column-3\">670<\/td><td class=\"column-4\">None<\/td>\n<\/tr>\n<tr class=\"row-9\">\n\t<td class=\"column-1\"><img decoding=\"async\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2020\/03\/LendKey-e1626094327612.png\" alt=\"lendkey\" width=\"100\" \/><\/td><td class=\"column-2\">Fixed:   <span>\n    4.39%+<sup><\/sup>\n  <\/span>\n<br \/>\nVariable:   <span>\n    4.17%+<sup><\/sup>\n  <\/span>\n<\/td><td class=\"column-3\">700<\/td><td class=\"column-4\">$40,000<\/td>\n<\/tr>\n<tr class=\"row-10\">\n\t<td class=\"column-1\"><img decoding=\"async\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2017\/03\/logo.png\" alt=\"mefa refinancing\" width=\"100\" \/><\/td><td class=\"column-2\">Fixed:   <span>\n    6.2%+<sup><\/sup>\n  <\/span>\n<br \/>\nVariable: N\/A<\/td><td class=\"column-3\">670<\/td><td class=\"column-4\">$24,000<\/td>\n<\/tr>\n<tr class=\"row-11\">\n\t<td class=\"column-1\"><img decoding=\"async\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2017\/01\/risla.png\" alt=\"rhode island student loan authority refinancing\" width=\"100\" \/><\/td><td class=\"column-2\">Fixed:   <span>\n    3.99%+<sup><\/sup>\n  <\/span>\n<br \/>\nVariable: N\/A<\/td><td class=\"column-3\">680<\/td><td class=\"column-4\">$40,000<\/td>\n<\/tr>\n<tr class=\"row-12\">\n\t<td class=\"column-1\"><img decoding=\"async\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2020\/05\/SoFi_horz_RGB_Turquoise_CircleR_Upwardcropped.png\" alt=\"sofi refinancing\" width=\"100\" \/><\/td><td class=\"column-2\">Fixed: Check with lender<br \/>\nVariable: Check with lender<\/td><td class=\"column-3\">Does not disclose<\/td><td class=\"column-4\">Does not disclose<\/td>\n<\/tr>\n<tr class=\"row-13\">\n\t<td colspan=\"4\" class=\"column-1\"><center><b>Considering student loan refinancing?<\/b><br><a class=\"btn btn-warning\" href=\"https:\/\/www.credible.com\/refi\/prequal\">Compare Rates Now<\/a><\/center><\/td>\n<\/tr>\n<tr class=\"row-14\">\n\t<td colspan=\"4\" class=\"column-1\"><p style=\"text-align: center;\"><small>All APRs reflect autopay and loyalty discounts where available | <a href=\"https:\/\/www.citizensbank.com\/student-lending\/DisclosureHub.aspx#rate-lowest\" target=\"_blank\" rel=\"noopener noreferrer\"><sup>1<\/sup>Citizens Disclosures <\/a> | <a href=\"https:\/\/www.credible.com\/a\/college-ave-disclosures\/\" target=\"_blank\" rel=\"noopener noreferrer\"><sup>2<\/sup>College Ave Disclosures <\/a> | <a href=\"https:\/\/www.credible.com\/a\/edvestinu-apr-details-refi\" target=\"_blank\" rel=\"noopener noreferrer\"><sup>5<\/sup>EDvestinU Disclosures <\/a> | <a href=\"https:\/\/www.elfi.com\/terms\/\" target=\"_blank\" rel=\"noopener noreferrer\"><sup>3<\/sup> ELFI Disclosures<\/a> | <a href=\"https:\/\/www.credible.com\/a\/invested-slr-disclosures\" target=\"_blank\" rel=\"noopener noreferrer\"><sup>4<\/sup>INvestEd Disclosures<\/a> | <a href=\"https:\/\/www.credible.com\/a\/ISL-Disclosures\" target=\"_blank\" rel=\"noopener noreferrer\"><sup>7<\/sup>ISL Education Lending Disclosures\u00a0<\/a> | <a href=\"https:\/\/www.credible.com\/disclosures-api\/get-latest\/refi.nelnet.blog-disclosures\"><sup>8<\/sup>Nelnet Bank Disclosures<\/a><\/small><\/p><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n\n<h2>Should I refinance my federal student loans?<\/h2>\n<p>While you can refinance both federal and private loans, refinancing federal student loans will cost you access to federal benefits and protections \u2014 such as income-driven repayment plans and student loan forgiveness programs.<\/p>\n<p><span style=\"font-weight: 400;\">Consolidating your federal student loans is always encouraged over refinancing. You can consolidate your federal loans into one <\/span><a href=\"https:\/\/www.credible.com\/blog\/student-loans\/direct-consolidation-loan\/\"><span style=\"font-weight: 400;\">Direct Consolidation Loan<\/span><\/a><span style=\"font-weight: 400;\"> with one monthly payment. By <a href=\"https:\/\/www.credible.com\/blog\/student-loans\/how-to-consolidate-student-loans\/\">consolidating<\/a>, the interest rate on your loans is determined by the weighted average of all the rates you\u2019re consolidating, but rounded up to the nearest one-eighth of a percent. Additionally, your repayment term can also be extended up to 30 years.<\/span><\/p>\n<div class=\"basic-box\" style=\"border: 1px solid #E2E4E6;\"><div class=\"basic-box__inside\"><strong>Keep in mind:<\/strong> Due to the COVID-19 pandemic, payments and interest accrual on federal student loans were paused by the CARES Act. However, the 0% interest rate ended on September 1, 2023. In addition, student loan repayment restarted in October 2023.<\/div><\/div>\n<p>In some cases, refinancing your federal student loans might be a good idea. Here are a few scenarios where refinancing could be worth it and others where it probably isn\u2019t the best idea:<\/p>\n\n<table id=\"tablepress-818\" class=\"tablepress tablepress-id-818 table table-border-top table-rounded table-no-img-margin table-capitalized-column-titles\">\n<thead>\n<tr class=\"row-1\">\n\t<th class=\"column-1\"><strong>Scenario<\/strong><\/th><th class=\"column-2\"><strong>Should you refinance?<\/strong><\/th>\n<\/tr>\n<\/thead>\n<tbody class=\"row-striping row-hover\">\n<tr class=\"row-2\">\n\t<td class=\"column-1\">You have high interest rates and your credit is strong<\/td><td class=\"column-2\">Yes, refinancing might make sense<\/td>\n<\/tr>\n<tr class=\"row-3\">\n\t<td class=\"column-1\">You have stable income and want to pay off your loans faster<\/td><td class=\"column-2\">Yes, refinancing might make sense<\/td>\n<\/tr>\n<tr class=\"row-4\">\n\t<td class=\"column-1\">You know someone with strong credit who is willing to cosign your loan<\/td><td class=\"column-2\">Yes, refinancing might make sense<\/td>\n<\/tr>\n<tr class=\"row-5\">\n\t<td class=\"column-1\">You\u2019re on track to qualify for loan forgiveness<\/td><td class=\"column-2\">No, you likely shouldn't refinance<\/td>\n<\/tr>\n<tr class=\"row-6\">\n\t<td class=\"column-1\">You have poor credit and no cosigner<\/td><td class=\"column-2\">No, you likely shouldn't refinance<\/td>\n<\/tr>\n<tr class=\"row-7\">\n\t<td class=\"column-1\">Your income is low or unstable<\/td><td class=\"column-2\">No, you likely shouldn't refinance<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n\n<p><b><i>Keep Reading: <\/i><\/b><a href=\"https:\/\/www.credible.com\/blog\/student-loans\/how-to-consolidate-student-loans\/\"><i><span style=\"font-weight: 400;\">How To Consolidate Your Student Loans<\/span><\/i><\/a><\/p>\n<h2>How to refinance your student loans<\/h2>\n<p>If you\u2019re ready to refinance your student loans, follow these four steps:<\/p>\n<p><img fetchpriority=\"high\" decoding=\"async\" class=\"alignnone size-medium wp-image-56371\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2018\/12\/how-to-refinance-a-student-loan-infographic-600x600.png\" alt=\"\" width=\"600\" height=\"600\" \/><\/p>\n<ol>\n<li><b>Research and compare lenders. <\/b><span style=\"font-weight: 400;\">Your first step should be to compare lenders. Consider key factors, such as interest rate, repayment terms, monthly payment, and fees.\u00a0<\/span><\/li>\n<li><b>Pick a loan option. <\/b><span style=\"font-weight: 400;\">Choose whichever lender best fits your situation.\u00a0<\/span><\/li>\n<li><b>Complete the application. <\/b><span style=\"font-weight: 400;\">Even if you\u2019ve already prequalified, you\u2019ll need to complete an application to refinance. Once the lender does a hard credit pull (which impacts your credit), you\u2019ll find out if you\u2019re approved for the loan.<\/span><\/li>\n<li><b>Continue making payments on your old loan. <\/b><span style=\"font-weight: 400;\">You\u2019ll need to keep making your payments on your old loan until your new one is processed. Missing any payments on your current loan can impact your credit.<\/span><\/li>\n<\/ol>\n<p><b><i>Check Out: <\/i><\/b><a href=\"https:\/\/www.credible.com\/blog\/refinance-student-loans\/how-to-refinance-student-loans\/\"><b><i>How To Refinance Your Student Loans<\/i><\/b><\/a><\/p>\n<h2>Frequently asked questions<\/h2>\n<p>Here are the answers to several commonly asked questions about student loan refinancing:<\/p>\n<h3>When should I refinance my student loans?<\/h3>\n<p>A good time to refinance is when you can qualify for lower interest rates than those on your existing student loans. Typically, this is once you\u2019ve graduated, have a steady job, and have established your credit.<\/p>\n<p>If you don\u2019t qualify to refinance right after graduation on your own, you could be eligible with a cosigner who has strong credit (or you can try again once your financial situation improves). But if you\u2019re still not sure if you qualify, Credible makes it easy to <a href=\"https:\/\/www.credible.com\/refinance\/prequal\">see your prequalified rates<\/a> from multiple lenders in just two minutes.<\/p>\n<p><b><i>Related: <\/i><\/b><i><span style=\"font-weight: 400;\">Learn more about<\/span><\/i><a href=\"https:\/\/www.credible.com\/refinance-student-loans\"> <i><span style=\"font-weight: 400;\">refinancing your student loans<\/span><\/i><\/a><\/p>\n<p><span style=\"font-weight: 400;\">When you refinance your student loans, you\u2019re likely to see some savings.\u00a0<\/span><\/p>\n<div class=\"basic-box\" style=\"border: 1px solid #E2E4E6;\"><div class=\"basic-box__inside\"><b>For example: <\/b><span style=\"font-weight: 400;\">Let\u2019s say you have a loan balance of $65,000 with an interest rate of 8% and a remaining term of 8 years. Your current monthly payment is $919. Your new lender makes an offer of a lower interest rate at 4.5%, a new loan term of 10 years, and a monthly payment of $674. By refinancing, you\u2019ll save $7,375 over the life of the loan and pay $245 less for your monthly payment.\u00a0<\/span><\/div><\/div>\n<p><b><i>Learn More: <\/i><\/b><a href=\"https:\/\/www.credible.com\/blog\/refinance-student-loans\/when-to-refinance\/\"><b><i>When To Refinance Student Loans<\/i><\/b><\/a><\/p>\n<h3>How much will refinancing my student loans save me?<\/h3>\n<p>According to a recent analysis of self-reported data provided by borrowers who refinanced their student loans through Credible, Credible users who refinanced into a shorter term loan saved an average of $16,943 over the life of their new loan.<sup>1<\/sup><\/p>\n<p>But keep in mind the amount you save will depend on your specific situation.<\/p>\n<h3>How can I qualify for refinancing?<\/h3>\n<p>Qualifying for student loan refinancing depends on a number of factors, like your credit score, debt-to-income ratio (DTI), the school you graduated from, and how much you want to refinance.<\/p>\n<p>Adding a cosigner with strong credit could also improve your chances of prequalifying for a loan. Credible allows you to compare options with different cosigners, so you can see which helps you prequalify with better rates.<\/p>\n<p><b><i>Check Out: <\/i><\/b><a href=\"https:\/\/www.credible.com\/blog\/personal-finance\/improve-credit-score\/\"><b><i>How To Improve Your Credit<\/i><\/b><\/a><\/p>\n<h3>Do I make enough to refinance?<\/h3>\n<p>Some lenders have minimum income requirements if you want to refinance your student loans with them. <span style=\"font-weight: 400;\">The minimum income varies by lender and the number also depends on whether you have a qualifying cosigner or not. Income is generally considered by lenders as part of their DTI calculation to determine if you have enough to cover your current monthly debts.<\/span><\/p>\n<p>However, the most important thing is that you have a steady job and consistent income. This can help show lenders you\u2019re responsible and can pay your loans back.<\/p>\n<h3>How often can I refinance my student loans?<\/h3>\n<p>Although many refinance their student loans just once, there\u2019s actually no limit to <a href=\"https:\/\/www.credible.com\/blog\/refinance-student-loans\/how-often-can-you-refinance\/\">how often you can refinance your student loans<\/a>. In some situations, refinancing again could help you save even more money than you did when you first refinanced your student loans.<\/p>\n<p><span style=\"font-weight: 400;\">Just make sure it makes sense to refinance a second or even third time. If you can\u2019t get a lower rate, it probably isn\u2019t the best idea for you.<\/span><\/p>\n<h3>How long before you can refinance student loans?<\/h3>\n<p>You can refinance your student loans as soon as you meet the requirements set by the lender, such as having good credit as well as verifiable income. You might also be required to have graduated before you can refinance, depending on the lender.<\/p>\n<p>Some lenders allow borrowers to refinance their loans without a degree or even while they\u2019re still in school. However, keep in mind that many students don\u2019t yet have the required income and credit history to qualify for refinancing. In most cases, you\u2019ll need to build a good credit history, secure a stable income, and possibly graduate (depending on the lender) before you can refinance your student loans.<\/p>\n<h2>Other student loan calculators<\/h2>\n<p>Here are a couple of other calculators that could come in handy:<\/p>\n<h3><a href=\"https:\/\/www.credible.com\/blog\/calculators\/student-loan-calculator\/\">Student Loan Interest Calculator<\/a><\/h3>\n<p><b>Best for: <\/b><\/p>\n<ul>\n<li>Estimating your monthly student loan payments<\/li>\n<li>Seeing how much you\u2019ll pay in interest over time<\/li>\n<li>Checking whether a different interest or loan term will help you save money<\/li>\n<\/ul>\n<h3><a href=\"https:\/\/www.credible.com\/blog\/calculators\/student-loan-repayment-calculator\/\">Student Loan Repayment Calculator<\/a><\/h3>\n<p><b>Best for: <\/b><\/p>\n<ul>\n<li>Estimating how long it will take to pay off your loan<\/li>\n<li>Checking your expected interest costs<\/li>\n<li>Seeing how making extra payments could change your payoff date<\/li>\n<\/ul>\n<p><b><i>Related: <\/i><\/b><i><span style=\"font-weight: 400;\">Learn more about<\/span><\/i><a href=\"https:\/\/www.credible.com\/refinance-student-loans\"> <i><span style=\"font-weight: 400;\">refinancing your student loans<\/span><\/i><\/a><\/p>\n<hr \/>\n<p data-pm-slice=\"1 1 []\"><em>Rates displayed include Automatic Payment and Loyalty Discounts, where applicable. Note that such discounts do not apply while loans are in deferment. The lenders on the Credible.com platform offer fixed rates ranging from 3.39% - 17.99% APR and Variable interest rates from 4.13%\u00a0-\u00a017.99%\u00a0APR. Variable rates will fluctuate over the term of the borrower's loan with changes in the Index rate. The Index will be either LIBOR or SOFR. Rates are subject to change at any time without notice. Your actual rate may be different from the rates advertised and\/or shown above and will be based on factors such as the term of your loan, your financial history (including your cosigner\u2019s (if any) financial history) and the degree you are in the process of achieving or have achieved. While not always the case, lower rates typically require creditworthy applicants with creditworthy co-signers, graduate degrees, and shorter repayment terms (terms vary by lender and can range from 5-20 years) and include Automatic Payment and Loyalty discounts, where applicable. Loyalty and Automatic Payment discount requirements as well as Lender terms and conditions will vary by lender and therefore, reading each lender\u2019s disclosures is important. Additionally, lenders may have loan minimum and maximum requirements, degree requirements, educational institution requirements, citizenship and residency requirements as well as other lender-specific requirements. Lenders will conduct a hard credit pull when you submit your application. Hard credit pulls will have an impact on your credit<\/em><\/p>\n\n","protected":false},"excerpt":{"rendered":"<p>Refinancing is a good idea if: You want to save money. \u00a0By refinancing your student loans, you can typically secure a lower interest rate, and you can save money over the life of your loan.&hellip; <a class=\"more \" href=\"https:\/\/www.credible.com\/blog\/calculators\/student-loan-refinancing-calculator\/\">Continue reading<\/a><\/p>\n","protected":false},"author":113,"featured_media":38416,"parent":4899,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"om_disable_all_campaigns":false,"inline_featured_image":false,"footnotes":""},"class_list":["post-4904","page","type-page","status-publish","has-post-thumbnail","hentry","student-loan-refinancing-calculator"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.6 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Student Loan Refinance Calculator: Should I Refinance? | Credible<\/title>\n<meta name=\"description\" content=\"Refinancing could help you save money on interest over the life of your loan. 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