{"id":37002,"date":"2019-10-04T15:06:46","date_gmt":"2019-10-04T23:06:46","guid":{"rendered":"https:\/\/www.credible.com\/blog\/?p=37002"},"modified":"2023-06-05T17:14:52","modified_gmt":"2023-06-06T00:14:52","slug":"when-to-refinance-your-student-loans","status":"publish","type":"post","link":"https:\/\/www.credible.com\/blog\/refinance-student-loans\/when-to-refinance\/","title":{"rendered":"When to Refinance Student Loans"},"content":{"rendered":"<p>If you refinance your student loans, you might get a lower interest rate or reduce your monthly payments, which could help you get out of debt faster.<\/p>\n<p>In fact, borrowers who refinance through Credible could potentially save an average of $17,344<a href=\"#disclaimer\"><sup>1<\/sup><\/a> over the life of their loan. However, refinancing isn\u2019t always the best idea for everyone.<\/p>\n<p><b>Here\u2019s how to decide when to refinance student loans:<\/b><\/p>\n<ul>\n<li><a href=\"#when-to-refinance-student-loans\">When to refinance student loans<\/a><\/li>\n<li><a href=\"#when-not-to-refinance-student-loans\">When not to refinance student loans<\/a><\/li>\n<li><a href=\"#are-you-eligible-for-refinancing\">Are you eligible for student loan refinancing?<\/a><\/li>\n<li><a href=\"#is-it-worth-it-to-refinance-student-loans\">Is it worth it to refinance student loans?<\/a><\/li>\n<li><a href=\"#is-now-good-time-to-refinance\">Is now a good time to refinance?<\/a><\/li>\n<li><a href=\"#how-to-refinance-your-student-loans\">How to refinance your student loans<\/a><\/li>\n<\/ul>\n<p><a name=\"when-to-refinance-student-loans\"><\/a><\/p>\n<h2>When to refinance student loans<\/h2>\n<p><iframe src=\"https:\/\/www.youtube.com\/embed\/R80mQYhG2fM\" width=\"560\" height=\"315\" frameborder=\"0\" allowfullscreen=\"allowfullscreen\"><\/iframe><\/p>\n<p>Here are several situations in which <a href=\"https:\/\/www.credible.com\/refinance-student-loans\">refinancing student loans<\/a> might be a good idea:<b><\/b><\/p>\n<ul>\n<li><b>You want to pay off your loan sooner:<\/b> If you refinance, you can choose a shorter repayment term. While this might raise your payments, it also means you could <a href=\"https:\/\/www.credible.com\/blog\/refinance-student-loans\/how-long-to-pay-off\/\">pay off your loan faster<\/a>. You might also qualify for a lower interest rate, which could make it easier to repay your loan more quickly.<\/li>\n<li><b>You want to combine multiple student loans:<\/b> Keeping track of more than one student loan can be like herding cats sometimes. It can also be difficult to know <a href=\"https:\/\/www.credible.com\/blog\/refinance-student-loans\/pay-off-first\/\">which loan to pay off first<\/a>. Refinancing could simplify your repayment by combining all your student loans into a single loan that\u2019s easier to manage.<\/li>\n<li><b>You want to get a smaller monthly payment:<\/b> The <a href=\"https:\/\/www.credible.com\/blog\/refinance-student-loans\/how-much-will-you-actually-pay-for-a-30k-student-loan\/\">average student loan payment<\/a> is $393. If you\u2019re having trouble making ends meet, you could choose to extend your repayment term by refinancing, which will likely reduce your monthly payment. However, keep in mind that having a longer term means you might end up paying more in interest over time.<\/li>\n<li><b>You\u2019re unhappy with your servicer or lender:<\/b> If you\u2019ve had a bad experience with the company managing your loans, you don\u2019t have to stick with them. Refinancing lets you take your business elsewhere.<\/li>\n<li><b>Your income and credit are good:<\/b> Refinancing lenders typically consider both your income and credit to determine if you qualify. Having verifiable income and good credit makes it more likely that you\u2019ll qualify for a lower interest rate or better terms.<\/li>\n<li><b>Market interest rates are low:<\/b> Sometimes refinancing rates fall so much that you might get a lower rate even if your financial situation hasn\u2019t changed. You can also <a href=\"https:\/\/www.credible.com\/blog\/refinance-student-loans\/how-often-can-you-refinance\/\">refinance again<\/a> if rates change again in the future.<\/li>\n<\/ul>\n<p>If you decide to refinance, be sure to consider as many lenders as possible to find the right loan for you. Credible makes this easy \u2014 you can compare your prequalified rates from multiple lenders in two minutes.<\/p>\n<p>Also keep in mind that while <a href=\"https:\/\/www.credible.com\/blog\/refinance-student-loans\/can-you-refinance-federal-student-loans\/\">federal student loan refinance<\/a> is an option, you\u2019ll lose your federal benefits and protections if you refinance to a private student loan. These include access to income-driven repayment (IDR) plans and student loan forgiveness programs.<\/p>\n<div class=\"basic-box\" style=\"border: 1px solid #E2E4E6;\"><div class=\"basic-box__inside\"><span style=\"font-size: x-large;\"><strong>Find out if refinancing is right for you<\/strong><\/span><\/p>\n<ul class=\"list--iconArrow accent--isGreen\">\n<li><strong>Compare actual rates, not ballpark estimates<\/strong> &#8211; Unlock rates from multiple lenders in about 2 minutes<\/li>\n<li><strong>Won&#8217;t impact credit score<\/strong> &#8211; Checking rates on Credible won&#8217;t impact your credit score<\/li>\n<li><strong>Data privacy<\/strong> &#8211; We don&#8217;t sell your information, so you won&#8217;t get calls or emails from multiple lenders<\/li>\n<\/ul>\n<p style=\"text-align: center;\"><a class=\"btn btn-warning\" href=\"https:\/\/www.credible.com\/refinance-student-loans\">See Your Refinancing Options<\/a><br \/>\n<small>Credible is 100% free!<\/small><\/p>\n<p><!-- TrustBox widget - Micro Combo --><\/p>\n<div class=\"trustpilot-widget\" data-locale=\"en-US\" data-template-id=\"5419b6ffb0d04a076446a9af\" data-businessunit-id=\"5536ec090000ff00057eebe7\" data-style-height=\"20px\" data-style-width=\"100%\" data-theme=\"light\"><a href=\"https:\/\/www.trustpilot.com\/review\/www.credible.com\" target=\"_blank\" rel=\"noopener noreferrer\">Trustpilot<\/a><\/div>\n<p><!-- End TrustBox widget --><\/p>\n<\/div><\/div>\n<p><em><strong>Learn More: <a href=\"https:\/\/www.credible.com\/blog\/refinance-student-loans\/credit-union-student-loan-refinance\/\">4 Credit Unions for Student Loan Refinancing<\/a><\/strong><\/em><\/p>\n<p><a name=\"when-not-to-refinance-student-loans\"><\/a><\/p>\n<h2>When not to refinance student loans<\/h2>\n<p>While refinancing might sometimes be a good choice, here are a few situations in which it\u2019s better not to refinance:<\/p>\n<ul>\n<li><b>You have federal student loans:<\/b> If you refinance your federal student loans into a private student loan, you\u2019ll lose your federal protections and benefits. This is especially important to keep in mind if you don\u2019t have a solid financial footing since you\u2019ll no longer have access to IDR plans.<\/li>\n<li><b>Your finances aren\u2019t secure: <\/b>Unlike federal student loans, private student loans don\u2019t come with built-in protections such as deferment and forbearance. If your income could change or go down in the future, it might be better to wait on refinancing until your finances are more stable.<\/li>\n<li><b>You\u2019re trying to get federal loan forgiveness:<\/b> Refinancing federal loans means you\u2019ll no longer be eligible for federal loan forgiveness programs. For example, you must have federal student loans to potentially qualify for Public Service Loan Forgiveness.<\/li>\n<li><b>You have poor credit:<\/b> Having bad credit could make it harder to qualify for refinancing, especially if you want to get a better interest rate. While there are options for <a href=\"https:\/\/www.credible.com\/blog\/refinance-student-loans\/with-bad-credit\/\">bad credit student loan refinance<\/a>, they won\u2019t come with the lowest interest rates.<\/li>\n<li><b>You\u2019re close to paying off your loan:<\/b> If you only have a short time left before your loan is paid off, it might make more sense to just pay it off instead of refinancing. Going through the process to only save a few pennies likely isn\u2019t worth it \u2014 and that\u2019s if you can even find a lender for such a small loan size.<\/li>\n<li><b>Interest rates are higher than what you already have:<\/b> If the potential rate you could get is higher than what you have on your loan right now, it\u2019s probably better to wait. However, It doesn\u2019t hurt to check your rates to make sure.<\/li>\n<\/ul>\n<p>Before you decide whether you should refinance, it\u2019s also a good idea to see how much refinancing might save you over time. You can use our calculator below to see your potential savings if you refinance.<\/p>\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    \n<p><strong>Does refinancing make sense for you?<\/strong><br \/>\nCompare offers from top refinancing lenders to determine your actual savings.<\/p>\n<p><a class=\"btn btn-lg btn-warning\" href=\"\/refi\/prequal\">Check Personalized Rates<\/a><\/p>\n<p><small>Checking rates won&#8217;t affect your credit score.<\/small><\/p>\n  <\/div>\n\n<\/div>\n<\/div>\n\n<p><b><i>Check Out: <\/i><\/b><a href=\"https:\/\/www.credible.com\/student-loan-consolidation\"><b><i>Private Student Loan Consolidation<\/i><\/b><\/a><\/p>\n<p><a name=\"are-you-eligible-for-refinancing\"><\/a><\/p>\n<h2>Are you eligible for student loan refinancing?<\/h2>\n<p>While the eligibility criteria for refinancing can vary by lender, here are some common requirements that you&#8217;ll likely need to meet:<\/p>\n<ul>\n<li><strong>Good credit:<\/strong> You&#8217;ll typically need good to excellent credit to get approved for refinancing. A good credit score is usually considered to be 700 or higher. Some lenders offer refinancing for bad credit. However, these loans tend to come with higher interest rates compared to good credit loans.<\/li>\n<li><strong>Verifiable income:<\/strong> Some lenders have a minimum income requirement while others don&#8217;t, but in either case, you&#8217;ll likely need to provide proof of income to show you can afford repayment.<\/li>\n<li><strong>Low debt-to-income ratio:<\/strong> Your debt-to-income (DTI) ratio is the amount you owe in monthly debt payments compared to your income. To qualify for refinancing, your DTI ratio should be no higher than 50%, though some lenders might require lower ratios than this.<\/li>\n<\/ul>\n<div class=\"basic-box\" style=\"border: 1px solid #E2E4E6;\"><div class=\"basic-box__inside\"><b>Tip:<\/b> Many lenders allow you to see your personalized rates with just a soft credit pull that doesn&#8217;t affect your credit. If you&#8217;re unsure whether you&#8217;ll qualify for refinancing, it could be worth checking through one of these prequalification opportunities.<\/p>\n<p>For example, you can see your prequalified rates from Credible&#8217;s partner lenders without impacting your credit.<\/div><\/div>\n<p><em><strong>Learn More: <a href=\"https:\/\/www.credible.com\/blog\/refinance-student-loans\/cost-to-refinance\/\">Cost to Refinance Student Loans: Fees &amp; Discounts Explained<\/a><\/strong><\/em><\/p>\n<p><a name=\"is-it-worth-it-to-refinance-student-loans\"><\/a><\/p>\n<h2>Is it worth it to refinance student loans?<\/h2>\n<p>If refinancing will help you to save money, pay off your student loans faster, or manage your loans more easily, then it\u2019s likely worth it. However, if refinancing won\u2019t improve your financial situation or will cost you federal benefits and protections, then it might not be a good idea.<\/p>\n<div class=\"basic-box\" style=\"border: 1px solid #E2E4E6;\"><div class=\"basic-box__inside\"><strong>Keep in mind:<\/strong> Although you can refinance both private and federal student loans, refinancing federal student loans will cost you your federal benefits and protections \u2014 including access to income-driven repayment plans and student loan forgiveness programs.<\/p>\n<p>While refinancing private student loans could be worth it, be sure to consider your options carefully before refinancing federal student loans.<\/div><\/div>\n<p>Ultimately, whether it\u2019s worth it to refinance student loans will depend on your individual circumstances and financial goals.<\/p>\n<h3>Find your loan score<\/h3>\n<p>If you\u2019re wondering how competitive your loan is, the loan score tool below can help. Just enter your APR, credit score, monthly payment, and remaining balance (estimates are fine) to see how your loan stacks up.<\/p>\n<div id=\"loan-score-tool\">\n  Loading widget - loan-score-tool\n<\/div>\n\n<p><em><strong>Check Out: <\/strong><\/em><em><strong><a href=\"https:\/\/www.credible.com\/blog\/refinance-student-loans\/is-it-worth-refinancing\/\">Is It Worth It to Refinance Student Loans?<\/a><\/strong><\/em><em><strong><br \/>\n<\/strong><\/em><\/p>\n<p><a name=\"is-now-good-time-to-refinance\"><\/a><\/p>\n<h2>Is now a good time to refinance?<\/h2>\n<p>Due to the COVID-19 pandemic, the CARES Act paused federal student loan payments and interest accrual. Payments are scheduled to restart after September 1, 2023.<\/p>\n<p>If you refinance your federal student loans, you&#8217;ll no longer be eligible for this administrative forbearance and will have to start making payments again. You&#8217;ll also lose access to other federal benefits and protections, such as IDR plans and student loan forgiveness programs.<\/p>\n<div class=\"basic-box\" style=\"border: 1px solid #E2E4E6;\"><div class=\"basic-box__inside\"><strong>Tip:<\/strong> Student loan refinancing rates have dropped over the past several months \u2014 so if you have private student loans, it could be a good idea to refinance them to take advantage of these low rates.<\/p>\n<p>Keep in mind that you&#8217;ll generally need good to excellent credit to qualify for the lowest rates available.<\/div><\/div>\n<p><a name=\"how-to-refinance-your-student-loans\"><\/a><\/p>\n<h2>How to refinance your student loans<\/h2>\n<p>Refinancing your student loans is a big decision, so be sure to take the time to consider whether it\u2019s right for you.<\/p>\n<p>For example, if you can qualify for a lower interest rate or better repayment terms, it could be a <a href=\"https:\/\/www.credible.com\/blog\/refinance-student-loans\/good-idea\/\">good idea to refinance<\/a>. But if you have poor credit or unstable income, it\u2019s probably better not to refinance your student loans.<\/p>\n<p>If you\u2019re wondering <a href=\"https:\/\/www.credible.com\/blog\/refinance-student-loans\/how-to-refinance-student-loans\/\">how to refinance student loans<\/a>, follow these four simple steps:<b><\/b><\/p>\n<ul>\n<li><b>Step 1: Research and compare lenders.<\/b> Be sure to compare your options from as many lenders as you can to find the right loan for your situation. Consider not only interest rates, but also repayment terms, any fees charged by the lender, and eligibility requirements.<\/li>\n<li><strong>Step 2: Pick your loan option.<\/strong> After considering as many lenders as possible, choose the option that best suits your needs. For example, you might choose a loan with a shorter repayment term and higher monthly payment to pay off your loan faster. Or you might extend your repayment term to reduce your monthly payment, lessening the strain on your budget.<\/li>\n<li><b>Step 3: Complete your application.<\/b> Once you\u2019ve decided on a lender, you\u2019ll need to complete a full application and submit any required documentation, such as pay stubs or tax returns.<\/li>\n<li><b>Step 4: Stay current on your loans.<\/b> You\u2019ll need to keep up with payments on your old loans until your new loan is processed. Once this happens, be sure to double-check that your old loans have been paid off.<\/li>\n<\/ul>\n<p>Remember to consider as many lenders as possible to find the right loan for you. This is easy with Credible \u2014 you can compare your prequalified rates from our partner lenders in the table below after filling out just a single form.<\/p>\n\n<table id=\"tablepress-501\" class=\"tablepress tablepress-id-501 table table-border-top table-rounded table-align-center table-capitalized-column-titles table-no-img-margin 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>Fixed rates from (APR)<\/strong><\/th><th class=\"column-3\"><strong>Variable rates from (APR)<\/strong><\/th><th class=\"column-4\"><strong>Loan terms (years)<\/strong><\/th><th class=\"column-5\"><strong>Loan amounts<\/strong><\/th>\n<\/tr>\n<\/thead>\n<tbody class=\"row-hover\">\n<tr class=\"row-2\">\n\t<td class=\"column-1\"><center><br \/>\n<br \/>\n        <div class=\"tablepress-rating-shortcode\">\n            <div class=\"heading__container\">\n                <span class=\"heading\">\n                                            <a href=\"https:\/\/www.credible.com\/lenders\/brazos\/\">Credible Rating<\/a>\n                                    <\/span>\n                                    <div class=\"even\" data-toggle=\"tip\" data-placement=\"top left\">\n                        <img decoding=\"async\" class=\"icon-help\" alt=\"Question mark icon to show more information\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/icon-help-dark.svg\">\n                        <span class=\"tip\">\n                            <span class=\"tip-content\">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. <a href=\"https:\/\/www.credible.com\/blog\/credible-rating-lender-methodology\/\">Read our full methodology.<\/a><\/span>\n                            <span class=\"tip-arrow\"><\/span>\n                        <\/span>\n                    <\/div>\n                            <\/div>\n            <div class=\"star-rating__container\" role=\"img\" aria-label=\"4 star rating\">\n                            <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                    <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                    <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                    <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                            <img decoding=\"async\" class=\"star-light\" alt=\"A half star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-half.svg\">\n                    <\/div>\n            <div class=\"details-link\">\n                <a href=\"#\" class=\"collapsed\" data-target=\"#brazos\" data-toggle=\"collapse\" role=\"button\">View details<\/a>\n            <\/div>\n        <\/div>\n        <\/td><td class=\"column-2\">  <span>\n    4.19%+<sup><\/sup>\n  <\/span>\n<\/td><td class=\"column-3\">  <span>\n    3.66%+<sup><\/sup>\n  <\/span>\n<\/td><td class=\"column-4\">5, 7, 10, 15, 20<\/td><td class=\"column-5\">$10,000 up to $250,000<br \/>\n<small>(depending on degree)<\/td>\n<\/tr>\n<tr class=\"row-3\">\n\t<td colspan=\"5\" class=\"column-1\">            <div id=\"brazos\" class=\"collapse tablepress-lender-details__container\">\n                <ul>\n                                                <li><span class=\"font-weight-bold\">Fixed APR:<\/span>\n                                  <span>\n    4.19%+<sup><\/sup>\n  <\/span>\n<\/li>\n                                                <li><span class=\"font-weight-bold\">Variable APR:<\/span>\n                                  <span>\n    3.66%+<sup><\/sup>\n  <\/span>\n<\/li>\n                                                <li><span class=\"font-weight-bold\">Min. credit score:<\/span>\n                                720<\/li>\n                                                <li><span class=\"font-weight-bold\">Loan amount:<\/span>\n                                $10,000 to $400,000<\/li>\n                                                <li><span class=\"font-weight-bold\">Loan terms (years):<\/span>\n                                5, 7, 10, 15, 20<\/li>\n                                                <li><span class=\"font-weight-bold\">Repayment options:<\/span>\n                                Military deferment, forbearance<\/li>\n                                                <li><span class=\"font-weight-bold\">Fees:<\/span>\n                                Late fee<\/li>\n                                                <li><span class=\"font-weight-bold\">Discounts:<\/span>\n                                Autopay<\/li>\n                                                <li><span class=\"font-weight-bold\">Eligibility:<\/span>\n                                Must have a credit score of at least 720, a minimum income of $60,000, and must be a resident of Texas<\/li>\n                                                <li><span class=\"font-weight-bold\">Customer service:<\/span>\n                                Email, phone<\/li>\n                                                <li><span class=\"font-weight-bold\">Soft credit check:<\/span>\n                                720<\/li>\n                                                <li><span class=\"font-weight-bold\">Cosigner release:<\/span>\n                                No<\/li>\n                                                <li><span class=\"font-weight-bold\">Loan servicer:<\/span>\n                                Firstmark Services<\/li>\n                                                <li><span class=\"font-weight-bold\">Max. Undergraduate Loan Balance:<\/span>\n                                $100,000 - $149,000<\/li>\n                                                <li><span class=\"font-weight-bold\">Max. Graduate Loan Balance:<\/span>\n                                $200,000 - $400,000<\/li>\n                                                <li><span class=\"font-weight-bold\">Offers Parent PLUS Refinancing:<\/span>\n                                Does not disclose<\/li>\n                                    <\/ul>\n                            <\/div>\n        <\/td>\n<\/tr>\n<tr class=\"row-4\">\n\t<td class=\"column-1\"><center><br \/>\n<br \/>\n        <div class=\"tablepress-rating-shortcode\">\n            <div class=\"heading__container\">\n                <span class=\"heading\">\n                                            <a href=\"https:\/\/www.credible.com\/lenders\/citizens-bank\/#citizens-bank-student-loan-refinancing\">Credible Rating<\/a>\n                                    <\/span>\n                                    <div class=\"even\" data-toggle=\"tip\" data-placement=\"top left\">\n                        <img decoding=\"async\" class=\"icon-help\" alt=\"Question mark icon to show more information\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/icon-help-dark.svg\">\n                        <span class=\"tip\">\n                            <span class=\"tip-content\">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. <a href=\"https:\/\/www.credible.com\/blog\/credible-rating-lender-methodology\/\">Read our full methodology.<\/a><\/span>\n                            <span class=\"tip-arrow\"><\/span>\n                        <\/span>\n                    <\/div>\n                            <\/div>\n            <div class=\"star-rating__container\" role=\"img\" aria-label=\"3 star rating\">\n                            <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                    <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                    <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                            <img decoding=\"async\" class=\"star-light\" alt=\"A half star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-half.svg\">\n                        <img decoding=\"async\" class=\"star-light\" alt=\"An empty star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-empty.svg\">\n                        <\/div>\n            <div class=\"details-link\">\n                <a href=\"#\" class=\"collapsed\" data-target=\"#citizens-bank-refi\" data-toggle=\"collapse\" role=\"button\">View details<\/a>\n            <\/div>\n        <\/div>\n        <\/td><td class=\"column-2\">  <span>\n    5.65%+<sup>1<\/sup>\n  <\/span>\n <\/td><td class=\"column-3\">  <span>\n    5.7%+<sup>1<\/sup>\n  <\/span>\n<\/td><td class=\"column-4\">5, 7, 10, 15, 20<\/td><td class=\"column-5\">$10,000 to $500,000<br \/>\n<small>(depending on degree and loan type)<\/td>\n<\/tr>\n<tr class=\"row-5\">\n\t<td colspan=\"5\" class=\"column-1\">            <div id=\"citizens-bank-refi\" class=\"collapse tablepress-lender-details__container\">\n                <ul>\n                                                <li><span class=\"font-weight-bold\">Fixed APR:<\/span>\n                                  <span>\n    5.65%+<sup>1<\/sup>\n  <\/span>\n<\/li>\n                                                <li><span class=\"font-weight-bold\">Variable APR:<\/span>\n                                  <span>\n    5.7%+<sup>1<\/sup>\n  <\/span>\n<\/li>\n                                                <li><span class=\"font-weight-bold\">Min. credit score:<\/span>\n                                Does not disclose<\/li>\n                                                <li><span class=\"font-weight-bold\">Loan amount:<\/span>\n                                $10,000 to $750,000<\/li>\n                                                <li><span class=\"font-weight-bold\">Loan terms (years):<\/span>\n                                5, 7, 10, 15, 20<\/li>\n                                                <li><span class=\"font-weight-bold\">Repayment options:<\/span>\n                                Immediate repayment, academic deferment, military deferment, forbearance, loans discharged upon death or disability<\/li>\n                                                <li><span class=\"font-weight-bold\">Fees:<\/span>\n                                Late fee<\/li>\n                                                <li><span class=\"font-weight-bold\">Discounts:<\/span>\n                                Autopay, loyalty<\/li>\n                                                <li><span class=\"font-weight-bold\">Eligibility:<\/span>\n                                Must be a U.S. citizen or permanent resident and have at least $10,000 in student loans<\/li>\n                                                <li><span class=\"font-weight-bold\">Customer service:<\/span>\n                                Email, phone, chat<\/li>\n                                                <li><span class=\"font-weight-bold\">Soft credit check:<\/span>\n                                Yes<\/li>\n                                                <li><span class=\"font-weight-bold\">Cosigner release:<\/span>\n                                After 24 to 36 months<\/li>\n                                                <li><span class=\"font-weight-bold\">Loan servicer:<\/span>\n                                Firstmark Services<\/li>\n                                                <li><span class=\"font-weight-bold\">Max. Undergraduate Loan Balance:<\/span>\n                                $100,000 to $149,000<\/li>\n                                                <li><span class=\"font-weight-bold\">Max. Graduate Loan Balance:<\/span>\n                                Less than $150,000<\/li>\n                                                <li><span class=\"font-weight-bold\">Offers Parent PLUS Refinancing:<\/span>\n                                Yes<\/li>\n                                    <\/ul>\n                            <\/div>\n        <\/td>\n<\/tr>\n<tr class=\"row-6\">\n\t<td class=\"column-1\"><center><br \/>\n<br \/>\n        <div class=\"tablepress-rating-shortcode\">\n            <div class=\"heading__container\">\n                <span class=\"heading\">\n                                            <a href=\"https:\/\/www.credible.com\/lenders\/college-ave\/#college-ave-student-loan-refinancing\">Credible Rating<\/a>\n                                    <\/span>\n                                    <div class=\"even\" data-toggle=\"tip\" data-placement=\"top left\">\n                        <img decoding=\"async\" class=\"icon-help\" alt=\"Question mark icon to show more information\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/icon-help-dark.svg\">\n                        <span class=\"tip\">\n                            <span class=\"tip-content\">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. <a href=\"https:\/\/www.credible.com\/blog\/credible-rating-lender-methodology\/\">Read our full methodology.<\/a><\/span>\n                            <span class=\"tip-arrow\"><\/span>\n                        <\/span>\n                    <\/div>\n                            <\/div>\n            <div class=\"star-rating__container\" role=\"img\" aria-label=\"4 star rating\">\n                            <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                    <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                    <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                    <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                            <img decoding=\"async\" class=\"star-light\" alt=\"A half star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-half.svg\">\n                    <\/div>\n            <div class=\"details-link\">\n                <a href=\"#\" class=\"collapsed\" data-target=\"#college-ave\" data-toggle=\"collapse\" role=\"button\">View details<\/a>\n            <\/div>\n        <\/div>\n        <\/td><td class=\"column-2\">  <span>\n    6.99%+<sup>2<\/sup>\n  <\/span>\n<\/td><td class=\"column-3\">  <span>\n    6.99%+<sup>2<\/sup>\n  <\/span>\n<\/td><td class=\"column-4\">5, 7, 10, 12, 15, 20<\/td><td class=\"column-5\">$5,000 to $300,000<br \/>\n<small>(depending on degree type)<\/td>\n<\/tr>\n<tr class=\"row-7\">\n\t<td colspan=\"5\" class=\"column-1\">            <div id=\"college-ave\" class=\"collapse tablepress-lender-details__container\">\n                <ul>\n                                                <li><span class=\"font-weight-bold\">Fixed APR:<\/span>\n                                  <span>\n    6.99%+<sup>2<\/sup>\n  <\/span>\n<\/li>\n                                                <li><span class=\"font-weight-bold\">Variable APR:<\/span>\n                                  <span>\n    6.99%+<sup>2<\/sup>\n  <\/span>\n<\/li>\n                                                <li><span class=\"font-weight-bold\">Min. credit score:<\/span>\n                                 Does not disclose<\/li>\n                                                <li><span class=\"font-weight-bold\">Loan amount:<\/span>\n                                $5,000 to $300,000<\/li>\n                                                <li><span class=\"font-weight-bold\">Loan terms (years):<\/span>\n                                5, 7, 10, 12, 15<\/li>\n                                                <li><span class=\"font-weight-bold\">Repayment options:<\/span>\n                                Military deferment, forbearance, loans discharged upon death or disability<\/li>\n                                                <li><span class=\"font-weight-bold\">Fees:<\/span>\n                                Late fee<\/li>\n                                                <li><span class=\"font-weight-bold\">Discounts:<\/span>\n                                Autopay<\/li>\n                                                <li><span class=\"font-weight-bold\">Eligibility:<\/span>\n                                All states except for ME<\/li>\n                                                <li><span class=\"font-weight-bold\">Customer service:<\/span>\n                                Email, phone, chat<\/li>\n                                                <li><span class=\"font-weight-bold\">Soft credit check:<\/span>\n                                Yes<\/li>\n                                                <li><span class=\"font-weight-bold\">Cosigner release:<\/span>\n                                After 24 to 36 months<\/li>\n                                                <li><span class=\"font-weight-bold\">Loan servicer:<\/span>\n                                College Ave Servicing LLC<\/li>\n                                                <li><span class=\"font-weight-bold\">Max. Undergraduate Loan Balance:<\/span>\n                                $100,000 to $149,000<\/li>\n                                                <li><span class=\"font-weight-bold\">Max. Graduate Loan Balance:<\/span>\n                                Less than $300,000<\/li>\n                                                <li><span class=\"font-weight-bold\">Offers Parent PLUS Refinancing:<\/span>\n                                Yes<\/li>\n                                    <\/ul>\n                            <\/div>\n        <\/td>\n<\/tr>\n<tr class=\"row-8\">\n\t<td class=\"column-1\"><center><br \/>\n<br \/>\n        <div class=\"tablepress-rating-shortcode\">\n            <div class=\"heading__container\">\n                <span class=\"heading\">\n                                            <a href=\"https:\/\/www.credible.com\/lenders\/edvestinu\/#edvestinu-student-loan-refinancing-review\">Credible Rating<\/a>\n                                    <\/span>\n                                    <div class=\"even\" data-toggle=\"tip\" data-placement=\"top left\">\n                        <img decoding=\"async\" class=\"icon-help\" alt=\"Question mark icon to show more information\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/icon-help-dark.svg\">\n                        <span class=\"tip\">\n                            <span class=\"tip-content\">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. <a href=\"https:\/\/www.credible.com\/blog\/credible-rating-lender-methodology\/\">Read our full methodology.<\/a><\/span>\n                            <span class=\"tip-arrow\"><\/span>\n                        <\/span>\n                    <\/div>\n                            <\/div>\n            <div class=\"star-rating__container\" role=\"img\" aria-label=\"3 star rating\">\n                            <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                    <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                    <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                            <img decoding=\"async\" class=\"star-light\" alt=\"A three-quarter star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-three-quarter.svg\">\n                        <img decoding=\"async\" class=\"star-light\" alt=\"An empty star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-empty.svg\">\n                        <\/div>\n            <div class=\"details-link\">\n                <a href=\"#\" class=\"collapsed\" data-target=\"#edvestinu\" data-toggle=\"collapse\" role=\"button\">View details<\/a>\n            <\/div>\n        <\/div>\n        <\/td><td class=\"column-2\">  <span>\n    4.15%+<sup>5<\/sup>\n  <\/span>\n<\/td><td class=\"column-3\">  <span>\n    5.22%+<sup>5<\/sup>\n  <\/span>\n<\/td><td class=\"column-4\">5, 10, 15, 20<\/td><td class=\"column-5\">$1,000 to $250,000<\/td>\n<\/tr>\n<tr class=\"row-9\">\n\t<td colspan=\"5\" class=\"column-1\">            <div id=\"edvestinu\" class=\"collapse tablepress-lender-details__container\">\n                <ul>\n                                                <li><span class=\"font-weight-bold\">Fixed APR:<\/span>\n                                  <span>\n    4.15%+<sup>5<\/sup>\n  <\/span>\n<\/li>\n                                                <li><span class=\"font-weight-bold\">Variable APR:<\/span>\n                                  <span>\n    5.22%+<sup>5<\/sup>\n  <\/span>\n<\/li>\n                                                <li><span class=\"font-weight-bold\">Min. credit score:<\/span>\n                                700<\/li>\n                                                <li><span class=\"font-weight-bold\">Loan amount:<\/span>\n                                $7,500 to $200,000<\/li>\n                                                <li><span class=\"font-weight-bold\">Loan terms (years):<\/span>\n                                5, 10, 15, 20<\/li>\n                                                <li><span class=\"font-weight-bold\">Repayment options:<\/span>\n                                Immediate repayment, academic deferment, forbearance, loans discharged upon death or disability<\/li>\n                                                <li><span class=\"font-weight-bold\">Fees:<\/span>\n                                None<\/li>\n                                                <li><span class=\"font-weight-bold\">Discounts:<\/span>\n                                Autopay<\/li>\n                                                <li><span class=\"font-weight-bold\">Eligibility:<\/span>\n                                Must be a U.S. citizen or permanent resident and submit two personal references<\/li>\n                                                <li><span class=\"font-weight-bold\">Customer service:<\/span>\n                                Email, phone<\/li>\n                                                <li><span class=\"font-weight-bold\">Soft credit check:<\/span>\n                                Yes<\/li>\n                                                <li><span class=\"font-weight-bold\">Cosigner release:<\/span>\n                                After 24 months<\/li>\n                                                <li><span class=\"font-weight-bold\">Loan servicer:<\/span>\n                                Firstmark Services<\/li>\n                                                <li><span class=\"font-weight-bold\">Max. Undergraduate Loan Balance:<\/span>\n                                $150,000 to $249,000<\/li>\n                                                <li><span class=\"font-weight-bold\">Max. Graduate Loan Balance:<\/span>\n                                $150,000 to $199,000<\/li>\n                                                <li><span class=\"font-weight-bold\">Offers Parent PLUS Refinancing :<\/span>\n                                Yes<\/li>\n                                    <\/ul>\n                            <\/div>\n        <\/td>\n<\/tr>\n<tr class=\"row-10\">\n\t<td class=\"column-1\"><center><br \/>\n<br \/>\n        <div class=\"tablepress-rating-shortcode\">\n            <div class=\"heading__container\">\n                <span class=\"heading\">\n                                            <a href=\"https:\/\/www.credible.com\/lenders\/elfi\/\">Credible Rating<\/a>\n                                    <\/span>\n                                    <div class=\"even\" data-toggle=\"tip\" data-placement=\"top left\">\n                        <img decoding=\"async\" class=\"icon-help\" alt=\"Question mark icon to show more information\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/icon-help-dark.svg\">\n                        <span class=\"tip\">\n                            <span class=\"tip-content\">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. <a href=\"https:\/\/www.credible.com\/blog\/credible-rating-lender-methodology\/\">Read our full methodology.<\/a><\/span>\n                            <span class=\"tip-arrow\"><\/span>\n                        <\/span>\n                    <\/div>\n                            <\/div>\n            <div class=\"star-rating__container\" role=\"img\" aria-label=\"4 star rating\">\n                            <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                    <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                    <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                    <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                            <img decoding=\"async\" class=\"star-light\" alt=\"A half star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-half.svg\">\n                    <\/div>\n            <div class=\"details-link\">\n                <a href=\"#\" class=\"collapsed\" data-target=\"#elfi\" data-toggle=\"collapse\" role=\"button\">View details<\/a>\n            <\/div>\n        <\/div>\n        <\/td><td class=\"column-2\">  <span>\n    4.29%+<sup>3<\/sup>\n  <\/span>\n<\/td><td class=\"column-3\">  <span>\n    4.74%+<sup>3<\/sup>\n  <\/span>\n<\/td><td class=\"column-4\">5, 7, 10, 12, 15, 20<\/td><td class=\"column-5\">$10,000 to $250,000<\/td>\n<\/tr>\n<tr class=\"row-11\">\n\t<td colspan=\"5\" class=\"column-1\">            <div id=\"elfi\" class=\"collapse tablepress-lender-details__container\">\n                <ul>\n                                                <li><span class=\"font-weight-bold\">Fixed APR:<\/span>\n                                  <span>\n    4.29%+<sup>3<\/sup>\n  <\/span>\n<\/li>\n                                                <li><span class=\"font-weight-bold\">Variable APR:<\/span>\n                                  <span>\n    4.74%+<sup>3<\/sup>\n  <\/span>\n<\/li>\n                                                <li><span class=\"font-weight-bold\">Min. credit score:<\/span>\n                                680<\/li>\n                                                <li><span class=\"font-weight-bold\">Loan amount:<\/span>\n                                $10,000 to $250,000<\/li>\n                                                <li><span class=\"font-weight-bold\">Loan terms (years):<\/span>\n                                5, 7, 10, 15, 20<\/li>\n                                                <li><span class=\"font-weight-bold\">Repayment options:<\/span>\n                                Forbearance<\/li>\n                                                <li><span class=\"font-weight-bold\">Fees:<\/span>\n                                None<\/li>\n                                                <li><span class=\"font-weight-bold\">Discounts:<\/span>\n                                None<\/li>\n                                                <li><span class=\"font-weight-bold\">Eligibility:<\/span>\n                                Must be a U.S. citizen or permanent resident, have at least $15,000 in student loan debt, and have a bachelor\u2019s degree or higher from an approved school<\/li>\n                                                <li><span class=\"font-weight-bold\">Customer service:<\/span>\n                                Email, phone<\/li>\n                                                <li><span class=\"font-weight-bold\">Soft credit check:<\/span>\n                                Yes<\/li>\n                                                <li><span class=\"font-weight-bold\">Cosigner release:<\/span>\n                                No<\/li>\n                                                <li><span class=\"font-weight-bold\">Loan servicer:<\/span>\n                                Mohela<\/li>\n                                                <li><span class=\"font-weight-bold\">Max. Undergraduate Loan Balance:<\/span>\n                                $250,000<\/li>\n                                                <li><span class=\"font-weight-bold\">Max. Graduate Loan Balance:<\/span>\n                                $250,000<\/li>\n                                                <li><span class=\"font-weight-bold\">Offers Parent PLUS Refinancing:<\/span>\n                                Yes<\/li>\n                                    <\/ul>\n                            <\/div>\n        <\/td>\n<\/tr>\n<tr class=\"row-12\">\n\t<td class=\"column-1\"><center><br \/>\n<br \/>\n        <div class=\"tablepress-rating-shortcode\">\n            <div class=\"heading__container\">\n                <span class=\"heading\">\n                                            <a href=\"https:\/\/www.credible.com\/lenders\/invested\/#invested-refinancing\">Credible Rating<\/a>\n                                    <\/span>\n                                    <div class=\"even\" data-toggle=\"tip\" data-placement=\"top left\">\n                        <img decoding=\"async\" class=\"icon-help\" alt=\"Question mark icon to show more information\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/icon-help-dark.svg\">\n                        <span class=\"tip\">\n                            <span class=\"tip-content\">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. <a href=\"https:\/\/www.credible.com\/blog\/credible-rating-lender-methodology\/\">Read our full methodology.<\/a><\/span>\n                            <span class=\"tip-arrow\"><\/span>\n                        <\/span>\n                    <\/div>\n                            <\/div>\n            <div class=\"star-rating__container\" role=\"img\" aria-label=\"3 star rating\">\n                            <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                    <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                    <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                                <img decoding=\"async\" class=\"star-light\" alt=\"An empty star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-empty.svg\">\n                            <img decoding=\"async\" class=\"star-light\" alt=\"An empty star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-empty.svg\">\n                        <\/div>\n            <div class=\"details-link\">\n                <a href=\"#\" class=\"collapsed\" data-target=\"#invested-slr\" data-toggle=\"collapse\" role=\"button\">View details<\/a>\n            <\/div>\n        <\/div>\n        <\/td><td class=\"column-2\">  <span>\n    5.31%+<sup>4<\/sup>\n  <\/span>\n<\/td><td class=\"column-3\">  <span>\n    7.22%+<sup>4<\/sup>\n  <\/span>\n<\/td><td class=\"column-4\">5, 10, 15, 20<\/td><td class=\"column-5\">$5,000 to $250,000<\/td>\n<\/tr>\n<tr class=\"row-13\">\n\t<td colspan=\"5\" class=\"column-1\">            <div id=\"invested-slr\" class=\"collapse tablepress-lender-details__container\">\n                <ul>\n                                                <li><span class=\"font-weight-bold\">Fixed APR:<\/span>\n                                  <span>\n    5.31%+<sup>4<\/sup>\n  <\/span>\n<\/li>\n                                                <li><span class=\"font-weight-bold\">Variable APR:<\/span>\n                                  <span>\n    7.22%+<sup>4<\/sup>\n  <\/span>\n<\/li>\n                                                <li><span class=\"font-weight-bold\">Min. credit score:<\/span>\n                                670<\/li>\n                                                <li><span class=\"font-weight-bold\">Loan amount:<\/span>\n                                $5,000 to $250,000<\/li>\n                                                <li><span class=\"font-weight-bold\">Loan terms (years):<\/span>\n                                5, 10, 15, 20<\/li>\n                                                <li><span class=\"font-weight-bold\">Repayment options:<\/span>\n                                Academic deferment, military deferment, forbearance<\/li>\n                                                <li><span class=\"font-weight-bold\">Fees:<\/span>\n                                Late fee, returned payment fee<\/li>\n                                                <li><span class=\"font-weight-bold\">Discounts:<\/span>\n                                Autopay<\/li>\n                                                <li><span class=\"font-weight-bold\">Eligibility:<\/span>\n                                Must be U.S. citizen or permanent resident<\/li>\n                                                <li><span class=\"font-weight-bold\">Customer service:<\/span>\n                                Email, phone, chat<\/li>\n                                                <li><span class=\"font-weight-bold\">Soft credit check:<\/span>\n                                Yes<\/li>\n                                                <li><span class=\"font-weight-bold\">Cosigner release:<\/span>\n                                Yes<\/li>\n                                                <li><span class=\"font-weight-bold\">Max undergraduate loan balance:<\/span>\n                                $250,000<\/li>\n                                                <li><span class=\"font-weight-bold\">Max graduate loan balance:<\/span>\n                                $250,000<\/li>\n                                                <li><span class=\"font-weight-bold\">Offers Parent PLUS refinancing:<\/span>\n                                Yes<\/li>\n                                    <\/ul>\n                            <\/div>\n        <\/td>\n<\/tr>\n<tr class=\"row-14\">\n\t<td class=\"column-1\"><center><br \/>\n<br \/>\n        <div class=\"tablepress-rating-shortcode\">\n            <div class=\"heading__container\">\n                <span class=\"heading\">\n                                            <a href=\"https:\/\/www.credible.com\/lenders\/lendkey\/\">Credible Rating<\/a>\n                                    <\/span>\n                                    <div class=\"even\" data-toggle=\"tip\" data-placement=\"top left\">\n                        <img decoding=\"async\" class=\"icon-help\" alt=\"Question mark icon to show more information\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/icon-help-dark.svg\">\n                        <span class=\"tip\">\n                            <span class=\"tip-content\">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. <a href=\"https:\/\/www.credible.com\/blog\/credible-rating-lender-methodology\/\">Read our full methodology.<\/a><\/span>\n                            <span class=\"tip-arrow\"><\/span>\n                        <\/span>\n                    <\/div>\n                            <\/div>\n            <div class=\"star-rating__container\" role=\"img\" aria-label=\"4 star rating\">\n                            <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                    <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                    <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                    <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                            <img decoding=\"async\" class=\"star-light\" alt=\"A half star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-half.svg\">\n                    <\/div>\n            <div class=\"details-link\">\n                <a href=\"#\" class=\"collapsed\" data-target=\"#lendkey-slr\" data-toggle=\"collapse\" role=\"button\">View details<\/a>\n            <\/div>\n        <\/div>\n        <\/td><td class=\"column-2\">  <span>\n    4.39%+<sup><\/sup>\n  <\/span>\n<\/td><td class=\"column-3\">  <span>\n    4.18%+<sup><\/sup>\n  <\/span>\n<\/td><td class=\"column-4\">5, 7, 10, 15<\/td><td class=\"column-5\">Up to $300,000<\/td>\n<\/tr>\n<tr class=\"row-15\">\n\t<td colspan=\"5\" class=\"column-1\">            <div id=\"lendkey-slr\" class=\"collapse tablepress-lender-details__container\">\n                <ul>\n                                                <li><span class=\"font-weight-bold\">Fixed APR:<\/span>\n                                  <span>\n    4.39%+<sup><\/sup>\n  <\/span>\n<\/li>\n                                                <li><span class=\"font-weight-bold\">Variable APR:<\/span>\n                                  <span>\n    4.18%+<sup><\/sup>\n  <\/span>\n<\/li>\n                                                <li><span class=\"font-weight-bold\">Min. credit score:<\/span>\n                                700<\/li>\n                                                <li><span class=\"font-weight-bold\">Loan amount:<\/span>\n                                $5,000 to $300,000<\/li>\n                                                <li><span class=\"font-weight-bold\">Loan terms (years):<\/span>\n                                5, 7, 10, 15<\/li>\n                                                <li><span class=\"font-weight-bold\">Max. undergraduate Loan Balance:<\/span>\n                                $125,000<\/li>\n                                                <li><span class=\"font-weight-bold\">Time to Fund:<\/span>\n                                10 to 30 days<\/li>\n                                                <li><span class=\"font-weight-bold\">Repayment options:<\/span>\n                                Immediate repayment, forbearance <\/li>\n                                                <li><span class=\"font-weight-bold\">Fees:<\/span>\n                                Late fee<\/li>\n                                                <li><span class=\"font-weight-bold\">Discounts:<\/span>\n                                Autopay<\/li>\n                                                <li><span class=\"font-weight-bold\">Eligibility:<\/span>\n                                Must be a U.S. citizen or permanent resident and have already graduated with at least an associate degree from an eligible institution<\/li>\n                                                <li><span class=\"font-weight-bold\">Customer service:<\/span>\n                                Email, phone<\/li>\n                                                <li><span class=\"font-weight-bold\">Soft credit check:<\/span>\n                                Yes<\/li>\n                                                <li><span class=\"font-weight-bold\">Cosigner release:<\/span>\n                                After 12 months<\/li>\n                                                <li><span class=\"font-weight-bold\">Loan servicer:<\/span>\n                                LendKey Technologies Inc.<\/li>\n                                                <li><span class=\"font-weight-bold\">Max. graduate Loan Balance:<\/span>\n                                $175,000<\/li>\n                                                <li><span class=\"font-weight-bold\">Credible Review:<\/span>\n                                <a href=\"https:\/\/www.credible.com\/lenders\/lendkey\/\">LendKey Student Loans review<\/a><\/li>\n                                                <li><span class=\"font-weight-bold\">Offers Parent PLUS Refinancing:<\/span>\n                                No<\/li>\n                                    <\/ul>\n                            <\/div>\n        <\/td>\n<\/tr>\n<tr class=\"row-16\">\n\t<td class=\"column-1\"><center><br \/>\n<br \/>\n        <div class=\"tablepress-rating-shortcode\">\n            <div class=\"heading__container\">\n                <span class=\"heading\">\n                                            <a href=\"https:\/\/www.credible.com\/lenders\/mefa\/\">Credible Rating<\/a>\n                                    <\/span>\n                                    <div class=\"even\" data-toggle=\"tip\" data-placement=\"top left\">\n                        <img decoding=\"async\" class=\"icon-help\" alt=\"Question mark icon to show more information\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/icon-help-dark.svg\">\n                        <span class=\"tip\">\n                            <span class=\"tip-content\">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. <a href=\"https:\/\/www.credible.com\/blog\/credible-rating-lender-methodology\/\">Read our full methodology.<\/a><\/span>\n                            <span class=\"tip-arrow\"><\/span>\n                        <\/span>\n                    <\/div>\n                            <\/div>\n            <div class=\"star-rating__container\" role=\"img\" aria-label=\"4 star rating\">\n                            <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                    <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                    <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                    <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                                <img decoding=\"async\" class=\"star-light\" alt=\"An empty star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-empty.svg\">\n                        <\/div>\n            <div class=\"details-link\">\n                <a href=\"#\" class=\"collapsed\" data-target=\"#mefa\" data-toggle=\"collapse\" role=\"button\">View details<\/a>\n            <\/div>\n        <\/div>\n        <\/td><td class=\"column-2\">  <span>\n    6.2%+<sup><\/sup>\n  <\/span>\n<\/td><td class=\"column-3\">N\/A<\/td><td class=\"column-4\">7, 10, 15<\/td><td class=\"column-5\">$10,000 up to the total amount of qualified education debt<\/td>\n<\/tr>\n<tr class=\"row-17\">\n\t<td colspan=\"5\" class=\"column-1\">            <div id=\"mefa\" class=\"collapse tablepress-lender-details__container\">\n                <ul>\n                                                <li><span class=\"font-weight-bold\">Fixed APR:<\/span>\n                                  <span>\n    6.2%+<sup><\/sup>\n  <\/span>\n<\/li>\n                                                <li><span class=\"font-weight-bold\">Variable APR:<\/span>\n                                N\/A<\/li>\n                                                <li><span class=\"font-weight-bold\">Min. credit score:<\/span>\n                                670<\/li>\n                                                <li><span class=\"font-weight-bold\">Loan amount:<\/span>\n                                $10,000 up to the total amount<\/li>\n                                                <li><span class=\"font-weight-bold\">Loan terms (years):<\/span>\n                                7, 10, 15<\/li>\n                                                <li><span class=\"font-weight-bold\">Repayment options:<\/span>\n                                Military deferment, loans discharged upon death or disability<\/li>\n                                                <li><span class=\"font-weight-bold\">Fees:<\/span>\n                                None<\/li>\n                                                <li><span class=\"font-weight-bold\">Discounts:<\/span>\n                                None<\/li>\n                                                <li><span class=\"font-weight-bold\">Eligibility:<\/span>\n                                Must be a U.S. citizen or permanent resident and have at least $10,000 in student loans<\/li>\n                                                <li><span class=\"font-weight-bold\">Customer service:<\/span>\n                                Email, phone<\/li>\n                                                <li><span class=\"font-weight-bold\">Soft credit check:<\/span>\n                                Yes<\/li>\n                                                <li><span class=\"font-weight-bold\">Cosigner release:<\/span>\n                                No<\/li>\n                                                <li><span class=\"font-weight-bold\">Loan servicer:<\/span>\n                                AES<\/li>\n                                                <li><span class=\"font-weight-bold\">Max. Undergraduate Loan Balance:<\/span>\n                                No maximum<\/li>\n                                                <li><span class=\"font-weight-bold\">Max. Gradaute Loan Balance:<\/span>\n                                No maximum<\/li>\n                                                <li><span class=\"font-weight-bold\">Offers Parent PLUS Refinancing:<\/span>\n                                Yes<\/li>\n                                    <\/ul>\n                            <\/div>\n        <\/td>\n<\/tr>\n<tr class=\"row-18\">\n\t<td class=\"column-1\"><center><br \/>\n<br \/>\n        <div class=\"tablepress-rating-shortcode\">\n            <div class=\"heading__container\">\n                <span class=\"heading\">\n                                            <a href=\"https:\/\/www.credible.com\/lenders\/risla\/\">Credible Rating<\/a>\n                                    <\/span>\n                                    <div class=\"even\" data-toggle=\"tip\" data-placement=\"top left\">\n                        <img decoding=\"async\" class=\"icon-help\" alt=\"Question mark icon to show more information\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/icon-help-dark.svg\">\n                        <span class=\"tip\">\n                            <span class=\"tip-content\">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. <a href=\"https:\/\/www.credible.com\/blog\/credible-rating-lender-methodology\/\">Read our full methodology.<\/a><\/span>\n                            <span class=\"tip-arrow\"><\/span>\n                        <\/span>\n                    <\/div>\n                            <\/div>\n            <div class=\"star-rating__container\" role=\"img\" aria-label=\"3 star rating\">\n                            <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                    <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                    <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                            <img decoding=\"async\" class=\"star-light\" alt=\"A half star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-half.svg\">\n                        <img decoding=\"async\" class=\"star-light\" alt=\"An empty star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-empty.svg\">\n                        <\/div>\n            <div class=\"details-link\">\n                <a href=\"#\" class=\"collapsed\" data-target=\"#risla\" data-toggle=\"collapse\" role=\"button\">View details<\/a>\n            <\/div>\n        <\/div>\n        <\/td><td class=\"column-2\">  <span>\n    3.99%+<sup><\/sup>\n  <\/span>\n<\/td><td class=\"column-3\">N\/A<\/td><td class=\"column-4\">5, 10, 15<\/td><td class=\"column-5\">$7,500 up to $250,000<br \/>\n<small>(depending on highest degree earned)<\/td>\n<\/tr>\n<tr class=\"row-19\">\n\t<td colspan=\"5\" class=\"column-1\">            <div id=\"risla\" class=\"collapse tablepress-lender-details__container\">\n                <ul>\n                                                <li><span class=\"font-weight-bold\">Fixed APR:<\/span>\n                                  <span>\n    3.99%+<sup><\/sup>\n  <\/span>\n<\/li>\n                                                <li><span class=\"font-weight-bold\">Variable APR:<\/span>\n                                N\/A<\/li>\n                                                <li><span class=\"font-weight-bold\">Min. credit score:<\/span>\n                                680<\/li>\n                                                <li><span class=\"font-weight-bold\">Loan amount:<\/span>\n                                $7,500 to $250,000<\/li>\n                                                <li><span class=\"font-weight-bold\">Loan terms (years):<\/span>\n                                5, 10, 15<\/li>\n                                                <li><span class=\"font-weight-bold\">Repayment options:<\/span>\n                                Academic deferment, military deferment, forbearance, loans discharged upon death or disability<\/li>\n                                                <li><span class=\"font-weight-bold\">Fees:<\/span>\n                                None<\/li>\n                                                <li><span class=\"font-weight-bold\">Discounts:<\/span>\n                                Autopay<\/li>\n                                                <li><span class=\"font-weight-bold\">Eligibility:<\/span>\n                                Available in all 50 states; must also have at least $7,500 in student loans and a minimum income of $40,000<\/li>\n                                                <li><span class=\"font-weight-bold\">Customer service:<\/span>\n                                Email, phone<\/li>\n                                                <li><span class=\"font-weight-bold\">Soft credit check:<\/span>\n                                Does not disclose<\/li>\n                                                <li><span class=\"font-weight-bold\">Cosigner release:<\/span>\n                                No<\/li>\n                                                <li><span class=\"font-weight-bold\">Loan servicer:<\/span>\n                                Rhode Island Student Loan Authority<\/li>\n                                                <li><span class=\"font-weight-bold\">Max. Undergraduate Loan Balance:<\/span>\n                                $150,000 - $249,000<\/li>\n                                                <li><span class=\"font-weight-bold\">Max. Graduate Loan Balance:<\/span>\n                                $200,000 - $249,000<\/li>\n                                                <li><span class=\"font-weight-bold\">Offers Parent PLUS Refinancing:<\/span>\n                                Yes<\/li>\n                                    <\/ul>\n                            <\/div>\n        <\/td>\n<\/tr>\n<tr class=\"row-20\">\n\t<td colspan=\"5\" class=\"column-1\"><b>Compare personalized rates from multiple lenders without affecting your credit score. 100% free!<br \/>\n<br \/>\n<center><a class=\"btn btn-warning\" href=\"https:\/\/www.credible.com\/refi\/prequal\">Compare Now<\/a><br \/>\n<!-- TrustBox widget - Micro Combo --><br \/>\n<div class=\"trustpilot-widget\" data-locale=\"en-US\" data-template-id=\"5419b6ffb0d04a076446a9af\" data-businessunit-id=\"5536ec090000ff00057eebe7\" data-style-height=\"20px\" data-style-width=\"100%\" data-theme=\"light\"><a href=\"https:\/\/www.trustpilot.com\/review\/www.credible.com\" target=\"_blank\" rel=\"noopener noreferrer\">Trustpilot<\/a><\/div><br \/>\n<!-- End TrustBox widget --><\/td>\n<\/tr>\n<tr class=\"row-21\">\n\t<td colspan=\"5\" 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<p><a name=\"disclaimer\"><\/a><br \/>\n<small><sup>1<\/sup><b><i>$17,344 savings disclaimer: <\/i><\/b><i>Actual savings may be higher or lower. Average $17,344 savings calculation based on self-reported data from users who provided data to Credible.com about their original loans (such as loan balance, repayment term, and rate), created an account between Nov. 1, 2017 and Dec. 29, 2018, and refinanced into a student loan with a shorter repayment term than their previous loan(s). This calculation excludes borrowers who refinanced to a loan of a similar or longer duration or who reported loan terms that deviate from normal user experiences, including: (i) any loan term with less than one (1) year or more than twenty-five (25) years remaining; (ii) monthly loan payments greater than $5,000 per month; and (iii) any existing loan amount that deviates more than five (5) percent from the loan amount disbursed upon refinancing. Our calculations do not take into account variable factors such as the borrower\u2019s potential eligibility for loan forgiveness, variable interest rates, or pre-payments. Please note that your actual savings may vary depending on interest rate, balance, loan terms, credit score, and other factors.<\/i><\/small><\/p>\n","protected":false},"excerpt":{"rendered":"<p>If you refinance your student loans, you might get a lower interest rate or reduce your monthly payments, which could help you get out of debt faster. In fact, borrowers who refinance through Credible could&hellip; <a class=\"more \" href=\"https:\/\/www.credible.com\/blog\/refinance-student-loans\/when-to-refinance\/\">Continue reading<\/a><\/p>\n","protected":false},"author":110,"featured_media":37003,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"om_disable_all_campaigns":false,"inline_featured_image":false,"footnotes":""},"categories":[2],"tags":[1464],"class_list":["post-37002","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-refinance-student-loans","tag-no-sidebar","when-to-refinance-your-student-loans","post_tag-no-sidebar"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>When to Refinance Student Loans \u2014 Credible<\/title>\n<meta name=\"description\" content=\"Knowing when to refinance your student loans is important. 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