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Student Loan Refinance:
Resources & Lender Reviews

Student loan refinancing allows qualified borrowers to adjust the interest rate and repayment terms on their private and federal student loans by taking out a new loan that pays off their existing debt.

Student loan refinancing lender reviews

Check out our reviews of Credible's student loan refinancing partner lenders to help you make an educated choice. Read our full student loan refinance lender methodology.

4.4
A full star A full star A full star A full star A half star
Credible Rating
Question mark icon to show more information Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. Read our full methodology.

Brazos can be a good choice if you live in Texas, have finished your degree, and have good credit.

3.7
A full star A full star A full star A half star An empty star
Credible Rating
Question mark icon to show more information Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. Read our full methodology.

Citizens offers student loan refinancing even if you didn’t graduate, as well as private student loans.

4.4
A full star A full star A full star A full star A half star
Credible Rating
Question mark icon to show more information Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. Read our full methodology.

College Ave offers flexible loan terms so your monthly payments can stay within budget.

3.8
A full star A full star A full star A three-quarter star An empty star
Credible Rating
Question mark icon to show more information Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. Read our full methodology.

EDvestinU offers student loan refinancing with a wide range of loan terms, as well as private student loans.

4.4
A full star A full star A full star A full star A half star
Credible Rating
Question mark icon to show more information Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. Read our full methodology.

ELFI has no set maximum, so you can refinance bigger loan balances.

3.1
A full star A full star A full star An empty star An empty star
Credible Rating
Question mark icon to show more information Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. Read our full methodology.

INvestEd offers student loan refinancing even if you didn’t graduate, as well as private student loans for students living or going to college in Indiana.

4.6
A full star A full star A full star A full star A half star
Credible Rating
Question mark icon to show more information Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. Read our full methodology.

LendKey partners with community banks and credit unions that offer student loan refinancing.

4.0
A full star A full star A full star A full star An empty star
Credible Rating
Question mark icon to show more information Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. Read our full methodology.

MEFA offers student loan refinancing to borrowers whether they completed their degree or not and private student loans with fixed rates.

3.7
A full star A full star A full star A half star An empty star
Credible Rating
Question mark icon to show more information Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. Read our full methodology.

RISLA student loan refinancing offers competitive rates and income-based repayment for borrowers facing financial hardships.

How to refinance your student loans

Your first step is to compare lender rates and terms to choose the best refinancing lender for your situation.

How to pay off student loans

The most effective way to pay off your student loans is to pay more than the minimum payment whenever you can.

Compare lenders by loan type

No matter which student loans you have (or how much you're in debt), you can usually find a lender who can help you refinance.

Student loan forgiveness by profession

There are many student loan forgiveness and repayment assistance programs available, depending on your job type.

Student loan repayment plans

Whether you want to reduce your monthly payment, pay less interest, or qualify for loan forgiveness — there are many different repayment plans to choose from.

What you should know about student loan refinancing

Check out more of our articles on student loan refinancing, so you're prepared when it comes to your student loans.