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Money Answers Recommended Student Loan Refinancing Solution

Apply through this page to get your $200 bonus when you refinance

Student Loan Refinancing Made Easy

This will not affect your credit score

Real rates - not ranges - from multiple lenders in 2 minutes.

How Credible Works

Credible is an online marketplace that provides borrowers with competitive,

personalized loan offers from multiple, vetted lenders in real time.

Choose Your Option

One Simple Form

See Personalized Rates

Safe and secure - no sharing of your personal data.

Our expert Client Success Team is here to help you along the way.

5 Minutes

Request personalized offers in 3 easy steps

Receive personalized offers from multiple lenders. Select the one that's right for you.

Choose a lender and provide a bit more information so your rates can be finalized.

1

Answer a few quick questions to request rates from multiple lenders. This won't impact your credit score.

Request 

prequalified rates

Select your 

preferred lender

2 Minutes

Choose 

the best offer

3

2

2 Business Days

Compare comprehensive options

from our partner lenders

Eligible degrees

Variable: 2.85%

All APRs reflect autopay and loyalty discounts where available

See personalized rates from multiple lenders in 2 minutes

Undergrad & Graduate

Checking rates will not affect your credit score

Variable: 2.75%

PenFed

Earnest

Undergrad & Graduate

Rates from (APR)

Loan term

Fixed: 3.25%

Variable: 3.97%

Variable: 2.57%

Rates from (APR)

Loan term

5 - 20 yrs

Undergrad & Graduate

Eligible degrees

4

Undergrad & Graduate

Loan term

5, 10, 15, 20 yrs

EDvestinU

1

Rates from (APR)

Rates from (APR)

Fixed: 4.69%

Eligible degrees

Variable: 4.65%

Rates from (APR)

Loan term

5, 10, 15, 20  yrs

10, 15, 20 yrs

Eligible degrees

Loan term

Undergrad & Graduate

4

Rates from (APR)

iHELP

5 - 15 yrs

Rates from (APR)

2

Fixed: 4.75%

1

Variable: 4.63%

2

Loan term

Fixed: 3.50%

10, 15, 20 yrs

Eligible degrees

Eligible degrees

Loan term

Undergrad & Graduate

Eligible degrees

1

MEFA

1

Rates from (APR)

Brazos

Fixed: 4.95%

Fixed: 3.15%

Variable: 4.70%

10, 15, 20, 25 yrs

Loan term

Undergrad & Graduate

15 yrs

Eligible degrees

Fixed: 4.25%

Undergrad & Graduate

Loan term

Eligible degrees

RISLA

Connext

Rates from (APR)

Splash Financial

Fixed: 3.49%

Fixed: 3.25%

Loan term

5, 7, 10, 15, 20 yrs

5, 10, 15 yrs

Graduate

Eligible degrees

4

Undergrad & Graduate

College Ave

Fixed: 3.25%

Advantage Education Loans

Loan term

Rates from (APR)

Eligible degrees

Fixed: 4.34%

2

Loan term

2

10, 15, 20 yrs

Eligible degrees

Undergrad & Graduate

Citizens Bank

Rates from (APR)

Rates from (APR)

Variable: 3.48%

Fixed: 3.50%

5, 8, 12, 15 yrs

Variable: 2.90%

Undergrad & Graduate

Join thousands of others who have already

saved by refinancing

Customers rate us 9.5/10

No filling out duplicate forms with different lenders.

We offer many benefits for graduates looking

to refinance

Safe and secure

Requesting offers can take just minutes and costs you nothing.

Personalized offers 

from top lenders

Compare many 

options in one place

Reduce your rate, lower your payments, repay faster. You choose.

Simple and free 

process


Refinance federal and private student loans

You decide which loans to refinance. Consolidate some or all of your student loan debt into a single payment.

Save thousands by refinancing

Average user saves $13,928 by refinancing through Credible.

Bank-grade encryption, SSL technology and other measures keep your data secure. Learn more

Private Student Loan

Save time and money by refinancing your student loans

Student Loan Refinancing

Refinance federal, private and ParentPLUS loans

Request a private student loan as a student or co-signer

Lower your interest rate or reduce your monthly payment

Private loans for college, graduate and professional degrees

Cover 100% of your school-certified costs after financial aid

Average user saves $18,668 when refinancing through our

partner lenders

Flexible repayments: deferred, interest only, and many others for all financial needs

Our Client Success Team is always here to help

Have any questions? We are only a call, email, or chat away.