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Pay Less on Student Loans. Get More out of Life.

Compare prequalified refinancing rates from up to 11 lenders without affecting your credit score. 100% free!

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  • Lenders & Rates
  • Eligible Loans
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Advantage
Education Loans
Rates from (APR)
Fixed: 4.34%
Loan term

10, 15, 20 yrs

Eligible degrees

Undergrad & Graduate

Brazos
Rates from (APR)
Fixed: 3.15%Variable: 2.92%
Loan term

5, 7, 10, 15, 20 yrs

Eligible degrees

Undergrad & Graduate

Citizens Bank
Rates from (APR)
Fixed: 3.50%1Variable: 2.62%1
Loan term

5, 10, 15, 20 yrs1

Eligible degrees

Undergrad & Graduate

College Ave
Rates from (APR)
Fixed: 3.25%2Variable: 2.75%2
Loan term

5 - 15 yrs2

Eligible degrees

Undergrad & Graduate

Connext
Rates from (APR)
Fixed: 4.25%Variable: 3.97%
Loan term

5, 10, 15, 20 yrs

Eligible degrees

Undergrad & Graduate

Earnest
Rates from (APR)
Fixed: 3.25%Variable: 2.57%
Loan term

5 - 20 yrs

Eligible degrees

Undergrad & Graduate

EDvestinU
Rates from (APR)
Fixed: 4.69%Variable: 4.74%
Loan term

10, 15, 20 yrs

Eligible degrees

Undergrad & Graduate

iHELP
Rates from (APR)
Fixed: 4.75%Variable: 4.63%
Loan term

10, 15, 20 yrs

Eligible degrees

Undergrad & Graduate

MEFA
Rates from (APR)
Fixed: 4.95%Variable: 4.77%
Loan term

15 yrs

Eligible degrees

Undergrad & Graduate

PenFed
Rates from (APR)
Fixed: 3.50%Variable: 3.56%
Loan term

5, 8, 12, 15 yrs

Eligible degrees

Undergrad & Graduate

RISLA
Rates from (APR)
Fixed: 3.49%
Loan term

5, 10, 15 yrs

Eligible degrees

Undergrad & Graduate

Splash Financial
Rates from (APR)
Fixed: 3.25%3
Loan term

5, 7, 10, 15, 20 yrs3

Eligible degrees

Graduate

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1Citizens Bank Disclosures
2College Ave Disclosures
3Splash Financial Disclosures
  • Federal Student Loans

    Our lenders can refinance some or all of your federal student loans into a private loan.

  • Private Student Loans

    Lenders also refinance private student loans from banks, credit unions or schools.

  • ParentPLUS loans

    If you took out ParentPLUS loans for a student, you can refinance them through Credible.

  • Service fee

    Using Credible is 100% free. Get your actual rates and amazing customer support.

  • Origination fee

    None of our partner lenders charge loan origination fees when you refinance.

  • Prepayment penalty

    There's no prepayment penalty if you'd like to pay off your loans faster.

Customers rate us 9.5/10
Credible in the news

Refinancing through Credible, Colleen cut her federal
student loan interest rates that ranged between
6-8% down to 4.5%, saving $12,000
over the life of her loan.

Now let us help you. Get started today.
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