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Best Student Loan Refinance Companies of 2025

Before you refinance your student loans, compare top lenders to find the best option for your needs.

Author
By Emily Guy Birken

Written by

Emily Guy Birken

Freelance writer

Emily Guy Birken is an authority on student loans and personal finance. Her work has been featured by MSN Money and MarketWatch.

Edited by Richard Richtmyer

Written by

Richard Richtmyer

Senior editor

Richard Richtmyer is a senior editor with over 20 years of finance experience. He's an expert on student loans, capital markets, investing, real estate, technology, business, government, and politics.

Updated January 24, 2025

Editorial disclosure: Our goal is to give you the tools and confidence you need to improve your finances. Although we receive compensation from our partner lenders, whom we will always identify, all opinions are our own. Credible Operations, Inc. NMLS # 1681276, is referred to here as “Credible.”

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If you’re having trouble managing your student loans, refinancing them could make things easier. 

Depending on your existing debt and credit, you might qualify for lower rates or a different repayment term — both of which could lower your monthly payments or save you in interest fees. In addition, you can combine several loans into one, streamlining your payments and making it easier to track your debt payoff. 

Compare student loan refinancing rates

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All APRs reflect autopay and loyalty discounts where available | SoFi Disclosures | Read more about Rates and Terms | Terms of Service | Privacy Policy

Best student loan refinancing lenders

Every refinancing lender uses its own methods to determine whether you qualify for a loan and what rates you’re eligible for. That’s why comparison shopping is so vital — you’ll likely receive different terms from each lender you prequalify with. Check out Credible's partner lenders below.

Member perks

SoFi

SoFi

4.5

Credible Rating

Check Rates

on Credible’s website

Min. Credit Score

650

Fixed APR

- 1

Variable APR

- 1

Loan Amount

$5,000 up to the full balance

Term

5, 7, 10, 15, 20

Pros and cons

More details

Current account holders

Citizens

Citizens

4.7

Credible Rating

Check Rates

on Credible’s website

Min. Credit Score

Does not disclose

Fixed APR

5.89 -

Variable APR

6.16 -

Loan Amount

$10,000 - $750,000

Term

5, 7, 10, 15, 20

Pros and cons

More details

High balances

ELFI

ELFI

4.4

Credible Rating

Check Rates

on Credible’s website

Min. Credit Score

680

Fixed APR

4.88 -

Variable APR

4.86 -

Loan Amount

$10,000 up to total refinance amount

Term

5, 7, 10, 12, 15, 20

Pros and cons

More details

Nonprofit lender

EDvestinU

EdvestinU

3.8

Credible Rating

Check Rates

on Credible’s website

Min. Credit Score