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8 Best Loans for Refinancing Student Loans Without a Cosigner

You’ll generally need good to excellent credit and stable income to qualify for refinancing without a cosigner.

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By Emily Guy Birken

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Emily Guy Birken

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Emily Guy Birken is an authority on student loans and personal finance. Her work has been featured by Forbes, USA Today, Fox Business, MSN Money, and MarketWatch.

Edited by Alicia Hahn

Written by

Alicia Hahn

Writer

Alicia Hahn has spent more than seven years covering personal finance. Her byline has been featured by the New York Post, NewsBreak, Fox Business, and Yahoo Finance.

Updated April 1, 2024

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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Refinancing your student loans with a cosigner could improve your approval chances as well as possibly get you a lower interest rate than you’d get on your own.

However, you don’t have to refinance with a cosigner if you meet the lender’s underwriting criteria on your own.

Best lenders for refinancing without a cosigner

If you’re thinking about refinancing your student loans without a cosigner, it’s important to compare as many lenders as possible first. This way, you can find the right loan for your situation.

Keep in mind: You’ll generally need good to excellent credit to get approved for refinancing — especially if you don’t have a cosigner. A good credit score is usually considered to be 700 or higher.

There are also some lenders that offer student loan refinancing for bad credit. But these loans typically come with higher interest rates compared to good credit loans.

Here are Credible’s partner lenders that don’t require a cosigner for refinancing:

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