REFINANCE STUDENT LOANS

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!

How to Refinance Your Student Loans with Credible

Fill out a quick simple form (2 mins)

  • One form to access options from top lenders
  • Checking your rates won't affect your credit score
  • Your information is not shared with lenders at this point

Choose an option you like (2 mins)

  • Easily compare your prequalified options in one place
  • Use our comprehensive tools to quickly find a plan for you
  • Get actual rates based on your credit profile, no ranges or estimates
  • 30 second quick request makes the process a breeze

Provide your loan details (3 mins)

  • Use our automated tool to easily import your loan information
  • Provide some additional details about yourself
  • Our Client Success Team is here to help you along the way
  • Get your finalized offer in 1 business day
Join thousands of others who have already saved by refinancing.

Compare options for student loan refinancing and consolidation

  • Lenders & Rates
  • Eligible Loans
  • 100% Free
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: 3.02%
Loan term

5, 7, 10, 15, 20 yrs

Eligible degrees

Undergrad & Graduate

Citizens Bank
Rates from (APR)
Fixed: 3.75%1Variable: 2.57%1
Loan term

5, 10, 15, 20 yrs1

Eligible degrees

Undergrad & Graduate

College Ave
Rates from (APR)
Fixed: 3.25%2Variable: 2.88%2
Loan term

5 - 15 yrs2

Eligible degrees

Undergrad & Graduate

Earnest
Rates from (APR)
Fixed: 3.89%Variable: 2.47%
Loan term

5 - 20 yrs

Eligible degrees

Undergrad & Graduate

EDvestinU
Rates from (APR)
Fixed: 4.69%Variable: 4.85%
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: 4.45%Variable: 4.39%
Loan term

10, 15 yrs

Eligible degrees

Undergrad & Graduate

PenFed
Rates from (APR)
Fixed: 3.25%Variable: 2.69%
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

See personalized rates from multiple lenders in 2 minutes
See My RatesChecking rates won't affect your credit
All APRs reflect autopay and loyalty discounts where available
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.

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.
Get Started