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REFINANCE STUDENT LOANS

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5,321 reviews on
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Federal loan forgiveness plans and payment pause have been extended into 2023. Read our guide

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COMPARE TOP LENDERS

How to Refinance Your Student Loans Through Credible

1
1
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
2
2
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 estimates
* Actual results may vary
3
3
Provide your loan details (3 mins)
  • Use our easy import tools to add the loans you want to refinance
  • Provide some additional details about yourself
  • Get your final offer in as little as 1 business day
Join thousands of others who have already saved by refinancing.

Compare Options for Student Loan Consolidation and Refinancing

  • Lenders & Rates
  • Eligible Loans
  • 100% Free
LenderRates From (APR)
Brazos
Fixed:
4.40%
Variable:
4.67%
Citizens
Fixed:
5.39%1
Variable:
5.39%1
College Ave
Fixed:
5.99%2
Variable:
5.99%2
EDvestinU
Fixed:
7.41%3
Variable:
7.39%3
ELFI
Fixed:
5.08%4
Variable:
4.53%4
INvestEd
Fixed:
5.61%5
Variable:
6.61%5
ISL Education Lending
Fixed:
6.94%6
Variable:
N/A
LendKey
Fixed:
4.49%
Variable:
4.76%
MEFA
Fixed:
5.50%
Variable:
N/A
RISLA
Fixed:
5.29%
Variable:
N/A
All APRs reflect all applicable discounts where available
View disclosures: 
4.  ELFI
6.  
ISL Education Lending
  • 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.

  • Parent PLUS Loans

    If you took out Parent PLUS 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.

See personalized rates from multiple lenders in 2 minutes.
See My Rate
Checking rates won’t affect your credit
What Our Users Are Saying
One Stop Shop
It was very easy to get a range of offers on student loan refinancing. I'm trying to rebuild my credit and after a dozen "no" answers credible got me several offers…
See Cassandra’s review on Trustpilot
Amazing
Amazing! I wished I went to this site sooner, lead me to the loans with the lowest rates, I was able to pick which one is best for me. Thanks Credible!
See K.G's review on Trustpilot
Winning situation
After my son used Credible to refinance his school loans, I decided to attempt refinancing my parent loans through them. I am very thankful for the opportunity to refinance my loans...
See Betty's review on Trustpilot

Student Loan Refinance FAQs

By Jamie Young

Written by

Jamie Young

Student Loans Editor

Jamie Young is a Credible authority on personal finance. Her work has appeared on some of the best-known media outlets including Time, CBS News, Huffington Post, Business Insider, AOL, MSN, and more.

Time MagazineCBSHuff Post
& Matt Carter