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REFINANCE STUDENT LOANS
Written by
Jamie Young
Student Loan 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.
Written by
Student Loans Editor
Matt Carter is a writer and editor for Credible. His work has been featured by CNBC, CNN Money, Consumer Reports, Money, USA Today, The New York Times, The Wall Street Journal, The Washington Post, and more.
Written by
Student Loans Editor
Dennis Wentworth is a Credible student loan expert with more than 30 years experience in the industry. Prior to joining Credible, he headed up national sales teams for Sallie Mae, Next Generation Insurance and Ascent Student Loans.
Updated March 25, 2023
Federal loan forgiveness plans and payment pause have been extended into 2023. Read our guide
COMPARE TOP LENDERS
How to Refinance Your Student Loans Through Credible
- 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
- 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
- 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
Compare Options for Student Loan Consolidation and Refinancing
- Lenders & Rates
- Eligible Loans
- 100% Free
| Lender | Rates 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 |
- 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.
Student Loan Refinance FAQs
Written by
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.