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First Republic Bank stopped offering its dedicated student loan refinancing program in May 2020. It now offers a personal line of credit — a type of personal loan you can use to pay off student loans, as well as car loans and credit card debt.
The bank will continue to service its existing refinanced student loans. Historically, First Republic Bank offered fixed-rate student loan refinancing to very well-qualified borrowers — those with excellent credit scores and robust savings. Those who met First Republic’s requirements could benefit from low rates and access to a dedicated relationship manager.
Personalized service was a differentiator for First Republic's student loan refinancing, and the bank still prides itself on relationship-based service for its new personal line of credit product.
First Republic does business in seven states: California, Oregon, Massachusetts, Florida, Connecticut, New York and Wyoming.
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