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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.
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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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