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We're here to help you refinance your student loans.

NerdWallet and Ready4 have teamed up to help you compare your student loan refinance options. Read on to learn more about refinancing and NerdWallet and how to apply when you're ready.

NerdWallet has compared some of the top lenders to save you time finding the lowest rate you’ll qualify for.

To qualify, you need credit in the mid-600s or higher and a steady income, or access to a co-signer. Student loan refinancing is not the same as federal consolidation. Learn more on our refinance FAQ page.

The best refinance lender for you depends on your priorities. Borrowers often look for the lowest interest rate possible, but it’s worth checking out the various features each lender offers. See our reviews for the full details.

Student loan refinance options

Lender APR ranges* Average
credit
score
Eligible loan balances NerdWallet review
*All APR ranges include a 0.25% autopay discount if available. See additional offer disclosures below.
SoFi logo

Fixed:
3.35% to 6.74

Variable:
2.79% to 6.72%

750+ $5,000 up to the full balance of your student loans SoFi review

CommonBond

Fixed:
3.35% to 6.74%

Variable:
2.79% to 6.72%

Hybrid:
3.82% to 6.37%

750+ $5,000 to $500,000 CommonBond review
Earnest logo

Fixed:
3.35% to 6.49%

Variable:
2.79% to 6.46%

700+ $5,000 to $500,000 Earnest review

Fixed:
3.50% to 7.28
770 $7,500 to $150,000 Purefy review
DRB logo

Fixed:
4.20% to 7.20%

Variable:
3.76% to 6.42%

750+ $5,000 up to the full balance of your student loans Laurel Road review
Elfi logo

Fixed:
3.19% to 6.69%

Variable:2.39-6.01%

$15,000 to $250,000 Elfi review

Citizens Bank

Fixed:
3.74% to 8.24%

Variable:
2.77% to 8.62%

781 Undergrads: $10,000 to $150,000 Citizens Bank review

Why use NerdWallet

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Save money

Read our articles below and learn all you need to know to save money through refinancing.

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Compare options

Our tools offer an impartial look at student loan refinancing lenders to help you choose the offer that’s best for you.

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Get expert advice

NerdWallet gives you the guidance you need to finance your education and pay back your student loans.


Learn more about student loan refinancing