Best Student Loan Refinancing Providers

Best-of-the-Best Student Loan Refi Lenders

We spent countless hours reviewing and comparing lenders — many of them are our partners — before selecting the best. Our review process takes into account multiple data points across several categories, including repayment options, customer service, lender transparency, loan eligibility and more.

Best Refinancing Lenders: Overall

These lenders offer unique perks, competitive interest rates and a superior underwriting approach.

Lender	Fixed APR	Variable APR	Min credit score
NerdWallet rating Show Details	Fixed APR 4.89-9.74% Fixed	Variable APR 5.89-9.74% Variable	Min credit score 650	Apply now on Earnest Student Loan Refinance's website

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NerdWallet rating Show Details	Fixed APR 4.99-9.99% Fixed	Variable APR 6.24-9.99% Variable	Min credit score 650	Apply now on SoFi Parent PLUS Refinancing's website

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Best Refinancing Lenders: Fast Payoff

These standout lenders offer compelling payment options in addition to perks that set them apart from the competition.

Lender	Fixed APR	Variable APR	Min credit score
NerdWallet rating Show Details	Fixed APR 4.99-9.99% Fixed	Variable APR 6.24-9.99% Variable	Min credit score 650	Apply now on SoFi Parent PLUS Refinancing's website

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NerdWallet rating Show Details	Fixed APR 4.89-9.74% Fixed	Variable APR 5.89-9.74% Variable	Min credit score 650	Apply now on Earnest Student Loan Refinance's website

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NerdWallet rating Show Details	Fixed APR 5.94-8.95% Fixed	Variable APR 7.60-7.85% Variable	Min credit score 650	Apply now on Splash Financial Student Loan Refinance's website

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Best Refinancing Lenders: Customer Service

With outstanding in-house customer service teams and personalized service, these rise above the rest.

Lender	Fixed APR	Variable APR	Min credit score
NerdWallet rating Show Details	Fixed APR 7.74-9.93% Fixed	Variable APR 0.00-0.00% Variable	Min credit score 670	Apply now on PenFed Student Loan Refinance's website

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NerdWallet rating Show Details	Fixed APR 4.84-8.69% Fixed	Variable APR 5.28-8.99% Variable	Min credit score 680	Apply now on Education Loan Finance Student Loan Refinance's website

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NerdWallet rating Show Details	Fixed APR 5.94-8.95% Fixed	Variable APR 7.60-7.85% Variable	Min credit score 650	Apply now on Splash Financial Student Loan Refinance's website

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