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Find the right student loan refinancing lender for you
Graduate to a better student loan
Refinancing your student loans can save you thousands — either by shrinking your interest rates or tapping into other unique (and sometimes creative) perks. Better yet, it’s free to refinance and you can get prequalified in less than ten minutes.
See the lenders that make the grade
To help you find the right lender, we selected a handful of standouts from our partners.
- Earnest: Borrowers can choose their own monthly payment amount and increase it at any time to become debt-free faster.
- CommonBond: Lets borrowers temporarily pause payments for up to 24 months — longer than most other lenders.
- SoFi: Offers borrowers extra perks like career coaching and no-fee investing.
Lender | Fixed APR | Variable APR | Min credit score | |
|---|---|---|---|---|
 NerdWallet rating | Fixed APR 2.98-5.79% Fixed | Variable APR 1.99-5.64% Variable | Min credit score 650 | on Earnest Student Loan Refinance's website |
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 NerdWallet rating | Fixed APR 2.80-6.00% Fixed | Variable APR 1.89-5.90% Variable | Min credit score 700 | on Laurel Road Student Loan Refinance's website |
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 NerdWallet rating | Fixed APR 2.98-5.79% Fixed | Variable APR 1.99-5.61% Variable | Min credit score 680 | on CommonBond Student Loan Refinance's website |
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 NerdWallet rating | Fixed APR 2.99-6.88% Fixed | Variable APR 2.25-6.43% Variable | Min credit score Does not disclose | on SoFi Student Loan Refinance's website |
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Haven't graduated yet?
If you're still in school, you may need a private student loan to fill a gap in your financial aid package. Compare rates from these top-rated lenders so you can go back to focusing on your degree.
Lender | Fixed APR | Variable APR | Min credit score | |
|---|---|---|---|---|
 NerdWallet rating | Fixed APR 3.34-12.99% Fixed | Variable APR 1.04-11.98% Variable | Min credit score Mid-600s | on College Ave Private Student Loan's website |
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 NerdWallet rating | Fixed APR 4.25-12.59% Fixed | Variable APR 1.13-11.23% Variable | Min credit score Does not disclose | on Sallie Mae Private Student Loan's website |
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 NerdWallet rating | Fixed APR 3.99-11.39% Fixed | Variable APR 1.18-11.11% Variable | Min credit score Does not disclose | on Citizens One Private Student Loan's website |
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