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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.

Lender

Fixed APR

Variable APR

Min credit score

NerdWallet rating

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Fixed APR

3.19-6.43%

Fixed

Variable APR

1.99-6.43%

Variable

Min credit score

650

on Earnest Student Loan Refinance's website

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NerdWallet rating

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Fixed APR

3.20-7.02%

Fixed

Variable APR

1.99-6.65%

Variable

Min credit score

700

on Laurel Road Student Loan Refinance's website

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NerdWallet rating

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Fixed APR

3.19-6.43%

Fixed

Variable APR

3.20-6.08%

Variable

Min credit score

680

on CommonBond Student Loan Refinance's website

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NerdWallet rating

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Fixed APR

3.20-6.44%

Fixed

Variable APR

2.99-6.44%

Variable

Min credit score

Does not disclose

on SoFi Student Loan Refinance's website

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See why the lenders make the grade

  • 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.

Start saving (a ton) on your student loans.