HAVE FEDERAL STUDENT LOANS? THINK BEFORE YOU REFINANCEWeigh potential loan forgiveness in your decision. Keep up with the latest.
Compare your student loan refi options for credit in
Last updated on October 1, 2024
Fact Checked
Top Student Loan Refinance Lenders
Ad
Earnest Student Loan Refinance
Fixed APR
4.45-9.99%
Variable APR
5.88-9.99%
Min. credit score
665
on Earnest's website
SoFi® Student Loan Refinancing
Fixed APR
4.24-9.99%
Variable APR
5.99-9.99%
Min. credit score
650
on NerdWallet
Undergraduate
NerdWallet is committed to editorial integrityMany or all of the products on this page are from partners who compensate us when you click to or take an action on their website, but this does not influence our evaluations or ratings. Our opinions are our own. Here is a list of our partners.
Here are 5 options for you
on Earnest's website
5 to 20 yearsProson Earnest's website
on NerdWallet
5, 7, 10, 15 or 20 yearsProson NerdWallet
on NerdWallet
5, 7, 10, 15 or 20 yearsProson NerdWallet
on NerdWallet
5, 7, 10, 15 or 20 yearsProson NerdWallet
on NerdWallet
5 to 25 yearsProson NerdWallet
FIXED APR
4.45-9.99%
VARIABLE APR
5.88-9.99%
MIN. CREDIT SCORE
665
Check Rate
on Earnest's website
Rating and review
Qualifications- Typical credit score of approved borrowers or co-signers: 760.
- Loan amounts: $5,000 to $500,000.
- Must have a degree: No, but must be within six months of graduation and have income or a job.
5 to 20 yearsPros
- Customizable payments and loan terms.
- Option to skip one payment every 12 months.
- You can see if you’ll qualify and what rate you’ll get without a hard credit check.
- Loans aren't available in Nevada.
Check Rate
on Earnest's website
FIXED APR
4.45-9.99%
VARIABLE APR
5.88-9.99%
MIN. CREDIT SCORE
665
Qualifications
5 to 20 years
- Typical credit score of approved borrowers or co-signers: 760.
- Loan amounts: $5,000 to $500,000.
- Must have a degree: No, but must be within six months of graduation and have income or a job.
5 to 20 years
Pros
- Customizable payments and loan terms.
- Option to skip one payment every 12 months.
- You can see if you’ll qualify and what rate you’ll get without a hard credit check.
- Loans aren't available in Nevada.
FIXED APR
4.24-9.99%
VARIABLE APR
5.99-9.99%
MIN. CREDIT SCORE
650
Read Review
on NerdWallet
Rating and review
Qualifications- Typical credit score of approved borrowers or co-signers: 700+.
- Loan amounts: $5,000, up to your total outstanding loan balance.
- Must have a degree: Yes, an associate degree or higher.
5, 7, 10, 15 or 20 yearsPros
- You can see if you’ll qualify and what rate you’ll get without a hard credit check.
- Dedicated Student Loan Debt Specialist available for borrowers.
- No co-signer release available.
- Loan size minimum is higher than most lenders.
Read Review
on NerdWallet
FIXED APR
4.24-9.99%
VARIABLE APR
5.99-9.99%
MIN. CREDIT SCORE
650
Qualifications
5, 7, 10, 15 or 20 years
- Typical credit score of approved borrowers or co-signers: 700+.
- Loan amounts: $5,000, up to your total outstanding loan balance.
- Must have a degree: Yes, an associate degree or higher.
5, 7, 10, 15 or 20 years
Pros
- You can see if you’ll qualify and what rate you’ll get without a hard credit check.
- Dedicated Student Loan Debt Specialist available for borrowers.
- No co-signer release available.
- Loan size minimum is higher than most lenders.
FIXED APR
4.89-9.04%
VARIABLE APR
5.54-9.12%
MIN. CREDIT SCORE
680
Read Review
on NerdWallet
Rating and review
Qualifications- Typical credit score of approved borrowers or co-signers: 751.
- Loan amounts: $5,000 to $300,000, depending on the higest degree earned.
- Must have a degree: Yes, at least an associate degree.
5, 7, 10, 15 or 20 yearsPros
- Forbearance of 18 months for 15- and 20-year loan terms is longer than many lenders.
- You can see if you’ll qualify and what rate you’ll get without a hard credit check.
- Loans aren't available in Maine, Nevada, North Dakota, Rhode Island or West Virginia.
Read Review
on NerdWallet
FIXED APR
4.89-9.04%
VARIABLE APR
5.54-9.12%
MIN. CREDIT SCORE
680
Qualifications
5, 7, 10, 15 or 20 years
- Typical credit score of approved borrowers or co-signers: 751.
- Loan amounts: $5,000 to $300,000, depending on the higest degree earned.
- Must have a degree: Yes, at least an associate degree.
5, 7, 10, 15 or 20 years
Pros
- Forbearance of 18 months for 15- and 20-year loan terms is longer than many lenders.
- You can see if you’ll qualify and what rate you’ll get without a hard credit check.
- Loans aren't available in Maine, Nevada, North Dakota, Rhode Island or West Virginia.
Best for faster repayment options
FIXED APR
4.88-8.44%
VARIABLE APR
4.74-8.24%
MIN. CREDIT SCORE
680
Read Review
on NerdWallet
Rating and review
Qualifications- Typical credit score of approved borrowers or co-signers: 774.
- Loan amounts: $10,000 up to your total outstanding loan balance.
- Must have a degree: Yes, at least a bachelor’s degree.
5, 7, 10, 15 or 20 yearsPros
- You are assigned a student loan advisor.
- You can refinance parent PLUS loans in your name.
- Payment postponement isn’t available for borrowers who return to school.
- The minimum amount to refinance is more than many lenders require.
- No co-signer release available.
Read Review
on NerdWallet
FIXED APR
4.88-8.44%
VARIABLE APR
4.74-8.24%
MIN. CREDIT SCORE
680
Qualifications
5, 7, 10, 15 or 20 years
- Typical credit score of approved borrowers or co-signers: 774.
- Loan amounts: $10,000 up to your total outstanding loan balance.
- Must have a degree: Yes, at least a bachelor’s degree.
5, 7, 10, 15 or 20 years
Pros
- You are assigned a student loan advisor.
- You can refinance parent PLUS loans in your name.
- Payment postponement isn’t available for borrowers who return to school.
- The minimum amount to refinance is more than many lenders require.
- No co-signer release available.
FIXED APR
4.25-10.24%
VARIABLE APR
4.86-10.24%
MIN. CREDIT SCORE
650
Read Review
on NerdWallet
Rating and review
Qualifications- Typical credit score of approved borrowers or co-signers: Did not disclose.
- Loan amounts: $5,000 to $500,000.
- Must have a degree: Yes, a bachelor’s degree or higher.
5 to 25 yearsPros
- Select from multiple repayment options.
- You can see if you’ll qualify and what rate you’ll get without a hard credit check.
- Loan features vary by lender.
- Forbearance and death discharge may not be available.
- You may need to become a member of a credit union to qualify.
Read Review
on NerdWallet
FIXED APR
4.25-10.24%
VARIABLE APR
4.86-10.24%
MIN. CREDIT SCORE
650
Qualifications
5 to 25 years
- Typical credit score of approved borrowers or co-signers: Did not disclose.
- Loan amounts: $5,000 to $500,000.
- Must have a degree: Yes, a bachelor’s degree or higher.
5 to 25 years
Pros
- Select from multiple repayment options.
- You can see if you’ll qualify and what rate you’ll get without a hard credit check.
- Loan features vary by lender.
- Forbearance and death discharge may not be available.
- You may need to become a member of a credit union to qualify.
DisclaimersAnnual Percentage Rates (APR), loan term and monthly payments are estimated based on analysis of information provided by you, data provided by lenders, and publicly available information. All loan information is presented without warranty, and the estimated APR and other terms are not binding in any way. Lenders provide loans with a range of APRs depending on borrowers' credit and other factors. Keep in mind that only borrowers with excellent credit will qualify for the lowest rate available. Your actual APR will depend on factors like credit score, requested loan amount, loan term, and credit history. All loans are subject to credit review and approval.