Compare your student loan refi options
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Here are 8 options for you

on lender's secure website

Fixed APR 
3.39-6.69% 
Variable APR 
2.80-6.01% 
MIN. Credit 
680 

on lender's secure website

Rating and review

Qualifications

  • Minimum credit score: 680

  • Eligible loan balances: $15,000 and up (no maximum)

  • Bachelors degree or higher from accredited university required

Available Term Lengths

5, 7, 10, 15, or 20

Pros

  • No fees to apply

  • Low rates compared to other lenders

  • Forbearance available for up to 12 months

  • Willing to go beyond $250,000 loan size maximum

  • Offers referral rewards: when a friend uses a borrower’s referral link and refinances a loan, the borrower gets $400 and their friend gets $100

Cons

  • No co-signer release option

  • Must have at least $15,000 to refinance

on lender's secure website

Fixed APR 
3.67-7.25% 
Variable APR 
2.69-7.43% 
MIN. Credit 
660 

on lender's secure website

Rating and review

Qualifications

  • Minimum credit score: 660

  • Average credit score: 750

  • Eligible loan balances: $5,000-$500,000

  • Bachelors degree or higher from accredited university required

  • Includes autopay discount of 0.25%

Available Term Lengths

5, 7, 10, 15, or 20

Pros

  • No fees to apply

  • Students can refinance parent PLUS loans in their name.

  • Forbearance available for up to 24 months (longer than many lenders allow)

  • Co-signer release available

  • Offers a hybrid rate for a 10-year term: rates are fixed for five years then become variable for five years

  • Social consciousness: For every loan funded, CommonBond will fund the education of a child in need through Pencils of Promise

Cons

  • Only available in 45 states

on lender's secure website

Fixed APR 
3.89-7.89% 
Variable APR 
2.55-6.97% 
MIN. Credit 
650 

on lender's secure website

Rating and review

Qualifications

  • Average credit score: 750

  • Eligible loan balances: $5,000 - no maximum

Available Term Lengths

Flexible from 5 to 20

Pros

  • No fees to apply

  • Borrowers can customize their interest rate and loan term (180 options from 5 to 20 years) with Earnest’s Precision Pricing

  • One of the only lenders that services loans in-house

  • More term length choices than other lenders

  • Option to skip one payment every 12 months and make it up by spreading the amount across remaining payments

Cons

  • Borrowers can’t apply with a co-signer

  • Only available in 45 states and Washington, D.C.

on lender's secure website

Fixed APR 
3.90-8.07% 
Variable APR 
2.54-7.12% 
MIN. Credit 
650 

on lender's secure website

Rating and review

Qualifications

  • Average credit score: 750+

  • Eligible loan balances: $5,000-no max

  • You have graduated with an associates’ degree or higher from a Title IV school

  • Includes autopay discount of 0.25%

  • Includes rates for medical and dental refinancing

Available Term Lengths

5, 7, 10, 15 or 20

Pros

  • No fees to apply

  • Borrowers can refinance a parent PLUS loan in their name

  • Access to perks including career planning, job search assistance and entrepreneurship support

  • 12-months of forbearance

Cons

  • No co-signer release option

on lender's secure website

Fixed APR 
3.49-8.93% 
Variable APR 
2.70-8.96% 
MIN. Credit 
660 

on lender's secure website

Rating and review

Qualifications

  • Minimum income: $24,000

  • Minimum credit score: 660

  • Average credit score: 757

  • Eligible loan balances: $5,000 - $125,000 for undergraduate degrees; up to $250,000 for graduate degrees and $300,000 for medical, dental and veterinary degrees

Available Term Lengths

5, 7, 10, 15 or 20

Pros

  • No fees to apply

  • Offers a quick way to see if you’ll qualify and what rate you’ll get

  • Shares credit score and income requirements

  • Co-signer can come off the loan after 12 on-time payments

  • Services its own loans

  • Those with 15- or 20-year loan terms can make interest-only payments for the first four years

  • Opportunity to borrow from community banks and credit unions

Cons

  • Does not allow borrowers without a degree to refinance

  • Does not allow borrowers with a visa to refinance

  • Does not lend in Nevada, Maine, North Dakota, West Virginia or Rhode Island

  • No payment postponement available if borrowers return to school or serve in the military

on lender's secure website

Fixed APR 
3.50-7.02% 
Variable APR 
3.23-6.65% 
MIN. Credit 
Varies 

on lender's secure website

Rating and review

Qualifications

  • Maximum debt-to-income ratio: 43%

  • Eligible loan balances: $5,000-$300,000

  • Bachelors degree or higher from accredited university required

Available Term Lengths

5, 7, 10, 15, or 20

Pros

  • No fees to apply

  • Borrowers can refinance a parent PLUS loan in their name

  • Forbearance available for up to 12 months

Cons

  • No co-signer release available

on lender's secure website

Fixed APR 
3.75-7.03% 
Variable APR 
3.10-7.84% 
MIN. Credit 
670 

on lender's secure website

Rating and review

Qualifications

  • Minimum income: $42,000 ($25,000 with co-signer)

  • Minimum credit score: 700 (670 with a co-signer)

  • Average credit score: 775

  • Eligible loan balances: $7,500-$300,000

  • Must have graduated with at least a bachelor’s degree

Available Term Lengths

5, 8, 12, 15

Pros

  • No fees to apply

  • Borrowers can refinance a parent PLUS loan in their name

  • Cosigner release policy available

  • Allows married couples to refinance their student loans into a single loan

Cons

  • No formal forbearance policy, says they will work with borrowers with financial hardship

on lender's secure website

Fixed APR 
3.89-9.99% 
Variable APR 
2.98-9.72% 
MIN. Credit 
680 

on lender's secure website

Rating and review

Qualifications

  • Minimum income: $24,000

  • Eligible loan balances: $10,000-$300,000

  • Bachelors degree not required, but borrowers may not be currently enrolled in school

  • Borrowers with bachelor's degrees only must have made 3 full on-time payments on the loans to be refinanced, or 12 full on-time payments if not yet graduated

Available Term Lengths

5, 10, 15 or 20

Pros

  • No fees to apply

  • Borrowers who didn't graduate can refinance

  • Forbearance available for up to 12 months

  • Cosigner release available

  • Loyalty discount: 0.25 percentage points off borrower’s interest rate if the borrower or co-signer has a qualifying account

Cons

  • No flexible repayment options for struggling borrowers

Disclaimers

Annual 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.

1Education Loan Finance

Subject to credit approval. Terms and conditions apply. http://www.elfi.com/terms/

2CommonBond

Offered terms are subject to change. Loans are offered by CommonBond Lending, LLC (NMLS # 1175900). If you are approved for a loan, the interest rate offered will depend on your credit profile, your application, the loan term selected and will be within the ranges of rates shown. All Annual Percentage Rates (APRs) displayed assume borrowers enroll in auto pay and account for the 0.25% reduction in interest rate. All variable rates are based on a 1-month LIBOR assumption of 2.5% effective February 10, 2019.

3Earnest

Specific Annual Percentage Rate (APRs) offered within these ranges will depend on a variety of factors including your creditworthiness and other application details. Annual percentage rates (APRs) reflect 0.25% discount for optional enrollment in autopay. Your approval for an Earnest Loan is subject to the full underwriting of your loan application. Read more about qualifying for a loan with Earnest here: https://www.earnest.com/eligibility.

4SoFi

Fixed rates from 3.899% APR to 8.024% APR (with AutoPay). Variable rates from 2.540% APR to 7.275% APR (with AutoPay). Interest rates on variable rate loans are capped at either 8.95% or 9.95% depending on term of loan. See APR examples and terms. Lowest variable rate of 2.540% APR assumes current 1 month LIBOR rate of 2.49% plus 0.04% margin minus 0.25% ACH discount. Not all borrowers receive the lowest rate. If approved for a loan, the fixed or variable interest rate offered will depend on your creditworthiness, and the term of the loan and other factors, and will be within the ranges of rates listed above. For the SoFi variable rate loan, the 1-month LIBOR index will adjust monthly and the loan payment will be re-amortized and may change monthly. APRs for variable rate loans may increase after origination if the LIBOR index increases. See eligibility details. The SoFi 0.25% AutoPay interest rate reduction requires you to agree to make monthly principal and interest payments by an automatic monthly deduction from a savings or checking account. The benefit will discontinue and be lost for periods in which you do not pay by automatic deduction from a savings or checking account. *To check the rates and terms you qualify for, SoFi conducts a soft credit inquiry. Unlike hard credit inquiries, soft credit inquiries (or soft credit pulls) do not impact your credit score. Soft credit inquiries allow SoFi to show you what rates and terms SoFi can offer you up front. After seeing your rates, if you choose a product and continue your application, we will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit inquiry. Hard credit inquiries (or hard credit pulls) are required for SoFi to be able to issue you a loan. In addition to requiring your explicit permission, these credit pulls may impact your credit score. SoFi rate ranges are current as of March 4, 2019 and are subject to change without notice.

5LendKey

See LendKey's full terms and conditions at https://www.lendkey.com/disclaimers

6Laurel Road

FIXED APR Fixed rate options consist of a range from 3.50% per year to 5.55% per year for a 5-year term, 4.89% per year to 6.00% per year for a 7-year term, 4.99% per year to 6.40% per year for a 10-year term, 5.05% per year to 6.80% per year for a 15-year term, or 5.36% per year to 7.02% per year for a 20-year term, with no origination fees. The fixed interest rate will apply until the loan is paid in full (whether before or after default, and whether before or after the scheduled maturity date of the loan). The monthly payment for a sample $10,000 loan at a range of 3.75% per year to 5.80% per year for a 5-year term would be from $183.04 to $192.40. The monthly payment for a sample $10,000 loan at a range of 5.14% per year to 6.25% per year for a 7-year term would be from $142.00 to $147.29. The monthly payment for a sample $10,000 loan at a range of 5.24% per year to 6.65% per year for a 10-year term would be from $107.24 to $114.31. The monthly payment for a sample $10,000 loan at a range of 5.30% per year to 7.05% per year for a 15-year term would be from $80.65 to $90.16. The monthly payment for a sample $10,000 loan at a range of 5.61% per year to 7.27% per year for a 20-year term would be from $69.41 to $79.16. However, if the borrower chooses to make monthly payments automatically by electronic funds transfer (EFT) from a bank account, the fixed rate will decrease by 0.25%, and will increase back up to the regular fixed interest rate described in the preceding paragraph if the borrower stops making (or we stop accepting) monthly payments automatically by EFT from the designated borrower’s bank account. VARIABLE APR Variable rate options consist of a range from 3.23% per year to 6.05% per year for a 5-year term, 4.60% per year to 6.10% per year for a 7-year term, 4.65% per year to 6.15% per year for a 10-year term, 4.90% per year to 6.40% per year for a 15-year term, or 5.15% per year to 6.65% per year for a 20-year term, with no origination fees. APR is subject to increase after consummation. The variable interest rate will change on the first day of every month (“Change Date”) if the Current Index changes. The variable interest rates are based on a Current Index, which is the 1-month London Interbank Offered Rate (LIBOR) (currency in US dollars), as published on The Wall Street Journal’s website. The variable interest rates and Annual Percentage Rate (APR) will increase or decrease when the 1-month LIBOR index changes. The variable interest rates are calculated by adding a margin ranging from 0.98% to 3.80% for the 5-year term loan, 2.35% to 3.85% for the 7-year term loan, 2.40% to 3.90% for the 10-year term loan, 2.65% to 4.15% for the 15-year term loan, and 2.90% to 4.40% for the 20-year term loan, respectively, to the 1-month LIBOR index published on the 25th day of each month immediately preceding each “Change Date,” as defined above, rounded to two decimal places, with no origination fees. If the 25th day of the month is not a business day or is a US federal holiday, the reference date will be the most recent date preceding the 25th day of the month that is a business day. The monthly payment for a sample $10,000 loan at a range of 3.49% per year to 6.31% per year for a 5-year term would be from $181.87 to $194.77. The monthly payment for a sample $10,000 loan at a range of 4.86% per year to 6.36% per year for a 7-year term would be from $140.68 to $147.82. The monthly payment for a sample $10,000 loan at a range of 4.91% per year to 6.41% per year for a 10-year term would be from $105.63 to $113.09. The monthly payment for a sample $10,000 loan at a range of 5.16% per year to 6.66% per year for a 15-year term would be from $79.92 to $87.99. The monthly payment for a sample $10,000 loan at a range of 5.41% per year to 6.91% per year for a 20-year term would be from $68.28 to $76.99. However, if the borrower chooses to make monthly payments automatically by electronic funds transfer (EFT) from a bank account, the variable rate will decrease by 0.25%, and will increase back up to the regular variable interest rate described in the preceding paragraph if the borrower stops making (or we stop accepting) monthly payments automatically by EFT from the designated borrower’s bank account.

7PenFed

Rates and offers current as March 1, 2019. Annual Percentage Rate (APR) is the cost of credit calculating the interest rate, loan amount, repayment term and the timing of payments. Fixed Rates range from 3.75% APR to 7.03% APR and Variable Rate range from 3.10% APR to 7.84%. Both Fixed and Variable Rates will vary based on application terms, level of degree and presence of a co-signer. These rates are subject to additional terms and conditions and rates are subject to change at any time without notice. For Variable Rate student loans, the rate will never exceed 9.00% for 5 year and 8 year loans and 10.00% for 12 and 15 years loans (the maximum allowable for this loan). Minimum variable rate will be 2.00%.These rates are subject to additional terms and conditions, and rates are subject to change at any time without notice. Such changes will only apply to applications taken after the effective date of change.This credit union is federally insured by the National Credit Union Administration.

8Citizens One

Variable rate, based on the one-month London Interbank Offered Rate ("LIBOR") published in The Wall Street Journal on the twenty-fifth day, or the next business day, of the preceding calendar month. As of March 1, 2019, the one-month LIBOR rate is 2.48%. Variable interest rates range from 2.98%-9.72% (2.98%-9.72% APR) and will fluctuate over the term of the borrower's loan with changes in the LIBOR rate, and will vary based on applicable terms, level of degree earned and presence of a co-signer. Fixed interest rates range from 3.89%-9.99% (3.89%-9.99% APR) based on applicable terms, level of degree earned and presence of a co-signer. Lowest rates shown are for eligible, creditworthy applicants with a graduate level degree, require a 5-year repayment term and include our Loyalty discount and Automatic Payment discounts of 0.25 percentage points each, as outlined in the Loyalty and Automatic Payment Discount disclosures. The maximum variable rate on the Education Refinance Loan is the greater of 21.00% or Prime Rate plus 9.00%. Subject to additional terms and conditions, and rates are subject to change at any time without notice. Such changes will only apply to applications taken after the effective date of change. Please note: Due to federal regulations, Citizens Bank is required to provide every potential borrower with disclosure information before they apply for a private student loan. The borrower will be presented with an Application Disclosure and an Approval Disclosure within the application process before they accept the terms and conditions of their loan.