Student Loan Refinance Rates | Refinance Your Student Loans

Because everyone can use some extra cash^†

Refinancing for students

Simplify and save. Take student loans off your mind to focus more on what's next.

Save $4,248/year on average.^†

Refinancing for parents

Consolidate Federal Direct PLUS^† and private student loans into one simple, affordable payment.

Refinancing for medical residents

With limited monthly payments, you can still enjoy life while training to save others.

Pay just $100/month while in residency.^†

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Keep in mind

Refinancing isn’t the only way to reduce your student loan debt. If you have federal student loans, check to see if you’re qualified for available forgiveness programs. A refinanced student loan^† would mean you’d no longer be eligible for these kinds of benefits. Be sure to weigh your options, and do what’s right for you.

We make it easy to save on your student loans, so you’re free to do more of what you love.

Serious savings

No hidden fees or costs

No app fees, origination fees or prepayment penalties here. We're all savings, no surprises.

Expert guidance

Get help picking the right loan for you - and way more refi guidance - 7 days/week.

Flexible offers

Decide whether to save time, money or both with low rates and flexible terms.

Credit-friendly quotes

Find out if you qualify - and get your personalized rate - with no impact on your credit score.^†

Totally online

Apply online in minutes. Sign docs on your phone.^† It's 100% online and 100% easy.

Here's how it works.

1

Get your rate

See how much you'll save before we check your credit^†.

2

Choose your terms

Lower your monthly payment, get out of debt faster or save big on total costs.

3

Get your new loan

Sign online to accept your new loan and we'll pay off your former lenders.

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Student Loan Refi FAQs

Unlike getting your hands on a decent used textbook, the student loan refinancing process is actually pretty simple:
1. You answer a few quick questions to request your personalized refi rates .
2. We present you with different offers based on your eligibility, including new interest rates, terms and monthly payment amounts.
3. You choose the offer that’s best for you and confirm a few things to officially apply.
4. We review your (and your cosigner’s, if applicable) credit profile and application to confirm your final interest rate and loan terms.
5. You sign some paperwork to accept your loan and make everything official.
6. We pay off those former student loans.
7. You celebrate and save.