Refinance Student Loans

Now that you've graduated, you might find that refinancing or consolidating your student loans is the most logical next step to secure your financial future. Compare below to learn which lender provides the best refinancing solution for you.

  • 3.89% -7.97% APR Range
    Variable Min credit score
    60-240 Months Loan Term

    About the lender

    • SoFi is a new kind of finance company taking a radical approach to lending. From unprecedented products and tools to faster service and open conversations, they're all about helping our members get ahead and find success. 


    • Typical borrowers have good to excellent credit.

    • APR range: 3.89%-7.80% (with AutoPay)*
    • Minimum Loan Amount: $5,000 

    Facts and fees

    • Zero fees - No origination, pre-payment, or late fees
    • Low rates, flexible payment features, protection in the case of job loss**
    • Membership perks like career coaching and networking events
    • Simple online application and access to live customer support 7 days a week

    Fixed rates from 3.899% APR to 7.979% APR (with AutoPay). Variable rates from 2.470% APR to 6.990% 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 2.470% APR assumes current 1 month LIBOR rate of 2.30% plus 0.91% 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. 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.Terms and Conditions Apply. SOFI RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS AND BENEFITS AT ANY TIME WITHOUT NOTICE. To qualify, a borrower must be a U.S. citizen or permanent resident in an eligible state and meet SoFi's underwriting requirements. Not all borrowers receive the lowest rate. To qualify for the lowest rate, you must have a responsible financial history and meet other conditions. If approved, your actual rate will be within the range of rates listed above and will depend on a variety of factors, including term of loan, a responsible financial history, years of experience, income and other factors. Rates and Terms are subject to change at anytime without notice and are subject to state restrictions. SoFi refinance loans are private loans and do not have the same repayment options that the federal loan program offers such as Income Based Repayment or Income Contingent Repayment or PAYE. Licensed by the Department of Business Oversight under the California Financing Law License No. 6054612. SoFi loans are originated by SoFi Lending Corp., NMLS # 1121636. 

  • 3.25%-5.00% APR Range
    Variable Min credit score
    60-240 Months Loan Term

    About the lender:

    Credible makes it quick and easy to save on student loans. In under 2 minutes, borrowers can compare real rates, not rate ranges, from up to 10+ vetted lenders. The average borrower saves $18,668 when they refinance with Credible.


    • Minimum credit score: 620
    • Minimum annual income: $18,000
    • Minimum credit history: No minimum
    • Maximum debt-to-income ratio: N/A

    Facts and fees:

    • Compare real rates from up to 10+ lenders with Credible
    • Does not impact credit to check rates• Refinance federal and private loans
    • All balances over $5,000 eligible for refinancing
    • Rated 9.5 out of 10 on Trustpilot

  • 4.69% - 8.10% APR Range
    Variable Min credit score
    180-240 Months Loan Term

  • 3.94% - 9.80% APR Range
    Variable Min credit score
    120-240 Months Loan Term

  • 4.45%-7.69% APR Range
    Variable Min credit score
    120-180 Months Loan Term

  • 3.75% - 7.65% APR Range
    Variable Min credit score
    60-180 Months Loan Term

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