Refinance your student loans and save thousands. Compare rates from top lenders and reduce your monthly payment or pay off faster.
"I refinanced $85,000 in student loans and lowered my rate from 7.5% to 4.2%. I'm saving over $300/month!"
- David P., Refinance Customer
Won't affect your credit score • Takes 2 minutes
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Take control of your student debt with better rates and terms
Lower your interest rate and save thousands over the life of your loan. The average borrower saves $18,000 by refinancing.
Reduce your monthly payment to free up cash flow, or keep the same payment and pay off your loans faster.
Choose repayment terms from 5 to 20 years. Customize your loan to match your financial goals and budget.
Refinancing federal loans means losing federal benefits like income-driven repayment and loan forgiveness programs. Only refinance if you don't need these protections and can get a significantly lower rate.
Most lenders require a minimum credit score of 650-680, though some may work with lower scores. Better credit typically qualifies for lower rates.
Yes! You can refinance as many times as you want. If rates drop or your credit improves, refinancing again could save you even more money.
The application takes about 10 minutes, and you'll typically receive rate quotes within 24 hours. Once approved, the full process usually takes 2-4 weeks to complete.
See how much you could save by refinancing your student loans
Check My RateWon't affect your credit score • Takes 2 minutes • 100% free