Best Student Loan Refinance Companies for April 2022 – https://shoppingandreview.com

Best Student Loan Refinance Companies

Savingforcollege.com has developed a methodology for ranking individual scholar loanword refinancing companies based on a hardening of objective criteria. here are the best scholar loan refinance and consolidation companies :

Looking to refinance a scholar lend ? It ’ randomness crucial to shop around for the best interest pace, fees, terms and conditions to suit your needs. here are a few of our clear picks for refinancing and consolidation .
Lender Fixed APR

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While Savingforcollege.com strives to keep the data up to date, the lender rates, terms and other information are subject to change at any fourth dimension .

Variable APR

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While Savingforcollege.com strives to keep the information up to date, the lender rates, terms and other data are subject to change at any prison term .

Repayment Terms Our Rating Splash Financial
Splash Financial

Advertising Disclosure

×
Terms and Conditions apply. Splash reserves the right to modify or discontinue products and benefits at any time without notice. Rates and terms are besides subject to change at any prison term without notice. Offers are subject to credit approval. Our lending partners require the borrower to be a U.S. citizen in an eligible state to qualify. Some lenders allow the borrower to be a permanent resident in an eligible state to qualify. Some lenders may require a co-signer. The borrower is required to meet applicable underwrite requirements based on specific lender criteria. not all borrowers receive the lowest rate. Lowest rates are reserved for the highest dependent borrowers. If approved, your actual rate will be within a range of rates and will depend on a diverseness of factors, including term of loan, a responsible fiscal history, income and other factors. Refinancing or consolidating private and federal student loans may not be the right decision for everyone. federal loans carry extra benefits not available for loans made through Splash Financial, for exercise, public service loan forgiveness and economic adversity programs, tip waivers and rebates on the principal, which may not be accessible to you after you refinance .
The information you provide to us is an inquiry to determine whether we or our lenders can make a loan offer that meets your needs. not all information is required by all lending partners were you to submit an application immediately on their web site. If we or any of our lending partners has an available loanword offer for you, you will be invited to submit a lend application to the lender for its revue. We do not guarantee that you will receive any loanword offers or that your lend application will be approved. Offers are subject to credit approval and are available alone to U.S. citizens or permanent wave residents who meet applicable cover requirements. not all borrowers will receive the lowest rates, which are available to the most dependent borrowers. Participating lenders, rates and terms are capable to change at any clock time without notice .
1.99 % – 7.84 %
1.74 % – 7.49 %

5

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7

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8

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10

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12

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15

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20

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25 years

Fixed APR

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While Savingforcollege.com strives to keep the information up to date, the lender rates, terms and other information are subject to change at any time.


1.99 % – 7.84 %
Var. APR

i

x

While Savingforcollege.com strives to keep the information up to date, the lender rates, terms and other information are subject to change at any time.


1.74 % – 7.49 %
Terms
5, 7, 8, 10, 12, 15, 20, 25 years
Fees
late fees
Offers
Autopay discount ( 0.25 % ) and cosigner unblock
Refinance

Student Loan Rating

Check Rates
Read Review
SoFi
SoFi

Advertising Disclosure

×
Fixed rates range from 2.49 % APR to 6.94 % APR with 0.25 % autopay deduction. variable star rates range from 1.99 % APR to 6.59 % APR with a 0.25 % autopay dismiss. Unless required to be lower to comply with applicable law, variable interest rates on 5-, 7-, and 10-year terms are capped at 8.95 % APR ; 15- and 20-year terms are capped at 9.95 % APR. SoFi rate ranges are current as of 11/01/2021 and are subject to change at any clock time. Your actual rate will be within the crop of rates listed above and will depend on the term you select, evaluation of your creditworthiness, income, presence of a co-signer and a kind of other factors. Lowest rates reserved for the most creditworthy borrowers. For the SoFi variable-rate product, the variable matter to rate for a given month is derived by adding a margin to the 30-day average SOFR index, published two clientele days preceding such calendar calendar month, rounded up to the nearest one one-hundredth of one percentage ( 0.01 % or 0.0001 ). APRs for variable-rate loans may increase after origin if the SOFR index increases. The SoFi 0.25 % autopay interest rate reduction requires you to agree to make monthly principal and matter to payments by an automatic monthly deduction from a savings or checking account. This benefit will discontinue and be lost for periods in which you do not pay by automatic deduction from a savings or checking account. The benefit lowers your concern pace but does not change the total of your monthly payment. This profit is suspended during periods of postponement and patience. Autopay is not required to receive a loanword from SoFi .

2.49 % – 7.24 %
1.74 % – 7.24 %

5

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7

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10

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15

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20 years

Fixed APR

i

x

While Savingforcollege.com strives to keep the information up to date, the lender rates, terms and other information are subject to change at any time.


2.49 % – 7.24 %
Var. APR

i

x

While Savingforcollege.com strives to keep the information up to date, the lender rates, terms and other information are subject to change at any time.


1.74 % – 7.24 %
Terms
5, 7, 10, 15, 20 years
Fees
No fees
Offers
current customer discount ( 0.125 % ), Autopay discount ( 0.25 % ), and Customizable requital due date
Refinance

Student Loan Rating

Check Rates
Read Review
Earnest
Earnest

Advertising Disclosure

×
actual rate and available refund terms will vary based on your income. Fixed rates range from 2.99 % APR to 8.24 % APR ( excludes 0.25 % Auto Pay dismiss ). variable rates range from 1.99 % APR to 8.24 % APR ( excludes 0.25 % Auto Pay discount ). Earnest variable matter to rate student lend refinance loans are based on a publicly available index, the 30-day Average Secured Overnight Financing Rate ( SOFR ) published by the Federal Reserve Bank of New York. The variable rate is based on the pace published on the twenty-fifth day, or the next occupation day, of the preceding calendar calendar month, rounded to the nearest hundredth of a percentage. The rate will not increase more than once per calendar month. The maximal rate for your lend is 8.95 % if your lend condition is 10 years or less. For lend terms of more than 10 years to 15 years, the interest rate will never exceed 9.95 %. For loan terms over 15 years, the interest rate will never exceed 11.95 %. Please note, we are not able to offer variable star rate loans in AK, IL, MN, NH, OH, TN, and TX .

2.74 % – 7.99 %
1.74 % – 7.99 %

5

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10

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15

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20 years

Fixed APR

i

x

While Savingforcollege.com strives to keep the information up to date, the lender rates, terms and other information are subject to change at any time.


2.74 % – 7.99 %
Var. APR

i

x

While Savingforcollege.com strives to keep the information up to date, the lender rates, terms and other information are subject to change at any time.


1.74 % – 7.99 %
Terms
5, 10, 15, 20 years
Fees
No fees
Offers
Autopay discount ( 0.25 % ), Customizable requital due date, and choice to skip 1 requital every 12 months
Refinance

Student Loan Rating

Check Rates
Read Review
Nelnet Bank
Nelnet Bank
Member FDIC

Advertising Disclosure

×
Fixed interest rates range from 2.80 % APR ( with car debit discount rate ) to 6.94 % APR ( without car debit dismiss ). Your concern pace will depend on your ( and if applicable, your cosigner ’ south ) accredit qualifications. The fixed pastime rate will remain the lapp for the life of the loanword .
variable matter to rates range from 2.32 % APR ( with car debit discount rate ) to 8.33 % APR ( without car debit discount ). Your pastime rate will depend on your ( and if applicable, your cosigner ’ sulfur ) credit qualifications. variable rates may increase after consummation. varying rates for Nelnet Bank Refinance Loans are calculated as the One-Month SOFR plus the applicable margin percentage. varying rates will be based on the highest One-Month SOFR as published by the Federal Reserve Bank of New York and/or the Wall Street Journal “ Money Rates ” table on the twenty-fifth day ( or the future occupation day ) of the immediately preceding calendar calendar month. The variable rate may change on the first day of each calendar month if the SOFR index changes. This may result in higher monthly payments. The current One-Month SOFR exponent is 0.30 % as of April 1, 2022 .
The lowest rate for each loanword type requires automatically withdrawn ( “ car debit ” ) payment. The lowest rate is available only to the most creditworthy applicants. not all borrowers will receive the lowest rate. The interest rate and Annual Percentage Rate ( APR ) may be higher depending upon ( 1 ) the credit history of the borrower and, if applicable, the cosigner, ( 2 ) the repayment option and loanword term selected, ( 3 ) the loanword character selected, and ( 4 ) the highest level of education attained. If approved, applicants will be notified of the rate qualified for within the declared range .
2.80 % – 6.94 %
2.32 % – 8.33 %

Multiple Term Options

Fixed APR

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While Savingforcollege.com strives to keep the information up to date, the lender rates, terms and other information are subject to change at any time.


2.80 % – 6.94 %
Var. APR

i

x

While Savingforcollege.com strives to keep the information up to date, the lender rates, terms and other information are subject to change at any time.


2.32 % – 8.33 %
Terms
multiple Term Options
Fees
late fees
Offers
Autopay deduction included in rate above ( 0.25 % )
Refinance

Student Loan Rating

Check Rates
Read Review
College Ave
College Ave

Advertising Disclosure

×
College Ave Student Loans products are made available through Firstrust Bank, penis FDIC, First Citizens Community Bank, member FDIC, or M.Y. Safra Bank, FSB, penis FDIC.. All loans are national to individual approval and adhesiveness to cover guidelines. Program restrictions, early terms, and conditions apply .
( 1 ) The 0.25 % auto-pay interest rate reduction applies a long as the borrower or cosigner, if applicable, enrolls in auto-pay and authorizes our loan servicer to automatically deduct your monthly payments from a valid bank score via Automated Clearing House ( “ ACH ” ). The rate reduction applies for deoxyadenosine monophosphate retentive as the monthly requital total is successfully deducted from the delegate bank account and is suspended during periods of forbearance and certain deferments. variable star rates may increase after consummation .
( 2 ) This informational repayment exemplar uses distinctive lend terms for a refi borrower with a Full Principal & Interest Repayment and a 10-year repayment terminus, has a $ 40,000 loanword and a 5.5 % annual percentage Rate ( “ APR ” ) : 120 monthly payments of $ 434.11 while in the repayment period, for a total amount of payments of $ 52,092.61. Loans will never have a entire principal and interest monthly requital of less than $ 50. Your actual rates and refund terms may vary .
information advertised valid as of 4/12/2022. variable interest rates may increase after consummation. Approved interest rate will depend on the creditworthiness of the applicant ( mho ), lowest advertised rates merely available to the most creditworthy applicants and require choice of full principal and matter to payments with the light available loanword term .
3.49 % – 6.74 %
3.44 % – 6.64 %

5

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10

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15 years

Fixed APR

i

x

While Savingforcollege.com strives to keep the information up to date, the lender rates, terms and other information are subject to change at any time.


3.49 % – 6.74 %
Var. APR

i

x

While Savingforcollege.com strives to keep the information up to date, the lender rates, terms and other information are subject to change at any time.


3.44 % – 6.64 %
Terms
5, 10, 15 years
Fees
late fees
Offers
stream autopay dismiss ( 0.25 % ) and Cosigner release
Refinance

Student Loan Rating

Check Rates
Read Review
You can besides view the best refinance and consolidation lenders by category :

  • Best for Borrowers without a cosigner
  • Best cosigner Release Option
  • Best tractability for refund
  • Best postponement Options
  • Best Customer Service
  • Best Bank Lender
  • top Rated

Be careful refinancing federal student loans into private scholar loans, since you will lose some of your federal benefits such as scholar loanword forgiveness and refund options. Another choice for federal scholar loans is a direct consolidation loan, which combines multiple loans into one loanword. however, union consolidation will not lower your sake rate .

When shopping for the best student loan refinance and consolidation lenders, you may find that some eligibility requirements include having a cosigner. A cosigner is typically another adult who shares equal province for your individual education loans. even if you do n’t have bad credit, you may still need a cosigner if you do n’t have a steady income or decent credit score.
If you prefer to take out a secret lend without a cosigner, or you simply do n’t have one, consider one of these options for borrowers without a cosigner .
lender
Fixed APR

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While Savingforcollege.com strives to keep the information up to date, the lender rates, terms and other information are subject to change at any time.


varying APR

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While Savingforcollege.com strives to keep the information up to date, the lender rates, terms and other information are subject to change at any time.


repayment Terms
Our Rating
Navy Federal Credit Union
Navy Federal Credit Union

Advertising Disclosure

×

  1. Terms and conditions apply. Loan products, terms, and benefits displayed on this website may be modified or discontinued at any time without notice. Your rate will be determined after a review of your application and credit profile. You must be either a U.S. citizen or Permanent Resident in an eligible state, must have graduated from an eligible school, and meet Navy Federal Credit Union’s credit and income requirements to qualify for a loan. Additionally, in order to receive a loan from Navy Federal Credit Union, you must be a member of Navy Federal Credit Union. If you are not a member of Navy Federal Credit Union, you must apply and become a member during the loan application process. Applying with a creditworthy cosigner may result in a better chance of loan approval and/or lower interest rate.
  2. If you choose and receive a variable rate loan, your rate may change once a quarter. The variable rate is based on the average of a publicly available index, the 3-month LIBOR, as published in the Wall Street Journal on the first of each month for the last three months immediately preceding the quarterly adjustment date. If the first day of the month is not a business day, the preceding business day will be used. Your rate will be calculated each quarter by adding the 3-month LIBOR to a margin that is assigned to your loan upon loan approval. All loans are subject to an interest rate floor based on term: 5 year: 1.43%, 10 year: 2.99%, 15 year: 3.24% and an interest rate cap of 18.00%.
  3. If you enroll in automatic monthly payments from a personal checking or savings account to pay principal and interest amounts that are due, the rate will be reduced by 0.25%, subject to the floor rate. This rate reduction will be removed and the rate will be increased by 0.25% upon any cancellation or failed collection attempt of the automatic payment and will be suspended during any period of deferment or forbearance. As a result, during the forbearance or suspension period, and/or if the automatic payment is cancelled, any increase will take the form of higher payments.
  4. The minimum monthly payment is $50.00 or the unpaid balance of your loan, whichever is less.

2.34 % – 12.03 %
1.79 % – 10.22 %

5

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10

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15 years

Fixed APR

i

x

While Savingforcollege.com strives to keep the information up to date, the lender rates, terms and other information are subject to change at any time.


2.34 % – 12.03 %
Var. APR

i

x

While Savingforcollege.com strives to keep the information up to date, the lender rates, terms and other information are subject to change at any time.


1.79 % – 10.22 %
Terms
5, 10, 15 years
Fees
ill-defined late fee policy
Offers
Autopay dismiss ( 0.25 % ) and Cosigner handout
Refinance

Student Loan Rating

Check Rates
Read Review
Citizens Bank
Citizens Bank

Advertising Disclosure

×
disclosure information
2.59 % – 9.15 %
1.99 % – 7.98 %

5

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10

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15 years

Fixed APR

i

x

While Savingforcollege.com strives to keep the information up to date, the lender rates, terms and other information are subject to change at any time.


2.59 % – 9.15 %
Var. APR

i

x

While Savingforcollege.com strives to keep the information up to date, the lender rates, terms and other information are subject to change at any time.


1.99 % – 7.98 %
Terms
5, 10, 15 years
Fees
recently fees
Offers
stream customer discount rate ( 0.25 % ), Autopay discount ( 0.25 % ), and Cosigner release
Refinance

Student Loan Rating

Check Rates
Read Review
Discover Student Loans
Discover Student Loans

Advertising Disclosure

×
Application & Solicitation Disclosures
2.99 % – 6.99 %
1.99 % – 5.74 %

10

,

20 years

Fixed APR

i

x

While Savingforcollege.com strives to keep the information up to date, the lender rates, terms and other information are subject to change at any time.


2.99 % – 6.99 %
Var. APR

i

x

While Savingforcollege.com strives to keep the information up to date, the lender rates, terms and other information are subject to change at any time.


1.99 % – 5.74 %
Terms
10, 20 years
Fees
No fees
Offers
Autopay discount rate ( 0.25 % ) and Lending to both Graduates and Non-graduates
Refinance

Student Loan Rating

Check Rates
Read Review
calculator Wondering how much that lend is going to cost you ? Check out our free Loan Calculator !
Input your lend terms and we ’ ll tell you how much you can expect to pay monthly and in entire
Get Started

If your parents are uncoerced to help you pay for college, they may have considered a federal Parent PLUS lend. however, depending on their credit score, your rear may be able to qualify for a lower interest rate by cosigning a loanword with you.
Some lenders offer a cosigner acquittance choice, which is ideal for parents who are will to help you get a loanword but may not want a long-run commitment. here is a list of the scholar lend providers with the best cosigner turn options .
lender
Fixed APR

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x

While Savingforcollege.com strives to keep the information up to date, the lender rates, terms and other information are subject to change at any time.


variable APR

i

x

While Savingforcollege.com strives to keep the information up to date, the lender rates, terms and other information are subject to change at any time.


repayment Terms
Our Rating

Navy Federal Credit Union

Advertising Disclosure

×

  1. Terms and conditions apply. Loan products, terms, and benefits displayed on this website may be modified or discontinued at any time without notice. Your rate will be determined after a review of your application and credit profile. You must be either a U.S. citizen or Permanent Resident in an eligible state, must have graduated from an eligible school, and meet Navy Federal Credit Union’s credit and income requirements to qualify for a loan. Additionally, in order to receive a loan from Navy Federal Credit Union, you must be a member of Navy Federal Credit Union. If you are not a member of Navy Federal Credit Union, you must apply and become a member during the loan application process. Applying with a creditworthy cosigner may result in a better chance of loan approval and/or lower interest rate.
  2. If you choose and receive a variable rate loan, your rate may change once a quarter. The variable rate is based on the average of a publicly available index, the 3-month LIBOR, as published in the Wall Street Journal on the first of each month for the last three months immediately preceding the quarterly adjustment date. If the first day of the month is not a business day, the preceding business day will be used. Your rate will be calculated each quarter by adding the 3-month LIBOR to a margin that is assigned to your loan upon loan approval. All loans are subject to an interest rate floor based on term: 5 year: 1.43%, 10 year: 2.99%, 15 year: 3.24% and an interest rate cap of 18.00%.
  3. If you enroll in automatic monthly payments from a personal checking or savings account to pay principal and interest amounts that are due, the rate will be reduced by 0.25%, subject to the floor rate. This rate reduction will be removed and the rate will be increased by 0.25% upon any cancellation or failed collection attempt of the automatic payment and will be suspended during any period of deferment or forbearance. As a result, during the forbearance or suspension period, and/or if the automatic payment is cancelled, any increase will take the form of higher payments.
  4. The minimum monthly payment is $50.00 or the unpaid balance of your loan, whichever is less.

2.34 % – 12.03 %
1.79 % – 10.22 %

5

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10

,

15 years

Fixed APR

i

x

While Savingforcollege.com strives to keep the information up to date, the lender rates, terms and other information are subject to change at any time.


2.34 % – 12.03 %
Var. APR

i

x

While Savingforcollege.com strives to keep the information up to date, the lender rates, terms and other information are subject to change at any time.


1.79 % – 10.22 %
Terms
5, 10, 15 years
Fees
indecipherable former fee policy
Offers
Autopay discount ( 0.25 % ) and Cosigner release
Refinance

Student Loan Rating

Check Rates
Read Review
Lend-Grow
Lend-Grow

2.15 % – 8.23 %
1.80 % – 7.98 %

5

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10

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15

,

20

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25 years

Fixed APR

i

x

While Savingforcollege.com strives to keep the information up to date, the lender rates, terms and other information are subject to change at any time.


2.15 % – 8.23 %
Var. APR

i

x

While Savingforcollege.com strives to keep the information up to date, the lender rates, terms and other information are subject to change at any time.


1.80 % – 7.98 %
Terms
5, 10, 15, 20, 25 years
Fees
late fees vary by lender
Offers
$ 500 cash bonus on loans over $ 100,000, autopay dismiss
Refinance

Student Loan Rating

Check Rates
Read Review
LendKey
LendKey

Advertising Disclosure

×
Disclaimers
2.49 % – 7.93 %
2.05 % – 5.25 %

5

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7

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10

,

15

,

20 years

Fixed APR

i

x

While Savingforcollege.com strives to keep the information up to date, the lender rates, terms and other information are subject to change at any time.


2.49 % – 7.93 %
Var. APR

i

x

While Savingforcollege.com strives to keep the information up to date, the lender rates, terms and other information are subject to change at any time.


2.05 % – 5.25 %
Terms
5, 7, 10, 15, 20 years
Fees
recently fees
Offers
Autopay dismiss ( 0.25 % ), erstwhile payment ascribable date exchange, and Cosigner exhaust
Refinance

Student Loan Rating

Check Rates
Read Review

Your repayment term will vary depending on the loan and lender you choose. Flexibility is critical for all borrowers, since anyone can be faced with an unexpected reverse such as a job personnel casualty or medical hand brake.
The follow lenders offer borrowers the most flexibility when it comes to a refund plan, refund terms, your monthly payment, your lend term, grace periods, acquit and patience options .
lender
Fixed APR

i

x

While Savingforcollege.com strives to keep the information up to date, the lender rates, terms and other information are subject to change at any time.


variable APR

i

x

While Savingforcollege.com strives to keep the information up to date, the lender rates, terms and other information are subject to change at any time.


repayment Terms
Our Rating

LendKey

Advertising Disclosure

×
Disclaimers
2.49 % – 7.93 %

2.05 % – 5.25 %

5

,

7

,

10

,

15

,

20 years

Fixed APR

i

x

While Savingforcollege.com strives to keep the information up to date, the lender rates, terms and other information are subject to change at any time.


2.49 % – 7.93 %
Var. APR

i

x

While Savingforcollege.com strives to keep the information up to date, the lender rates, terms and other information are subject to change at any time.


2.05 % – 5.25 %
Terms
5, 7, 10, 15, 20 years
Fees
deep fees
Offers
Autopay deduction ( 0.25 % ), erstwhile requital ascribable date change, and Cosigner dismissal
Refinance

Student Loan Rating

Check Rates
Read Review
KeyBank (Laurel Road)
KeyBank (Laurel Road)

Advertising Disclosure

×
Disclaimers
2.25 % – 5.75 %
1.64 % – 5.65 %

5

,

7

,

10

,

15

,

20 years

Fixed APR

i

x

While Savingforcollege.com strives to keep the information up to date, the lender rates, terms and other information are subject to change at any time.


2.25 % – 5.75 %
Var. APR

i

x

While Savingforcollege.com strives to keep the information up to date, the lender rates, terms and other information are subject to change at any time.


1.64 % – 5.65 %
Terms
5, 7, 10, 15, 20 years
Fees
late fees
Offers
Autopay dismiss ( 0.25 % ), referral deduction ( $ 400 ), and Customizable payment due date
Refinance

Student Loan Rating

Check Rates
Read Review

Earnest

Advertising Disclosure

×
actual rate and available repayment terms will vary based on your income. Fixed rates range from 2.99 % APR to 8.24 % APR ( excludes 0.25 % Auto Pay dismiss ). variable rates range from 1.99 % APR to 8.24 % APR ( excludes 0.25 % Auto Pay deduction ). Earnest variable star interest rate student loanword refinance loans are based on a publicly available index, the 30-day Average Secured Overnight Financing Rate ( SOFR ) published by the Federal Reserve Bank of New York. The variable star rate is based on the rate published on the twenty-fifth day, or the adjacent clientele day, of the preceding calendar calendar month, rounded to the nearest hundredth of a percentage. The rate will not increase more than once per calendar month. The maximum rate for your loanword is 8.95 % if your loan term is 10 years or less. For loan terms of more than 10 years to 15 years, the pastime rate will never exceed 9.95 %. For loan terms over 15 years, the sake rate will never exceed 11.95 %. Please bill, we are not able to offer variable rate loans in AK, IL, MN, NH, OH, TN, and TX .

2.74 % – 7.99 %
1.74 % – 7.99 %

5

,

10

,

15

,

20 years

Fixed APR

i

x

While Savingforcollege.com strives to keep the information up to date, the lender rates, terms and other information are subject to change at any time.


2.74 % – 7.99 %
Var. APR

i

x

While Savingforcollege.com strives to keep the information up to date, the lender rates, terms and other information are subject to change at any time.


1.74 % – 7.99 %
Terms
5, 10, 15, 20 years
Fees
No fees
Offers
Autopay discount ( 0.25 % ), Customizable payment due date, and choice to skip 1 payment every 12 months
Refinance

Student Loan Rating

Check Rates
Read Review
calculator How much are you going to be expected to pay for your degree ? Use our free Financial Aid calculator !
Use this calculator to estimate your Expected Family Contribution ( EFC )
Get Started

postponement allows you to temporarily pause or reduce your student loanword payments.
Overall, a federal scholar lend, such as a direct PLUS lend, offers more postponement options than a private loan. But, there are some private lenders that allow borrowers to pause their loan payment in certain situations. The follow private lenders offer the best postponement options for borrowers looking to refinance scholar loans .
lender
Fixed APR

i

x

While Savingforcollege.com strives to keep the information up to date, the lender rates, terms and other information are subject to change at any time.


variable APR

i

x

While Savingforcollege.com strives to keep the information up to date, the lender rates, terms and other information are subject to change at any time.


repayment Terms
Our Rating

Discover Student Loans

Advertising Disclosure

×
Application & Solicitation Disclosures
2.99 % – 6.99 %
1.99 % – 5.74 %

10

,

20 years

Fixed APR

i

x

While Savingforcollege.com strives to keep the information up to date, the lender rates, terms and other information are subject to change at any time.


2.99 % – 6.99 %
Var. APR

i

x

While Savingforcollege.com strives to keep the information up to date, the lender rates, terms and other information are subject to change at any time.


1.99 % – 5.74 %
Terms
10, 20 years
Fees
No fees
Offers
Autopay discount ( 0.25 % ) and Lending to both Graduates and Non-graduates
Refinance

Student Loan Rating

Check Rates
Read Review

Earnest

Advertising Disclosure

×
actual pace and available repayment terms will vary based on your income. Fixed rates range from 2.99 % APR to 8.24 % APR ( excludes 0.25 % Auto Pay dismiss ). varying rates range from 1.99 % APR to 8.24 % APR ( excludes 0.25 % Auto Pay discount ). Earnest variable interest rate student loanword refinance loans are based on a publicly available index, the 30-day Average Secured Overnight Financing Rate ( SOFR ) published by the Federal Reserve Bank of New York. The variable star rate is based on the rate published on the twenty-fifth day, or the following business day, of the preceding calendar month, rounded to the nearest hundredth of a percentage. The rate will not increase more than once per month. The maximum pace for your lend is 8.95 % if your lend term is 10 years or less. For lend terms of more than 10 years to 15 years, the interest rate will never exceed 9.95 %. For loanword terms over 15 years, the pastime rate will never exceed 11.95 %. Please note, we are not able to offer variable rate loans in AK, IL, MN, NH, OH, TN, and TX .

2.74 % – 7.99 %
1.74 % – 7.99 %

5

,

10

,

15

,

20 years

Fixed APR

i

x

While Savingforcollege.com strives to keep the information up to date, the lender rates, terms and other information are subject to change at any time.


2.74 % – 7.99 %
Var. APR

i

x

While Savingforcollege.com strives to keep the information up to date, the lender rates, terms and other information are subject to change at any time.


1.74 % – 7.99 %
Terms
5, 10, 15, 20 years
Fees
No fees
Offers
Autopay dismiss ( 0.25 % ), Customizable requital due date, and option to skip 1 payment every 12 months
Refinance

Student Loan Rating

Check Rates
Read Review

Nelnet Bank
Member FDIC

Advertising Disclosure

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Fixed interest rates range from 2.80 % APR ( with car debit discount rate ) to 6.94 % APR ( without car debit deduction ). Your interest rate will depend on your ( and if applicable, your cosigner ’ randomness ) credit qualifications. The fixed interest rate will remain the lapp for the life of the lend .
variable interest rates range from 2.32 % APR ( with car debit deduction ) to 8.33 % APR ( without car debit dismiss ). Your interest pace will depend on your ( and if applicable, your cosigner ’ mho ) credit qualifications. variable star rates may increase after consummation. variable rates for Nelnet Bank Refinance Loans are calculated as the One-Month SOFR plus the applicable gross profit share. variable rates will be based on the highest One-Month SOFR as published by the Federal Reserve Bank of New York and/or the Wall Street Journal “ Money Rates ” board on the twenty-fifth day ( or the adjacent occupation day ) of the immediately preceding calendar calendar month. The variable rate may change on the first gear day of each month if the SOFR index changes. This may result in higher monthly payments. The current One-Month SOFR index is 0.30 % as of April 1, 2022 .
The lowest pace for each lend character requires automatically withdrawn ( “ car debit ” ) payment. The lowest rate is available merely to the most creditworthy applicants. not all borrowers will receive the lowest rate. The pastime rate and Annual Percentage Rate ( APR ) may be higher depending upon ( 1 ) the credit history of the borrower and, if applicable, the cosigner, ( 2 ) the refund option and loan term selected, ( 3 ) the loan character selected, and ( 4 ) the highest level of education attained. If approved, applicants will be notified of the rate qualified for within the declared range .
2.80 % – 6.94 %
2.32 % – 8.33 %

Multiple Term Options

Fixed APR

i

x

While Savingforcollege.com strives to keep the information up to date, the lender rates, terms and other information are subject to change at any time.


2.80 % – 6.94 %
Var. APR

i

x

While Savingforcollege.com strives to keep the information up to date, the lender rates, terms and other information are subject to change at any time.


2.32 % – 8.33 %
Terms
multiple Term Options
Fees
late fees
Offers
Autopay rebate included in rate above ( 0.25 % )
Refinance

Student Loan Rating

Check Rates
Read Review

When shopping for a private department of education loanword, don ’ deoxythymidine monophosphate forget about customer service. many borrowers have had issues with scholar lend companies, but fortunately complaints are much documented.
The list below includes the secret student lend lenders with the best customer service, based on self-service options, call focus on characteristics, popularity and complaint rates .
lender
Fixed APR

i

x

While Savingforcollege.com strives to keep the information up to date, the lender rates, terms and other information are subject to change at any time.


varying APR

i

x

While Savingforcollege.com strives to keep the information up to date, the lender rates, terms and other information are subject to change at any time.


refund Terms
Our Rating

Navy Federal Credit Union

Advertising Disclosure

×

  1. Terms and conditions apply. Loan products, terms, and benefits displayed on this website may be modified or discontinued at any time without notice. Your rate will be determined after a review of your application and credit profile. You must be either a U.S. citizen or Permanent Resident in an eligible state, must have graduated from an eligible school, and meet Navy Federal Credit Union’s credit and income requirements to qualify for a loan. Additionally, in order to receive a loan from Navy Federal Credit Union, you must be a member of Navy Federal Credit Union. If you are not a member of Navy Federal Credit Union, you must apply and become a member during the loan application process. Applying with a creditworthy cosigner may result in a better chance of loan approval and/or lower interest rate.
  2. If you choose and receive a variable rate loan, your rate may change once a quarter. The variable rate is based on the average of a publicly available index, the 3-month LIBOR, as published in the Wall Street Journal on the first of each month for the last three months immediately preceding the quarterly adjustment date. If the first day of the month is not a business day, the preceding business day will be used. Your rate will be calculated each quarter by adding the 3-month LIBOR to a margin that is assigned to your loan upon loan approval. All loans are subject to an interest rate floor based on term: 5 year: 1.43%, 10 year: 2.99%, 15 year: 3.24% and an interest rate cap of 18.00%.
  3. If you enroll in automatic monthly payments from a personal checking or savings account to pay principal and interest amounts that are due, the rate will be reduced by 0.25%, subject to the floor rate. This rate reduction will be removed and the rate will be increased by 0.25% upon any cancellation or failed collection attempt of the automatic payment and will be suspended during any period of deferment or forbearance. As a result, during the forbearance or suspension period, and/or if the automatic payment is cancelled, any increase will take the form of higher payments.
  4. The minimum monthly payment is $50.00 or the unpaid balance of your loan, whichever is less.

2.34 % – 12.03 %
1.79 % – 10.22 %

5

,

10

,

15 years

Fixed APR

i

x

While Savingforcollege.com strives to keep the information up to date, the lender rates, terms and other information are subject to change at any time.


2.34 % – 12.03 %
Var. APR

i

x

While Savingforcollege.com strives to keep the information up to date, the lender rates, terms and other information are subject to change at any time.


1.79 % – 10.22 %
Terms
5, 10, 15 years
Fees
indecipherable late fee policy
Offers
Autopay deduction ( 0.25 % ) and Cosigner acquittance
Refinance

Student Loan Rating

Check Rates
Read Review

Discover Student Loans

Advertising Disclosure

×
Application & Solicitation Disclosures
2.99 % – 6.99 %
1.99 % – 5.74 %

10

,

20 years

Fixed APR

i

x

While Savingforcollege.com strives to keep the information up to date, the lender rates, terms and other information are subject to change at any time.


2.99 % – 6.99 %
Var. APR

i

x

While Savingforcollege.com strives to keep the information up to date, the lender rates, terms and other information are subject to change at any time.


1.99 % – 5.74 %
Terms
10, 20 years
Fees
No fees
Offers
Autopay discount ( 0.25 % ) and Lending to both Graduates and Non-graduates
Refinance

Student Loan Rating

Check Rates
Read Review
CU Learn with Thrivent
CU Learn with Thrivent

3.74 % – 8.97 %
not available

5

,

10

,

15 years

Fixed APR

i

x

While Savingforcollege.com strives to keep the information up to date, the lender rates, terms and other information are subject to change at any time.


3.74 % – 8.97 %
Var. APR

i

x

While Savingforcollege.com strives to keep the information up to date, the lender rates, terms and other information are subject to change at any time.


not available
Terms
5, 10, 15 years
Fees
former fees
Offers
Autopay discount rate ( 0.25 % ) and Cosigner free
Refinance

Student Loan Rating

Check Rates
Read Review
calculator Got a few lend options in beware ? Compare them !
Our free Loan Comparison Calculator helps you see the bottom note, without all the jumble terms and numbers
Get Started

You can refinance a scholar loan with a bank, credit union or on-line lender. In some cases, you may be able to qualify for a lower scholar loan refinance rate if you refinance with a bank you already use.
here is a list of the best depository financial institution lenders for refinancing and consolidation, based on costs, eligibility criteria, flexibility and customer service .
lender
Fixed APR

i

x

While Savingforcollege.com strives to keep the information up to date, the lender rates, terms and other information are subject to change at any time.


variable star APR

i

x

While Savingforcollege.com strives to keep the information up to date, the lender rates, terms and other information are subject to change at any time.


refund Terms
Our Rating

Citizens Bank

Advertising Disclosure

×
disclosure information
2.59 % – 9.15 %
1.99 % – 7.98 %

5

,

10

,

15 years

Fixed APR

i

x

While Savingforcollege.com strives to keep the information up to date, the lender rates, terms and other information are subject to change at any time.


2.59 % – 9.15 %
Var. APR

i

x

While Savingforcollege.com strives to keep the information up to date, the lender rates, terms and other information are subject to change at any time.


1.99 % – 7.98 %
Terms
5, 10, 15 years
Fees
recently fees
Offers
current customer discount ( 0.25 % ), Autopay rebate ( 0.25 % ), and Cosigner liberation
Refinance

Student Loan Rating

Check Rates
Read Review

KeyBank (Laurel Road)

Advertising Disclosure

×
Disclaimers
2.25 % – 5.75 %
1.64 % – 5.65 %

5

,

7

,

10

,

15

,

20 years

Fixed APR

i

x

While Savingforcollege.com strives to keep the information up to date, the lender rates, terms and other information are subject to change at any time.


2.25 % – 5.75 %
Var. APR

i

x

While Savingforcollege.com strives to keep the information up to date, the lender rates, terms and other information are subject to change at any time.


1.64 % – 5.65 %
Terms
5, 7, 10, 15, 20 years
Fees
late fees
Offers
Autopay dismiss ( 0.25 % ), referral discount ( $ 400 ), and Customizable requital due date
Refinance

Student Loan Rating

Check Rates
Read Review
Commerce Bank
Commerce Bank

Advertising Disclosure

×

Disclosures:

  1. For information on the Federal Direct Consolidation program, visit https://studentaid.ed.gov/sa/repay-loans/consolidation. By refinancing your federal student loans through a private refinance loan program, you will forgo certain benefits and options currently available to you such as federal Income-Driven Repayment plans, deferment, forbearance, and loan forgiveness options.
  2. If you choose a fixed rate option the rate will not increase or decrease for the life of the loan.
  3. If you choose a variable rate option your rate will vary with the market based on the one-month London Interbank Offered Rate (LIBOR) as published by Reuters on its Reuters Screen LIBOR01.
  4. 10-year fixed rate example: a borrower with a $30,000 loan and a fixed APR of 7.37% will make 120 monthly payments of $354.14 for an estimated total in payments of $42,496.80. 20-year fixed rate example: a borrower with a $30,000 loan and a fixed APR of 8.00% will make 240 monthly payments of $250.92 for an estimated total in payments of $60,220.80.
  5. 10-year variable rate example: a borrower with a $30,000 loan and a variable APR of 5.50% will make 120 monthly payments of $325.55 for an estimated total in payments of $39,066.00. 20-year variable rate example: a borrower with a $30,000 loan and a variable APR of 6.123% will make 240 monthly payments of $217.07 for an estimated total in payments of $52,096.80.
  6. Borrower must enroll in auto debit through Sallie Mae. The rate reduction benefit applies only during active repayment for as long as the Current Amount Due or Designated Amount is successfully withdrawn from the authorized bank account each month, and may therefore be suspended during a hardship forbearance period.

information advertised valid as of .
COMMERCE BANK RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS, SERVICES, AND BENEFITS AT ANY TIME WITHOUT NOTICE .
3.62 % – 7.50 %
2.12 % – 6.00 %

10

,

20 years

Fixed APR

i

x

While Savingforcollege.com strives to keep the information up to date, the lender rates, terms and other information are subject to change at any time.


3.62 % – 7.50 %
Var. APR

i

x

While Savingforcollege.com strives to keep the information up to date, the lender rates, terms and other information are subject to change at any time.


2.12 % – 6.00 %
Terms
10, 20 years
Fees
indecipherable policy on late fees
Offers
Autopay rebate ( 0.25 % )
Refinance

Student Loan Rating

Check Rates
Read Review
calculator Wondering how much that loan is going to cost you ? Check out our barren Loan Calculator !
Input your loanword terms and we ’ ll tell you how much you can expect to pay monthly and in entire
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