Updated October 17, 2019

Best Student Loan Refinance

By Kim P, personal finance expert at CreditDonkey
Read more about Student Loans
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What is the best company to refinance student loans? Read this guide to compare interest rates and find out if it is still a good idea.

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Refinancing your student loans with the right lender could save you thousands in interest. This means lower total payments overall and being debt-free faster.

If you're in better financial shape today than when you graduated, refinancing may be the right step for you. Read on to learn how.

What Is Student Loan Refinance

Student loan refinancing is when you replace your current loan(s) with a new loan with a new term and interest rate. You can combine loans (including federal and private loans) into one new single loan. But refinancing federal loans will remove any federal benefits.

Refinancing is done through a private lender. The lender will look at your credit, income, and other factors to give you a new rate. If your credit has improved, you may qualify for better rates and loan terms. This will allow you to save a lot in interest.

Benefits of Student Loan Refinancing

Some main reasons to refinance student loans include:

  • Simplify payments by consolidating into a single loan
  • Lower interest rates (choice of fixed and variable rates)
  • More favorable repayment term
  • More flexible payment options
  • Can apply with a co-signer to qualify for better rates

Is it worth it to refinance student loans? Refinancing your student loans can be a smart idea if you have good credit, steady paychecks, and are not applying for loan forgiveness or federal income-driven repayment plans.

Refinancing can give you a lower interest rate and/or more affordable term options. This could save you thousands in interest, thereby lowering your overall loan balance.

Best Student Loan Refinance Companies

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Here are our choices for the top student loan refinance companies. Each lender has their own unique features and requirements, so compare carefully. Compare their rates and terms, as well as other benefits you may want.

How do interest rate inquiries affect my credit?:
When you first ask for a rate estimate, the lender will do a soft credit check. This will NOT affect your score.

When you officially apply with a lender, a hard credit check will be performed. This drops your credit score by at least a couple of points. It will fall off of your credit report completely after two years.

All inquiries within 45 days are usually treated as one inquiry on your credit report, so you can shop around for rates.

Best Overall: SoFi

SoFi is one of the leading student loan refinance provider. We picked SoFi as our best overall pick for its competitive rates, low minimum loan amount, and excellent member benefits not offered by other providers.

Is SoFi refinancing legit?
Yes, SoFi has refinanced over $18 billion in student loans since its founding in 2011. In addition to student loan refinancing, SoFi also provides mortgages, mortgage refinancing, and personal loans.

Top Features:

  • Merit-based lending
    SoFi looks at details beyond just your credit score to determine your rate. It'll also consider factors such as your education, job, and financial history.

  • Job loss protection
    If you become unemployed, SoFi can suspend your payments up to 12 months until you get back to work. However, your interest will still accrue during this time.

  • Member benefits
    All SoFi members get exclusive benefits to help you in life. These include free career coaching to help you find a new job, personalized financial advice from credentialed advisors, and educational events.

  • Medical Residency Refi
    During your residency, you can refi and only pay $100 minimum per month for up to 54 months (the length of a standard residency program). Your interest doesn't compound during this time.

Other Benefits:

  • No origination fee or prepayment penalty
  • Loan minimum of $5,000 - no maximum
  • Terms options of 5, 7, 10, 15, and 20 years
  • 0.25% rate discount with auto-pay
  • Can refinance private, federal, and Parent PLUS loans
  • Referral bonus of $100 per friend

What credit score do you need for a SoFi loan?
SoFi requires a minimum credit score of 650 to be eligible for student loan refinancing. But this doesn't mean you'll automatically be approved if you meet this minimum. SoFi looks at other requirements too, like income, other debts, etc.

Best Custom Term: Earnest

Earnest is unique in that it customizes payments based on your budget. This is something other lenders don't offer. But it may have tougher approval requirements. Earnest is looking for borrowers who demonstrate responsible financial habits.

Top Features:

  • Custom loan term (Precision Pricing)
    Earnest will custom tailor your rate and term based on how much you can afford to pay each month. You can get a custom term anywhere from 60 to 240 months (instead of the standard 5, 7, 10, 15, or 20 years). This helps you minimize interest.

  • Merit-based lending
    Earnest will consider factors like your savings and spending habits, credit card debt, payment history, and earning potential to determine your approval and rate. This is good if you don't have a long credit history.

  • Skip a payment
    Earnest knows that life happens. After you've made 6 months of on-time payments, you can request to skip a payment. You can do this once every 12 months.

  • Ability to switch rates
    You can switch between a fixed rate to variable interest rate (or vice versa) every 6 months at no charge.

Other Benefits:

  • No origination fee or prepayment penalty
  • $5,000—$500,000 loan refinance limit
  • No late fee if you accidentally miss a payment
  • Forbearance and deferment options
  • Flexible payment options
  • 0.25% rate discount with auto-pay

You Should Know: A deferment means putting your payments on hold for a specific period.

Make sure you know the terms though—will you be required to make interest-only payments during this time? Will the interest continue to accrue during those years?

If interest continues to accrue while you're not making payments, your loans are actually growing.

Best Fixed Rates: ELFI

ELFI has the lowest fixed rates out of all student loan refinance providers we've found. However, the loan minimum amount is $15,000. Credit score, income, and credit history requirements are also quite high.

Top Features:

  • Low fixed rates
    The main draw of ELFI is their low fixed rates. There is no autopay rate reduction as the rate is already low. If you have at least $15,000 to refinance, ELFI is worth looking into to see if you can get a better rate than other providers.

  • Hardship support
    If you run into financial or medical hardship, ELFI allows up to 12 months of forbearance.

  • Referral bonus
    For every friend you refer who refinances with ELFI, you get $400 and your friend gets $100.

Other Benefits:

  • No origination fee or prepayment penalty
  • Loan minimum of $15,000 - no maximum
  • Terms of 5, 7, 10, 15, and 20 years
  • Available in all 50 states and Puerto Rico
  • Can refinance private, federal, and Parent PLUS loans

Best for High Balances: Laurel Road

Laurel Road (previously Darien Rowayton Bank, or DRB) offers student loan refinancing in all 50 states.

Top Features:

  • No maximum limit
    There is no cap on how much you can refinance. So Laurel Road is a good choice for borrowers with a high amount of debt.

  • Medical Resident Refi
    As soon as you're matched to a residency program, you pay only $100 per month throughout your residency or fellowship, and for 6 months after training.

  • Referral bonus
    Get a cash bonus of $400 for every friend you refer to Laurel Road. You can choose to share some of those earnings with them. There is no limit to how people you can refer.

Other Benefits:

  • No origination fees or prepayment penalty
  • Loan minimum of $5,000 - no maximum
  • Terms of 5, 7, 10, 15, and 20 years
  • Up to 1 year of forbearance if you experience economic hardship
  • 0.25% rate discount rate with auto-pay
  • Available in all 50 states

Tip: Use autopay for all your bills.

Autopay prevents you from missing payments and incurring late fees. Setting up autopay with most student loan companies can mean a reduced rate of 0.25% to 0.50%.

Best Community-Focused Lender: CommonBond

CommonBond has a strong community and social mission, which makes it a standout from other lenders. You can get a lower rate while also feeling good about your contribution.

Top Features:

  • Hybrid rate option
    Aside from the standard fixed and variable rates, CommonBond also offers a unique 10-year hybrid term. This is a fixed rate for 5 years, then variable rate for 5 years. The rate is lower than the typical 10-year fixed rate, so it's a good choice if you think you can prepay.

  • Hardship support
    If you run into economic hardship, CommonBond allows up to 24 months of forbearance over the life of the loan.

  • Community events
    CommonBond has a strong community that hosts networking events, panels, and career assistance. You can make connections and find job opportunities.

  • Social mission
    For every borrower, CommonBond covers the cost of a child's education in the developing world. Their partnership with Pencils of Promise has provided schools, teachers, and technology to thousands students in developing countries.

Other Benefits:

  • No origination fees or prepayment penalty
  • $5,000—$500,000 loan refinance limit
  • Access to the Care Team via phone, email, or live chat
  • Ability to add a co-signer
  • 0.25% rate discount rate with auto-pay
  • Referral bonus of $200 for every friend you refer

Best Network of Lenders: LendKey

LendKey is an online platform that connects you to hundreds of credit unions and local banks to get you the best rates. Small financial institutions often offer better rates than the big banks.

Top Features:

  • Compare multiple offers at once
    With just one application, you can receive multiple pre-approved offers. You can take your time to review and compare the offers before choosing a lender for the official application.

  • Interest-only payments
    You have the option to make interest-only payments for up to 4 years. This may be a good choice if you want to lock in a low interest rate, but can't afford high monthly payments at this time. Note that your payments will be higher later.

  • Referral bonuses
    Get $50 for every friend who gets approved and $200 for every friend who takes a loan with LendKey.

Other Benefits:

  • No origination fees or prepayment penalty
  • $7,500—$300,000 loan refinance limit
  • Terms of 5, 7, 10, 15, and 20 years
  • Cosigner release options after 12 months
  • Up to 18 months in forbearance
  • 0.25% rate discount rate with auto-pay

Tip: Consider adding a cosigner.

A creditworthy co-signer, like a parent, family member or close friend, can improve your odds of getting a better interest rate when refinancing. But remember, that person will be responsible for your loans if you fail to pay.

Best Medical & Dental School Refi: Splash Financial

Splash Financial started out as strictly a medical school loan refinancing company. They now offer general student loan refinancing, but still offer great medical and dental school refi benefits.

Splash is backed by banks and credit unions. If you'd like to accept a credit union offer, you'll need to become a member, but it's free to join. You can join straight from your Splash Financial account dashboard.

Top Features:

  • No maximum limit
    There's no cap on how much you can refinance. So this is great if you borrowed heavily to get through med school.

  • Up to 20 years deferment
    Medical and dental residents can defer making full payments while in training and for up to 6 months after. You only pay $100/month while in residency. The total loan term including residency, fellowship and grace period can be up to 20 years.

  • Two borrowers can refi together
    Married couples (and those in unique situations) can refinance their student loans together into just one loan. This is great if one partner has better credit and income. Both can take advantage of that and get the better rate.

  • Referral bonus
    With each friend you successfully refer to Splash Financial, you both receive a $250 cash bonus.

Other Benefits:

  • No origination fees or prepayment penalty
  • Loan amounts of $5,000 - no maximum
  • Terms of 5, 7, 8, 10, 12, 15, and 20 years
  • 0.25% rate discount rate with auto-pay
  • Refinance federal, private, and Parent PLUS loans

Other Options for Student Loan Refinance

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iHelp:
They provide clients with transparency and personal help. Soon they will issue Parent Plus loans for students' parents, too.

iHelp offers three repayment options while you're in school:

  • Deferment
  • Interest-only payments
  • Standard interest/principal payments.

Purefy:
Purefy partners with different student loan refinance lenders. You can qualify for loans and compare rates from multiple lenders with just one application. Purefy offers these services:

  • Private student loans
  • Student loan refinance
  • Parent loan refinance

College Ave:
This company allows for flexible payments, including interest-only or full principal and interest. There are 11 loan terms to choose from, starting from 5 years to 15 years.

Do Banks Refinance Student Loans?

Only a handful of traditional banks do student loan refinancing if you'd rather get a loan backed by a bank. Here are the banks that offer this service:

Discover
This popular online bank also provides student loan refinancing. It allows borrowers to consolidate and refinance even while still in school. And you can choose which loans you want to refinance.

Wells Fargo
Well Fargo Bank has a decent student loan refinancing program with great discounts. There are 2 ways to get an interest rate reduction.

You get up to 0.50% discount if you (or your co-signer) are a Wells Fargo checking customer. And you can get another 0.25% off when you enroll in auto payments.

Citizens Bank
Citizens Bank offers some of the lowest fixed and variable interest rate for student loan refinance.

Another big plus is that Citizens Bank can qualify you for refinance even if you didn't finish school. You just need to have made 12 consecutive on-time payments on your current loan.

First Republic
This bank has some of the lowest fixed rates, as well as an amazing incentive for paying your loan off early. If you can pay back in full within 4 years, you earn back the interest paid on the loan (up to 2% of the original loan balance).

PNC Bank
We would say PNC's Education Refinance Loan does not have the best rates and terms. And it has tougher requirements: borrowers need at least 24 months of repayment history and 2 years of steady employment.

It offers a 0.50% rate reduction when you set up auto payments. Choose between a 10 or 15-year repayment term.

PenFed Credit Union
They offer lower interest rates than other banks. It even refinances Parent PLUS loans and allows spouses to combine their loans.

You can be a member of PenFed Credit Union by joining Voices for America's Troops for a small membership fee.

Does Chase do student loan refinance?
Chase used to offer private student loans, but stopped in 2013. In 2017, all Chase student loans were sold to Navient.

What to Look for in a Student Refinance Loan

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Consider these factors when choosing the best student loan refinance for you:

  1. Low interest
    You want the lowest possible interest rate. Your rate will depend on your credit and income. Don't be afraid to shop around.

  2. Steady rates
    Consider whether you want fixed or variable interest rates.

    • Fixed rate loans won't change for the whole term of the loan. This is best if you're not sure how long you'll need to pay off the debt.

    • Variable rates are usually lower to start but may increase over time. This could be better if you have a shorter loan term and don't think interest rates will increase in the near future. Otherwise, your monthly payment amounts may rise.

    Some lenders may let you switch between fixed and variable rates. So for example, you may want to switch to variable when you're closer to pay-off.

  3. Length of the loan term
    Most student loan refinance lenders offer repayment terms such as 5, 7, 10, 15, and 20 years.

    A shorter repayment term will get you out of debt sooner, but the monthly payments will be higher. A longer term will be more affordable, but it means more interest. Pick a loan term with payments you can afford.

    The lenders on our list all have no prepayment penalties. Steer clear of those that do.

  4. No fees
    You shouldn't pay application or underwriting fees. None of the lenders on our list all charge origination fees.

Why Refinance Your Student Loans?

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Pay less interest
Saving money is the best (and most popular) reason to refinance student loans. If you can obtain a lower interest rate, you'll save thousands on interest over the life of the loan. This will reduce your overall loan balance.

Over 44 million college graduates hold student loans. The average borrower has nearly $38,000 in student debt.

That's a monthly payment of about $382 for 10 years. If that's just not affordable, refinancing may help.

Simplify payments
Many borrowers refinance to make managing multiple student loans easier. When you bring several loans together, you'll only have one monthly payment to pay.

Pay off early
Most student loan refinances don't have a prepayment penalty. You can get ahead by paying your loans off early, which means paying less interest overall.

Should You Refinance Your Student Loans

Before you refinance student loans, think about whether it's right for you. Be sure to consider these factors:

  1. Do you have federal student loans?
    If you have federal loans, options like income-driven repayment plans or loan forgiveness may be better. Refinancing federal loans will make you no longer eligible for federal forgiveness programs.

    Instead, consider consolidating your federal student loans to make repayment more manageable. Private loans have no forgiveness programs so refinancing makes sense.

    Learn more about your options with these articles:

  2. Has your credit improved?
    The goal of refinancing is to get a better rate and loan term. With a better credit score, you'll be able to qualify for a better interest rate.

  3. How long do you have left on the loan?
    If you only have a couple of years left, you've pretty much paid most of the interest by this point. Refinancing probably isn't going to yield much of a benefit at this stage.

What Lenders Are Looking For

Wondering if you'll get approved? Lenders are looking for responsible borrowers who can demonstrate ability to pay back the loan. Here are some things that lenders will look at:

Credit score requirements
This is an overall look at your financial health. A higher credit score can get you a better interest rate on your student loan.

Most lenders want to see a credit score in the high 600s. Lenders like SoFi and Earnest require a minimum credit score of 650.

Income & work status
While there may not be hard-set income requirements, lenders want to see that you have a steady job and paychecks. That way, they know you're capable of making monthly payments. Some lenders may qualify you for refinancing if you have not started working but have a written job offer.

Debt-to-income ratio
You may have other debt in your life, including credit card debt or auto loans. Lenders will look at how much debt you have compared to your earnings.

If you have a lot of debt, they may question your ability to pay your student loan debt on top of all.

Student Loan Refinancing Process

Here's what you can expect the student loan refinancing application process to be like:

1. Get a rate check online
First, fill out some general information, such as your estimated loan balance, degree, and income, etc. The lender will conduct a soft credit check and see if you qualify. Within minutes, you'll have an estimated rate.

A soft credit pull will not affect your credit score.

2. Officially apply
If you like the rate, you'll officially apply and upload supporting documents, like your loan statements, pay stubs, etc.

3. Get the final offer
The lender will then conduct a hard credit pull to come up with your final loan rate and terms options. This will show up on your credit report. You can choose the term you like best.

4. Approve loan
Once you accept and the loan is approved, the lender will pay off your student loans. After that, you will just make one payment to the student loan refinance company each month.

How to Maximize Your Chances for Approval

Consider these ideas when trying to get the best rates when refinancing student loans:

Lower your debt
Pay off as much of your debt as possible, especially unsecured debt like credit cards. The best way to improve your credit score and debt-to-income ratio is to reduce your debt.

Apply to multiple lenders
Shop around so you can see who gives you the best rate. A lot of lenders only do a soft credit check for pre-approval.

All inquires within a 45-day window will be counted as one on your credit report. Once a lender gives you a rate quote, you are under no obligation to take it.

Get a co-signer
If you're unable to obtain a loan on your own, you can get a co-signer (such as a parent). This person will agree to be responsible for your loans if you default, so you must have a good relationship.

If your co-signer has good credit and income, they can help you get approved and/or get a lower interest rate. A lot of lenders offer a cosigner release after a certain period of time. This way, your cosigners won't be forced to stay on your loan until the end.

Other Options

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Before you jump in and refinance, make sure you exhaust your other options. Contact your loan servicer to learn more.

Federal loan forgiveness
Certain programs forgive a portion of your outstanding student loans. If you work in public service, as a teacher, or as a child care provider, inquire about these programs.

They usually require you to enroll in an income-based repayment plan. After a specific period, you may receive forgiveness of the remainder of your loan balances—meaning you don't owe any more money.

Income based repayment plan
If you have federal student loans, you may be eligible for an income-driven repayment plan. The DOE tailors your payments according to how much you earn.

The payments change as your income changes. This typically goes on for 20 years. After that point, most programs forgive the remaining balance.

Leave your loan alone
You can always just stick with the Standard Repayment Plan. If the rate you're paying now is the lowest available in the market, there is no need to refinance. This assumes you can afford the standard payment each month, though.

What is a loan servicer? A loan servicer is the company that handles tasks related to your student loan, including billing. The loan servicer may help you with repayment plans, consolidation, and other options.

Some states offer specialized refinance options, including:

These are just a few—check your state's judicial site for more information. There may also be incentives to using a refinance option within your own state.

Common Questions

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  • What's the difference between refinancing and consolidating?
    Refinancing is when you get a new interest rate and loan term based on your credit. You can combine both federal and private student loans. It's through a private lender.

    Consolidating is for federal student loans only. It means lumping multiple loans into one single loan. You'll pay a weighted average of all interest rates on your loans. It's through the federal government.

  • Is it better to consolidate refinance student loans?
    Refinancing student loans allows you to find a better rate and term, which can save you a ton in interest. However, once you refinance, you are ineligible for forgiveness, so make sure you don't plan to apply for any loan forgiveness programs.

    Consolidating doesn't usually save you money; it simply reorganizes your student debts. It's a good option if you need to make your federal loans more manageable.

    With consolidation, you may enter an income-driven repayment plan, which usually offer 20-year repayment terms.

  • Is it worth it to refinance student loans?
    Refinancing student loans can save borrowers a lot of money in the long run. You can get a lower interest rate, which can save thousands in interest.

    It can also simplify your payments by grouping multiple loans into just one new loan with one single monthly payment. But there are some situations when refinancing is not worth it:

    • If you're planning to apply for forgiveness programs
    • If you can't afford payments and want to apply for income-based repayment plans
    • If you have bad credit and won't qualify for a low rate
    • If you are almost done with paying back the loans

  • Are fixed or variable rates better?
    Fixed rates remain the same for your entire loan term, so it may be better if you have a longer term. You'll get security that your rates won't increase.

    Variable rates are lower but may increase with the market. It could be a good choice if you're looking for the lowest interest rate and have a shorter term.

  • Does it cost money to refinance student loans?
    None of the student loan refinance lenders on our list charge an application or origination fee. So it will not cost anything to apply and secure a loan. There are also no prepayment fees, so it won't cost money to pay your loans off early.

  • What credit score do you need to get approved?
    It goes without saying, the higher your score the better. Each lender has their own requirements. Basically, they don't want late payments, collections, or any type of default on your credit report.

    Typically, lenders want to see credit scores in the high 600s. However, the lenders we chose don't focus solely on your credit score. They also look at your employment history, savings patterns, and potential for the future.

  • How do you prove you can afford the refinance?
    The lender will ask you for appropriate documents. Be prepared to show your last few paystubs and tax returns.

    Lenders will look for consistent income and employment over the last year or so. They don't base your approval solely on how much you earn, but it does play a big role.

  • How do you qualify to refinance?
    Usually, the requirements are that you're least 18, have obtained a degree, and have a stable job. Then just visit one or more of the websites suggested above and fill in your information. You can get pre-approvals without doing a hard pull on your credit.

    You will receive offers for loan refinancing. You will still need to officially apply to get your final rate. Make sure you read and understand the rates and terms of your offer(s). Finally, accept the terms of your chosen loan refinance offer, and get on your way to lower student loan interest rates.

  • When should you refinance your student loans?
    Student loan refinance is a smart idea if you have high interest rates on your student loans AND you don't plan to apply for forgiveness programs. Refinance as soon as you have a strong credit score and a stable job. This will ensure that you qualify for the best rates.

  • Can student loans be forgiven?
    There are a variety of loan forgiveness programs. The federal government offers 4 income-driven repayment plans. You can get the rest of your loans forgiven after making 20-25 years of payments.

    There are also lots of forgiveness programs for those who work in certain sectors, like teachers, nurses, and doctors.

    You can get portions of your loans forgiven when you work for a certain number of years. Typically, you must work in an underserved area.

  • Does refinancing your student loans hurt your credit?
    Typically, the lender will first do a soft credit check to see if you qualify for refinancing, which does not hurt your credit. Once you decide to officially apply, the lender will have to do a hard check. But that only affects your credit score by a couple of points.

    All inquiries within 45 days are typically treated as one inquiry on your credit report.

  • Is it good to get a co-signer?
    If you have a strong credit profile and financial stability, then you do not need a co-signer. It's better to just apply on your own so you don't burden someone else.

    But for borrowers who may not meet credit requirements, then a cosigner may help you get approved. You may also get better rates and terms with the help of a cosigner.

  • Do student loans affect credit score while still in school?
    Your student loans will show up on your credit report while you're in school, but they will not affect your credit score. Usually, you get a 6-month grace period after graduation before you need to start paying.

    If you do decide to start making payments while in school, then this will only have a positive effect on your credit score as you make on-time monthly payments.

  • Can defaulted student loans be removed from credit report?
    Typically, a delinquency or default of any kind will stay on your credit report for 7 years. But there is a way to get your student loan default removed sooner under the rehabilitation program.

    This can only be done once for federal loans. You agree to a payment amount and must make on-time payments for 9 months. Then the default status will be removed and your credit history restored.

  • Can you refinance student loans without a degree?
    Most lenders do require a completed degree for student loan refinance. However, Citizens Bank is one of the few lenders who will refinance even if you never finished school.

    You must make at least 12 consecutive, on-time monthly payments on your current loans before applying.

  • Do you have to graduate to refinance student loans?
    Typically, lenders require that you have graduated. Without graduating, lenders don't know if you will be able to find a job or your earning potential. There are some lenders who allow you to start refinancing even when you're still a student.

    Earnest can qualify you for refinance starting from your final semester of school. You must need a written job offer that starts within 6 months (or already have consistent income).

  • How can I reduce my student loan debt?
    You can reduce your student loans by one of two ways: pay them off faster, or find ways to get them forgiven.

    If you don't plan to apply for any forgiveness programs, then find ways to pay off the loans faster so that there's less interest. Some ways include:

    • Refinance student loans to a lower interest rate
    • Ask about employer reimbursement
    • Pay more than the monthly payment
    • Pay ahead of time, or make an extra payment each month
    • Make more money, like getting a side job or renting out a spare room
    • Apply any tax returns or gift money to your student loan debt

Bottom Line

Student loan refinancing is a great way for borrowers to reduce their interest rates and get a better term. Compare each student loan refinance lender carefully before making your choice. Each lender will have their own requirements and features. Remember that you can shop around to see who will give you the lowest interest rate and best term.

Write to Kim P at feedback@creditdonkey.com. Follow us on Twitter and Facebook for our latest posts.

Note: This website is made possible through financial relationships with some of the products and services mentioned on this site. We may receive compensation if you shop through links in our content. You do not have to use our links, but you help support CreditDonkey if you do.

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