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class="page-loan d1" role="main" itemscope itemtype="http://schema.org/Article"> <meta itemprop="name headline" content="Student Loan Refinancing"> <div itemscope="" itemprop="author" itemtype="http://schema.org/Person"> <meta itemprop="image" content="https://educationdata.org/wp-content/uploads/2021/07/melanie-hanson-300x300-1.jpeg"/> <meta itemprop="name" content="Melanie Hanson"> <meta itemprop="url" content="https://educationdata.org/melanie-hanson"> </div> <meta itemprop="datePublished" content="2021-07-16GMT+000016:09:03+00:00"> <div itemprop="publisher" itemscope itemtype="https://schema.org/Organization"> <div itemprop="logo" itemscope itemtype="https://schema.org/ImageObject"> <meta itemprop="url" content="https://educationdata.org/wp-content/themes/educationdata/assets/img/logo-top.webp"> <meta itemprop="width" content="270"> <meta itemprop="height" content="17"> </div> <meta itemprop="name" content="Melanie Hanson"> </div> <meta itemprop="dateModified" content="2025-01-04GMT+000023:00:19+00:00"> <meta itemprop="mainEntityOfPage" content="https://educationdata.org"> <meta itemprop="image" content="https://educationdata.org/wp-content/themes/educationdata/assets/img/logo-top.webp"> <header class="page-loan__header"> <div class="container"> <div class="page-loan__header-content"> <h1 style="font-size: 16px; font-family: publicsans-regular-webfont,Arial,sans-serif;"><strong>REFINANCE STUDENT LOANS</strong></h1> <p style="font-size: 42px; margin-top: 20px; line-height: 130%; font-family: publicsans-black-webfont,Arial,sans-serif;">Refinance on <span style="color: #90b0e2;">your</span> terms, not <span style="color: #90b0e2;">theirs</span>.</p> <blockquote> <p style="font-size: 15px;">A special report from EducationData.org</p> </blockquote> <p>Find out which of these dozens of lenders we investigated has the lowest refinancing rates and the most honest lending terms.</p> <button class="btn btn-danger page-loan__header-btn"> Compare Rates & Rankings </button> </div> </div> </header> <div class="page-loan__recommended d1"> <div class="container"> <div class="entry-content"> <header class="header"> <p> <span class="updated"> Last Updated: </span> <strong class="date"> January 4, 2025 </strong> <span class="cite_block"> by <strong class="author"> Melanie hanson </strong> <span class="sep"></span> <button class="btn btn-link btn-header-popover" data-content="<p contenteditable1='true'>Hanson, Melanie. “Student Loan Refinancing” EducationData.org, January 4, 2025,<br />https://educationdata.org/student-loan-refinancing</p>"> Cite this Webpage </button> </span> </p> </header> <article class="maincontent"> <h2>Best Student Loan Refinancing Companies</h2> <table class="table-responsive-loan" style="border-collapse: collapse; width: 100%;"> <tbody> <tr> <th style="width: 32.5%;">Lender</th> <th style="width: 10%; text-align: center;">Rating</th> <th style="width: 22.3%;">Fixed APR</th> <th style="width: 22.3%;">Variable APR</th> <th style="text-align: center;">Apply</th> </tr> <tr> <td><span class="responsive-visible"> Lender </span><br /> <span class="desktop-visible"><br /> RISLA<br /> </span></td> <td style="text-align: center;"><span class="responsive-visible">Rating </span><br /> <span class="desktop-visible"><br /> <span class="circle green">A</span><br /> </span></td> <td><span class="responsive-visible"> Fixed APR </span><br /> <span class="desktop-visible"><br /> 6.34% – 8.54%<br /> </span></td> <td><span class="responsive-visible"> Variable APR </span><br /> <span class="desktop-visible"><br /> None <br /> </span></td> <td style="text-align: center;"><span class="responsive-visible"> Website </span><br /> <span class="desktop-visible"><br /> <a href="https://www.risla.com/refi-loans">Link</a><br /> </span></td> </tr> <tr> <td><span class="responsive-visible">Lender </span><br /> <span class="desktop-visible"><br /> Brazos<br /> </span></td> <td style="text-align: center;"><span class="responsive-visible">Rating </span><br /> <span class="desktop-visible"><br /> <span class="circle green">A-</span><br /> </span></td> <td><span class="responsive-visible"> Fixed APR </span><br /> <span class="desktop-visible"><br /> 3.85% – 6.90%<br /> </span></td> <td><span class="responsive-visible"> Variable APR</span><br /> <span class="desktop-visible"><br /> 4.55% – 5.70%<br /> </span></td> <td style="text-align: center;"><span class="responsive-visible"> Website </span><br /> <span class="desktop-visible"><br /> <a href="https://studentloans.com/student-loan-refinance.html">Link</a><br /> </span></td> </tr> <tr> <td><span class="responsive-visible"> Lender</span><br /> <span class="desktop-visible"><br /> ELFI<br /> </span></td> <td style="text-align: center;"><span class="responsive-visible"> Rating </span><br /> <span class="desktop-visible"><br /> <span class="circle green">A-</span><br /> </span></td> <td><span class="responsive-visible">Fixed APR </span><br /> <span class="desktop-visible"><br /> 4.88% – 8.44%<br /> </span></td> <td><span class="responsive-visible"> Variable APR</span><br /> <span class="desktop-visible"><br /> 4.86% – 8.24%<br /> </span></td> <td style="text-align: center;"><span class="responsive-visible"> Website </span><br /> <span class="desktop-visible"><br /> <a href="https://www.elfi.com/">Link</a><br /> </span></td> </tr> <tr> <td><span class="responsive-visible"> Lender</span><br /> <span class="desktop-visible"><br /> Credible<br /> </span></td> <td style="text-align: center;"><span class="responsive-visible"> Rating </span><br /> <span class="desktop-visible"><br /> <span class="circle green">A-</span><br /> </span></td> <td><span class="responsive-visible">Fixed APR </span><br /> <span class="desktop-visible"><br /> 3.85% – 12.10%<br /> </span></td> <td><span class="responsive-visible"> Variable APR</span><br /> <span class="desktop-visible"><br /> 4.55% – 13.30%<br /> </span></td> <td style="text-align: center;"><span class="responsive-visible"> Website </span><br /> <span class="desktop-visible"><br /> <a href="https://www.credible.com/refinance/prequal/signup">Link</a><br /> </span></td> </tr> <tr> <td><span class="responsive-visible">Lender</span><br /> <span class="desktop-visible">Advantage</span></td> <td style="text-align: center;"><span class="responsive-visible">Rating</span><br /> <span class="desktop-visible"><br /> <span class="circle lightgreen">B+</span><br /> </span></td> <td><span class="responsive-visible"> Fixed APR </span><br /> <span class="desktop-visible"><br /> 5.70% – 9.99%<br /> </span></td> <td><span class="responsive-visible"> Variable APR </span><br /> <span class="desktop-visible"> None </span></td> <td style="text-align: center;"><span class="responsive-visible"> Website </span><br /> <span class="desktop-visible"> <a href="https://www.advantageeducationloan.com/ael/ael/refi/home.faces">Link</a> </span></td> </tr> </tbody> </table> </article> </div> </div> </div> <div class="page-loan__howto"> <div class="container"> <h2 class="page-loan__howto-title"> How to Refinance Your Student Loans </h2> <div class="page-loan__howto-list"> <div class="page-loan__howto-item"> <div class="content"> <div class="number"> 1 </div> <p class="h4">Make sure refinancing makes sense for YOU.</p> <ul> <li><strong>Know the drawbacks</strong>. Refinancing could mean losing certain federal protections, such as payment postponement options and access to federal loan forgiveness programs. <a class="readmore-arrow" href="https://educationdata.org/should-i-refinance-my-student-loans"><span></span></a></li> <li><strong>Understand your situation</strong>. If your finances have worsened since you originated the loan (i.e. loss of income, lower credit score, etc.), you may not qualify for better payment terms without a co-signer than you currently have. <a class="readmore-arrow" href="https://educationdata.org/reasons-for-high-refinance-rates"><span></span></a></li> </ul> </div> <div class="image"> <picture> <source aria-label="How to image" type="image/webp" data-srcset="https://educationdata.org/wp-content/uploads/7202/how-to-image-1.webp"> <source aria-label="How to image" type="image/png" data-srcset="https://educationdata.org/wp-content/uploads/7202/how-to-image-1.png"> <img width="311" height="289" src="https://educationdata.org/wp-content/uploads/7202/smallest-how-to-image-1.png" style="background-color: transparent;" alt="How to image"> </picture> </div> </div> <div class="page-loan__howto-item"> <div class="content"> <div class="number"> 2 </div> <p class="h4">Check rates.</p> <ul> <li><strong>Use our rankings to create a list of lenders to apply to</strong>. The longer the list, the more options you’ll have.</li> <li><strong>Provide basic personal information to obtain quotes</strong>. Lenders can’t give specifics without knowing more about you.</li> </ul> </div> <div class="image"> <picture> <source aria-label="How to image" type="image/webp" data-srcset="https://educationdata.org/wp-content/uploads/7202/how-to-image-2.webp"> <source aria-label="How to image" type="image/png" data-srcset="https://educationdata.org/wp-content/uploads/7202/how-to-image-2.png"> <img width="284" height="142" src="https://educationdata.org/wp-content/uploads/7202/smallest-how-to-image-2.png" style="background-color: transparent;" alt="How to image"> </picture> </div> </div> <div class="page-loan__howto-item"> <div class="content"> <div class="number"> 3 </div> <p class="h4">Review your options.</p> <ul> <li><strong>Read our in-depth reviews for each of the lenders that offer acceptable rates and terms.</strong> The devil is always in the details. <a class="readmore-arrow" href="https://educationdata.org/about-our-ratings-reviews"><span></span></a></li> <li><strong>Decide on loan terms that work for you</strong>. Choose a fixed or variable rate, how long you want the repayment period to be and other term options provided. <a class="readmore-arrow" href="https://educationdata.org/how-to-choose-a-student-loan"><span></span></a></li> </ul> </div> <div class="image"> <picture> <source aria-label="How to image" type="image/webp" data-srcset="https://educationdata.org/wp-content/uploads/7202/how-to-image-3.webp"> <source aria-label="How to image" type="image/png" data-srcset="https://educationdata.org/wp-content/uploads/7202/how-to-image-3.png"> <img width="415" height="234" src="https://educationdata.org/wp-content/uploads/7202/smallest-how-to-image-3.png" style="background-color: transparent;" alt="How to image"> </picture> </div> </div> <div class="page-loan__howto-item"> <div class="content"> <div class="number"> 4 </div> <p class="h4">Choose a lender.</p> <ul> <li><strong>Complete the application.</strong> Provide additional documents and give permission for a hard credit check to allow the lender to provide final terms. <a class="readmore-arrow" href="https://educationdata.org/how-refinancing-affects-credit-score"><span></span></a></li> <li><strong>Wait for approval.</strong> If you’re denied, the lender must provide written notice explaining the reason for the rejection. <a class="readmore-arrow" href="https://educationdata.org/what-is-an-adverse-action-notice"><span></span></a></li> </ul> </div> <div class="image"> <picture> <source aria-label="How to image" type="image/webp" data-srcset="https://educationdata.org/wp-content/uploads/7202/how-to-image-4.webp"> <source aria-label="How to image" type="image/png" data-srcset="https://educationdata.org/wp-content/uploads/7202/how-to-image-4.png"> <img width="331" height="221" src="https://educationdata.org/wp-content/uploads/7202/smallest-how-to-image-4.png" style="background-color: transparent;" alt="How to image"> </picture> </div> </div> <div class="page-loan__howto-item"> <div class="content"> <div class="number"> 5 </div> <p class="h4">Finalize the loan.</p> <ul> <li><strong>Sign the final documents</strong>. Once approved, sign to formally accept the loan. You’ll then have three days to back out if you get cold feet. <a class="readmore-arrow" href="https://educationdata.org/right-to-rescind-a-refinance-loan"><span></span></a></li> <li><strong>Continue existing payments until payoff</strong>. Keep making payments until your previous lender provides confirmation that their loan has been paid in full.</li> </ul> </div> <div class="image"> <picture> <source aria-label="How to image" type="image/webp" data-srcset="https://educationdata.org/wp-content/uploads/7202/how-to-image-5.webp"> <source aria-label="How to image" type="image/png" data-srcset="https://educationdata.org/wp-content/uploads/7202/how-to-image-5.png"> <img width="338" height="312" src="https://educationdata.org/wp-content/uploads/7202/smallest-how-to-image-5.png" style="background-color: transparent;" alt="How to image"> </picture> </div> </div> </div> </div> </div> <div class="page-loan__main"> <div class="container"> <div class="entry-content"> <article itemprop="articleBody"> <h2>Lenders & Refinance Rates</h2> <p>Below is a list of the lenders we researched and reviewed, sorted by lowest available fixed APR. Click on a lender’s name to learn more about our findings.</p> <p><em><strong>Note</strong>: the APRs below include any available discount, such as a 0.25% reduction for setting up automatic payments.</em></p> <table class="table-responsive-loan" style="border-collapse: collapse; width: 100%;"> <tbody> <tr> <th style="width: 30.2%;">Lender</th> <th style="width: 10.6%; text-align: center;">Rating</th> <th style="width: 30.2%;">Fixed APR</th> <th style="width: 30%;">Variable APR</th> </tr> <tr> <td><span class="responsive-visible"> Lender </span> <span class="desktop-visible"> <a href="#sparrow">Sparrow</a> </span></td> <td style="text-align: center;"><span class="responsive-visible"> Rating </span> <span class="desktop-visible"> <span class="circle yellow">C+</span> </span></td> <td><span class="responsive-visible"> Fixed APR </span> <span class="desktop-visible"> 0.50% – 12.95% </span></td> <td><span class="responsive-visible"> Variable APR </span> <span class="desktop-visible"> 4.55% – 12.38% </span></td> </tr> <tr> <td><span class="responsive-visible"> Lender </span> <span class="desktop-visible"> <a href="#yrefy">Yrefy</a> </span></td> <td style="text-align: center;"><span class="responsive-visible"> Rating </span> <span class="desktop-visible"> <span class="circle yellow">C+</span> </span></td> <td><span class="responsive-visible"> Fixed APR </span> <span class="desktop-visible"> 1.0% – 6.0% </span></td> <td><span class="responsive-visible"> Variable APR </span> <span class="desktop-visible">None</span></td> </tr> <tr> <td><span class="responsive-visible"> Lender </span> <span class="desktop-visible"> <a href="#sc-student-loan">SC Student Loan</a> </span></td> <td style="text-align: center;"><span class="responsive-visible"> Rating </span> <span class="desktop-visible"> <span class="circle yellow">C+</span> </span></td> <td><span class="responsive-visible"> Fixed APR </span> <span class="desktop-visible"> 2.99% – 9.25% </span></td> <td><span class="responsive-visible"> Variable APR </span> <span class="desktop-visible"> None </span></td> </tr> <tr> <td><span class="responsive-visible"> Lender </span> <span class="desktop-visible"> <a href="#cu-student-choice">CU Student Choice</a> </span></td> <td style="text-align: center;"><span class="responsive-visible"> Rating </span> <span class="desktop-visible"> <span class="circle yellow">C</span> </span></td> <td><span class="responsive-visible"> Fixed APR </span> <span class="desktop-visible"> 3.59%+ </span></td> <td><span class="responsive-visible"> Variable APR </span> <span class="desktop-visible"> 4.99%+ </span></td> </tr> <tr> <td><span class="responsive-visible"> Lender </span> <span class="desktop-visible"> <a href="#brazos">Brazos</a> </span></td> <td style="text-align: center;"><span class="responsive-visible"> Rating </span> <span class="desktop-visible"> <span class="circle green">A-</span> </span></td> <td><span class="responsive-visible"> Fixed APR </span> <span class="desktop-visible"> 3.85% – 6.90% </span></td> <td><span class="responsive-visible"> Variable APR </span> <span class="desktop-visible"> 4.55% – 5.70% </span></td> </tr> <tr> <td><span class="responsive-visible"> Lender </span> <span class="desktop-visible"> <a href="#credible">Credible</a> </span></td> <td style="text-align: center;"><span class="responsive-visible"> Rating </span> <span class="desktop-visible"> <span class="circle green">A-</span> </span></td> <td><span class="responsive-visible"> Fixed APR </span> <span class="desktop-visible"> 3.85% – 12.10% </span></td> <td><span class="responsive-visible"> Variable APR </span> <span class="desktop-visible">4.55% – 13.30%</span></td> </tr> <tr> <td><span class="responsive-visible"> Lender </span> <span class="desktop-visible"> <a href="#navirefi">NaviRefi</a> </span></td> <td style="text-align: center;"><span class="responsive-visible"> Rating </span> <span class="desktop-visible"> <span class="circle orange">D-</span> </span></td> <td><span class="responsive-visible"> Fixed APR </span> <span class="desktop-visible"> 3.95% – 9.99% </span></td> <td><span class="responsive-visible"> Variable APR </span> <span class="desktop-visible"> 5.89% – 9.99% </span></td> </tr> <tr> <td><span class="responsive-visible"> Lender </span> <span class="desktop-visible"> <a href="#earnest">Earnest</a> </span></td> <td style="text-align: center;"><span class="responsive-visible"> Rating </span> <span class="desktop-visible"> <span class="circle yellow">C+</span> </span></td> <td><span class="responsive-visible"> Fixed APR </span> <span class="desktop-visible"> 4.20% – 9.99% </span></td> <td><span class="responsive-visible"> Variable APR </span> <span class="desktop-visible"> 6.14% – 9.99% </span></td> </tr> <tr> <td><span class="responsive-visible"> Lender </span> <span class="desktop-visible"> <a href="#splash-financial">Splash Financial</a> </span></td> <td style="text-align: center;"><span class="responsive-visible"> Rating </span> <span class="desktop-visible"> <span class="circle lightgreen">B</span> </span></td> <td><span class="responsive-visible"> Fixed APR </span> <span class="desktop-visible"> 4.39% – 10.24% </span></td> <td><span class="responsive-visible"> Variable APR </span> <span class="desktop-visible"> 4.86% – 10.24% </span></td> </tr> <tr> <td><span class="responsive-visible"> Lender </span> <span class="desktop-visible"> <a href="#supermoney">SuperMoney</a> </span></td> <td style="text-align: center;"><span class="responsive-visible"> Rating </span> <span class="desktop-visible"> <span class="circle yellow">C</span> </span></td> <td><span class="responsive-visible"> Fixed APR </span> <span class="desktop-visible"> 4.42% – 14.00%</span></td> <td><span class="responsive-visible"> Variable APR </span> <span class="desktop-visible"> 4.42% – 14.00%</span></td> </tr> <tr> <td><span class="responsive-visible"> Lender </span> <span class="desktop-visible"> <a href="#purefy">Purefy</a> </span></td> <td style="text-align: center;"><span class="responsive-visible"> Rating </span> <span class="desktop-visible"> <span class="circle lightgreen">B-</span> </span></td> <td><span class="responsive-visible"> Fixed APR </span> <span class="desktop-visible"> 4.49% – 9.74% </span></td> <td><span class="responsive-visible"> Variable APR </span> <span class="desktop-visible"> 5.09% – 9.74% </span></td> </tr> <tr> <td><span class="responsive-visible"> Lender </span> <span class="desktop-visible"> <a href="#sofi">SoFi</a> </span></td> <td style="text-align: center;"><span class="responsive-visible"> Rating </span> <span class="desktop-visible"> <span class="circle lightgreen">B-</span> </span></td> <td><span class="responsive-visible"> Fixed APR </span> <span class="desktop-visible"> 4.49% – 10.49% </span></td> <td><span class="responsive-visible"> Variable APR </span> <span class="desktop-visible"> 5.99% – 10.49% </span></td> </tr> <tr> <td><span class="responsive-visible"> Lender </span> <span class="desktop-visible"> <a href="#navy-federal">Navy Federal Credit Union</a> </span></td> <td style="text-align: center;"><span class="responsive-visible"> Rating </span> <span class="desktop-visible"> <span class="circle yellow">C</span> </span></td> <td><span class="responsive-visible"> Fixed APR </span> <span class="desktop-visible"><br /> 4.85% – 12.05% </span></td> <td><span class="responsive-visible"> Variable APR </span> <span class="desktop-visible"> 5.58% – 12.63% </span></td> </tr> <tr> <td><span class="responsive-visible"> Lender </span> <span class="desktop-visible"> <a href="#pa-forward">PA Forward</a> </span></td> <td style="text-align: center;"><span class="responsive-visible"> Rating </span> <span class="desktop-visible"> <span class="circle yellow">C-</span> </span></td> <td><span class="responsive-visible"> Fixed APR </span> <span class="desktop-visible"><br /> 4.86% – 10.18% </span></td> <td><span class="responsive-visible"> Variable APR </span> <span class="desktop-visible"> None </span></td> </tr> <tr> <td><span class="responsive-visible"> Lender </span> <span class="desktop-visible"> <a href="#elfi">ELFI</a> </span></td> <td style="text-align: center;"><span class="responsive-visible"> Rating </span> <span class="desktop-visible"> <span class="circle green">A-</span> </span></td> <td><span class="responsive-visible"> Fixed APR </span> <span class="desktop-visible"> 4.88% – 8.44% </span></td> <td><span class="responsive-visible"> Variable APR </span> <span class="desktop-visible"> 4.86% – 8.24% </span></td> </tr> <tr> <td><span class="responsive-visible"> Lender </span> <span class="desktop-visible"> <a href="#lendkey">LendKey</a> </span></td> <td style="text-align: center;"><span class="responsive-visible"> Rating </span> <span class="desktop-visible"> <span class="circle lightgreen">B</span> </span></td> <td><span class="responsive-visible"> Fixed APR </span> <span class="desktop-visible"> 4.89% – 9.29% </span></td> <td><span class="responsive-visible"> Variable APR </span> <span class="desktop-visible"> 4.82%+ </span></td> </tr> <tr> <td><span class="responsive-visible"> Lender </span> <span class="desktop-visible"> <a href="#nelnet-bank">Nelnet Bank</a> </span></td> <td style="text-align: center;"><span class="responsive-visible"> Rating </span> <span class="desktop-visible"> <span class="circle yellow">C-</span> </span></td> <td><span class="responsive-visible"> Fixed APR </span> <span class="desktop-visible"> 4.99% – 9.39% </span></td> <td><span class="responsive-visible"> Variable APR </span> <span class="desktop-visible"> 5.99% – 9.36% </span></td> </tr> <tr> <td><span class="responsive-visible"> Lender </span> <span class="desktop-visible"> <a href="#isl">ISL</a> </span></td> <td style="text-align: center;"><span class="responsive-visible"> Rating </span> <span class="desktop-visible"> <span class="circle yellow">C</span> </span></td> <td><span class="responsive-visible"> Fixed APR </span> <span class="desktop-visible"> 5.14% – 9.65% </span></td> <td><span class="responsive-visible"> Variable APR </span> <span class="desktop-visible"> None </span></td> </tr> <tr> <td><span class="responsive-visible"> Lender </span> <span class="desktop-visible"> <a href="#laurel-road">Laurel Road</a> </span></td> <td style="text-align: center;"><span class="responsive-visible"> Rating </span> <span class="desktop-visible"> <span class="circle lightgreen">B+</span> </span></td> <td><span class="responsive-visible"> Fixed APR </span> <span class="desktop-visible"> 5.24% – 9.40% </span></td> <td><span class="responsive-visible"> Variable APR </span> <span class="desktop-visible"> 5.54% – 9.70% </span></td> </tr> <tr> <td><span class="responsive-visible"> Lender </span> <span class="desktop-visible"> <a href="#uw-credit-union">UW Credit Union</a> </span></td> <td style="text-align: center;"><span class="responsive-visible"> Rating </span> <span class="desktop-visible"> <span class="circle lightgreen">B</span> </span></td> <td><span class="responsive-visible"> Fixed APR </span> <span class="desktop-visible"> 5.64%+ </span></td> <td><span class="responsive-visible"> Variable APR </span> <span class="desktop-visible"> 6.31%+ </span></td> </tr> <tr> <td><span class="responsive-visible"> Lender </span> <span class="desktop-visible"> <a href="#advantage">Advantage</a> </span></td> <td style="text-align: center;"><span class="responsive-visible"> Rating </span> <span class="desktop-visible"> <span class="circle lightgreen">B+</span> </span></td> <td><span class="responsive-visible"> Fixed APR </span> <span class="desktop-visible"> 5.70% – 10.69% </span></td> <td><span class="responsive-visible"> Variable APR </span> <span class="desktop-visible"> None </span></td> </tr> <tr> <td><span class="responsive-visible"> Lender </span> <span class="desktop-visible"> <a href="#pnc-bank">PNC Bank</a> </span></td> <td style="text-align: center;"><span class="responsive-visible"> Rating </span> <span class="desktop-visible"> <span class="circle yellow">C-</span> </span></td> <td><span class="responsive-visible"> Fixed APR </span> <span class="desktop-visible"> 5.79% – 15.54% </span></td> <td><span class="responsive-visible"> Variable APR </span> <span class="desktop-visible"> 6.94% – 17.14% </span></td> </tr> <tr> <td><span class="responsive-visible"> Lender </span> <span class="desktop-visible"> <a href="#citizens-bank">Citizens Bank</a> </span></td> <td style="text-align: center;"><span class="responsive-visible"> Rating </span> <span class="desktop-visible"> <span class="circle yellow">C</span> </span></td> <td><span class="responsive-visible"> Fixed APR </span> <span class="desktop-visible"> 5.89% – 12.10% </span></td> <td><span class="responsive-visible"> Variable APR </span> <span class="desktop-visible"> 6.37% – 13.29% </span></td> </tr> <tr> <td><span class="responsive-visible"> Lender </span> <span class="desktop-visible"> <a href="#ihelp">iHelp (ZuntaFi)</a> </span></td> <td style="text-align: center;"><span class="responsive-visible"> Rating </span> <span class="desktop-visible"> <span class="circle yellow">C</span> </span></td> <td><span class="responsive-visible"> Fixed APR </span> <span class="desktop-visible"> 5.94% – 11.93% </span></td> <td><span class="responsive-visible"> Variable APR </span> <span class="desktop-visible"> 8.17% – 9.40% </span></td> </tr> <tr> <td><span class="responsive-visible"> Lender </span> <span class="desktop-visible"> <a href="#invested">INvestEd</a> </span></td> <td style="text-align: center;"><span class="responsive-visible"> Rating </span> <span class="desktop-visible"> <span class="circle lightgreen">B-</span> </span></td> <td><span class="responsive-visible"> Fixed APR </span> <span class="desktop-visible"> 5.99% – 10.39% </span></td> <td><span class="responsive-visible"> Variable APR </span> <span class="desktop-visible"> 8.52% – 12.65% </span></td> </tr> <tr> <td><span class="responsive-visible"> Lender </span> <span class="desktop-visible"> <a href="#self-refi">SELF Refi</a> </span></td> <td style="text-align: center;"><span class="responsive-visible"> Rating </span> <span class="desktop-visible"> <span class="circle yellow">C</span> </span></td> <td><span class="responsive-visible"> Fixed APR </span> <span class="desktop-visible"> 6.00% – 7.00% </span></td> <td><span class="responsive-visible"> Variable APR </span> <span class="desktop-visible"> 6.80% – 8.05% </span></td> </tr> <tr> <td><span class="responsive-visible"> Lender </span> <span class="desktop-visible"> <a href="#edvestinu">EdvestinU</a> </span></td> <td style="text-align: center;"><span class="responsive-visible"> Rating </span> <span class="desktop-visible"> <span class="circle yellow">C+</span> </span></td> <td><span class="responsive-visible"> Fixed APR </span> <span class="desktop-visible"> 6.00% – 9.99% </span></td> <td><span class="responsive-visible"> Variable APR </span> <span class="desktop-visible"> 7.40% – 9.40% </span></td> </tr> <tr> <td><span class="responsive-visible"> Lender </span> <span class="desktop-visible"> <a href="#mefa">MEFA</a> </span></td> <td style="text-align: center;"><span class="responsive-visible"> Rating </span> <span class="desktop-visible"> <span class="circle yellow">C</span> </span></td> <td><span class="responsive-visible"> Fixed APR </span> <span class="desktop-visible"> 6.20% – 8.99% </span></td> <td><span class="responsive-visible"> Variable APR </span> <span class="desktop-visible"> None </span></td> </tr> <tr> <td><span class="responsive-visible"> Lender </span> <span class="desktop-visible"> <a href="#risla">RISLA</a> </span></td> <td style="text-align: center;"><span class="responsive-visible"> Rating </span> <span class="desktop-visible"> <span class="circle green">A</span> </span></td> <td><span class="responsive-visible"> Fixed APR </span> <span class="desktop-visible"> 6.34% – 8.54% </span></td> <td><span class="responsive-visible"> Variable APR </span> <span class="desktop-visible"> None </span></td> </tr> <tr> <td><span class="responsive-visible"> Lender </span> <span class="desktop-visible"> <a href="#panacea-financial">Panacea Financial</a> </span></td> <td style="text-align: center;"><span class="responsive-visible"> Rating </span> <span class="desktop-visible"> <span class="circle lightgreen">B</span> </span></td> <td><span class="responsive-visible"> Fixed APR </span> <span class="desktop-visible"> 6.50% – 8.25% </span></td> <td><span class="responsive-visible"> Variable APR </span> <span class="desktop-visible"> None </span></td> </tr> <tr> <td><span class="responsive-visible"> Lender </span> <span class="desktop-visible"> <a href="#becu">BECU</a> </span></td> <td style="text-align: center;"><span class="responsive-visible"> Rating </span> <span class="desktop-visible"> <span class="circle yellow">C</span> </span></td> <td><span class="responsive-visible"> Fixed APR </span> <span class="desktop-visible"> 6.99% – 11.74% </span></td> <td><span class="responsive-visible"> Variable APR </span> <span class="desktop-visible"> None </span></td> </tr> <tr> <td><span class="responsive-visible"> Lender </span> <span class="desktop-visible"> <a href="#college-ave">College Ave</a> </span></td> <td style="text-align: center;"><span class="responsive-visible"> Rating </span> <span class="desktop-visible"> <span class="circle yellow">C</span> </span></td> <td><span class="responsive-visible"> Fixed APR </span> <span class="desktop-visible"> 6.99% – 14.24% </span></td> <td><span class="responsive-visible"> Variable APR </span> <span class="desktop-visible"> 6.99% – 14.24% </span></td> </tr> <tr> <td><span class="responsive-visible"> Lender </span> <span class="desktop-visible"> <a href="#first-tech-federal">First Tech Federal</a> </span></td> <td style="text-align: center;"><span class="responsive-visible"> Rating </span> <span class="desktop-visible"> <span class="circle yellow">C</span> </span></td> <td><span class="responsive-visible"> Fixed APR </span> <span class="desktop-visible"> 8.60%+ </span></td> <td><span class="responsive-visible"> Variable APR </span> <span class="desktop-visible"> None </span></td> </tr> <tr> <td><span class="responsive-visible"> Lender </span> <span class="desktop-visible"> <a href="#mpower">Mpower Financing</a> </span></td> <td style="text-align: center;"><span class="responsive-visible"> Rating </span> <span class="desktop-visible"> <span class="circle lightgreen">B-</span> </span></td> <td><span class="responsive-visible"> Fixed APR </span> <span class="desktop-visible"> 11.17% – 11.42% </span></td> <td><span class="responsive-visible"> Variable APR </span> <span class="desktop-visible"> None </span></td> </tr> </tbody> </table> <h3 id="advantage">Advantage</h3> <table class="half" style="border-collapse: collapse; width: 100%;"> <caption>Our Rating: <span class="circle lightgreen">B+</span></caption> <tbody> <tr class="desktop-hidden"> <td style="width: 50%;">Rating:</td> <td style="width: 50%;"> <span class="circle lightgreen">B+</span></td> </tr> <tr> <td style="width: 50%;">Loan Limits:</td> <td style="width: 50%;">$7,500 – $200,000+*</td> </tr> <tr> <td style="width: 50%;">Fixed Rates:</td> <td style="width: 50%;">5.70% – 10.69%</td> </tr> <tr> <td style="width: 50%;">Variable Rates:</td> <td style="width: 50%;">None</td> </tr> <tr> <td style="width: 50%;">Terms:</td> <td style="width: 50%;">10, 15 or 20 years</td> </tr> <tr> <td style="width: 50%;">Min. Credit Score:</td> <td style="width: 50%;">Undisclosed</td> </tr> <tr> <td style="width: 50%;">Misc. Restrictions:</td> <td style="width: 50%;">Service availability may vary by location</td> </tr> <tr> <td style="width: 50%;">Apply</td> <td style="width: 50%;"><a href="https://www.advantageeducationloan.com/ael/ael/refi/home.faces">Link</a></td> </tr> </tbody> </table> <p>*<em>Borrowers need special approval to refinance more than $200,000 in student loans.</em></p> <p>Advantage has very user-friendly policies and may be a good lender for borrowers who struggle financially. Relief options include graduated repayment, loan rehabilitation services, and discretionary financial hardship forbearance. Advantage is also one of the only lenders to truly charge zero fees, with no fees hidden in contract disclosures.</p> <p><strong>For more information on Advantage, read <a class="readmore" href="https://educationdata.org/advantage-student-loan-refinance-review">our full review</a>.</strong></p> <h3 id="becu">BECU</h3> <table class="half" style="border-collapse: collapse; width: 100%;"> <caption>Our Rating: <span class="circle yellow">C</span></caption> <tbody> <tr class="desktop-hidden"> <td style="width: 50%;">Rating:</td> <td style="width: 50%;"> <span class="circle yellow">C</span></td> </tr> <tr> <td style="width: 50%;">Loan Limits:</td> <td style="width: 50%;">$10,000 – $125,000</td> </tr> <tr> <td style="width: 50%;">Fixed Rates:</td> <td style="width: 50%;">6.99% – 11.74%</td> </tr> <tr> <td style="width: 50%;">Variable Rates:</td> <td style="width: 50%;">None</td> </tr> <tr> <td style="width: 50%;">Terms:</td> <td style="width: 50%;">5, 10 or 15 years</td> </tr> <tr> <td style="width: 50%;">Min. Credit Score:</td> <td style="width: 50%;">Undisclosed</td> </tr> <tr> <td style="width: 50%;">Misc. Restrictions:</td> <td style="width: 50%;">Borrowers must be(come) BECU members</td> </tr> <tr> <td style="width: 50%;">Apply</td> <td style="width: 50%;"><a href="https://www.becu.org/loans-and-mortgages/student-loans/refinance-student-loans">Link</a></td> </tr> </tbody> </table> <p>BECU is an established credit union though its website is sparse with details. While credit union membership eligibility is restricted, millions qualify. Online consumer reviews are mixed at best; consumer complaints have risen steadily in the past five years, with a sudden 63% jump in 2020.</p> <p><strong>For more information on BECU, read <a class="readmore" href="https://educationdata.org/becu-student-loan-refinance-review">our full review</a>.</strong></p> <h3 id="brazos">Brazos</h3> <table class="half" style="border-collapse: collapse; width: 100%;"> <caption>Our Rating: <span class="circle green">A-</span></caption> <tbody> <tr class="desktop-hidden"> <td style="width: 50%;">Rating:</td> <td style="width: 50%;"> <span class="circle green">A-</span></td> </tr> <tr> <td style="width: 50%;">Loan Limits:</td> <td style="width: 50%;">$10,000 – $400,000</td> </tr> <tr> <td style="width: 50%;">Fixed Rates:</td> <td style="width: 50%;">3.85% – 6.90%</td> </tr> <tr> <td style="width: 50%;">Variable Rates:</td> <td style="width: 50%;">4.55% – 5.70% (9.90% Cap)</td> </tr> <tr> <td style="width: 50%;">Terms:</td> <td style="width: 50%;">5, 7, 10, 15 or 20 years</td> </tr> <tr> <td style="width: 50%;">Min. Credit Score:</td> <td style="width: 50%;">720 (690 with co-signer)</td> </tr> <tr> <td style="width: 50%;">Misc. Restrictions:</td> <td style="width: 50%;">For Texas residents and alumni only; unavailable to residents of Connecticut, Maryland, New Jersey, Oregon, and South Dakota.</td> </tr> <tr> <td style="width: 50%;">Apply</td> <td style="width: 50%;"><a href="https://studentloans.com/student-loan-refinance.html">Link</a></td> </tr> </tbody> </table> <p>Brazos is a nonprofit direct lender with some of the lowest rates available. Refinancing with Brazos includes repayment options for borrowers who experience financial hardship. Brazos is one of the few refinance lenders to accept applications from nonresidents (with co-signer; only certain visas qualify).</p> <p>Specializing in education loans, Brazos garners consistent positive feedback from industry professionals, consumers, and former employees. Unfortunately, co-signer release is unavailable.</p> <p><strong>For more information on Brazos, read <a class="readmore" href="https://educationdata.org/brazos-student-loan-refinance-review">our full review</a>.</strong></p> <h3 id="citizens-bank">Citizens Bank</h3> <table class="half" style="border-collapse: collapse; width: 100%;"> <caption>Our Rating: <span class="circle yellow">C</span></caption> <tbody> <tr class="desktop-hidden"> <td style="width: 50%;">Rating:</td> <td style="width: 50%;"> <span class="circle yellow">C</span></td> </tr> <tr> <td style="width: 50%;">Loan Limits:</td> <td style="width: 50%;">$10,000 – $750,000</td> </tr> <tr> <td style="width: 50%;">Fixed Rates:</td> <td style="width: 50%;">5.89% – 12.10%</td> </tr> <tr> <td style="width: 50%;">Variable Rates:</td> <td style="width: 50%;">6.37% – 13.29% (21.00% Cap*)</td> </tr> <tr> <td style="width: 50%;">Terms:</td> <td style="width: 50%;">5, 7, 10, 15 or 20 years</td> </tr> <tr> <td style="width: 50%;">Min. Credit Score:</td> <td style="width: 50%;">Undisclosed</td> </tr> <tr> <td style="width: 50%;">Apply</td> <td style="width: 50%;"><a href="https://www.citizensbank.com/promo/refi.aspx?">Link</a></td> </tr> </tbody> </table> <p>*<em>The variable rate cap is the greater of 21.00% or Prime plus 9.00%.</em></p> <p>Citizens Bank is part of Citizens Financial Group, a $180 billion company; its large size may excuse the high rate of complaints filed with the Consumer Financial Protection Bureau (CFPB). User experience varies significantly and seems dependent on interactions with individual customer service representatives; some borrowers report exceptional experiences with knowledgeable staff while many complaints recount frustrating interactions with agents unwilling or unable to answer fundamental questions.</p> <p><strong>For more information on Citizens Bank, read <a class="readmore" href="https://educationdata.org/citizens-bank-student-loan-refinance-review">our full review</a>.</strong></p> <h3 id="college-ave">College Ave</h3> <table class="half" style="border-collapse: collapse; width: 100%;"> <caption>Our Rating: <span class="circle yellow">C</span></caption> <tbody> <tr class="desktop-hidden"> <td style="width: 50%;">Rating:</td> <td style="width: 50%;"> <span class="circle yellow">C</span></td> </tr> <tr> <td style="width: 50%;">Loan Limits:</td> <td style="width: 50%;">$5,000 – $500,000</td> </tr> <tr> <td style="width: 50%;">Fixed Rates:</td> <td style="width: 50%;">6.99% – 14.24%</td> </tr> <tr> <td style="width: 50%;">Variable Rates:</td> <td style="width: 50%;">6.99% – 14.24% (25.00% Cap)</td> </tr> <tr> <td style="width: 50%;">Terms:</td> <td style="width: 50%;">5 to 20 years</td> </tr> <tr> <td style="width: 50%;">Min. Credit Score:</td> <td style="width: 50%;">Undisclosed</td> </tr> <tr> <td style="width: 50%;">Apply</td> <td style="width: 50%;"><a href="https://www.collegeavestudentloans.com/lp/refinance-student-loans/">Link</a></td> </tr> </tbody> </table> <p>Overall, College Ave is an average lender and loan processor with few exceptional offerings. Refinance borrowers have a wide range of term options, and (disclosed) applicant requirements are very reasonable. While 96% of College Ave undergraduate borrowers use co-signers, there is no co-signer release available.</p> <p><strong>For more information on College Ave, read <a class="readmore" href="https://educationdata.org/college-ave-student-loan-refinance-review">our full review</a>.</strong></p> <h3 id="credible">Credible</h3> <table class="half" style="border-collapse: collapse; width: 100%;"> <caption>Our Rating: <span class="circle green">A-</span></caption> <tbody> <tr class="desktop-hidden"> <td style="width: 50%;">Rating:</td> <td style="width: 50%;"> <span class="circle green">A-</span></td> </tr> <tr> <td style="width: 50%;">Loan Limits:</td> <td style="width: 50%;">$5,000+</td> </tr> <tr> <td style="width: 50%;">Fixed Rates:</td> <td style="width: 50%;">3.85% – 12.10%</td> </tr> <tr> <td style="width: 50%;">Variable Rates:</td> <td style="width: 50%;">4.55% – 13.30% (25.00% Cap)</td> </tr> <tr> <td style="width: 50%;">Terms:</td> <td style="width: 50%;">5 to 20 years</td> </tr> <tr> <td style="width: 50%;">Min. Credit Score:</td> <td style="width: 50%;">670 (lowest disclosed)</td> </tr> <tr> <td style="width: 50%;">Apply</td> <td style="width: 50%;"><a href="https://www.credible.com/refinance/prequal/signup">Link</a></td> </tr> </tbody> </table> <p>Credible Operations, Inc. or Credible Labs, Inc. may be the best-known marketplace lender. It may also be one of the most transparent. Credible operates under 21st Century Fox, a subsidiary of The Walt Disney Company.</p> <p>Credible does not finance loans. Instead, it acts as a third-party aggregator that allows student borrowers to compare rates and terms from multiple private lenders with one application.</p> <p><strong>For more information on Credible, read <a class="readmore" href="https://educationdata.org/credible-student-loan-refinance-review">our full review</a>.</strong></p> <h3 id="cu-student-choice">CU Student Choice</h3> <table class="half" style="border-collapse: collapse; width: 100%;"> <caption>Our Rating: <span class="circle yellow">C</span></caption> <tbody> <tr class="desktop-hidden"> <td style="width: 50%;">Rating:</td> <td style="width: 50%;"> <span class="circle yellow">C</span></td> </tr> <tr> <td style="width: 50%;">Loan Limits:</td> <td style="width: 50%;">$5,000 – $250,000</td> </tr> <tr> <td style="width: 50%;">Fixed Rates:</td> <td style="width: 50%;">3.59%+</td> </tr> <tr> <td style="width: 50%;">Variable Rates:</td> <td style="width: 50%;">4.99%+</td> </tr> <tr> <td style="width: 50%;">Terms:</td> <td style="width: 50%;">Unspecified</td> </tr> <tr> <td style="width: 50%;">Min. Credit Score:</td> <td style="width: 50%;">660 (soft minimum)</td> </tr> <tr> <td style="width: 50%;">Apply</td> <td style="width: 50%;"><a href="https://studentchoice.org">Link</a></td> </tr> </tbody> </table> <p>CU Student Choice is a direct lender marketplace that only partners with credit unions. While these credit unions finance and own the loan debt, CU Student Choice originates, processes, and disburses student refinance loans (loan servicing is through University Accounting Services).</p> <p><strong>For more information on CU Student Choice, read <a class="readmore" href="https://educationdata.org/cu-student-choice-student-loan-refinance-review">our full review</a>.</strong></p> <h3 id="earnest">Earnest</h3> <table class="half" style="border-collapse: collapse; width: 100%;"> <caption>Our Rating: <span class="circle yellow">C+</span></caption> <tbody> <tr class="desktop-hidden"> <td style="width: 50%;">Rating:</td> <td style="width: 50%;"> <span class="circle yellow">C+</span></td> </tr> <tr> <td style="width: 50%;">Loan Limits:</td> <td style="width: 50%;">$5,000 – $500,000</td> </tr> <tr> <td style="width: 50%;">Fixed Rates:</td> <td style="width: 50%;">4.20% – 9.99%</td> </tr> <tr> <td style="width: 50%;">Variable Rates:</td> <td style="width: 50%;">6.14% – 9.99% (11.95% Cap)</td> </tr> <tr> <td style="width: 50%;">Terms:</td> <td style="width: 50%;">60 – 240 months</td> </tr> <tr> <td style="width: 50%;">Min. Credit Score:</td> <td style="width: 50%;">Unclear</td> </tr> <tr> <td style="width: 50%;">Misc. Restrictions:</td> <td style="width: 50%;">Service availability varies by state</td> </tr> <tr> <td style="width: 50%;">Apply</td> <td style="width: 50%;"><a href="https://www.earnest.com/apply/refinance-student-loans/">Link</a></td> </tr> </tbody> </table> <p>While Earnest is a direct lender that claims merit-based and data-driven loan approvals, requirements are unclear due to inconsistencies on the company website.</p> <p>Some of Earnest’s exceptional offerings include flexible applicant requirements and options for debt relief, such as temporary hardship forbearance that includes unpaid maternity/paternity leave. Note that Earnest has <u>not</u> been implicated in ongoing lawsuits against parent company Navient alleging violations of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act.</p> <p><strong>For more information on Earnest, read <a class="readmore" href="https://educationdata.org/earnest-student-loan-refinance-review">our full review</a>.</strong></p> <h3 id="edvestinu">EdvestinU</h3> <table class="half" style="border-collapse: collapse; width: 100%;"> <caption>Our Rating: <span class="circle yellow">C+</span></caption> <tbody> <tr class="desktop-hidden"> <td style="width: 50%;">Rating:</td> <td style="width: 50%;"> <span class="circle yellow">C+</span></td> </tr> <tr> <td style="width: 50%;">Loan Limits:</td> <td style="width: 50%;">$7,500 – $200,000</td> </tr> <tr> <td style="width: 50%;">Fixed Rates:</td> <td style="width: 50%;">6.00% – 9.99%</td> </tr> <tr> <td style="width: 50%;">Variable Rates:</td> <td style="width: 50%;">7.40% – 9.40% (21.00% Cap)</td> </tr> <tr> <td style="width: 50%;">Terms:</td> <td style="width: 50%;">5, 10, 15 or 20 years</td> </tr> <tr> <td style="width: 50%;">Min. Credit Score:</td> <td style="width: 50%;">700 (without co-signer)</td> </tr> <tr> <td style="width: 50%;">Apply</td> <td style="width: 50%;"><a href="https://www.edvestinu.com/student-loan-refinancing/student-loan-refinancing">Link</a></td> </tr> </tbody> </table> <p>EdvestinU® is reputable as a nonprofit direct lender and a subsidiary of Granite Edvance (formerly the New Hampshire Higher Education Assistance Foundation).</p> <p>EdvestinU has no degree requirement and caters to New Hampshire residents and students who attend(ed) New Hampshire institutions may. While it is not available in all 50 states, EdvestinU is availabile in Puerto Rico.</p> <p><strong>For more information on EdvestinU, read <a class="readmore" href="https://educationdata.org/edvestinu-student-loan-refinance-review">our full review</a>.</strong></p> <h3 id="elfi">ELFI</h3> <table class="half" style="border-collapse: collapse; width: 100%;"> <caption>Our Rating: <span class="circle green">A-</span></caption> <tbody> <tr class="desktop-hidden"> <td style="width: 50%;">Rating:</td> <td style="width: 50%;"> <span class="circle green">A-</span></td> </tr> <tr> <td style="width: 50%;">Loan Limits:</td> <td style="width: 50%;">$10,000+</td> </tr> <tr> <td style="width: 50%;">Fixed Rates:</td> <td style="width: 50%;">4.88% – 8.44%</td> </tr> <tr> <td style="width: 50%;">Variable Rates:</td> <td style="width: 50%;">4.86% – 8.24% (9.95% Cap)</td> </tr> <tr> <td style="width: 50%;">Terms:</td> <td style="width: 50%;">5, 7, 10, 15 or 20 years</td> </tr> <tr> <td style="width: 50%;">Min. Credit Score:</td> <td style="width: 50%;">680</td> </tr> <tr> <td style="width: 50%;">Apply</td> <td style="width: 50%;"><a href="https://www.elfi.com/student-loan-refinancing/">Link</a></td> </tr> </tbody> </table> <p>ELFI is an online-only student loan refinancing program through SouthEast Bank, a locally-owned financial servicer in Farragut, Tennessee. Industry professionals highly recommend ELFI and consider its Executive Vice President an authority on lender ethics. Customers report positive experiences and have few complaints.</p> <p>Standard requirements to qualify for refinancing include (but are not limited to) a bachelor’s degree, a maximum 43% debt-to-income ratio, and a 36-month credit history.</p> <p><strong>For more information on ELFI, read <a class="readmore" href="https://educationdata.org/elfi-student-loan-refinance-review">our full review</a>.</strong></p> <h3 id="first-tech-federal">First Tech Federal</h3> <table class="half" style="border-collapse: collapse; width: 100%;"> <caption>Our Rating: <span class="circle yellow">C</span></caption> <tbody> <tr class="desktop-hidden"> <td style="width: 50%;">Rating:</td> <td style="width: 50%;"> <span class="circle yellow">C</span></td> </tr> <tr> <td style="width: 50%;">Loan Limits:</td> <td style="width: 50%;">$5,000 – $500,000</td> </tr> <tr> <td style="width: 50%;">Fixed Rates:</td> <td style="width: 50%;">8.60% – Undisclosed</td> </tr> <tr> <td style="width: 50%;">Variable Rates:</td> <td style="width: 50%;">None</td> </tr> <tr> <td style="width: 50%;">Balloon Rates:</td> <td style="width: 50%;">11.40% – Undisclosed</td> </tr> <tr> <td style="width: 50%;">Interest-Only Rates:</td> <td style="width: 50%;">11.40% – Undisclosed</td> </tr> <tr> <td style="width: 50%;">Terms:</td> <td style="width: 50%;">5, 7, 10 or 15 years</td> </tr> <tr> <td style="width: 50%;">Min. Credit Score:</td> <td style="width: 50%;">Undisclosed</td> </tr> <tr> <td style="width: 50%;">Misc. Restrictions:</td> <td style="width: 50%;">Borrowers must be(come) First Tech credit union members</td> </tr> <tr> <td style="width: 50%;">Apply</td> <td style="width: 50%;"><a href="https://www.firsttechfed.com/borrow/student-loans">Link</a></td> </tr> </tbody> </table> <p>First Tech Federal discloses neither credit nor graduation requirements, and the website refers to additional unspecified requirements.</p> <p>While First Tech offers refinancing options most lenders do not (including loan options with balloon payments or 1- to 10-year interest-only periods) this credit union charges some hidden fees.</p> <p><strong>For more information on First Tech, read <a class="readmore" href="https://educationdata.org/first-tech-federal-student-loan-refinance-review">our full review</a>.</strong></p> <h3 id="ihelp">iHelp</h3> <table class="half" style="border-collapse: collapse; width: 100%;"> <caption>Our Rating: <span class="circle yellow">C</span></caption> <tbody> <tr class="desktop-hidden"> <td style="width: 50%;">Rating:</td> <td style="width: 50%;"> <span class="circle yellow">C</span></td> </tr> <tr> <td style="width: 50%;">Loan Limits:</td> <td style="width: 50%;">$10,000 – $250,000</td> </tr> <tr> <td style="width: 50%;">Fixed Rates:</td> <td style="width: 50%;">5.94% – 11.93%</td> </tr> <tr> <td style="width: 50%;">Variable Rates:</td> <td style="width: 50%;">8.17% – 9.40%</td> </tr> <tr> <td style="width: 50%;">Terms:</td> <td style="width: 50%;">5, 8, 12 or 20 years</td> </tr> <tr> <td style="width: 50%;">Min. Credit Score:</td> <td style="width: 50%;">Undisclosed</td> </tr> <tr> <td style="width: 50%;">Apply</td> <td style="width: 50%;"><a href="https://www.zuntafi.com/LoanProducts/Category?q=7B8ftTdYxn1i0ty3KakwJfx4z0NzmmqvcJ9nqhkjIa3Nhp3rVv8sDWHPxJblXQy7">Link</a></td> </tr> </tbody> </table> <p>iHelp offers a fixed-hybrid rate and income-based repayment plan (via ZuntaFi). Aside from these options, this lender is underwhelming. iHelp charges excessive fees, including a collection fee of up to 25% of the principal balance.</p> <p>With uncapped variable rates that are only available on 20-year loans, iHelp appears to benefit financial institutions to the detriment of the borrower.</p> <p><strong>For more information on iHelp, read <a class="readmore" href="https://educationdata.org/ihelp-student-loan-refinance-review">our full review</a>.</strong></p> <h3 id="INvestEd">INvestEd</h3> <table class="half" style="border-collapse: collapse; width: 100%;"> <caption>Our Rating: <span class="circle lightgreen">B-</span></caption> <tbody> <tr class="desktop-hidden"> <td style="width: 50%;">Rating:</td> <td style="width: 50%;"> <span class="circle lightgreen">B-</span></td> </tr> <tr> <td style="width: 50%;">Loan Limits:</td> <td style="width: 50%;">$5,000 – $250,000</td> </tr> <tr> <td style="width: 50%;">Fixed Rates:</td> <td style="width: 50%;">5.99% – 10.39%</td> </tr> <tr> <td style="width: 50%;">Variable Rates:</td> <td style="width: 50%;">8.52% – 12.65% (18.00% Cap)</td> </tr> <tr> <td style="width: 50%;">Terms:</td> <td style="width: 50%;">5, 10, 15 or 20 years</td> </tr> <tr> <td style="width: 50%;">Min. Credit Score:</td> <td style="width: 50%;">670 (without co-signer)</td> </tr> <tr> <td style="width: 50%;">Misc. Restrictions:</td> <td style="width: 50%;">Exclusive to residents of Indiana and Indiana alumni.</td> </tr> <tr> <td style="width: 50%;">Apply</td> <td style="width: 50%;"><a href="https://www.INvestEdindiana.org/refi-marketplace/">Link</a></td> </tr> </tbody> </table> <p>While lender marketplaces are typically founded as private companies, INvestEd is the commercial name for Indiana Secondary Market for Education Loans, Inc., a public, nonprofit organization. All INvestEd loans are serviced by American Education Services (AES)* and backed by First Merchant Bank.</p> <p>INvestEd services are available only to residents of Indiana and student borrowers who have attended an Indiana University.</p> <p><strong>For more information on INvestEd, read <a class="readmore" href="https://educationdata.org/invested-student-loan-refinance-review">our full review</a>.</strong></p> <h3 id="isl">ISL</h3> <table class="half" style="border-collapse: collapse; width: 100%;"> <caption>Our Rating: <span class="circle yellow">C</span></caption> <tbody> <tr class="desktop-hidden"> <td style="width: 50%;">Rating:</td> <td style="width: 50%;"> <span class="circle yellow">C</span></td> </tr> <tr> <td style="width: 50%;">Loan Limits:</td> <td style="width: 50%;">$5,000 – $300,000</td> </tr> <tr> <td style="width: 50%;">Fixed Rates:</td> <td style="width: 50%;">5.14% – 9.65%</td> </tr> <tr> <td style="width: 50%;">Variable Rates:</td> <td style="width: 50%;">None</td> </tr> <tr> <td style="width: 50%;">Terms:</td> <td style="width: 50%;">5, 7, 10, 15 or 20 years</td> </tr> <tr> <td style="width: 50%;">Min. Credit Score:</td> <td style="width: 50%;">670</td> </tr> <tr> <td style="width: 50%;">Apply</td> <td style="width: 50%;"><a href="https://www.iowastudentloan.org/refinance-loan/">Link</a></td> </tr> </tbody> </table> <p>The Iowa Student Loan Liquidity Corporation (ISLLC) does business as ISL Education Lending, a nonprofit direct lender. ISL offers special student loan refinance options, including in-school refinancing and 0% interest for a limited time to certain military members.</p> <p>ISL’s loan servicer, Aspire, is the lender’s for-profit subsidiary.</p> <p><strong>For more information on ISL, read <a class="readmore" href="https://educationdata.org/isl-student-loan-refinance-review">our full review</a>.</strong></p> <h3 id="laurel-road">Laurel Road</h3> <table class="half" style="border-collapse: collapse; width: 100%;"> <caption>Our Rating: <span class="circle lightgreen">B+</span></caption> <tbody> <tr class="desktop-hidden"> <td style="width: 50%;">Rating:</td> <td style="width: 50%;"> <span class="circle lightgreen">B+</span></td> </tr> <tr> <td style="width: 50%;">Loan Limits:</td> <td style="width: 50%;">$5,000+</td> </tr> <tr> <td style="width: 50%;">Fixed Rates:</td> <td style="width: 50%;">5.24% – 9.40%</td> </tr> <tr> <td style="width: 50%;">Variable Rates:</td> <td style="width: 50%;">5.54% – 9.70% (15.00% Cap)</td> </tr> <tr> <td style="width: 50%;">Terms:</td> <td style="width: 50%;">5, 7, 10, 15 or 20 years</td> </tr> <tr> <td style="width: 50%;">Min. Credit Score:</td> <td style="width: 50%;">Undisclosed</td> </tr> <tr> <td style="width: 50%;">Apply</td> <td style="width: 50%;"><a href="https://www.laurelroad.com/refinance-student-loans/">Link</a></td> </tr> </tbody> </table> <p>Laurel Road specializes in student loan refinancing and financial services for healthcare professionals, offering special rates and benefits to practicing medical professionals. Borrowers have the option to transfer debt from parent to child and apply for generous debt relief options, including reduced payments, deferment, or partial deferment.</p> <p>Keycorp acquired Laurel Road in 2019. KeyBank services all refinance loans; refinancing is available in 50 U.S. states, Washington, D.C., and Puerto Rico.</p> <p><strong>For more information on Laurel Road, read <a class="readmore" href="https://educationdata.org/laurel-road-student-loan-refinance-review">our full review</a>.</strong></p> <h3 id="lendkey">LendKey</h3> <table class="half" style="border-collapse: collapse; width: 100%;"> <caption>Our Rating: <span class="circle lightgreen">B</span></caption> <tbody> <tr class="desktop-hidden"> <td style="width: 50%;">Rating:</td> <td style="width: 50%;"> <span class="circle lightgreen">B</span></td> </tr> <tr> <td style="width: 50%;">Loan Limits:</td> <td style="width: 50%;">$5,000 – $300,000</td> </tr> <tr> <td style="width: 50%;">Fixed Rates:</td> <td style="width: 50%;">4.89% – 9.29%</td> </tr> <tr> <td style="width: 50%;">Variable Rates:</td> <td style="width: 50%;">4.82%+</td> </tr> <tr> <td style="width: 50%;">Terms:</td> <td style="width: 50%;">5 to 20 years</td> </tr> <tr> <td style="width: 50%;">Min. Credit Score:</td> <td style="width: 50%;">660</td> </tr> <tr> <td style="width: 50%;">Apply</td> <td style="width: 50%;"><a href="https://www.lendkey.com/student-loan-refinancing/">Link</a></td> </tr> </tbody> </table> <p>LendKey Technologies, Inc. matches borrowers with banks and credit unions from the local level to national financial institutions. Recently acquired by KeyBank, LendKey offers student loans, refinancing, and home improvement loans.</p> <p><strong>For more information on LendKey, read <a class="readmore" href="https://educationdata.org/lendkey-student-loan-refinance-review">our full review</a>.</strong></p> <h3 id="mefa">MEFA</h3> <table class="half" style="border-collapse: collapse; width: 100%;"> <caption>Our Rating: <span class="circle yellow">C</span></caption> <tbody> <tr class="desktop-hidden"> <td style="width: 50%;">Rating:</td> <td style="width: 50%;"> <span class="circle yellow">C</span></td> </tr> <tr> <td style="width: 50%;">Loan Limits:</td> <td style="width: 50%;">$10,000+</td> </tr> <tr> <td style="width: 50%;">Fixed Rates:</td> <td style="width: 50%;">6.20% – 8.99%</td> </tr> <tr> <td style="width: 50%;">Variable Rates:</td> <td style="width: 50%;">None</td> </tr> <tr> <td style="width: 50%;">Terms:</td> <td style="width: 50%;">7, 10 or 15 years</td> </tr> <tr> <td style="width: 50%;">Min. Credit Score:</td> <td style="width: 50%;">670 (soft minimum)</td> </tr> <tr> <td style="width: 50%;">Misc. Restrictions:</td> <td style="width: 50%;">Only refinances loans used to attend not-for-profit schools</td> </tr> <tr> <td style="width: 50%;">Apply</td> <td style="width: 50%;"><a href="https://www.mefa.org/loans/student-loans-refinancing">Link</a></td> </tr> </tbody> </table> <p>Massachusetts Educational Financing Authority or MEFA is an established nonprofit creditor with some unique requirements. For example, MEFA only refinances loans that have been repaid on time for the previous six (6) consecutive months. Furthermore, loans must have been used to attend a not-for-profit degree-granting institution.</p> <p>MEFA deals solely in education loans. While eligibility requirements are somewhat strict, a degree is not necessary.</p> <p><strong>For more information on MEFA, read <a class="readmore" href="https://educationdata.org/mefa-student-loan-refinance-review">our full review</a>.</strong></p> <h3 id="mpower">Mpower Financing</h3> <table class="half" style="border-collapse: collapse; width: 100%;"> <caption>Our Rating: <span class="circle lightgreen">B-</span></caption> <tbody> <tr class="desktop-hidden"> <td style="width: 50%;">Rating:</td> <td style="width: 50%;"> <span class="circle lightgreen">B-</span></td> </tr> <tr> <td style="width: 50%;">Loan Limits:</td> <td style="width: 50%;">$2,001 – $100,000</td> </tr> <tr> <td style="width: 50%;">Fixed Rates:</td> <td style="width: 50%;">11.17% – 11.42%</td> </tr> <tr> <td style="width: 50%;">Variable Rates:</td> <td style="width: 50%;">None</td> </tr> <tr> <td style="width: 50%;">Terms:</td> <td style="width: 50%;">10 years</td> </tr> <tr> <td style="width: 50%;">Min. Credit Score:</td> <td style="width: 50%;">None</td> </tr> <tr> <td style="width: 50%;">Misc. Restrictions:</td> <td style="width: 50%;">Only refinances loans for international students and noncitizens</td> </tr> <tr> <td style="width: 50%;">Apply</td> <td style="width: 50%;"><a href="https://www.mpowerfinancing.com/get-a-loan/refinance-international-student-loan/">Link</a></td> </tr> </tbody> </table> <p>Mpower Financing (sometimes stylized as MPOWER) works with graduates who do not have citizenship but currently live in the United States. Mpower refinances international loans and accepts payments from foreign banks.</p> <p>Applicants do not need a credit history; Mpower works with borrowers to build U.S. credit history, reporting to all three major credit bureaus.</p> <p><strong>For more information on Mpower, read <a class="readmore" href="https://educationdata.org/mpower-financing-student-loan-refinance-review">our full review</a>.</strong></p> <h3 id="navirefi">NaviRefi</h3> <table class="half" style="border-collapse: collapse; width: 100%;"> <caption>Our Rating: <span class="circle orange">D-</span></caption> <tbody> <tr class="desktop-hidden"> <td style="width: 50%;">Rating:</td> <td style="width: 50%;"> <span class="circle orange">D-</span></td> </tr> <tr> <td style="width: 50%;">Loan Limits:</td> <td style="width: 50%;">$5,001 – $500,000</td> </tr> <tr> <td style="width: 50%;">Fixed Rates:</td> <td style="width: 50%;">3.95% – 9.99%</td> </tr> <tr> <td style="width: 50%;">Variable Rates:</td> <td style="width: 50%;">5.89% – 9.99% (Undisclosed Cap)</td> </tr> <tr> <td style="width: 50%;">Terms:</td> <td style="width: 50%;">5 to 20 years</td> </tr> <tr> <td style="width: 50%;">Min. Credit Score:</td> <td style="width: 50%;">Undisclosed</td> </tr> <tr> <td style="width: 50%;">Misc. Restrictions:</td> <td style="width: 50%;">Unavailable in Nevada; variable rates are unavailable in 34 states.</td> </tr> <tr> <td style="width: 50%;">Apply</td> <td style="width: 50%;"><a href="https://navirefi.com">Link</a></td> </tr> </tbody> </table> <p>NaviRefi is an invite-only refinancer for borrowers who either have student loans (parent loans are ineligible) from Navient Corporation or other current business with Navient. Refinancing includes undisclosed fees. Navient also fails to disclose a variable rate cap and certain eligibility requirements.</p> <p>NaviRefi has <u>not</u> been implicated in ongoing lawsuits against parent company Navient Corporation and its subsidiaries Navient Solutions LLC and Pioneer Credit Recovery alleging violations of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act.</p> <p><strong>For more information on NaviRefi, read <a class="readmore" href="https://educationdata.org/navirefi-student-loan-refinance-review">our full review</a>.</strong></p> <h3 id="navy-federal">Navy Federal</h3> <table class="half" style="border-collapse: collapse; width: 100%;"> <caption>Our Rating: <span class="circle yellow">C</span></caption> <tbody> <tr class="desktop-hidden"> <td style="width: 50%;">Rating:</td> <td style="width: 50%;"> <span class="circle orange">C</span></td> </tr> <tr> <td style="width: 50%;">Loan Limits:</td> <td style="width: 50%;">$7,500 – $175,000</td> </tr> <tr> <td style="width: 50%;">Fixed Rates:</td> <td style="width: 50%;">4.85% – 12.05%</td> </tr> <tr> <td style="width: 50%;">Variable Rates:</td> <td style="width: 50%;">5.58% – 12.63% (20.25% Cap)</td> </tr> <tr> <td style="width: 50%;">Terms:</td> <td style="width: 50%;">5, 10 or 15 years</td> </tr> <tr> <td style="width: 50%;">Min. Credit Score:</td> <td style="width: 50%;">Undisclosed</td> </tr> <tr> <td style="width: 50%;">Misc. Restrictions:</td> <td style="width: 50%;">Borrowers must be(come) Navy Federal Credit Union members</td> </tr> <tr> <td style="width: 50%;">Apply</td> <td style="width: 50%;"><a href="https://www.navyfederal.org/loans-cards/student-loans.html">Link</a></td> </tr> </tbody> </table> <p>Navy Federal Credit Union was recently charged and fined $28.5 million by the CFPB for violation of the Dodd-Frank Wall Street Reform and Consumer Protection Act. In 2020, Navy Federal paid $25 million after a class-action lawsuit found that the institution improperly collected excess overdraft fees; checks went out in February 2021.</p> <p>Navy Federal’s most redeeming quality is its range of options for parent borrowers. Parent borrowers may consolidate loans for multiple children or refinance before their student has graduated. Services are available in all 50 states, including Washington, D.C., and Puerto Rico.</p> <p><strong>For more information on Navy Federal, read <a class="readmore" href="https://educationdata.org/navy-federal-student-loan-refinance-review">our full review</a>.</strong></p> <h3 id="nelnet-bank">Nelnet Bank</h3> <table class="half" style="border-collapse: collapse; width: 100%;"> <caption>Our Rating: <span class="circle yellow">C-</span></caption> <tbody> <tr class="desktop-hidden"> <td style="width: 50%;">Rating:</td> <td style="width: 50%;"> <span class="circle yellow">C-</span></td> </tr> <tr> <td style="width: 50%;">Loan Limits</td> <td style="width: 50%;">$5,000 – $500,000</td> </tr> <tr> <td style="width: 50%;">Fixed Rates:</td> <td style="width: 50%;">4.99% – 9.39%</td> </tr> <tr> <td style="width: 50%;">Variable Rates:</td> <td style="width: 50%;">5.99% – 9.36% (16.00% Cap)</td> </tr> <tr> <td style="width: 50%;">Terms:</td> <td style="width: 50%;">5, 7, 10, 15, 20 or 25 years</td> </tr> <tr> <td style="width: 50%;">Min. Credit Score:</td> <td style="width: 50%;">680</td> </tr> <tr> <td style="width: 50%;">Apply</td> <td style="width: 50%;"><a href="https://www.nelnetbank.com/student-loan-refinance/">Link</a></td> </tr> </tbody> </table> <p><strong>Nelnet paused its student loan refinance applications in early 2024, announcing that it would offer a new program starting in summer of 2024.</strong></p> <p>Previously U-fi, Nelnet Bank is an online-only subsidiary of Nelnet, Inc. Nelnet Bank has <u>not</u> been explicitly implicated in any lawsuits involving Nelnet, Inc., although most ongoing litigation predates the bank’s November 2020 founding.</p> <p>Few consumer reviews about Nelnet Bank are available, but Nelnet, Inc. is the subject of 10% of CFPB consumer complaints about student loan servicers. Nelnet Bank’s low interest rates and option to transfer debt from parent to child saved this refinance lender from a failing score.</p> <p><strong>For more information on Nelnet Bank, read <a class="readmore" href="https://educationdata.org/nelnet-bank-student-loan-refinance-review">our full review</a>.</strong></p> <h3 id="pa-foward">PA Forward</h3> <table class="half" style="border-collapse: collapse; width: 100%;"> <caption>Our Rating: <span class="circle yellow">C-</span></caption> <tbody> <tr class="desktop-hidden"> <td style="width: 50%;">Rating:</td> <td style="width: 50%;"> <span class="circle yellow">C-</span></td> </tr> <tr> <td style="width: 50%;">Loan Limits:</td> <td style="width: 50%;">$5,000 – $300,000</td> </tr> <tr> <td style="width: 50%;">Fixed Rates:</td> <td style="width: 50%;">4.86% – 10.18%</td> </tr> <tr> <td style="width: 50%;">Variable Rates:</td> <td style="width: 50%;">None</td> </tr> <tr> <td style="width: 50%;">Terms:</td> <td style="width: 50%;">5, 7, 10, 15 or 20 years</td> </tr> <tr> <td style="width: 50%;">Min. Credit Score:</td> <td style="width: 50%;">Unspecified</td> </tr> <tr> <td style="width: 50%;">Misc. Restrictions:</td> <td style="width: 50%;">Eligibility limited to Delaware, Maryland, New Jersey, New York, Ohio, Pennsylvania, Virginia, and West Virginia</td> </tr> <tr> <td style="width: 50%;">Apply</td> <td style="width: 50%;"><a href="https://paforward.pheaa.org/refinance/">Link</a></td> </tr> </tbody> </table> <p>PA Forward is the private education and refinance lending program from the Pennsylvania Higher Education Assistance Agency, a quasi-state organization that receives public funding and also has a for-profit arm (American Education Services) that services student and refinance loans on behalf of other lenders.</p> <p>While the PA Forward program has a number of borrower-friendly services and benefits, its parent company and in-house servicer have both been subject to consistent public relations issues. Though AES/PHEAA has a disturbing legal history, the PA Forward program does not appear to be part of any state or federal investigation.</p> <p><strong>For more information on PA Forward, read <a class="readmore" href="https://educationdata.org/pa-forward-student-loan-refinance-review">our full review</a>.</strong></p> <h3 id="panacia-financial">Panacea Financial</h3> <table class="half" style="border-collapse: collapse; width: 100%;"> <caption>Our Rating: <span class="circle lightgreen">B</span></caption> <tbody> <tr class="desktop-hidden"> <td style="width: 50%;">Rating:</td> <td style="width: 50%;"> <span class="circle lightgreen">B</span></td> </tr> <tr> <td style="width: 50%;">Loan Limits:</td> <td style="width: 50%;">$15,000+</td> </tr> <tr> <td style="width: 50%;">Fixed Rates:</td> <td style="width: 50%;">6.50% – 8.25%</td> </tr> <tr> <td style="width: 50%;">Variable Rates:</td> <td style="width: 50%;">None</td> </tr> <tr> <td style="width: 50%;">Terms:</td> <td style="width: 50%;">5, 7, 10 or 15 years</td> </tr> <tr> <td style="width: 50%;">Min. Credit Score:</td> <td style="width: 50%;">700</td> </tr> <tr> <td style="width: 50%;">Misc. Restrictions:</td> <td style="width: 50%;">Eligibility exclusive to practicing healthcare professionals & trainees</td> </tr> <tr> <td style="width: 50%;">Apply</td> <td style="width: 50%;"><a href="https://panaceafinancial.com/all/healthcare-school-refinance/">Link</a></td> </tr> </tbody> </table> <p>Panacea Financial is a financial technology company that offers consumer loans, including education refinance loans, to medical and healthcare professionals. Panacea also offers commercial banking and insurance through its partnership with Primis Bank, Member FDIC. Refinance lending, like its banking services, are all-digital; Panacea Financial borrowers can manage their loans and make payments online or with the Panacea mobile app.</p> <p>With no maximum borrowing limit, Panacea Financial’s student refinance loan program is built for the high cost of medical school. Shorter term limits help borrowers get out of debt faster.</p> <p><strong>For more information on Panacea Financial, read <a class="readmore" href="https://educationdata.org/panacea-financial-student-loan-refinance-review">our full review</a>.</strong></p> <h3 id="penfed">PenFed</h3> <p>Pentagon Federal Credit Union no longer accepts student loan refinance applications as of May 2024 and refers all education loan queries to <a href="#sparrow">Sparrow</a>.</p> <h3 id="pnc-bank">PNC Bank</h3> <table class="half" style="border-collapse: collapse; width: 100%;"> <caption>Our Rating: <span class="circle yellow">C-</span></caption> <tbody> <tr class="desktop-hidden"> <td style="width: 50%;">Rating:</td> <td style="width: 50%;"> <span class="circle yellow">C-</span></td> </tr> <tr> <td style="width: 50%;">Loan Limits:</td> <td style="width: 50%;">$10,000 – $200,000</td> </tr> <tr> <td style="width: 50%;">Fixed Rates:</td> <td style="width: 50%;">5.79% – 15.54%</td> </tr> <tr> <td style="width: 50%;">Variable Rates:</td> <td style="width: 50%;">6.94% – 17.14% (18.00% Cap)</td> </tr> <tr> <td style="width: 50%;">Terms:</td> <td style="width: 50%;">5, 10, 15 or 20 years</td> </tr> <tr> <td style="width: 50%;">Min. Credit Score:</td> <td style="width: 50%;">Undisclosed</td> </tr> <tr> <td style="width: 50%;">Misc. Restrictions:</td> <td style="width: 50%;">Borrowers may not be current students at the time of refinancing</td> </tr> <tr> <td style="width: 50%;">Apply</td> <td style="width: 50%;"><a href="https://www.pnc.com/en/personal-banking/borrowing/private-student-loans/refinance-student-loans.html">Link</a></td> </tr> </tbody> </table> <p>PNC Bank, one of the largest banks in the United States, processes and services its own Education Refinance Loan (PERL). While the PERL has no graduation requirement, degree-holders qualify for lower interest rates. Borrowers must display a steady income over the previous two (2) years. Borrowers may incur fees for late payments, and PNC Bank may sell or transfer a refinance loan to another institution at any time.</p> <p><strong>For more information on PNC Bank, read <a class="readmore" href="https://educationdata.org/pnc-bank-student-loan-refinance-review">our full review</a>.</strong></p> <h3 id="purefy">Purefy</h3> <table class="half" style="border-collapse: collapse; width: 100%;"> <caption>Our Rating: <span class="circle lightgreen">B-</span></caption> <tbody> <tr class="desktop-hidden"> <td style="width: 50%;">Rating:</td> <td style="width: 50%;"> <span class="circle lightgreen">B-</span></td> </tr> <tr> <td style="width: 50%;">Loan Limits:</td> <td style="width: 50%;">$5,000+</td> </tr> <tr> <td style="width: 50%;">Fixed Rates:</td> <td style="width: 50%;">4.49% – 9.74%</td> </tr> <tr> <td style="width: 50%;">Variable Rates:</td> <td style="width: 50%;">5.09% – 9.74% (25.00% Cap)</td> </tr> <tr> <td style="width: 50%;">Terms:</td> <td style="width: 50%;">60 – 240 months</td> </tr> <tr> <td style="width: 50%;">Min. Credit Score:</td> <td style="width: 50%;">650 (minimum disclosed)</td> </tr> <tr> <td style="width: 50%;">Apply</td> <td style="width: 50%;"><a href="https://www.purefy.com/student-loan-rate">Link</a></td> </tr> </tbody> </table> <p>Purefy is a student loan marketplace with federal and private student and parent loan refinancing tools. Purefy originates student refinance loans in its partnership with Pentagon Federal Credit Union (PenFed); Purefy-originated refinance loans allow borrowers to combine debt with a spouse or assume the debt of a parent.</p> <p>This lender is best for borrowers who plan to refinance their student loans with PenFed but would also like to compare other rates. While Purefy has an inherent bias for PenFed as their loan servicer, it promotes multiple recommended student refinance lenders.</p> <p><strong>For more information on Purefy, read <a class="readmore" href="https://educationdata.org/purefy-student-loan-refinance-review">our full review</a>.</strong></p> <h3 id="risla">RISLA</h3> <table class="half" style="border-collapse: collapse; width: 100%;"> <caption>Our Rating: <span class="circle green">A</span></caption> <tbody> <tr class="desktop-hidden"> <td style="width: 50%;">Rating:</td> <td style="width: 50%;"> <span class="circle green">A</span></td> </tr> <tr> <td style="width: 50%;">Loan Limits:</td> <td style="width: 50%;">$7,500 – $250,000</td> </tr> <tr> <td style="width: 50%;">Fixed Rates:</td> <td style="width: 50%;">6.34% – 8.54%*</td> </tr> <tr> <td style="width: 50%;">Variable Rates:</td> <td style="width: 50%;">None</td> </tr> <tr> <td style="width: 50%;">Terms:</td> <td style="width: 50%;">5, 10 or 15 years</td> </tr> <tr> <td style="width: 50%;">Min. Credit Score:</td> <td style="width: 50%;">Undisclosed</td> </tr> <tr> <td style="width: 50%;">Apply</td> <td style="width: 50%;"><a href="https://www.risla.com/refi-loans">Link</a></td> </tr> </tbody> </table> <p>*<em>Higher rates apply for in-school deferred refinancing.</em></p> <p>Rhode Island Student Loan Authority or RISLA is the non-profit financer behind the College Planning Center of Rhode Island. This lender offers unique borrower protections and comes highly recommended by financial analysts.</p> <p>Borrowers who refinance with RISLA may apply for income-based repayment plans. Part-time students qualify for refinancing, and loans are serviced in-house. RISLA recently eliminated fees for late payments and insufficient funds.</p> <p><strong>For more information on RISLA, read <a class="readmore" href="https://educationdata.org/risla-student-loan-refinance-review">our full review</a>.</strong></p> <h3 id="sc-student-loan">SC Student Loan</h3> <table class="half" style="border-collapse: collapse; width: 100%;"> <caption>Our Rating: <span class="circle yellow">C+</span></caption> <tbody> <tr class="desktop-hidden"> <td style="width: 50%;">Rating:</td> <td style="width: 50%;"> <span class="circle yellow">C+</span></td> </tr> <tr> <td style="width: 50%;">Loan Limits:</td> <td style="width: 50%;">$5,000 – $250,000</td> </tr> <tr> <td style="width: 50%;">Fixed Rates:</td> <td style="width: 50%;">2.99% – 9.25%*</td> </tr> <tr> <td style="width: 50%;">Variable Rates:</td> <td style="width: 50%;">None</td> </tr> <tr> <td style="width: 50%;">Terms:</td> <td style="width: 50%;">5, 10, 15 or 20 years</td> </tr> <tr> <td style="width: 50%;">Min. Credit Score:</td> <td style="width: 50%;">670</td> </tr> <tr> <td style="width: 50%;">Misc. Restrictions:</td> <td style="width: 50%;">For South Carolina residents and alumni only</td> </tr> <tr> <td style="width: 50%;">Apply</td> <td style="width: 50%;"><a href="https://www.scstudentloan.org/refinance-now">Link</a></td> </tr> </tbody> </table> <p>*<i>SC Student loan’s website has conflicting rates published on its website; one listed range is 6.250% to 9.005%.</i></p> <p>The South Carolina Student Loan Corporation is a 501(c)3 nonprofit classified as a public benefit corporation. SC Student Loan calls its student loan refinance program PAL ReFi, but borrowers are not required to refinance a PAL.</p> <p>With no graduation requirement, zero standard fees, and decent forbearance options, SC Student Loan may be a good option for South Carolina borrowers. Conflicting information on the website, however, includes contradictory APR limits that may confuse applicants.</p> <p><strong>For more information on SC Student Loan, read <a class="readmore" href="https://educationdata.org/sc-student-loan-student-refinance-review">our full review</a>.</strong></p> <h3 id="self-refi">SELF Refi</h3> <table class="half" style="border-collapse: collapse; width: 100%;"> <caption>Our Rating: <span class="circle yellow">C</span></caption> <tbody> <tr class="desktop-hidden"> <td style="width: 50%;">Rating:</td> <td style="width: 50%;"> <span class="circle green">C</span></td> </tr> <tr> <td style="width: 50%;">Loan Limits:</td> <td style="width: 50%;">$10,000 – $150,000</td> </tr> <tr> <td style="width: 50%;">Fixed Rates:</td> <td style="width: 50%;">6.00% – 7.00%</td> </tr> <tr> <td style="width: 50%;">Variable Rates:</td> <td style="width: 50%;">6.80% – 8.05% (18.00% Cap)</td> </tr> <tr> <td style="width: 50%;">Terms:</td> <td style="width: 50%;">5, 10 or 15 years</td> </tr> <tr> <td style="width: 50%;">Min. Credit Score:</td> <td style="width: 50%;">700 (650 with co-signer)</td> </tr> <tr> <td style="width: 50%;">Misc. Restrictions:</td> <td style="width: 50%;">For Minnesota residents only</td> </tr> <tr> <td style="width: 50%;">Apply</td> <td style="width: 50%;"><a href="https://www.selfrefi.state.mn.us">Link</a></td> </tr> </tbody> </table> <p><strong>SELF has paused its refinancing program while it transitions to its new loan servicer, Aspire Servicing Center. Student borrowers may resume submitting applications for refinancing in early 2025.</strong></p> <p>SELF Refi is the Minnesota Office of Higher Education’s student loan refinance program. It is a decent lender with strict requirements. For example, refinance borrowers must maintain Minnesota residency. The program is only available to students; parent loans are ineligible.</p> <p>SELF Refi offers the same starting rates and terms to all qualifying borrowers regardless of financial standing. They are also one of the few refinance lenders to advertise general COVID relief: from 3/13/2020 through 9/30/2020, SELF set <em>all</em> interest rates to 0% due to COVID-19.</p> <p><strong>For more information on SELF Refi, read <a class="readmore" href="https://educationdata.org/self-refi-student-loan-refinance-review">our full review</a>. </strong></p> <h3 id="sofi">SoFi</h3> <table class="half" style="border-collapse: collapse; width: 100%;"> <caption>Our Rating: <span class="circle lightgreen">B-</span></caption> <tbody> <tr class="desktop-hidden"> <td style="width: 50%;">Rating:</td> <td style="width: 50%;"> <span class="circle lightgreen">B-</span></td> </tr> <tr> <td style="width: 50%;">Loan Limits:</td> <td style="width: 50%;">$5,000+</td> </tr> <tr> <td style="width: 50%;">Fixed Rates:</td> <td style="width: 50%;">4.49% – 10.49%</td> </tr> <tr> <td style="width: 50%;">Variable Rates:</td> <td style="width: 50%;">5.99% – 10.49% (13.95% Cap)</td> </tr> <tr> <td style="width: 50%;">Terms:</td> <td style="width: 50%;">5, 7, 10, 15 or 20 years</td> </tr> <tr> <td style="width: 50%;">Min. Credit Score:</td> <td style="width: 50%;">Unspecified</td> </tr> <tr> <td style="width: 50%;">Apply</td> <td style="width: 50%;"><a href="https://www.sofi.com/refinance-student-loan/">Link</a></td> </tr> </tbody> </table> <p>Social Finance, Inc. is an online-only finance corporation with some stand-out offerings that include transferring debt from parent to child and unemployment protection with job placement assistance.</p> <p>In 2019, however, federal investigations of SoFi Technologies, Inc. reported misleading advertisements, including offers of bonus cash and inflated savings.</p> <p><strong>For more information on SoFi, read <a class="readmore" href="https://educationdata.org/sofi-student-loan-refinance-review">our full review</a>. </strong></p> <h3 id="sparrow">Sparrow</h3> <table class="half" style="border-collapse: collapse; width: 100%;"> <caption>Our Rating: <span class="circle yellow">C+</span></caption> <tbody> <tr class="desktop-hidden"> <td style="width: 50%;">Rating:</td> <td style="width: 50%;"> <span class="circle yellow">C+</span></td> </tr> <tr> <td style="width: 50%;">Loan Limits:</td> <td style="width: 50%;">$5,000 – $500,000</td> </tr> <tr> <td style="width: 50%;">Fixed Rates:</td> <td style="width: 50%;">0.50% – 12.95%</td> </tr> <tr> <td style="width: 50%;">Variable Rates:</td> <td style="width: 50%;">4.55% – 12.38% (25.00% Cap)</td> </tr> <tr> <td style="width: 50%;">Terms:</td> <td style="width: 50%;">60 – 240 months or 25 years</td> </tr> <tr> <td style="width: 50%;">Min. Credit Score:</td> <td style="width: 50%;">650</td> </tr> <tr> <td style="width: 50%;">Apply</td> <td style="width: 50%;"><a href="https://www.sparrowfi.com/student-loan-refi">Link</a></td> </tr> </tbody> </table> <p>Sparrow is a student loan marketplace that allows applicants to compare rates under different conditions. For example, they may compare offers with an improved credit score, with a co-signer, and with a higher income. This service is free to borrowers, and more than one lender in Sparrow’s marketplace refinances loans for international students.</p> <p>Founded in 2020, there is relatively little feedback from customers available on public forums. Sparrow’s role in refinancing is limited to the application period, however, so long-term customer experience is irrelevant.</p> <p><strong>For more information on Sparrow, read <a class="readmore" href="https://educationdata.org/sparrow-student-loan-refinance-review">our full review</a>.</strong></p> <h3 id="splash-financial">Splash Financial</h3> <table class="half" style="border-collapse: collapse; width: 100%;"> <caption>Our Rating: <span class="circle lightgreen">B</span></caption> <tbody> <tr class="desktop-hidden"> <td style="width: 50%;">Rating:</td> <td style="width: 50%;"> <span class="circle lightgreen">B</span></td> </tr> <tr> <td style="width: 50%;">Loan Limits:</td> <td style="width: 50%;">$5,000+</td> </tr> <tr> <td style="width: 50%;">Fixed Rates:</td> <td style="width: 50%;">4.39% – 10.24%</td> </tr> <tr> <td style="width: 50%;">Variable Rates:</td> <td style="width: 50%;">4.86% – 10.24% (No Cap Specified)</td> </tr> <tr> <td style="width: 50%;">Terms:</td> <td style="width: 50%;">5 – 20 or 25 years</td> </tr> <tr> <td style="width: 50%;">Min. Credit Score:</td> <td style="width: 50%;">700 (soft minimum)</td> </tr> <tr> <td style="width: 50%;">Apply</td> <td style="width: 50%;"><a href="https://www.splashfinancial.com/products/student-loan-refinancing/">Link</a></td> </tr> </tbody> </table> <p>Founded in 2015, Splash Financial, Inc. is an education loan refinancing platform specializing in educational financing for medical and health professionals. Splash is an affiliate of LendULink, LLC.</p> <p><strong>For more information on Splash Financial, read <a class="readmore" href="https://educationdata.org/splash-financial-student-loan-refinance-review">our full review</a>.</strong></p> <h3 id="supermoney">SuperMoney</h3> <table class="half" style="border-collapse: collapse; width: 100%;"> <caption>Our Rating: <span class="circle yellow">C</span></caption> <tbody> <tr class="desktop-hidden"> <td style="width: 50%;">Rating:</td> <td style="width: 50%;"> <span class="circle yellow">C</span></td> </tr> <tr> <td style="width: 50%;">Loan Limits:</td> <td style="width: 50%;">$2,000 – $1,000,000</td> </tr> <tr> <td style="width: 50%;">Fixed Rates:</td> <td style="width: 50%;">4.42% – 14.00%</td> </tr> <tr> <td style="width: 50%;">Variable Rates:</td> <td style="width: 50%;">4.42% – 14.00%</td> </tr> <tr> <td style="width: 50%;">Terms:</td> <td style="width: 50%;">1 to 25 years</td> </tr> <tr> <td style="width: 50%;">Min. Credit Score:</td> <td style="width: 50%;">660 – 680</td> </tr> <tr> <td style="width: 50%;">Apply</td> <td style="width: 50%;"><a href="https://app.supermoney.com/student-loan-refinance">Link</a></td> </tr> </tbody> </table> <p>SuperMoney LLC launched its student loan refinance lender marketplace in November of 2018. Though relatively small, early reviews are mostly positive. SuperMoney works with a lot of credit unions, and their marketplace includes lenders with loan rehabilitation programs.</p> <p><strong>For more information on SuperMoney, read <a class="readmore" href="https://educationdata.org/supermoney-student-loan-refinance-review">our full review</a>.</strong></p> <h3 id="uw-credit-union">UW Credit Union</h3> <table class="half" style="border-collapse: collapse; width: 100%;"> <caption>Our Rating: <span class="circle lightgreen">B</span></caption> <tbody> <tr class="desktop-hidden"> <td style="width: 50%;">Rating:</td> <td style="width: 50%;"> <span class="circle lightgreen">B</span></td> </tr> <tr> <td style="width: 50%;">Loan Limits:</td> <td style="width: 50%;">$5,000+</td> </tr> <tr> <td style="width: 50%;">Fixed Rates:</td> <td style="width: 50%;">5.64%+</td> </tr> <tr> <td style="width: 50%;">Variable Rates:</td> <td style="width: 50%;">6.31%+ (15.00% cap)</td> </tr> <tr> <td style="width: 50%;">Terms:</td> <td style="width: 50%;">5, 7, 10 or 15 years</td> </tr> <tr> <td style="width: 50%;">Min. Credit Score:</td> <td style="width: 50%;">Undisclosed</td> </tr> <tr> <td style="width: 50%;">Misc. Restrictions:</td> <td style="width: 50%;">Borrowers must be(come) UW Credit Union members</td> </tr> <tr> <td style="width: 50%;">Apply</td> <td style="width: 50%;"><a href="https://www.uwcu.org/loans/student-loans/refinance/">Link</a></td> </tr> </tbody> </table> <p>The University of Wisconsin Credit Union offers a speedy turnaround; the refinance loan process takes 2-4 weeks from application to loan dispersal. Membership is open to students, faculty, staff, and alumni (and their families) of Wisconsin’s massive public postsecondary system, as well as Wisconsin residents.</p> <p><strong>For more information on UW Credit Union, read <a class="readmore" href="https://educationdata.org/uw-credit-union-student-loan-refinance-review">our full review</a>.</strong></p> <h3 id="yrefy">Yrefy</h3> <table class="half" style="border-collapse: collapse; width: 100%;"> <caption>Our Rating: <span class="circle yellow">C+</span></caption> <tbody> <tr class="desktop-hidden"> <td style="width: 50%;">Rating:</td> <td style="width: 50%;"> <span class="circle yellow">C+</span></td> </tr> <tr> <td style="width: 50%;">Loan Limits:</td> <td style="width: 50%;">$5,000 – $350,000</td> </tr> <tr> <td style="width: 50%;">Fixed Rates:</td> <td style="width: 50%;">1.00% – 6.00%</td> </tr> <tr> <td style="width: 50%;">Variable Rates:</td> <td style="width: 50%;">None</td> </tr> <tr> <td style="width: 50%;">Terms:</td> <td style="width: 50%;">3 – 10 or 15 years</td> </tr> <tr> <td style="width: 50%;">Min. Credit Score:</td> <td style="width: 50%;">None</td> </tr> <tr> <td style="width: 50%;">Apply</td> <td style="width: 50%;"><a href="https://yrefy.com">Link</a></td> </tr> </tbody> </table> <p>Yrefy is one of the only lenders that will refinance defaulted loans. This lender offers income-based repayment and loan rehabilitation services, making it a good option for borrowers with distressed or delinquent loans. Conflicting and unclear information on its website drag its grade down.</p> <p><strong>For more information on Yrefy, read <a class="readmore" href="https://educationdata.org/yrefy-student-loan-refinance-review">our full review</a>.</strong></p> </article> <div class="accordion faq d1"> <h2 id="frequently-asked-questions"> Frequently Asked Questions </h2> <p> The following is a list of frequently asked questions about student loan refinancing. </p> <div class="card faq-card"> <div class="faq-card-header" id="heading0"> <h3 id="faq-what-exactly-is-refinancing"> <button class="btn" type="button" data-toggle="collapse" data-target="#collapse0" aria-expanded="false" aria-controls="collapse0"> <span class="text"> What exactly is refinancing? </span> <span class="icon"></span> </button> </h3> </div> <div id="collapse0" class="collapse" aria-labelledby="heading0"> <div class="faq-card-body"> <p>Refinancing a student loan means paying off that loan immediately with another loan from a separate lender. Borrowers may choose to refinance a single loan, or they may opt to pay off multiple loans at once. Refinancing student loans can be cost effective when borrowers are careful to choose the right terms and conditions for their economic needs. For reasons to refinance your student loans, read <a href="https://educationdata.org/right-to-rescind-a-refinance-loan">How to Choose the Right Loan Terms</a>.</p> </div> </div> </div> <div class="card faq-card"> <div class="faq-card-header" id="heading1"> <h3 id="faq-when-is-the-best-time-to-refinance"> <button class="btn" type="button" data-toggle="collapse" data-target="#collapse1" aria-expanded="false" aria-controls="collapse1"> <span class="text"> When is the best time to refinance? </span> <span class="icon"></span> </button> </h3> </div> <div id="collapse1" class="collapse" aria-labelledby="heading1"> <div class="faq-card-body"> <p>Consider refinancing any time you qualify for reduced interest rates. Successful refinancing is usually the outcome of a change in the borrower’s financial situation. For more about the best time to refinance, read <a href="https://educationdata.org/should-i-refinance-my-student-loans">Should I Refinance My Student Loans?</a> and <a href="https://educationdata.org/reasons-for-high-refinance-rates">Why You May Not Qualify for the Best Refinance Rates</a>.</p> </div> </div> </div> <div class="card faq-card"> <div class="faq-card-header" id="heading2"> <h3 id="faq-whats-the-difference-between-refinancing-and-consolidation"> <button class="btn" type="button" data-toggle="collapse" data-target="#collapse2" aria-expanded="false" aria-controls="collapse2"> <span class="text"> What’s the difference between refinancing and consolidation? </span> <span class="icon"></span> </button> </h3> </div> <div id="collapse2" class="collapse" aria-labelledby="heading2"> <div class="faq-card-body"> <p>Consolidation usually refers specifically to Federal Direct Loan Consolidation. It’s similar to the refinance process, but consolidation combines existing loans instead of taking out a whole new loan. Consolidating federal loans also retains certain borrower protections included with those loans.</p> </div> </div> </div> <div class="card faq-card"> <div class="faq-card-header" id="heading3"> <h3 id="faq-does-refinancing-a-federal-loan-mean-giving-up-federal-benefits-and-protections"> <button class="btn" type="button" data-toggle="collapse" data-target="#collapse3" aria-expanded="false" aria-controls="collapse3"> <span class="text"> Does refinancing a federal loan mean giving up federal benefits and protections? </span> <span class="icon"></span> </button> </h3> </div> <div id="collapse3" class="collapse" aria-labelledby="heading3"> <div class="faq-card-body"> <p>Because refinancing means getting a new loan, refinancing a federal loan means losing federal protections. Such benefits include student loan forgiveness or discharge and temporary federal student debt relief such as the CARES Act of 2020. For more about what special protections are exclusive to federal loans, read <a href="https://educationdata.org/federal-student-loan-protections">Federal Student Loan Protections</a>.</p> </div> </div> </div> <div class="card faq-card"> <div class="faq-card-header" id="heading4"> <h3 id="faq-can-i-refinance-just-one-of-my-loans"> <button class="btn" type="button" data-toggle="collapse" data-target="#collapse4" aria-expanded="false" aria-controls="collapse4"> <span class="text"> Can I refinance just one of my loans? </span> <span class="icon"></span> </button> </h3> </div> <div id="collapse4" class="collapse" aria-labelledby="heading4"> <div class="faq-card-body"> <p>Yes. Partial student loan financing is an option for borrowers who have multiple loans with varying interest rates. If just one or two loans carry a high interest rate, it may not be cost effective to refinance all of them. It is also possible to consolidate federal loans and refinance private loans separately.</p> </div> </div> </div> <div class="card faq-card"> <div class="faq-card-header" id="heading5"> <h3 id="faq-can-i-refinance-a-loan-more-than-once"> <button class="btn" type="button" data-toggle="collapse" data-target="#collapse5" aria-expanded="false" aria-controls="collapse5"> <span class="text"> Can I refinance a loan more than once? </span> <span class="icon"></span> </button> </h3> </div> <div id="collapse5" class="collapse" aria-labelledby="heading5"> <div class="faq-card-body"> <p>Yes. As you have more time to build a solid credit history, you may eventually qualify for an even lower rate. If your income increases significantly, you may also wish to shorten the term of your loan to pay it off quicker. For more about multiple refinance loans, read <a href="https://educationdata.org/how-many-times-can-you-refinance">How Many Times Can You Refinance?</a> and <a href="https://educationdata.org/how-to-lower-student-loan-interest-rate">How to Lower Your Interest Rate</a>.</p> </div> </div> </div> <div class="card faq-card"> <div class="faq-card-header" id="heading6"> <h3 id="faq-how-long-does-refinancing-take"> <button class="btn" type="button" data-toggle="collapse" data-target="#collapse6" aria-expanded="false" aria-controls="collapse6"> <span class="text"> How long does refinancing take? </span> <span class="icon"></span> </button> </h3> </div> <div id="collapse6" class="collapse" aria-labelledby="heading6"> <div class="faq-card-body"> <p>The entire process usually takes a month or two, up to 120 days. For some lenders, prequalification takes a few minutes with their online application. Final qualification may take 1 to 3 business days. Once you receive your loan offer, you’ll have 30 days before it expires. If you accept the offer, you have 3 days to rescind. Refinance lenders say to expect your original loans to be paid off in 14-30 days. Lenders generally say the first repayment comes due after 30-45 days. With some refinance lenders, the first repayment due date is relative to the time of disbursement; for others, it depends on the date of origination.</p> </div> </div> </div> <div class="card faq-card"> <div class="faq-card-header" id="heading7"> <h3 id="faq-does-refinancing-hurt-my-credit-score"> <button class="btn" type="button" data-toggle="collapse" data-target="#collapse7" aria-expanded="false" aria-controls="collapse7"> <span class="text"> Does refinancing hurt my credit score? </span> <span class="icon"></span> </button> </h3> </div> <div id="collapse7" class="collapse" aria-labelledby="heading7"> <div class="faq-card-body"> <p>To confirm your APR and offer terms, your lender will need to perform a hard credit inquiry. A hard credit pull is the type of credit pull that has the potential to damage your FICO score. Additionally, closing a line of credit has an impact on your score. While refinancing opens a new line of credit, paying off the initial loan(s) also closes one or more lines of credit. Thus, your score quickly “evens out.” For more about the impact refinancing may have on your credit score, read <a href="https://educationdata.org/how-refinancing-affects-credit-score">Does Refinancing Affect Your Credit Score?</a></p> </div> </div> </div> <div class="card faq-card"> <div class="faq-card-header" id="heading8"> <h3 id="faq-what-if-i-declare-bankruptcy"> <button class="btn" type="button" data-toggle="collapse" data-target="#collapse8" aria-expanded="false" aria-controls="collapse8"> <span class="text"> What if I declare bankruptcy? </span> <span class="icon"></span> </button> </h3> </div> <div id="collapse8" class="collapse" aria-labelledby="heading8"> <div class="faq-card-body"> <p>Most lenders won’t refinance loans for someone who has declared bankruptcy. Declaring bankruptcy <em>after</em> refinancing will not necessarily eliminate the debt. In early 2020, a New York federal judge discharged over $200,000 in student loans for one borrower who declared bankruptcy. This is not standard, however.</p> </div> </div> </div> <div class="card faq-card"> <div class="faq-card-header" id="heading9"> <h3 id="faq-should-i-consult-a-financial-advisor-before-i-refinance"> <button class="btn" type="button" data-toggle="collapse" data-target="#collapse9" aria-expanded="false" aria-controls="collapse9"> <span class="text"> Should I consult a financial advisor before I refinance? </span> <span class="icon"></span> </button> </h3> </div> <div id="collapse9" class="collapse" aria-labelledby="heading9"> <div class="faq-card-body"> <p>Your refinance lender should send you several legal disclosures. Read these disclosures carefully and make sure you understand your rights and responsibilities. If you still have concerns or there is anything you do not understand, it may be wise to meet with a third-party advisor. A financial professional may also alert you if anything in your loan contract seems suspicious.</p> </div> </div> </div> <div class="card faq-card"> <div class="faq-card-header" id="heading10"> <h3 id="faq-once-ive-agreed-to-refinance-my-student-loans-can-i-change-my-mind"> <button class="btn" type="button" data-toggle="collapse" data-target="#collapse10" aria-expanded="false" aria-controls="collapse10"> <span class="text"> Once I’ve agreed to refinance my student loans, can I change my mind? </span> <span class="icon"></span> </button> </h3> </div> <div id="collapse10" class="collapse" aria-labelledby="heading10"> <div class="faq-card-body"> <p>You have a legal right to rescind or cancel your acceptance of the new loan within three (3) days of your initial acceptance. The Right to Rescind is part of the Truth in Lending Act (TILA), which protects all consumer borrowers from predatory lenders. For more about how to use your right to rescind, read <a href="https://educationdata.org/right-to-rescind-a-refinance-loan">Right to Rescind a Refinance Loan</a>.</p> </div> </div> </div> <div class="card faq-card"> <div class="faq-card-header" id="heading11"> <h3 id="faq-are-there-student-debt-relief-scams"> <button class="btn" type="button" data-toggle="collapse" data-target="#collapse11" aria-expanded="false" aria-controls="collapse11"> <span class="text"> Are there student debt relief scams? </span> <span class="icon"></span> </button> </h3> </div> <div id="collapse11" class="collapse" aria-labelledby="heading11"> <div class="faq-card-body"> <p>In 2019, the Federal Trade Commission facilitated the repayment of more than $230 million to student borrowers who had been scammed. Recent investigations include:</p> <ul> <li>Student Debt Doctor</li> <li>Student Debt Relief Group</li> <li>Strategic Student Solutions</li> <li>Student Aid Center</li> <li>Alliance Document Preparation</li> <li>A1 DocPrep, Inc.</li> </ul> <p>The Federal Trade Commission posts a complete <a href="https://www.ftc.gov/enforcement/cases-proceedings/banned-mortgage-relief-debt-relief-companies-people">list</a> of people and companies banned from participating in debt relief businesses.</p> </div> </div> </div> <div class="card faq-card"> <div class="faq-card-header" id="heading12"> <h3 id="faq-what-are-the-signs-of-a-student-debt-relief-scam"> <button class="btn" type="button" data-toggle="collapse" data-target="#collapse12" aria-expanded="false" aria-controls="collapse12"> <span class="text"> What are the signs of a student debt relief scam? </span> <span class="icon"></span> </button> </h3> </div> <div id="collapse12" class="collapse" aria-labelledby="heading12"> <div class="faq-card-body"> <p>The FTC has distributed more than $1 million to the customers of a company that did business under multiple names, including American Student Loan Consolidators, BBND Marketing, and United Processing Center. Many companies do business under more than one name or change names when their services change. <strong>Multiple concurrent business names</strong>, however, may be designed to confuse clients and pass blame. Other signs include:</p> <ul> <li><strong>Asking for your Federal Student Aid or FSA ID password.</strong> No legitimate student loan servicer, even those working with the U.S. Department of Education, will ever ask for your FSA password. <u>Do not share this information with any lender.</u></li> <li><strong>Excessive upfront fees.</strong> It’s normal for servicers to charge for their services, such as initiating a line of credit or paying off loans on your behalf. Dozens of monthly fees or one-time fees over $200, however, are not standard.</li> <li><strong>Promises of immediate loan forgiveness.</strong> Loan forgiveness in the event of death is an industry standard. Other than that, private companies rarely forgive loan debt. At least one legitimate nonprofit company offers the potential for loan forgiveness on student debt more than 25 years old. Student loan forgiveness for federal loans is possible but rare.</li> </ul> <p>If you suspect a student loan debt relief scam, submit a complaint to the <a href="https://www.consumerfinance.gov/complaint/">Consumer Financial Protection Bureau</a> and the <a href="https://reportfraud.ftc.gov/#/">Federal Trade Commission</a>. You can also report the fraud to the <a href="https://www.naag.org/find-my-ag/">Attorney General</a> of your state.</p> </div> </div> </div> </div> </div> </div> </div> </main> <footer class="footer" itemscope itemtype="http://schema.org/Organization"> <div class="container"> <div class="footer__grid"> <div class="footer__grid-left"> <div class="footer__logo"> <img data-src="https://educationdata.org/wp-content/themes/educationdata/assets/img/logo-bottom.svg" alt="Education Data Initiative"> </div> <div class="footer__content"> <p itemprop="description"><p>We’re a team of researchers who believe important discussions in education deserve to start from a place of fact, not opinion. 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