Top Rated Student Loan Refinance Refinance Companies of 2025

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Inc.","foundingDate":"2007","url":"www.businessinsider.com","sameAs":["https://www.instagram.com/businessinsider","https://www.twitter.com/businessinsider","https://www.facebook.com/businessinsider","https://www.linkedin.com/company/businessinsider","https://www.youtube.com/@BusinessInsider"],"founder":{"@type":"Person","name":"Henry Blodget"},"logo":{"@type":"ImageObject","url":"https://www.businessinsider.com/public/assets/logos/structured-data.png"}},"headline":"Top Rated Student Loan Refinance Refinance Companies of 2025","alternativeHeadline":"Best Student Loan Refinance Refinance Companies of 2025: Reviews, Fees, & Comparisons","image":{"@type":"ImageObject","url":"https://i.insider.com/61c3574417dae400125ad871?width=1200&format=jpeg","width":1200,"height":900,"caption":"You may want to refinance your private student loan for a lower interest rate."},"name":"Best Student Loan Refinance Refinance Companies of 2025: Reviews, Fees, & Comparisons","datePublished":"2025-01-10T18:46:13Z","dateModified":"2025-02-05T21:55:31Z","description":"Discover the top student loan refinance lenders in 2025. Compare rates and find out how to save on your monthly payments with our comprehensive guide.","keywords":"","articleBody":"Affiliate links for the products on this page are from partners that compensate us (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate student loans to write unbiased product reviews.There are many reasons you may want to refinance your student loans. Perhaps you're looking to pay less interest, switch from a variable-rate to a fixed-rate loan, or change your payment term length.The top student loan refinance companies offer a variety of terms and low interest rates. But keep in mind that refinanced student loans are always issued by private student loan lenders—so if you originally had a federal student loan, refinancing means you'll lose some key benefits. If your original loan was from a private lender, though, you may have nothing to lose by refinancing.0.25% discount on regular rates with AutoPay5.88% - 9.73% variable and 4.29% - 9.49% fixed (with AutoPay discount)No fees665$5,000 to $500,000Earnest is a strong lender with competitive rates and a variety of term lengths. If you fall on financial hardship, you can skip a payment once per year — though that payment will extend the length of your loan term later.0.25% AutoPay interest rate discount and a 0.125% SoFi Plus Discount rate discountVariable: 5.99% - 9.99%, Fixed: 4.49% - 9.99% (with all discounts)Undisclosed$5,000 to full balanceSoFi is an excellent lender for borrowers who want competitive APRs and for those who don't want to worry about fees.0.25% discount on regular rates with AutoPay6.99% - 13.99% variable and 6.99% - 13.99% fixed (with AutoPay discount, varies by program)Late fee of $25 or 5% of payment, whichever is lessUndisclosed$5,000 to $300,000College Ave is a great lender for borrowers who want multiple options for repayment term lengths and are after a low APR. College Ave also offers many options for contacting customer support.Earnest has some of the most competitive starting rates of any of the best lenders on our list, so if you have excellent credit, it could be a good choice for you. Like Earnest's undergraduate and graduate new loans, its refinanced loans have a special perk: the ability to skip one payment every year. You can ask for your first skip once you've made at least six months of consecutive on-time, full principal and interest payments, as long as your loan is in good standing. However, interest will accrue during this time, and the lender will extend the final payoff date of your loan by the length of the skipped payment period. One thing to watch out for is that this lender has higher maximum interest rates. While Earnest eagerly shares its minimum rates, the company doesn't disclose those on the maximum end anywhere. If you have a shakier credit history, you may end up paying more interest than you initially expected.Earnest Student Loan ReviewLearn more at Earnest.SoFi is an excellent option for refinancing student loans because this lender does not charge any origination fees, late fees, or prepayment penalties. SoFi will let you check what rates they qualify for in as little as two minutes with a convenient online prequalification tool that won't hurt your credit score. Borrowers should be aware that SoFi advertises low interest rates; however, these rates are only available to consumers with great credit who set up autopay and the SoFi Plus Discount. SoFi Student Loan ReviewLearn more at SoFi Student Loans.PenFed offers the lowest maximum fixed refinance rates of any lender on our list. If you have poorer credit and are still able to qualify for a PenFed refinanced loan, you might get a better deal with it than elsewhere. You need to be a member of the credit union to get your loan. If you've served in the military or work at qualifying associations or organizations, you'll qualify. If that doesn't apply, you can easily join by opening a savings account with a $5 minimum deposit.PenFed doesn't offer variable-rate loans, which often start at lower rates than fixed-rate loans — although they can overtake fixed loan rates over time. If you want a variable loan, you won't be able to get one with PenFed.PenFed Student Loan ReviewLaurel Road offers some of the best fixed rates of all of our lenders, but keep in mind that only 11% of applicants who applied between July 2019 and June 2021 qualified for Laurel Road's top rate, according to the company's website. Don't bank on getting it unless you have excellent credit. If you sign up for a Laurel Road checking account, you'll receive an interest rate discount on your refinanced loan. You can redeem 2x cash back toward student loan payments with the Laurel Road Student Loan Cash Back credit card.Borrowers need to watch out for late fees with this lender. Laurel Road's late fee is $38 or 5% of your payment, whichever is less. If you fall behind on payments, the total cost of your loan will add up. Laurel Road Student Loan ReviewSplash Financial is a student loan marketplace, not a direct lender. A marketplace allows you to compare loan offers from multiple lenders at once. The marketplace allows you to check your rates with no impact on your credit score. As a result, it's tricky to nail down the exact terms you'll receive with Splash Financial. For instance, some of the company's lending partners have no maximum amount you can refinance, while others have a cap. You may like Splash Financial if you want to compare a bunch of different companies all at once with one application.You should also keep in mind that Splash Financial doesn't underwrite its own loans. As a result, you'll be dealing with whatever partner lender you choose and may have a different experience with them managing your loan than the one you expected.Splash Financial Student Loan ReviewCitizens Bank's top loan amount of $750,000 is the highest of any lender we compiled that discloses a maximum loan amount.Citizens Bank is also the only brick-and-mortar bank we have listed, which may be a good option for those who are more comfortable with traditional banking. Citizens Bank's minimum of $10,000 is also the highest of any lender on our list. So, if you have a small amount of debt, another lender is probably a better fit for you. Citizens Bank Student Loan ReviewLendKey is a marketplace, not a direct lender. A student loan marketplace allows you to compare loan offers from multiple lenders at once. The marketplace allows you to check your rates with no impact on your credit score. LendKey partners with credit unions and community banks, so you may get a more personalized level of service than you would with a Splash Financial marketplace partner.As a borrower, you should know that LendKey has the lowest maximum refinance amount of any of the best lenders on the list. This probably won't be an issue unless you have a significant amount of loan debt. LendKey Student Loan Marketplace ReviewCollege Ave offers 11 repayment term lengths, making it among the most flexible student loan lenders with regard to loan terms. You're able to take out a loan for five to 15 years with College Ave. Many other lenders limit your selection to four or five options — though some others do offer 20-year term lengths (which College Ave does not).You should look out for College Ave's lower maximum refinancing amount. If you have a truly significant amount of debt (we're talking hundreds of thousands of dollars), you may not be able to refinance all your debt with College Ave. This won't be the case for the vast majority of borrowers, but it bears noting.College Ave Student Loan ReviewLearn more at College Ave Student Loan Refinancing.Student loan refinancing is when a private lender repays your existing student loans and then gives you a single new loan to replace them. Depending on your credit score and income, your new loan could come with a lower interest rate, saving you money over the life of the loan. You can also choose new repayment terms, usually within 5-20 years. With student loan financing, a private lender always provides your new loan – whether the existing student loans are federal or private. This makes student loan refinancing different from student loan consolidation. For instance, with student loan consolidation, multiple federal student loans can be combined into a single federal student loan. Before you consider refinancing a student loan, know that private student loans — which all refinanced loans are — are not eligible for the same protections and benefits as federal student loans. These include opportunities for loan forgiveness and more flexibility with repayments.Refinancing student loans can help you save money and simplify your finances. Your refinanced student loan could have a lower interest rate than your current loan — especially if you have good credit and a decent income. That means you'll pay less in interest as you repay the loan.A refinanced student loan also allows you to replace multiple student loans with a single loan. That means you'll be responsible for making just one monthly payment, which could relieve financial stress and help you avoid missing payments.The difference between student loan refinancing and consolidation can be confusing, especially because people sometimes use the terms interchangeably. However, these are two different processes, and depending on your financial goals, one may be better for you than the other. Student loan refinancing involves restructuring your current loan or loans and getting a new one with updated terms. You'll make a single monthly payment. You can refinance private and federal loans into one combined loan. When you refinance federal loans with a private lender, you'll lose some key borrower protections. Consolidation is the process of combining multiple loans into one. You'll make a single monthly payment after consolidation. When you consolidate loans, your new loan consolidation rate is the weighted average of your old loans' rates, rounded up to the nearest eighth of a percent.If you can get a lower interest rate on your loan, it might pay off to refinance. It could also be worth refinancing your student loan if you have a variable interest rate that's gone up significantly and you want a fixed interest rate so you have predictable payments.However, federal loans have some unique benefits, so only refinance after assessing all of your options.You don't have anything to lose by refinancing a private loan if you can get a better rate and save money. You won't forgo any federal protections such as income-driven repayment plans, deferment, or forbearance.If you're unsure if refinancing makes sense for you, it's worth using a student loan refinance calculator to see how much you could save. You'll input your current loan terms, along with the terms of the loan you're considering refinancing into, and the calculator will show you both your monthly savings and your potential savings over the lifetime of the new loan.Lenders consider several factors when deciding whether you qualify for student loan refinancing. Your credit score significantly impacts your eligibility to refinance a student loan. You can raise your credit score by paying your bills on time, paying off existing debt, and requesting higher credit limits from your credit card company.Income and your debt-to-income (DTI) ratio are also important factors. That means earning a raise, getting a higher-paying job, and paying off debts could help you qualify. The lower your debt-to-income ratio, the better. If you still don't qualify, you can consider applying with a cosigner.Here are the steps to refinance student loans:Don't just go with the first refinance option you come across; the best student loan refinance company for you will depend on what you're looking for and details like your credit score and existing loan terms.If your main goal in refinancing your student loan is lowering your interest rate, compare the rates you qualify for with several lenders to find the lowest option. Note that the higher your credit score, the better the rates you'll generally be offered.In this guide, we highlight the standout features of our top refinance picks. This can be a good starting place to evaluate what matters most to you. Beyond finding the lowest interest rate, you might look for refinance lenders without fees, lenders with the widest variety of repayment terms, or companies with brick-and-mortar locations so you can visit and discuss your options in person.The Better Business Bureau, a non-profit organization focused on consumer protection and trust, measures businesses using information like their responsiveness to consumer complaints, truthfulness in advertising, and transparency about business practices. Here is each company's score:All of our picks are rated A or higher by the BBB, with the exception of Laurel Road, but its parent company, KeyBank, has an A+ rating.It's important to note that a good BBB grade doesn't guarantee you'll have a good relationship with your lender, nor does a bad BBB grade mean you'll have a bad experience. Read online customer reviews or ask family and friends about their firsthand experience with the company before signing on the dotted line. The best time to refinance student loans may be after you've recently improved your credit score. That way, you'll be more likely to qualify for a lower rate and save on the overall cost of your loan.There is no minimum credit score you need to refinance your student loans. However, you'll likely get a better rate with a higher credit score.The risks of student loan refinancing include losing key protections such as federal loan relief programs like Public Service Loan Forgiveness. You also won't be eligible for specific repayment options like income-driven repayment plans, which take your specific income and family size into account when determining monthly payments.Yes, you can refinance both federal and private student loans. You can also refinance a mix of federal and private student loans into a single private loan. However, be aware that you'll lose the benefits of having a federal student loan, including eligibility for student loan forgiveness. The amount you save when refinancing student loans depends on multiple factors, including your credit score and income. If you qualify for a refinanced student loan with a significantly lower interest rate, you could end up saving thousands of dollars. No, refinancing student loans doesn't hurt your credit in the long term if you stay on top of payments. When you apply for student loan refinancing, the lender will conduct a hard credit check. This can cause a temporary decrease in your credit score. However, if you consistently make on-time loan payments, the refinancing should ultimately positively affect your credit.Business Insider's personal finance experts aim to help you make the best, most informed decisions with your money. In picking the best student loan refinancing companies, we combed through lenders and compared interest rates, terms, and all the fine print. Our coverage of student loan lenders includes student loan refinance reviews, and these reviews inform our top picks in this student loan refinancing guide.We looked for seven factors in determining the best student loan refinance companies, including: The overall rating is a weighted average of these categories. Each category is assigned a weighting based on its impact on your borrowing experience. Read more about how we rate student loans »","articleSection":"Personal Finance, Loans, Student Loans","isAccessibleForFree":true,"hasPart":[{"@type":"WebPageElement","isAccessibleForFree":true,"cssSelector":".content-lock-content"}]} </script> <script type="application/ld+json"> {"@context":"https://schema.org","@type":"FAQPage","mainEntity":[{"@type":"Question","name":"When is the best time to refinance student loans?","acceptedAnswer":{"@type":"Answer","text":"<p class=\"faq-answer\">The best time to refinance student loans may be after you've recently improved your credit score. That way, you'll be more likely to qualify for a lower rate and save on the overall cost of your loan.</p>"}},{"@type":"Question","name":"What credit score do you need to refinance your student loans?","acceptedAnswer":{"@type":"Answer","text":"<p class=\"faq-answer\">There is no minimum credit score you need to refinance your student loans. However, you'll likely get a better rate with a higher credit score.</p>"}},{"@type":"Question","name":"What are the risks of student loan refinancing?","acceptedAnswer":{"@type":"Answer","text":"<p class=\"faq-answer\">The risks of student loan refinancing include losing key protections such as federal loan relief programs like Public Service Loan Forgiveness. You also won't be eligible for specific repayment options like <a target=\"_blank\" href=\"https://www.businessinsider.com/personal-finance/student-loans/how-to-apply-for-income-driven-repayment-student-loans\" data-analytics-product-module=\"body_link\" rel=\"\">income-driven repayment plans</a>, which take your specific income and family size into account when determining monthly payments.</p>"}},{"@type":"Question","name":"Can I refinance both federal and private student loans?","acceptedAnswer":{"@type":"Answer","text":"<p class=\"faq-answer\">Yes, you can refinance both federal and private student loans. You can also refinance a mix of federal and private student loans into a single private loan. 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However, if you consistently make on-time loan payments, the refinancing should ultimately positively affect your credit.</p>"}}]} </script> <script type="application/ld+json"> {"@context":"http://schema.org","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"item":{"@id":"https://www.businessinsider.com/personal-finance","name":"Personal Finance"}},{"@type":"ListItem","position":2,"item":{"@id":"https://www.businessinsider.com/personal-finance/loans","name":"Loans"}},{"@type":"ListItem","position":3,"item":{"@id":"https://www.businessinsider.com/personal-finance/student-loans","name":"Student Loans"}},{"@type":"ListItem","position":4,"item":{"@id":"https://www.businessinsider.com/personal-finance/student-loans/best-student-loan-refinance-companies","name":"Best Student Loan Refinance Refinance Companies of 2025: Reviews, Fees, & Comparisons"}}]} </script> <script>window.allScripts = window.allScripts || []; window.allScripts.push({ type: "load", script: 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class="byline-link byline-author-name" data-e2e-name="byline-author-name" href="https://www.businessinsider.com/author/maddy-scheckel" >Maddy Scheckel</a><span class="headline-regular">;</span></span> <span class="headline-regular">edited by</span> <a class="byline-link byline-author-name" href="https://www.businessinsider.com/author/sarah-silbert" >Sarah Silbert</a><span class="headline-regular">;</span> <span class="headline-regular">reviewed by</span> <a class="byline-link byline-author-name" href="https://www.businessinsider.com/author/elias-shaya" >Elias Shaya</a> </div> <div class="byline-updated"> Updated </div> <time class="byline-timestamp headline-regular js-date-format" data-timestamp="2025-01-10T18:46:13Z" data-e2e-name="byline-timestamp" data-disable-relative-formatting > 2025-01-10T18:46:13Z </time> </div> </div> </div> </div> <section class="sharebar " data-component-type="legacy-share" data-load-strategy="interaction" data-location="" > <div 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See <a href="https://www.businessinsider.com/personal-finance/student-loans/how-we-rate-student-loans" class="not-content-link" target="_blank" data-analytics-product-module="body_link" rel="">how we rate student loans</a> to write unbiased product reviews.</aside> <div class="col-12"> </div> <div class="sticky-toc-content-wrapper"> <aside class="sticky-toc as-aside" data-component-type="sticky-toc"> <nav class="sticky-toc-aside js-sticky-toc-aside"> <menu class="sticky-toc-menu"> <li> <a href="#best-student-loan-refinancing-companies" class="sticky-toc-link headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Best Student Loan Refinancing Companies </a> </li> <li> <a href="#best-for-good-credit" class="sticky-toc-link headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Best for Good Credit </a> </li> <li> <a href="#best-for-no-fees" class="sticky-toc-link headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Best for No Fees </a> </li> <li> <a href="#best-credit-union-option" class="sticky-toc-link headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Best Credit Union Option </a> </li> <li> <a href="#best-for-competitive-rates" class="sticky-toc-link headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Best for Competitive Rates </a> </li> <li> <a href="#best-for-comparing-multiple-lenders" class="sticky-toc-link headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Best for Comparing Multiple Lenders </a> </li> <li> <a href="#best-brick-and-mortar-option" class="sticky-toc-link headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Best Brick-and-Mortar Option </a> </li> <li> <a href="#best-for-personalized-service" class="sticky-toc-link headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Best for Personalized Service </a> </li> <li> <a href="#best-for-flexible-payment-terms" class="sticky-toc-link headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Best for Flexible Payment Terms </a> </li> <li> <a href="#choosing-the-right-student-loan-refinance-lender" class="sticky-toc-link headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Choosing the Right Student Loan Refinance Lender </a> </li> <li> <a href="#student-loan-refinance-lender-trustworthiness" class="sticky-toc-link headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Student Loan Refinance Lender Trustworthiness </a> </li> <li> <a href="#faqs" class="sticky-toc-link headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > FAQs </a> </li> <li> <a href="#why-you-should-trust-us" class="sticky-toc-link headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Why You Should Trust Us </a> </li> </menu> </nav> </aside> <div> <section class="post-content typography with-sticky-toc-aside pfi-post" data-track-content="" data-post-type="post" > <div id="piano-inline-content-wrapper" data-piano-inline-content-wrapper data-user-status="anonymous" > <div data-component-type="content-lock" data-load-strategy="exclude"> <div class="content-lock-content"> <div class="table-of-contents table-of-contents-sticky" data-analytics-module="jump-to" data-type="custom"></div><p id="first-content-image"></p><p>There are many reasons you may want to refinance your student loans. Perhaps you're looking to pay less interest, switch from a variable-rate to a fixed-rate loan, or change your payment term length.</p><p>The top student loan refinance companies offer a variety of terms and low interest rates. But keep in mind that refinanced student loans are always issued by <a target="_blank" class="" href="https://www.businessinsider.com/personal-finance/student-loans/best-private-student-loans" data-analytics-product-module="body_link" rel="">private student loan lenders</a>—so if you originally had a federal student loan, refinancing means you'll lose some key benefits. If your original loan was from a private lender, though, you may have nothing to lose by refinancing.</p> <aside class="quick-tip headline-regular ignore-typography"> <h2 id="best-student-loan-refinancing-companies" data-toc-id="5c3aff52-a208-40ed-96a9-ce94bd60572f" data-toc-label="Best Student Loan Refinancing Companies" class="toc-anchor">Best Student Loan Refinance Companies</h2><ul><li>Best for good credit: <a target="_blank" rel="nofollow noopener" data-analytics-product-module="commerce_shortcode" data-analytics-product-id="61d717827f19ae00138f2168" data-analytics-product-brand="Earnest" data-analytics-product-name="Earnest Student Loan Refinancing" href="https://secure.money.com/pr/y63fdeeba5b7">Earnest Student Loan Refinancing</a></li><li>Best for no fees: <a target="_blank" rel="nofollow noopener" data-analytics-product-module="commerce_shortcode" data-analytics-product-id="62702fd7ae151a001a2ccd2e" data-analytics-product-brand="SoFi®" data-analytics-product-name="SoFi Student Loan Refinancing" href="https://secure.money.com/pr/j76398f6cc17">SoFi Student Loan Refinancing</a></li><li>Best credit union option: <a target="_blank" rel="nofollow noopener" data-analytics-product-module="commerce_shortcode" data-analytics-product-id="62703147f7985a001ab88ed5" data-analytics-product-brand="PenFed" data-analytics-product-name="PenFed Student Loan Refinancing" href="https://secure.money.com/pr/cc8109560919">PenFed Student Loan Refinancing</a></li><li>Best for competitive rates: <a target="_blank" rel="nofollow noopener" data-analytics-product-module="commerce_shortcode" data-analytics-product-id="61d613782273480012b5a125" data-analytics-product-brand="Laurel Road" data-analytics-product-name="Laurel Road Student Loan Refinancing" href="https://secure.money.com/pr/z5534db55a56">Laurel Road Student Loan Refinancing</a></li><li>Best for comparing multiple lenders: <a target="_blank" rel="nofollow noopener" data-analytics-product-module="commerce_shortcode" data-analytics-product-id="6270328a5104a000197069e1" data-analytics-product-brand="Splash Financial" data-analytics-product-name="Splash Financial Student Loan Refinancing" href="https://secure.money.com/pr/a85888d86cc4">Splash Financial Student Loan Refinancing</a></li><li>Best brick-and-mortar option: <a target="_blank" rel="nofollow noopener" data-analytics-product-module="commerce_shortcode" data-analytics-product-id="627034115104a000197069f9" data-analytics-product-brand="Citizens" data-analytics-product-name="Citizens Bank Student Loan Refinancing" href="https://secure.money.com/pr/fcdb70e30f13">Citizens Bank Student Loan Refinancing</a></li><li>Best for personalized service: <a target="_blank" rel="nofollow noopener" data-analytics-product-module="commerce_shortcode" data-analytics-product-id="625459c1ae151a001a2ca1a7" data-analytics-product-brand="LendKey" data-analytics-product-name="LendKey Student Loan Marketplace" href="https://secure.money.com/pr/j1e1ea4d9942">LendKey Student Loan Marketplace</a></li><li>Best for flexible repayment terms: <a target="_blank" rel="nofollow noopener" data-analytics-product-module="commerce_shortcode" data-analytics-product-id="62703b56ae151a001a2ccdce" data-analytics-product-brand="College Ave" data-analytics-product-name="College Ave Student Loan Refinancing" href="https://secure.money.com/pr/zf7172a02b45">College Ave Student Loan Refinancing</a></li></ul><h3 id="2af8425e-ba68-495d-8991-f72210299ef3" data-toc-id="2af8425e-ba68-495d-8991-f72210299ef3">Featured Student Loan Refinance Offers</h3> <div id="earnest-student-loan-refinancing" class="financial-product-card ignore-typography" data-component-type="financial-product-card"> <div class="product-label-container"> <div class="product-label__container"> <span class="product-label headline-regular "> Best for good credit </span> </div> </div> <div class="financial-product-card__grid-container"> <div class="financial-product-card__product-title headline-semibold ">Earnest Student Loan Refinancing</div> <div class="financial-product-card__cta-container"> <a target="_blank" href="https://secure.money.com/pr/y63fdeeba5b7" rel="nofollow noindex" data-analytics-product-id="61d717827f19ae00138f2168" data-analytics-product-brand="Earnest" data-analytics-product-name="Earnest Student Loan Refinancing" data-analytics-product-index="1" data-analytics-product-module="financial_product_card" data-analytics-product-area="button" class="financial-product-card__accent-button not-content-link headline-semibold"> Apply now <svg xmlns="http://www.w3.org/2000/svg" width="17" height="16" fill="none"> <title>lock icon</title> <desc>An icon in the shape of lock.</desc> <g clip-path="url(#a)"> <path d="M12.501 5.334h-.666V4a3.335 3.335 0 0 0-6.667 0v1.334h-.667c-.733 0-1.333.6-1.333 1.333v6.667c0 .733.6 1.333 1.333 1.333h8c.734 0 1.334-.6 1.334-1.333V6.667c0-.733-.6-1.333-1.334-1.333ZM6.501 4c0-1.106.894-2 2-2 1.107 0 2 .894 2 2v1.334h-4V4Zm6 9.334h-8V6.667h8v6.667Z" fill="#fff"></path> </g> <defs> <clipPath id="a"> <path fill="#fff" transform="translate(.5)" d="M0 0h16v16H0z"></path> </clipPath> </defs> </svg> </a> <div class="financial-product-card__terms-container"> <span class="financial-product-card__issuer headline-regular">On Earnest's website</span> <div class="financial-product-card__footer headline-regular"> </div> </div> </div> <div> <div class="financial-product-card__card-image"> <a target="_blank" href="https://secure.money.com/pr/y63fdeeba5b7" rel="nofollow noindex" data-analytics-product-id="61d717827f19ae00138f2168" data-analytics-product-brand="Earnest" data-analytics-product-name="Earnest Student Loan Refinancing" data-analytics-product-index="1" data-analytics-product-module="financial_product_card" data-analytics-product-area="image"> <div class="lazy-holder lazy-holder financial-product-card__card-image__bg" style="padding-top: calc(100% * 181 / 289)"> <img class="lazy-image financial-product-card__card-image__bg" src="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1 1'%3E%3C/svg%3E" data-src="https://i.insider.com/6128fe3580be940019b9fb2f?width=400" alt="Earnest Earnest Student Loan Refinancing"> <noscript> <img class="no-script" src="https://i.insider.com/6128fe3580be940019b9fb2f?width=400" /> </noscript> </div> </a> </div> <div class="financial-product-card__star-container" id="61d717827f19ae00138f2168-star-rating"> <strong class="financial-product-card__star-container__label headline-semibold">Insider’s Rating </strong> <div class="star-rating financial-product-card__star-rating"> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.07254577912422477"> <stop stop-color="#faa809" offset="100%"></stop> <stop stop-color="white" offset="100%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.07254577912422477)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.5651196976248698"> <stop stop-color="#faa809" offset="100%"></stop> <stop stop-color="white" offset="100%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.5651196976248698)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.20837780431893793"> <stop stop-color="#faa809" offset="100%"></stop> <stop stop-color="white" offset="100%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.20837780431893793)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.8687862733404779"> <stop stop-color="#faa809" offset="50%"></stop> <stop stop-color="white" offset="50%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.8687862733404779)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.8659601465899154"> <stop stop-color="#faa809" offset="-50%"></stop> <stop stop-color="white" offset="-50%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.8659601465899154)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg></div> <span class="financial-product-card__rating_value headline-regular">3.5<span>/5</span></span> </div> </div> <div class="financial-product-card__perks-banner"> <div class="financial-product-card__perks-banner__perks-icon"> <svg xmlns="http://www.w3.org/2000/svg" width="24" height="29" fill="none"> <title>Icon of check mark inside a promo stamp</title> <desc>It indicates a confirmed selection.</desc> <path fill-rule="evenodd" clip-rule="evenodd" d="M15.12 6.755 12 3.885l-3.12 2.87-4.296-.578-.75 4.065L0 12.177l1.906 3.708L0 19.593l3.834 1.934.75 4.066 4.297-.578L12 27.885l3.12-2.87 4.296.578.75-4.066L24 19.593l-1.906-3.708L24 12.177l-3.834-1.935-.75-4.065-4.297.578Zm1.408 4.13 1.334 1.366-8.144 7.78-4.027-3.81 1.342-1.366 2.685 2.59 6.81-6.56Z" fill="#002aff"></path> </svg> </div> <div> <strong class="financial-product-card__perks-banner__title headline-semibold"> Perks <div class="component rich-tooltip financial-product-card-rich-tooltip" role="tooltip" data-tooltip-position="middle"> <svg xmlns="http://www.w3.org/2000/svg" width="16" height="17" fill="none"> <title></title> <desc>Info icon</desc> <path d="M8 2.218c-3.673 0-6.666 2.992-6.666 6.666 0 3.674 2.993 6.667 6.667 6.667s6.666-2.993 6.666-6.667-2.992-6.666-6.666-6.666ZM8 3.55a5.323 5.323 0 0 1 5.334 5.333 5.323 5.323 0 0 1-5.333 5.334 5.323 5.323 0 0 1-5.334-5.334 5.323 5.323 0 0 1 5.334-5.333Zm-.166 2a.5.5 0 0 0-.5.5v.333a.5.5 0 0 0 .5.5h.333a.5.5 0 0 0 .5-.5v-.333a.5.5 0 0 0-.5-.5h-.333Zm0 2.667a.5.5 0 0 0-.5.5v3a.5.5 0 0 0 .5.5h.333a.5.5 0 0 0 .5-.5v-3a.5.5 0 0 0-.5-.5h-.333Z" fill="#76767a"></path> </svg> <div class="rich-tooltip-wrapper headline-regular"> <div class="rich-tooltip-message headline-regular">Earnest loans are serviced by Earnest Operations LLC, 535 Mission St., Suite 1663 San Francisco, CA 94105, NMLS #1204917, with support from Higher Education Loan Authority of the State of Missouri (MOHELA) (NMLS# 1442770). One American Bank, FinWise Bank, and Earnest LLC and its subsidiaries, including Earnest Operations LLC, are not sponsored by agencies of the United States of America.</div> </div> </div> <style>.rich-tooltip-wrapper { display: none; }</style> </strong> <p class="financial-product-card__perks-banner__text headline-regular">0.25% discount on regular rates with AutoPay</p> </div> </div> <div class="financial-product-card__specs"> <div> <div> <strong class="financial-product-card__specs__title headline-semibold"> Regular Annual Percentage Rate (APR) </strong> <div class="component rich-tooltip financial-product-card-rich-tooltip" role="tooltip" data-tooltip-position="middle"> <svg xmlns="http://www.w3.org/2000/svg" width="16" height="17" fill="none"> <title></title> <desc>Info icon</desc> <path d="M8 2.218c-3.673 0-6.666 2.992-6.666 6.666 0 3.674 2.993 6.667 6.667 6.667s6.666-2.993 6.666-6.667-2.992-6.666-6.666-6.666ZM8 3.55a5.323 5.323 0 0 1 5.334 5.333 5.323 5.323 0 0 1-5.333 5.334 5.323 5.323 0 0 1-5.334-5.334 5.323 5.323 0 0 1 5.334-5.333Zm-.166 2a.5.5 0 0 0-.5.5v.333a.5.5 0 0 0 .5.5h.333a.5.5 0 0 0 .5-.5v-.333a.5.5 0 0 0-.5-.5h-.333Zm0 2.667a.5.5 0 0 0-.5.5v3a.5.5 0 0 0 .5.5h.333a.5.5 0 0 0 .5-.5v-3a.5.5 0 0 0-.5-.5h-.333Z" fill="#76767a"></path> </svg> <div class="rich-tooltip-wrapper headline-regular"> <div class="rich-tooltip-message headline-regular">Student Loan Refinance Interest Rate Disclosure Actual rate and available repayment terms will vary based on your income. Fixed rates range from 4.54% APR to 9.74% APR (excludes 0.25% Auto Pay discount). Variable rates range from 6.13% APR to 9.98% APR (excludes 0.25% Auto Pay discount). Earnest variable interest rate student loan refinance loans are based on a publicly available index, the 30-day Average Secured Overnight Financing Rate (SOFR) published by the Federal Reserve Bank of New York. The variable rate is based on the rate published on the 25th day, or the next business day, of the preceding calendar month, rounded to the nearest hundredth of a percent. The rate will not increase more than once per month. The maximum rate for your loan is 8.95% if your loan term is 10 years or less. For loan terms of more than 10 years to 15 years, the interest rate will never exceed 9.95%. For loan terms over 15 years, the interest rate will never exceed 11.95%. Please note, we are not able to offer variable rate loans in AK, IL, MN, NH, OH, TN, and TX. Our lowest rates are only available for our most credit qualified borrowers and contain our .25% auto pay discount from a checking or savings account.</div> </div> </div> <style>.rich-tooltip-wrapper { display: none; }</style> </div> <p class="financial-product-card__specs__text headline-regular">5.88% - 9.73% variable and 4.29% - 9.49% fixed (with AutoPay discount)</p> </div> <div> <div> <strong class="financial-product-card__specs__title headline-semibold"> Fees </strong> </div> <p class="financial-product-card__specs__text headline-regular">No fees</p> </div> <div> <div> <strong class="financial-product-card__specs__title headline-semibold"> Recommended Credit </strong> </div> <p class="financial-product-card__specs__text headline-regular">665</p> </div> <div> <div> <strong class="financial-product-card__specs__title headline-semibold"> Loan Amount Range </strong> </div> <p class="financial-product-card__specs__text headline-regular">$5,000 to $500,000</p> </div> </div> </div> <div class="financial-product-card__collapsable-area d-none"> <div class="pros-and-cons pros-and-cons__financial"> <div class="pros-and-cons__subgrid-container" style="grid-row: span 5" data-analytics-product-id="61d717827f19ae00138f2168" data-analytics-product-brand="Earnest" data-analytics-product-name="Earnest Student Loan Refinancing" data-analytics-product-index="1" data-analytics-product-module="financial_product_card" data-analytics-product-area="pros_cons"> <strong class="headline-semibold">Pros</strong> <ul class="pros-and-cons__list"> <li class="pros-and-cons__list-item headline-regular"><svg xmlns="http://www.w3.org/2000/svg" width="12" height="13" fill="none"> <title>Check mark icon</title> <desc>A check mark. It indicates a confirmation of your intended interaction.</desc> <path d="m11.7867 3.1745-1.2679-1.366-6.4774 6.5606L1.4879 5.779.2119 7.1456l3.8302 3.8098 7.7446-7.7808Z" fill="#098941"></path> </svg> <span>No origination fee or prepayment penalty</span></li> <li class="pros-and-cons__list-item headline-regular"><svg xmlns="http://www.w3.org/2000/svg" width="12" height="13" fill="none"> <title>Check mark icon</title> <desc>A check mark. It indicates a confirmation of your intended interaction.</desc> <path d="m11.7867 3.1745-1.2679-1.366-6.4774 6.5606L1.4879 5.779.2119 7.1456l3.8302 3.8098 7.7446-7.7808Z" fill="#098941"></path> </svg> <span>No late fees</span></li> <li class="pros-and-cons__list-item headline-regular"><svg xmlns="http://www.w3.org/2000/svg" width="12" height="13" fill="none"> <title>Check mark icon</title> <desc>A check mark. It indicates a confirmation of your intended interaction.</desc> <path d="m11.7867 3.1745-1.2679-1.366-6.4774 6.5606L1.4879 5.779.2119 7.1456l3.8302 3.8098 7.7446-7.7808Z" fill="#098941"></path> </svg> <span>Low minimum interest rate</span></li> <li class="pros-and-cons__list-item headline-regular"><svg xmlns="http://www.w3.org/2000/svg" width="12" height="13" fill="none"> <title>Check mark icon</title> <desc>A check mark. It indicates a confirmation of your intended interaction.</desc> <path d="m11.7867 3.1745-1.2679-1.366-6.4774 6.5606L1.4879 5.779.2119 7.1456l3.8302 3.8098 7.7446-7.7808Z" fill="#098941"></path> </svg> <span>Skip a payment option</span></li> </ul> </div> <div class="pros-and-cons__subgrid-container" style="grid-row: span 3"> <strong class="headline-semibold">Cons</strong> <ul class="pros-and-cons__list"> <li class="pros-and-cons__list-item headline-regular"> <svg xmlns="http://www.w3.org/2000/svg" width="13" height="13" fill="none"> <title>con icon</title> <desc>Two crossed lines that form an 'X'.</desc> <path d="m11.3536 2.5486-1.0173-1.0173L6.5 5.3674 2.6638 1.5313 1.6465 2.5484l3.8362 3.8363-3.8362 3.8363 1.0173 1.0173L6.5 7.4021l3.8363 3.8363 1.0173-1.0173-3.8363-3.8363 3.8363-3.8363Z" fill="#EA0201"></path> </svg> <span>No mobile app</span></li> <li class="pros-and-cons__list-item headline-regular"> <svg xmlns="http://www.w3.org/2000/svg" width="13" height="13" fill="none"> <title>con icon</title> <desc>Two crossed lines that form an 'X'.</desc> <path d="m11.3536 2.5486-1.0173-1.0173L6.5 5.3674 2.6638 1.5313 1.6465 2.5484l3.8362 3.8363-3.8362 3.8363 1.0173 1.0173L6.5 7.4021l3.8363 3.8363 1.0173-1.0173-3.8363-3.8363 3.8363-3.8363Z" fill="#EA0201"></path> </svg> <span>No weekend customer support</span></li> </ul> </div> </div> <div class="financial-product-card__editorial-opinion"> <strong class="financial-product-card__editorial-opinion__title headline-semibold"> Insider’s Take </strong> <p class="financial-product-card__editorial-opinion__text headline-regular">Earnest is a strong lender with competitive rates and a variety of term lengths. If you fall on financial hardship, you can skip a payment once per year — though that payment will extend the length of your loan term later.</p> <a class="not-content-link financial-product-card__editorial-opinion__link headline-semibold" target="_blank" href="https://www.businessinsider.com/personal-finance/student-loans/earnest-student-loans-review" data-analytics-product-id="61d717827f19ae00138f2168" data-analytics-product-brand="Earnest" data-analytics-product-name="Earnest Student Loan Refinancing" data-analytics-product-index="1" data-analytics-product-module="financial_product_card" data-analytics-product-area="read_our_review" rel=""> Earnest <span class="not-content-link financial-product-card__editorial-opinion__link-icon"> review<svg xmlns="http://www.w3.org/2000/svg" width="16" height="17" fill="none"> <title>External link Arrow</title> <desc>An arrow icon, indicating this redirects the user."</desc> <g clip-path="url(#a)"> <path d="M6.0003 4.2178V5.551h4.3934L2.667 13.2778l.94.94 7.7267-7.7267v4.3933h1.3333V4.2178H6.0003Z"></path> </g> <defs> <clipPath id="a"> <path transform="translate(0 .8848)" d="M0 0h16v16H0z"></path> </clipPath> </defs> </svg></span> </a></div> <div class="financial-product-card__product-details"> <strong class="financial-product-card__product-details__title headline-semibold"> Product Details </strong> <ul class="financial-product-card__product-details__list headline-regular"> <li class="financial-product-card__product-details__list-item">Customer service available via phone, live chat, email, and standard mail</li> <li class="financial-product-card__product-details__list-item">Five, seven, 10, 15, and 20-year repayment term lengths available</li> <li class="financial-product-card__product-details__list-item">Loan amount range between $5,000 to $500,000</li> <li class="financial-product-card__product-details__list-item">Skip a payment feature allows you to forgo making one payment every year</li> <li class="financial-product-card__product-details__list-item">Loans are originated by Earnest Operations LLC</li> <li class="financial-product-card__product-details__list-item">This is an advertisement. You are not required to make any payment or take any other action in response to this offer.</li> </ul> </div> </div> <div class="financial-product-card__collapse-button-container"> <a class="financial-product-card__collapse-button not-content-link headline-semibold" data-analytics-product-id="61d717827f19ae00138f2168" data-analytics-product-brand="Earnest" data-analytics-product-name="Earnest Student Loan Refinancing" data-analytics-product-index="1" data-analytics-product-module="financial_product_card" data-analytics-product-area="pros_cons_and_more" rel=""> <span class="financial-product-card__expander-label">Show Pros, Cons, and More</span> <svg xmlns="http://www.w3.org/2000/svg" width="16" height="17" fill="none"> <title>chevron down icon</title> <desc>An icon in the shape of an angle pointing down.</desc> <path d="M3.679 6.474a.05.05 0 0 1-.01-.014s-.002-.004-.002-.012V6.44l.001-.001s.002-.005.011-.014l.961-.962c.008-.008.014-.01.014-.01s.004-.002.012-.002h.008l.001.001.004.002a.078.078 0 0 1 .01.01L8 8.771l3.311-3.311c.008-.008.014-.01.014-.01s.004-.002.01-.002h.007l.003.001s.007.003.018.013l.959.96c.009.009.01.013.01.013l.001.002V6.456s-.004.007-.014.018L8.026 10.77a.049.049 0 0 1-.014.01s-.004.002-.012.002h-.008l-.002-.001s-.007-.003-.018-.013L3.68 6.474Z" fill="#002aff"></path> </svg> </a> </div> </div> <div id="sofi-student-loan-refinancing" class="financial-product-card ignore-typography" data-component-type="financial-product-card"> <div class="product-label-container"> <div class="product-label__container"> <span class="product-label headline-regular "> Best for no fees </span> </div> </div> <div class="financial-product-card__grid-container"> <div class="financial-product-card__product-title headline-semibold ">SoFi Student Loan Refinancing</div> <div class="financial-product-card__cta-container"> <a target="_blank" href="https://secure.money.com/pr/j76398f6cc17" rel="nofollow noindex" data-analytics-product-id="62702fd7ae151a001a2ccd2e" data-analytics-product-brand="SoFi®" data-analytics-product-name="SoFi Student Loan Refinancing" data-analytics-product-index="2" data-analytics-product-module="financial_product_card" data-analytics-product-area="button" class="financial-product-card__accent-button not-content-link headline-semibold"> Apply now <svg xmlns="http://www.w3.org/2000/svg" width="17" height="16" fill="none"> <title>lock icon</title> <desc>An icon in the shape of lock.</desc> <g clip-path="url(#a)"> <path d="M12.501 5.334h-.666V4a3.335 3.335 0 0 0-6.667 0v1.334h-.667c-.733 0-1.333.6-1.333 1.333v6.667c0 .733.6 1.333 1.333 1.333h8c.734 0 1.334-.6 1.334-1.333V6.667c0-.733-.6-1.333-1.334-1.333ZM6.501 4c0-1.106.894-2 2-2 1.107 0 2 .894 2 2v1.334h-4V4Zm6 9.334h-8V6.667h8v6.667Z" fill="#fff"></path> </g> <defs> <clipPath id="a"> <path fill="#fff" transform="translate(.5)" d="M0 0h16v16H0z"></path> </clipPath> </defs> </svg> </a> <div class="financial-product-card__terms-container"> <span class="financial-product-card__issuer headline-regular">On SoFi®'s website</span> <div class="financial-product-card__footer headline-regular"> </div> </div> </div> <div> <div class="financial-product-card__card-image"> <a target="_blank" href="https://secure.money.com/pr/j76398f6cc17" rel="nofollow noindex" data-analytics-product-id="62702fd7ae151a001a2ccd2e" data-analytics-product-brand="SoFi®" data-analytics-product-name="SoFi Student Loan Refinancing" data-analytics-product-index="2" data-analytics-product-module="financial_product_card" data-analytics-product-area="image"> <div class="lazy-holder lazy-holder financial-product-card__card-image__bg" style="padding-top: calc(100% * 181 / 289)"> <img class="lazy-image financial-product-card__card-image__bg" src="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1 1'%3E%3C/svg%3E" data-src="https://i.insider.com/6220f7b504579d001893d7a9?width=400" alt="SoFi® SoFi Student Loan Refinancing"> <noscript> <img class="no-script" src="https://i.insider.com/6220f7b504579d001893d7a9?width=400" /> </noscript> </div> </a> </div> <div class="financial-product-card__star-container" id="62702fd7ae151a001a2ccd2e-star-rating"> <strong class="financial-product-card__star-container__label headline-semibold">Insider’s Rating </strong> <div class="star-rating financial-product-card__star-rating"> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.4906567923553218"> <stop stop-color="#faa809" offset="100%"></stop> <stop stop-color="white" offset="100%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.4906567923553218)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.4215523953875291"> <stop stop-color="#faa809" offset="100%"></stop> <stop stop-color="white" offset="100%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.4215523953875291)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.9805638703824511"> <stop stop-color="#faa809" offset="100%"></stop> <stop stop-color="white" offset="100%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.9805638703824511)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.8713168277794707"> <stop stop-color="#faa809" offset="100%"></stop> <stop stop-color="white" offset="100%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.8713168277794707)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.14117491253407932"> <stop stop-color="#faa809" offset="50%"></stop> <stop stop-color="white" offset="50%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.14117491253407932)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg></div> <span class="financial-product-card__rating_value headline-regular">4.5<span>/5</span></span> </div> </div> <div class="financial-product-card__perks-banner"> <div class="financial-product-card__perks-banner__perks-icon"> <svg xmlns="http://www.w3.org/2000/svg" width="24" height="29" fill="none"> <title>Icon of check mark inside a promo stamp</title> <desc>It indicates a confirmed selection.</desc> <path fill-rule="evenodd" clip-rule="evenodd" d="M15.12 6.755 12 3.885l-3.12 2.87-4.296-.578-.75 4.065L0 12.177l1.906 3.708L0 19.593l3.834 1.934.75 4.066 4.297-.578L12 27.885l3.12-2.87 4.296.578.75-4.066L24 19.593l-1.906-3.708L24 12.177l-3.834-1.935-.75-4.065-4.297.578Zm1.408 4.13 1.334 1.366-8.144 7.78-4.027-3.81 1.342-1.366 2.685 2.59 6.81-6.56Z" fill="#002aff"></path> </svg> </div> <div> <strong class="financial-product-card__perks-banner__title headline-semibold"> Perks </strong> <p class="financial-product-card__perks-banner__text headline-regular">0.25% AutoPay interest rate discount and a 0.125% SoFi Plus Discount rate discount</p> </div> </div> <div class="financial-product-card__specs"> <div> <div> <strong class="financial-product-card__specs__title headline-semibold"> Regular Annual Percentage Rate (APR) </strong> <div class="component rich-tooltip financial-product-card-rich-tooltip" role="tooltip" data-tooltip-position="middle"> <svg xmlns="http://www.w3.org/2000/svg" width="16" height="17" fill="none"> <title></title> <desc>Info icon</desc> <path d="M8 2.218c-3.673 0-6.666 2.992-6.666 6.666 0 3.674 2.993 6.667 6.667 6.667s6.666-2.993 6.666-6.667-2.992-6.666-6.666-6.666ZM8 3.55a5.323 5.323 0 0 1 5.334 5.333 5.323 5.323 0 0 1-5.333 5.334 5.323 5.323 0 0 1-5.334-5.334 5.323 5.323 0 0 1 5.334-5.333Zm-.166 2a.5.5 0 0 0-.5.5v.333a.5.5 0 0 0 .5.5h.333a.5.5 0 0 0 .5-.5v-.333a.5.5 0 0 0-.5-.5h-.333Zm0 2.667a.5.5 0 0 0-.5.5v3a.5.5 0 0 0 .5.5h.333a.5.5 0 0 0 .5-.5v-3a.5.5 0 0 0-.5-.5h-.333Z" fill="#76767a"></path> </svg> <div class="rich-tooltip-wrapper headline-regular"> <div class="rich-tooltip-message headline-regular">Fixed rates range from 4.49% APR to 9.99% APR with 0.25% autopay discount and 0.125% SoFi Plus discount. Variable rates range from 5.99% APR to 9.99% APR with 0.25% autopay discount and 0.125% SoFi Plus discount. Unless required to be lower to comply with applicable law, Variable Interest rates will never exceed 13.95% (the maximum rate for these loans). SoFi rate ranges are current as of 11/30/24 and are subject to change at any time. Your actual rate will be within the range of rates listed above and will depend on the term you select, evaluation of your creditworthiness, income, presence of a co-signer and a variety of other factors. Lowest rates reserved for the most creditworthy borrowers. For the SoFi variable-rate product, the variable interest rate for a given month is derived by adding a margin to the 30-day average SOFR index, published two business days preceding such calendar month, rounded up to the nearest one hundredth of one percent (0.01% or 0.0001). APRs for variable-rate loans may increase after origination if the SOFR index increases. You may pay more interest over the life of the loan if you refinance with an extended term. Autopay Discount: The SoFi 0.25% autopay interest rate reduction requires you to agree to make monthly principal and interest payments by an automatic monthly deduction from a savings or checking account. This benefit will be removed during periods in which you do not pay by automatic deduction from a savings or checking account. The benefit lowers your interest rate but does not change the amount of your monthly payment. This benefit is suspended during periods of deferment and forbearance. Autopay is not required to receive a loan from SoFi. SoFi Plus Discount: To be eligible to receive an additional (0.125%) interest rate reduction on your Student Loan Refinancing (your "Loan") for enrolling in SoFi Plus, you must enroll in SoFi Plus within 30 days of Loan funding, either by receiving a Direct Deposit to your SoFi Checking and Savings account, or by paying the SoFi Plus Subscription Fee. Once eligible, you will receive this discount during periods in which you have received Direct Deposit to your SoFi Checking and Savings Account, or during periods in which SoFi successfully receives payment of the SoFi Plus Subscription Fee. This discount lowers your interest rate but does not change the amount of your regular monthly payment. This discount will be removed during periods in which SoFi determines you have turned off Direct Deposit to your Checking and Savings account or in which you have not paid the SoFi Plus Subscription Fee. SoFi reserves the right to change or terminate this interest rate reduction offer for unenrolled participants at any time without notice. You are not required to enroll in Direct Deposit or to pay the SoFi Plus Subscription Fee to be eligible for Loan approval.</div> </div> </div> <style>.rich-tooltip-wrapper { display: none; }</style> </div> <p class="financial-product-card__specs__text headline-regular">Variable: 5.99% - 9.99%, Fixed: 4.49% - 9.99% (with all discounts)</p> </div> <div> <div> <strong class="financial-product-card__specs__title headline-semibold"> Recommended Credit </strong> </div> <p class="financial-product-card__specs__text headline-regular">Undisclosed</p> </div> <div> <div> <strong class="financial-product-card__specs__title headline-semibold"> Loan Amount Range </strong> </div> <p class="financial-product-card__specs__text headline-regular">$5,000 to full balance</p> </div> </div> </div> <div class="financial-product-card__collapsable-area d-none"> <div class="pros-and-cons pros-and-cons__financial"> <div class="pros-and-cons__subgrid-container" style="grid-row: span 5" data-analytics-product-id="62702fd7ae151a001a2ccd2e" data-analytics-product-brand="SoFi®" data-analytics-product-name="SoFi Student Loan Refinancing" data-analytics-product-index="2" data-analytics-product-module="financial_product_card" data-analytics-product-area="pros_cons"> <strong class="headline-semibold">Pros</strong> <ul class="pros-and-cons__list"> <li class="pros-and-cons__list-item headline-regular"><svg xmlns="http://www.w3.org/2000/svg" width="12" height="13" fill="none"> <title>Check mark icon</title> <desc>A check mark. It indicates a confirmation of your intended interaction.</desc> <path d="m11.7867 3.1745-1.2679-1.366-6.4774 6.5606L1.4879 5.779.2119 7.1456l3.8302 3.8098 7.7446-7.7808Z" fill="#098941"></path> </svg> <span>No maximum balance you can refinance</span></li> <li class="pros-and-cons__list-item headline-regular"><svg xmlns="http://www.w3.org/2000/svg" width="12" height="13" fill="none"> <title>Check mark icon</title> <desc>A check mark. It indicates a confirmation of your intended interaction.</desc> <path d="m11.7867 3.1745-1.2679-1.366-6.4774 6.5606L1.4879 5.779.2119 7.1456l3.8302 3.8098 7.7446-7.7808Z" fill="#098941"></path> </svg> <span>Low minimum interest rate</span></li> <li class="pros-and-cons__list-item headline-regular"><svg xmlns="http://www.w3.org/2000/svg" width="12" height="13" fill="none"> <title>Check mark icon</title> <desc>A check mark. It indicates a confirmation of your intended interaction.</desc> <path d="m11.7867 3.1745-1.2679-1.366-6.4774 6.5606L1.4879 5.779.2119 7.1456l3.8302 3.8098 7.7446-7.7808Z" fill="#098941"></path> </svg> <span>Autopay discount</span></li> <li class="pros-and-cons__list-item headline-regular"><svg xmlns="http://www.w3.org/2000/svg" width="12" height="13" fill="none"> <title>Check mark icon</title> <desc>A check mark. It indicates a confirmation of your intended interaction.</desc> <path d="m11.7867 3.1745-1.2679-1.366-6.4774 6.5606L1.4879 5.779.2119 7.1456l3.8302 3.8098 7.7446-7.7808Z" fill="#098941"></path> </svg> <span>No origination fee or prepayment penalty</span></li> </ul> </div> <div class="pros-and-cons__subgrid-container" style="grid-row: span 2"> <strong class="headline-semibold">Cons</strong> <ul class="pros-and-cons__list"> <li class="pros-and-cons__list-item headline-regular"> <svg xmlns="http://www.w3.org/2000/svg" width="13" height="13" fill="none"> <title>con icon</title> <desc>Two crossed lines that form an 'X'.</desc> <path d="m11.3536 2.5486-1.0173-1.0173L6.5 5.3674 2.6638 1.5313 1.6465 2.5484l3.8362 3.8363-3.8362 3.8363 1.0173 1.0173L6.5 7.4021l3.8363 3.8363 1.0173-1.0173-3.8363-3.8363 3.8363-3.8363Z" fill="#EA0201"></path> </svg> <span>Third-party loan servicer</span></li> </ul> </div> </div> <div class="financial-product-card__editorial-opinion"> <strong class="financial-product-card__editorial-opinion__title headline-semibold"> Insider’s Take </strong> <p class="financial-product-card__editorial-opinion__text headline-regular">SoFi is an excellent lender for borrowers who want competitive APRs and for those who don't want to worry about fees.</p> <a class="not-content-link financial-product-card__editorial-opinion__link headline-semibold" target="_blank" href="https://www.businessinsider.com/personal-finance/student-loans/sofi-student-loans-review" data-analytics-product-id="62702fd7ae151a001a2ccd2e" data-analytics-product-brand="SoFi®" data-analytics-product-name="SoFi Student Loan Refinancing" data-analytics-product-index="2" data-analytics-product-module="financial_product_card" data-analytics-product-area="read_our_review" rel=""> SoFi Student Loans <span class="not-content-link financial-product-card__editorial-opinion__link-icon"> review<svg xmlns="http://www.w3.org/2000/svg" width="16" height="17" fill="none"> <title>External link Arrow</title> <desc>An arrow icon, indicating this redirects the user."</desc> <g clip-path="url(#a)"> <path d="M6.0003 4.2178V5.551h4.3934L2.667 13.2778l.94.94 7.7267-7.7267v4.3933h1.3333V4.2178H6.0003Z"></path> </g> <defs> <clipPath id="a"> <path transform="translate(0 .8848)" d="M0 0h16v16H0z"></path> </clipPath> </defs> </svg></span> </a></div> <div class="financial-product-card__product-details"> <strong class="financial-product-card__product-details__title headline-semibold"> Product Details </strong> <ul class="financial-product-card__product-details__list headline-regular"> <li class="financial-product-card__product-details__list-item">0.25% AutoPay discount</li> <li class="financial-product-card__product-details__list-item">Apply through your computer or mobile device</li> <li class="financial-product-card__product-details__list-item">Customer service available via phone, mail, and social media</li> <li class="financial-product-card__product-details__list-item">Loan amount from $5,000 to full balance</li> <li class="financial-product-card__product-details__list-item">Term lengths of five, seven, 10, 15, and 20 years</li> <li class="financial-product-card__product-details__list-item">Loans are serviced through third-party affiliate MOHELA</li> </ul> </div> </div> <div class="financial-product-card__collapse-button-container"> <a class="financial-product-card__collapse-button not-content-link headline-semibold" data-analytics-product-id="62702fd7ae151a001a2ccd2e" data-analytics-product-brand="SoFi®" data-analytics-product-name="SoFi Student Loan Refinancing" data-analytics-product-index="2" data-analytics-product-module="financial_product_card" data-analytics-product-area="pros_cons_and_more" rel=""> <span class="financial-product-card__expander-label">Show Pros, Cons, and More</span> <svg xmlns="http://www.w3.org/2000/svg" width="16" height="17" fill="none"> <title>chevron down icon</title> <desc>An icon in the shape of an angle pointing down.</desc> <path d="M3.679 6.474a.05.05 0 0 1-.01-.014s-.002-.004-.002-.012V6.44l.001-.001s.002-.005.011-.014l.961-.962c.008-.008.014-.01.014-.01s.004-.002.012-.002h.008l.001.001.004.002a.078.078 0 0 1 .01.01L8 8.771l3.311-3.311c.008-.008.014-.01.014-.01s.004-.002.01-.002h.007l.003.001s.007.003.018.013l.959.96c.009.009.01.013.01.013l.001.002V6.456s-.004.007-.014.018L8.026 10.77a.049.049 0 0 1-.014.01s-.004.002-.012.002h-.008l-.002-.001s-.007-.003-.018-.013L3.68 6.474Z" fill="#002aff"></path> </svg> </a> </div> </div> <div id="college-ave-student-loan-refinancing" class="financial-product-card ignore-typography" data-component-type="financial-product-card"> <div class="product-label-container"> <div class="product-label__container"> <span class="product-label headline-regular "> Best for flexible repayment terms </span> </div> </div> <div class="financial-product-card__grid-container"> <div class="financial-product-card__product-title headline-semibold ">College Ave Student Loan Refinancing</div> <div class="financial-product-card__cta-container"> <a target="_blank" href="https://secure.money.com/pr/zf7172a02b45" rel="nofollow noindex" data-analytics-product-id="62703b56ae151a001a2ccdce" data-analytics-product-brand="College Ave" data-analytics-product-name="College Ave Student Loan Refinancing" data-analytics-product-index="3" data-analytics-product-module="financial_product_card" data-analytics-product-area="button" class="financial-product-card__accent-button not-content-link headline-semibold"> Apply now <svg xmlns="http://www.w3.org/2000/svg" width="17" height="16" fill="none"> <title>lock icon</title> <desc>An icon in the shape of lock.</desc> <g clip-path="url(#a)"> <path d="M12.501 5.334h-.666V4a3.335 3.335 0 0 0-6.667 0v1.334h-.667c-.733 0-1.333.6-1.333 1.333v6.667c0 .733.6 1.333 1.333 1.333h8c.734 0 1.334-.6 1.334-1.333V6.667c0-.733-.6-1.333-1.334-1.333ZM6.501 4c0-1.106.894-2 2-2 1.107 0 2 .894 2 2v1.334h-4V4Zm6 9.334h-8V6.667h8v6.667Z" fill="#fff"></path> </g> <defs> <clipPath id="a"> <path fill="#fff" transform="translate(.5)" d="M0 0h16v16H0z"></path> </clipPath> </defs> </svg> </a> <div class="financial-product-card__terms-container"> <span class="financial-product-card__issuer headline-regular">Compare loan options and get your rates today.</span> <div class="financial-product-card__footer headline-regular"> </div> </div> </div> <div> <div class="financial-product-card__card-image"> <a target="_blank" href="https://secure.money.com/pr/zf7172a02b45" rel="nofollow noindex" data-analytics-product-id="62703b56ae151a001a2ccdce" data-analytics-product-brand="College Ave" data-analytics-product-name="College Ave Student Loan Refinancing" data-analytics-product-index="3" data-analytics-product-module="financial_product_card" data-analytics-product-area="image"> <div class="lazy-holder lazy-holder financial-product-card__card-image__bg" style="padding-top: calc(100% * 181 / 289)"> <img class="lazy-image financial-product-card__card-image__bg" src="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1 1'%3E%3C/svg%3E" data-src="https://i.insider.com/5f75e14774fe5b0018a8e742?width=400" alt="College Ave College Ave Student Loan Refinancing"> <noscript> <img class="no-script" src="https://i.insider.com/5f75e14774fe5b0018a8e742?width=400" /> </noscript> </div> </a> </div> <div class="financial-product-card__star-container" id="62703b56ae151a001a2ccdce-star-rating"> <strong class="financial-product-card__star-container__label headline-semibold">Insider’s Rating </strong> <div class="star-rating financial-product-card__star-rating"> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.31532879712820483"> <stop stop-color="#faa809" offset="100%"></stop> <stop stop-color="white" offset="100%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.31532879712820483)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.9109465618068397"> <stop stop-color="#faa809" offset="100%"></stop> <stop stop-color="white" offset="100%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.9109465618068397)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.10637255138465074"> <stop stop-color="#faa809" offset="100%"></stop> <stop stop-color="white" offset="100%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.10637255138465074)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.6205276757581233"> <stop stop-color="#faa809" offset="75%"></stop> <stop stop-color="white" offset="75%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.6205276757581233)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.015395226920064786"> <stop stop-color="#faa809" offset="-25%"></stop> <stop stop-color="white" offset="-25%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.015395226920064786)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg></div> <span class="financial-product-card__rating_value headline-regular">3.75<span>/5</span></span> </div> </div> <div class="financial-product-card__perks-banner"> <div class="financial-product-card__perks-banner__perks-icon"> <svg xmlns="http://www.w3.org/2000/svg" width="24" height="29" fill="none"> <title>Icon of check mark inside a promo stamp</title> <desc>It indicates a confirmed selection.</desc> <path fill-rule="evenodd" clip-rule="evenodd" d="M15.12 6.755 12 3.885l-3.12 2.87-4.296-.578-.75 4.065L0 12.177l1.906 3.708L0 19.593l3.834 1.934.75 4.066 4.297-.578L12 27.885l3.12-2.87 4.296.578.75-4.066L24 19.593l-1.906-3.708L24 12.177l-3.834-1.935-.75-4.065-4.297.578Zm1.408 4.13 1.334 1.366-8.144 7.78-4.027-3.81 1.342-1.366 2.685 2.59 6.81-6.56Z" fill="#002aff"></path> </svg> </div> <div> <strong class="financial-product-card__perks-banner__title headline-semibold"> Perks </strong> <p class="financial-product-card__perks-banner__text headline-regular">0.25% discount on regular rates with AutoPay</p> </div> </div> <div class="financial-product-card__specs"> <div> <div> <strong class="financial-product-card__specs__title headline-semibold"> Regular Annual Percentage Rate (APR) </strong> </div> <p class="financial-product-card__specs__text headline-regular">6.99% - 13.99% variable and 6.99% - 13.99% fixed (with AutoPay discount, varies by program)</p> </div> <div> <div> <strong class="financial-product-card__specs__title headline-semibold"> Fees </strong> </div> <p class="financial-product-card__specs__text headline-regular">Late fee of $25 or 5% of payment, whichever is less</p> </div> <div> <div> <strong class="financial-product-card__specs__title headline-semibold"> Recommended Credit </strong> </div> <p class="financial-product-card__specs__text headline-regular">Undisclosed</p> </div> <div> <div> <strong class="financial-product-card__specs__title headline-semibold"> Loan Amount Range </strong> </div> <p class="financial-product-card__specs__text headline-regular">$5,000 to $300,000</p> </div> </div> </div> <div class="financial-product-card__collapsable-area d-none"> <div class="pros-and-cons pros-and-cons__financial"> <div class="pros-and-cons__subgrid-container" style="grid-row: span 5" data-analytics-product-id="62703b56ae151a001a2ccdce" data-analytics-product-brand="College Ave" data-analytics-product-name="College Ave Student Loan Refinancing" data-analytics-product-index="3" data-analytics-product-module="financial_product_card" data-analytics-product-area="pros_cons"> <strong class="headline-semibold">Pros</strong> <ul class="pros-and-cons__list"> <li class="pros-and-cons__list-item headline-regular"><svg xmlns="http://www.w3.org/2000/svg" width="12" height="13" fill="none"> <title>Check mark icon</title> <desc>A check mark. It indicates a confirmation of your intended interaction.</desc> <path d="m11.7867 3.1745-1.2679-1.366-6.4774 6.5606L1.4879 5.779.2119 7.1456l3.8302 3.8098 7.7446-7.7808Z" fill="#098941"></path> </svg> <span>Low maximum interest rate</span></li> <li class="pros-and-cons__list-item headline-regular"><svg xmlns="http://www.w3.org/2000/svg" width="12" height="13" fill="none"> <title>Check mark icon</title> <desc>A check mark. It indicates a confirmation of your intended interaction.</desc> <path d="m11.7867 3.1745-1.2679-1.366-6.4774 6.5606L1.4879 5.779.2119 7.1456l3.8302 3.8098 7.7446-7.7808Z" fill="#098941"></path> </svg> <span>No origination fee</span></li> <li class="pros-and-cons__list-item headline-regular"><svg xmlns="http://www.w3.org/2000/svg" width="12" height="13" fill="none"> <title>Check mark icon</title> <desc>A check mark. It indicates a confirmation of your intended interaction.</desc> <path d="m11.7867 3.1745-1.2679-1.366-6.4774 6.5606L1.4879 5.779.2119 7.1456l3.8302 3.8098 7.7446-7.7808Z" fill="#098941"></path> </svg> <span>No prepayment penalty</span></li> <li class="pros-and-cons__list-item headline-regular"><svg xmlns="http://www.w3.org/2000/svg" width="12" height="13" fill="none"> <title>Check mark icon</title> <desc>A check mark. It indicates a confirmation of your intended interaction.</desc> <path d="m11.7867 3.1745-1.2679-1.366-6.4774 6.5606L1.4879 5.779.2119 7.1456l3.8302 3.8098 7.7446-7.7808Z" fill="#098941"></path> </svg> <span>Many repayment term lengths</span></li> </ul> </div> <div class="pros-and-cons__subgrid-container" style="grid-row: span 4"> <strong class="headline-semibold">Cons</strong> <ul class="pros-and-cons__list"> <li class="pros-and-cons__list-item headline-regular"> <svg xmlns="http://www.w3.org/2000/svg" width="13" height="13" fill="none"> <title>con icon</title> <desc>Two crossed lines that form an 'X'.</desc> <path d="m11.3536 2.5486-1.0173-1.0173L6.5 5.3674 2.6638 1.5313 1.6465 2.5484l3.8362 3.8363-3.8362 3.8363 1.0173 1.0173L6.5 7.4021l3.8363 3.8363 1.0173-1.0173-3.8363-3.8363 3.8363-3.8363Z" fill="#EA0201"></path> </svg> <span>Lower maximum refinancing amount</span></li> <li class="pros-and-cons__list-item headline-regular"> <svg xmlns="http://www.w3.org/2000/svg" width="13" height="13" fill="none"> <title>con icon</title> <desc>Two crossed lines that form an 'X'.</desc> <path d="m11.3536 2.5486-1.0173-1.0173L6.5 5.3674 2.6638 1.5313 1.6465 2.5484l3.8362 3.8363-3.8362 3.8363 1.0173 1.0173L6.5 7.4021l3.8363 3.8363 1.0173-1.0173-3.8363-3.8363 3.8363-3.8363Z" fill="#EA0201"></path> </svg> <span>Late fee</span></li> <li class="pros-and-cons__list-item headline-regular"> <svg xmlns="http://www.w3.org/2000/svg" width="13" height="13" fill="none"> <title>con icon</title> <desc>Two crossed lines that form an 'X'.</desc> <path d="m11.3536 2.5486-1.0173-1.0173L6.5 5.3674 2.6638 1.5313 1.6465 2.5484l3.8362 3.8363-3.8362 3.8363 1.0173 1.0173L6.5 7.4021l3.8363 3.8363 1.0173-1.0173-3.8363-3.8363 3.8363-3.8363Z" fill="#EA0201"></path> </svg> <span>High minimum interest rate</span></li> </ul> </div> </div> <div class="financial-product-card__editorial-opinion"> <strong class="financial-product-card__editorial-opinion__title headline-semibold"> Insider’s Take </strong> <p class="financial-product-card__editorial-opinion__text headline-regular">College Ave is a great lender for borrowers who want multiple options for repayment term lengths and are after a low APR. College Ave also offers many options for contacting customer support.</p> <a class="not-content-link financial-product-card__editorial-opinion__link headline-semibold" target="_blank" href="https://www.businessinsider.com/personal-finance/student-loans/college-ave-student-loans-review" data-analytics-product-id="62703b56ae151a001a2ccdce" data-analytics-product-brand="College Ave" data-analytics-product-name="College Ave Student Loan Refinancing" data-analytics-product-index="3" data-analytics-product-module="financial_product_card" data-analytics-product-area="read_our_review" rel=""> College Ave Student Loan Refinancing <span class="not-content-link financial-product-card__editorial-opinion__link-icon"> review<svg xmlns="http://www.w3.org/2000/svg" width="16" height="17" fill="none"> <title>External link Arrow</title> <desc>An arrow icon, indicating this redirects the user."</desc> <g clip-path="url(#a)"> <path d="M6.0003 4.2178V5.551h4.3934L2.667 13.2778l.94.94 7.7267-7.7267v4.3933h1.3333V4.2178H6.0003Z"></path> </g> <defs> <clipPath id="a"> <path transform="translate(0 .8848)" d="M0 0h16v16H0z"></path> </clipPath> </defs> </svg></span> </a></div> <div class="financial-product-card__product-details"> <strong class="financial-product-card__product-details__title headline-semibold"> Product Details </strong> <ul class="financial-product-card__product-details__list headline-regular"> <li class="financial-product-card__product-details__list-item">Eleven different term lengths, from five to 15 years</li> <li class="financial-product-card__product-details__list-item">Loan amount range between $5,000 to $300,000</li> <li class="financial-product-card__product-details__list-item">Contact customer support by text, email, phone, live chat, or physical mail</li> <li class="financial-product-card__product-details__list-item">Loans made through Firstrust Bank, member FDIC or M.Y. Safra Bank, FSB, member FDIC</li> </ul> </div> </div> <div class="financial-product-card__collapse-button-container"> <a class="financial-product-card__collapse-button not-content-link headline-semibold" data-analytics-product-id="62703b56ae151a001a2ccdce" data-analytics-product-brand="College Ave" data-analytics-product-name="College Ave Student Loan Refinancing" data-analytics-product-index="3" data-analytics-product-module="financial_product_card" data-analytics-product-area="pros_cons_and_more" rel=""> <span class="financial-product-card__expander-label">Show Pros, Cons, and More</span> <svg xmlns="http://www.w3.org/2000/svg" width="16" height="17" fill="none"> <title>chevron down icon</title> <desc>An icon in the shape of an angle pointing down.</desc> <path d="M3.679 6.474a.05.05 0 0 1-.01-.014s-.002-.004-.002-.012V6.44l.001-.001s.002-.005.011-.014l.961-.962c.008-.008.014-.01.014-.01s.004-.002.012-.002h.008l.001.001.004.002a.078.078 0 0 1 .01.01L8 8.771l3.311-3.311c.008-.008.014-.01.014-.01s.004-.002.01-.002h.007l.003.001s.007.003.018.013l.959.96c.009.009.01.013.01.013l.001.002V6.456s-.004.007-.014.018L8.026 10.77a.049.049 0 0 1-.014.01s-.004.002-.012.002h-.008l-.002-.001s-.007-.003-.018-.013L3.68 6.474Z" fill="#002aff"></path> </svg> </a> </div> </div> </aside> <h3 id="best-for-good-credit" data-toc-id="c4f41f06-fc40-4d8a-8858-0731f8c89f0d" data-toc-label="Best for Good Credit" class="toc-anchor">Best for Good Credit: <a target="_blank" rel="nofollow noopener" data-analytics-product-module="commerce_shortcode" data-analytics-product-id="61d717827f19ae00138f2168" data-analytics-product-brand="Earnest" data-analytics-product-name="Earnest Student Loan Refinancing" href="https://secure.money.com/pr/y63fdeeba5b7">Earnest Student Loan Refinancing</a></h3><p>Earnest has some of the most competitive starting rates of any of the best lenders on our list, so if you have <a target="_blank" class="" href="https://www.businessinsider.com/personal-finance/credit-score/credit-score-basics" data-analytics-product-module="body_link" rel="">excellent credit</a>, it could be a good choice for you. </p><p>Like Earnest's undergraduate and graduate new loans, its refinanced loans have a special perk: the ability to skip one payment every year. You can ask for your first skip once you've made at least six months of consecutive on-time, full principal and interest payments, as long as your loan is in good standing. However, interest will accrue during this time, and the lender will extend the final payoff date of your loan by the length of the skipped payment period. </p><p>One thing to watch out for is that this lender has higher maximum interest rates. While Earnest eagerly shares its minimum rates, the company doesn't disclose those on the maximum end anywhere. If you have a shakier credit history, you may end up paying more interest than you initially expected.</p><p><a target="_blank" href="https://www.businessinsider.com/personal-finance/student-loans/earnest-student-loans-review" data-analytics-product-module="body_link" rel=""><em>Earnest Student Loan Review</em></a></p> <aside class="quick-tip headline-regular ignore-typography"> <p>Learn more at <a target="_blank" rel="nofollow noopener" data-analytics-product-module="body_link" data-analytics-product-id="61d717827f19ae00138f2168" data-analytics-product-brand="Earnest" data-analytics-product-name="Earnest Student Loan Refinancing" href="https://secure.money.com/pr/y63fdeeba5b7">Earnest</a>.</p> </aside> <h3 id="best-for-no-fees" data-toc-id="bb627330-2edb-420e-b3f0-0994751dad56" data-toc-label="Best for No Fees" class="toc-anchor">Best for No Fees: <a target="_blank" rel="nofollow noopener" data-analytics-product-module="commerce_shortcode" data-analytics-product-id="62702fd7ae151a001a2ccd2e" data-analytics-product-brand="SoFi®" data-analytics-product-name="SoFi Student Loan Refinancing" href="https://secure.money.com/pr/j76398f6cc17">SoFi Student Loan Refinancing</a></h3><p>SoFi is an excellent option for refinancing student loans because this lender does not charge any <a target="_blank" href="https://www.businessinsider.com/personal-finance/personal-loans/what-is-an-origination-fee" data-analytics-product-module="body_link" rel="">origination fees</a>, late fees, or prepayment penalties. SoFi will let you check what rates they qualify for in as little as two minutes with a convenient online prequalification tool that won't hurt your credit score. </p><p>Borrowers should be aware that SoFi advertises low interest rates; however, these rates are only available to consumers with great credit who set up autopay and the SoFi Plus Discount. </p><p><a target="_blank" href="https://www.businessinsider.com/personal-finance/student-loans/sofi-student-loans-review" data-analytics-product-module="body_link" rel=""><em>SoFi Student Loan Review</em></a></p> <aside class="quick-tip headline-regular ignore-typography"> <p>Learn more at <a target="_blank" rel="nofollow noopener" data-analytics-product-module="body_link" data-analytics-product-id="62702fd7ae151a001a2ccd2e" data-analytics-product-brand="SoFi®" data-analytics-product-name="SoFi Student Loan Refinancing" href="https://secure.money.com/pr/j76398f6cc17">SoFi Student Loans</a>.</p> </aside> <h3 id="best-credit-union-option" data-toc-id="b0ad9e2b-b01e-41c9-8e2f-fcc33dfe115f" data-toc-label="Best Credit Union Option" class="toc-anchor">Best Credit Union Option: <a target="_blank" rel="nofollow noopener" data-analytics-product-module="commerce_shortcode" data-analytics-product-id="62703147f7985a001ab88ed5" data-analytics-product-brand="PenFed" data-analytics-product-name="PenFed Student Loan Refinancing" href="https://secure.money.com/pr/cc8109560919">PenFed Student Loan Refinancing</a></h3><p>PenFed offers the lowest maximum fixed refinance rates of any lender on our list. If you have poorer credit and are still able to qualify for a PenFed refinanced loan, you might get a better deal with it than elsewhere. </p><p>You need to be a member of the credit union to get your loan. If you've served in the military or work at qualifying associations or organizations, you'll qualify. If that doesn't apply, you can easily join by opening a savings account with a $5 minimum deposit.</p><p>PenFed doesn't offer variable-rate loans, which often start at lower rates than fixed-rate loans — although they can overtake fixed loan rates over time. If you want a variable loan, you won't be able to get one with PenFed.</p><p><a target="_blank" href="https://www.businessinsider.com/personal-finance/student-loans/penfed-student-loans-review" data-analytics-product-module="body_link" rel=""><em>PenFed Student Loan Review</em></a></p><h3 id="best-for-competitive-rates" data-toc-id="929ecc7d-1dae-49c4-99bc-dd3d601c5e7b" data-toc-label="Best for Competitive Rates" class="toc-anchor">Best for Competitive Rates: <a target="_blank" rel="nofollow noopener" data-analytics-product-module="commerce_shortcode" data-analytics-product-id="61d613782273480012b5a125" data-analytics-product-brand="Laurel Road" data-analytics-product-name="Laurel Road Student Loan Refinancing" href="https://secure.money.com/pr/z5534db55a56">Laurel Road Student Loan Refinancing</a></h3><p>Laurel Road offers some of the best fixed rates of all of our lenders, but keep in mind that only 11% of applicants who applied between July 2019 and June 2021 qualified for Laurel Road's top rate, according to the company's website. Don't bank on getting it unless you have excellent credit. </p><p>If you sign up for a <a target="_blank" href="https://www.businessinsider.com/personal-finance/banking/laurel-road-banking-review" data-analytics-product-module="body_link" rel="">Laurel Road checking account</a>, you'll receive an interest rate discount on your refinanced loan. You can redeem 2x cash back toward student loan payments with the <a target="_blank" href="https://www.businessinsider.com/personal-finance/credit-cards/laurel-road-student-loan-cashback-credit-card" data-analytics-product-module="body_link" rel="">Laurel Road Student Loan Cash Back credit card</a>.</p><p>Borrowers need to watch out for late fees with this lender. Laurel Road's late fee is $38 or 5% of your payment, whichever is less. If you fall behind on payments, the total cost of your loan will add up. </p><p><a target="_blank" href="https://www.businessinsider.com/personal-finance/student-loans/laurel-road-student-loans-review" data-analytics-product-module="body_link" rel=""><em>Laurel Road Student Loan Review</em></a></p><h3 id="best-for-comparing-multiple-lenders" data-toc-id="0aea40b4-e3e7-4a54-a744-098602a96b6e" data-toc-label="Best for Comparing Multiple Lenders" class="toc-anchor">Best for Comparing Multiple Lenders: <a target="_blank" rel="nofollow noopener" data-analytics-product-module="commerce_shortcode" data-analytics-product-id="6270328a5104a000197069e1" data-analytics-product-brand="Splash Financial" data-analytics-product-name="Splash Financial Student Loan Refinancing" href="https://secure.money.com/pr/a85888d86cc4">Splash Financial Student Loan Refinancing</a></h3><p>Splash Financial is a student loan marketplace, not a direct lender. A marketplace allows you to compare loan offers from multiple lenders at once. The marketplace allows you to check your rates with no impact on your credit score. </p><p>As a result, it's tricky to nail down the exact terms you'll receive with Splash Financial. For instance, some of the company's lending partners have no maximum amount you can refinance, while others have a cap. You may like Splash Financial if you want to compare a bunch of different companies all at once with one application.</p><p>You should also keep in mind that Splash Financial doesn't underwrite its own loans. As a result, you'll be dealing with whatever partner lender you choose and may have a different experience with them managing your loan than the one you expected.</p><p><a target="_blank" href="https://www.businessinsider.com/personal-finance/student-loans/splash-financial-student-loan-review" data-analytics-product-module="body_link" rel=""><em>Splash Financial Student Loan Review</em></a></p><h3 id="best-brick-and-mortar-option" data-toc-id="2a6f2176-7a35-4455-a0e8-f77219b0a228" data-toc-label="Best Brick-and-Mortar Option" class="toc-anchor">Best Brick-and-Mortar Option: <a target="_blank" rel="nofollow noopener" data-analytics-product-module="commerce_shortcode" data-analytics-product-id="627034115104a000197069f9" data-analytics-product-brand="Citizens" data-analytics-product-name="Citizens Bank Student Loan Refinancing" href="https://secure.money.com/pr/fcdb70e30f13">Citizens Bank Student Loan Refinancing</a></h3><p>Citizens Bank's top loan amount of $750,000 is the highest of any lender we compiled that discloses a maximum loan amount.</p><p>Citizens Bank is also the only brick-and-mortar bank we have listed, which may be a good option for those who are more comfortable with traditional banking. </p><p>Citizens Bank's minimum of $10,000 is also the highest of any lender on our list. So, if you have a small amount of debt, another lender is probably a better fit for you. </p><p><a target="_blank" href="https://www.businessinsider.com/personal-finance/student-loans/citizens-bank-student-loans-review" data-analytics-product-module="body_link" rel=""><em>Citizens Bank Student Loan Review</em></a></p><h3 id="best-for-personalized-service" data-toc-id="4fa39607-c3b6-42bf-add6-854429577683" data-toc-label="Best for Personalized Service" class="toc-anchor"><strong>Best for Personalized Service: <a target="_blank" rel="nofollow noopener" data-analytics-product-module="commerce_shortcode" data-analytics-product-id="625459c1ae151a001a2ca1a7" data-analytics-product-brand="LendKey" data-analytics-product-name="LendKey Student Loan Marketplace" href="https://secure.money.com/pr/j1e1ea4d9942">LendKey Student Loan Marketplace</a></strong></h3><p>LendKey is a marketplace, not a direct lender. A student loan marketplace allows you to compare loan offers from multiple lenders at once. The marketplace allows you to check your rates with no impact on your credit score. </p><p>LendKey partners with <a target="_blank" href="https://www.businessinsider.com/personal-finance/banking/best-credit-unions" data-analytics-product-module="body_link" rel="">credit unions</a> and community banks, so you may get a more personalized level of service than you would with a Splash Financial marketplace partner.</p><p>As a borrower, you should know that LendKey has the lowest maximum refinance amount of any of the best lenders on the list. This probably won't be an issue unless you have a significant amount of loan debt. </p><p><a target="_blank" href="https://www.businessinsider.com/personal-finance/student-loans/lendkey-student-loan-marketplace-review" data-analytics-product-module="body_link" rel=""><em>LendKey Student Loan Marketplace Review</em></a></p><h3 id="best-for-flexible-payment-terms" data-toc-id="64063504-52f2-43e8-82e0-adae9926c08d" data-toc-label="Best for Flexible Payment Terms" class="toc-anchor">Best for Flexible Payment Terms: <a target="_blank" rel="nofollow noopener" data-analytics-product-module="commerce_shortcode" data-analytics-product-id="62703b56ae151a001a2ccdce" data-analytics-product-brand="College Ave" data-analytics-product-name="College Ave Student Loan Refinancing" href="https://secure.money.com/pr/zf7172a02b45">College Ave Student Loan Refinancing</a></h3><p>College Ave offers 11 repayment term lengths, making it among the most flexible student loan lenders with regard to loan terms.  </p><p>You're able to take out a loan for five to 15 years with College Ave. Many other lenders limit your selection to four or five options — though some others do offer 20-year term lengths (which College Ave does not).</p><p>You should look out for College Ave's lower maximum refinancing amount. If you have a truly significant amount of debt (we're talking hundreds of thousands of dollars), you may not be able to refinance all your debt with College Ave. This won't be the case for the vast majority of borrowers, but it bears noting.</p><p><a target="_blank" href="https://www.businessinsider.com/personal-finance/student-loans/college-ave-student-loans-review" data-analytics-product-module="body_link" rel=""><em>College Ave Student Loan Review</em></a></p> <aside class="quick-tip headline-regular ignore-typography"> <p>Learn more at <a target="_blank" rel="nofollow noopener" data-analytics-product-module="body_link" data-analytics-product-id="62703b56ae151a001a2ccdce" data-analytics-product-brand="College Ave" data-analytics-product-name="College Ave Student Loan Refinancing" href="https://secure.money.com/pr/zf7172a02b45">College Ave Student Loan Refinancing</a>.</p> </aside> <h2 id="d5f4d74d-ba1b-4611-99b7-c8a27b686a28" data-toc-id="d5f4d74d-ba1b-4611-99b7-c8a27b686a28"><strong>What Does It Mean to Refinance Student Loans? </strong></h2><p>Student loan refinancing is when a private lender repays your existing student loans and then gives you a single new loan to replace them. Depending on your credit score and income, your new loan could come with a lower interest rate, saving you money over the life of the loan. You can also choose new repayment terms, usually within 5-20 years. </p><p>With student loan financing, a private lender always provides your new loan – whether the existing student loans are federal or private. This makes student loan refinancing different from <a target="_blank" href="https://www.businessinsider.com/personal-finance/student-loans/consolidate-student-loans" data-analytics-product-module="body_link" rel="">student loan consolidation</a>. For instance, with student loan consolidation, multiple federal student loans can be combined into a single federal student loan. </p><p>Before you consider refinancing a student loan, know that <a target="_blank" href="https://www.businessinsider.com/personal-finance/student-loans/best-private-student-loans" data-analytics-product-module="body_link" rel="">private student loans</a> — which all refinanced loans are — are not eligible for the same protections and benefits as federal student loans. These include opportunities for loan forgiveness and more flexibility with repayments.</p><h2 id="98bab34a-1081-4b83-b612-2ed0be302940" data-toc-id="98bab34a-1081-4b83-b612-2ed0be302940"><strong>Why Should You Refinance Student Loans?</strong></h2><p>Refinancing student loans can help you save money and simplify your finances. Your refinanced student loan could have a lower interest rate than your current loan — especially if you have good credit and a decent income. That means you'll pay less in interest as you repay the loan.</p><p>A refinanced student loan also allows you to replace multiple student loans with a single loan. That means you'll be responsible for making just one monthly payment, which could relieve financial stress and help you avoid missing payments.</p><h2 id="207811b4-05f5-4d57-af9f-c724c68d8ff0" data-toc-id="207811b4-05f5-4d57-af9f-c724c68d8ff0"><strong>Student Loan Refinancing vs. Consolidation</strong></h2><p>The difference between <a target="_blank" href="https://www.businessinsider.com/personal-finance/student-loans/what-is-student-loan-refinancing" data-analytics-product-module="body_link" rel="">student loan refinancing and consolidation</a> can be confusing, especially because people sometimes use the terms interchangeably. However, these are two different processes, and depending on your financial goals, one may be better for you than the other. </p><p><a target="_blank" href="https://www.businessinsider.com/personal-finance/student-loans/what-is-student-loan-refinancing" data-analytics-product-module="body_link" rel="">Student loan refinancing</a> involves restructuring your current loan or loans and getting a new one with updated terms. You'll make a single monthly payment. You can refinance private and federal loans into one combined loan. When you refinance federal loans with a private lender, you'll lose some key borrower protections. </p><p>Consolidation is the process of combining multiple loans into one. You'll make a single monthly payment after consolidation. When you consolidate loans, your new loan consolidation rate is the weighted average of your old loans' rates, rounded up to the nearest eighth of a percent.</p><h2 id="c54ca1c2-8051-4eec-a7b7-b314ebd98a82" data-toc-id="c54ca1c2-8051-4eec-a7b7-b314ebd98a82">When to Refinance Student Loans</h2><p>If you can get a lower interest rate on your loan, it might pay off to refinance. It could also be worth refinancing your student loan if you have a variable interest rate that's gone up significantly and you want a fixed interest rate so you have predictable payments.</p><p>However, federal loans have some unique benefits, so only refinance after assessing all of your options.</p><p>You don't have anything to lose by refinancing a private loan if you can get a better rate and save money. You won't forgo any federal protections such as income-driven repayment plans,  deferment, or forbearance.</p><p>If you're unsure if refinancing makes sense for you, it's worth using a student loan refinance calculator to see how much you could save. You'll input your current loan terms, along with the terms of the loan you're considering refinancing into, and the calculator will show you both your monthly savings and your potential savings over the lifetime of the new loan.</p><h2 id="a2824500-eea8-4a12-9e32-bf122f47e120" data-toc-id="a2824500-eea8-4a12-9e32-bf122f47e120"><strong>How to Qualify for Student Loan Refinancing</strong></h2><p>Lenders consider several factors when deciding whether you qualify for student loan refinancing. Your credit score significantly impacts your eligibility to refinance a student loan. You can <a target="_blank" href="https://www.businessinsider.com/personal-finance/credit-score/how-to-improve-credit-score" data-analytics-product-module="body_link" rel="">raise your credit score</a> by paying your bills on time, paying off existing debt, and requesting higher credit limits from your credit card company.</p><p>Income and your <a target="_blank" href="https://www.businessinsider.com/personal-finance/credit-score/what-is-debt-to-income-ratio" data-analytics-product-module="body_link" rel="">debt-to-income (DTI) ratio</a> are also important factors. That means earning a raise, getting a higher-paying job, and paying off debts could help you qualify. The lower your debt-to-income ratio, the better. </p><p>If you still don't qualify, you can consider applying with a <a target="_blank" href="https://www.businessinsider.com/personal-finance/personal-loans/cosigner-vs-coborrower-difference" data-analytics-product-module="body_link" rel="">cosigner</a>.</p><h2 id="c78480eb-3576-4d49-a809-bcf6a8922cb5" data-toc-id="c78480eb-3576-4d49-a809-bcf6a8922cb5"><strong>How to Refinance Your Student Loans</strong></h2><p>Here are the steps to refinance student loans:</p><ul><li><strong>Check your credit score.</strong> A score in the upper 600s or higher is usually necessary to qualify for student loan refinancing. The higher your score, the lower the interest rates you can hope to receive.</li><li><strong>Review your current loan agreements.</strong> You need to determine your existing loan balance. This is the amount you owe across your current loans and the amount you'll have to borrow through the new loan. Double-check the interest rates to search for refinancing options that provide a lower rate.</li><li><strong>Compare loan refinancing providers. </strong>Most lenders will let you get pre-approved online — which lets you see your interest rate without affecting your credit score. You should apply for these pre-approvals to compare rates and choose a lender. </li><li><strong>Gather your documents.</strong> To apply for a refinanced student loan, you'll likely need proof of identification, proof of income, and documentation of your current loan agreement. </li><li><strong>Apply for refinancing.</strong> As part of the official application process, the lender will conduct a hard credit check, which can cause a brief dip in your credit score. Once the loan has been approved, it can take a few weeks for the new lender to repay your existing loans. Don't forget to continue making your old loan payments until the refinancing process has been finalized. </li></ul><h2 id="86500db1-8dc2-44ef-bcb2-724d6998ec72" data-toc-id="86500db1-8dc2-44ef-bcb2-724d6998ec72"><strong>Student Loan Refinance Pros and Cons</strong></h2><h3 id="72ba9b64-60bc-4bb0-8e86-c30e2254644a" data-toc-id="72ba9b64-60bc-4bb0-8e86-c30e2254644a"><strong>Advantages </strong></h3><ul><li><strong>Lower interest rates.</strong> If you've improved your credit or increased your income since you first took out student loans, refinancing could bring lower rates.</li><li><strong>Flexible repayment terms. </strong>A refinanced student could have a shorter term, saving you interest money. It could also have a longer term, lowering your monthly payments.</li><li><strong>Simplified loan repayments.</strong> You'll only have to make one monthly payment after replacing multiple student loans with a single private loan.</li></ul><h3 id="a88d0275-2e63-4219-bd3f-42af57af68bf" data-toc-id="a88d0275-2e63-4219-bd3f-42af57af68bf"><strong>Drawbacks</strong></h3><ul><li><strong>Loss of federal loan benefits. </strong>When you replace federal student loans with a private student loan through refinancing, you lose the benefits of having a federal student loan — including eligibility for student loan forgiveness programs. </li><li><strong>Difficulty of qualifying for a lower rate. </strong>There's no guarantee that refinancing will bring a lower interest rate. Your eligibility for a rate decrease depends largely on your credit score, income, and debit-to-income ratio. </li><li><strong>Possible fees or penalties.</strong> Most lenders don't charge an origination fee for student loan refinancing. Still, you could face late fees or penalties if you miss a payment on your existing loans during refinancing.</li></ul><h2 id="choosing-the-right-student-loan-refinance-lender" data-toc-id="8f145d04-77c9-4a00-8547-c6dcf937c457" data-toc-label="Choosing the Right Student Loan Refinance Lender" class="toc-anchor">Choosing the Right Student Loan Refinance Lender</h2><p id="8f145d04-77c9-4a00-8547-c6dcf937c457" data-toc-label="Choosing the Right Student Loan Refinance Lender">Don't just go with the first refinance option you come across; the best student loan refinance company for you will depend on what you're looking for and details like your credit score and existing loan terms.</p><p id="8f145d04-77c9-4a00-8547-c6dcf937c457" data-toc-label="Choosing the Right Student Loan Refinance Lender">If your main goal in refinancing your student loan is lowering your interest rate, compare the rates you qualify for with several lenders to find the lowest option. Note that the higher your credit score, the better the rates you'll generally be offered.</p><p id="8f145d04-77c9-4a00-8547-c6dcf937c457" data-toc-label="Choosing the Right Student Loan Refinance Lender">In this guide, we highlight the standout features of our top refinance picks. This can be a good starting place to evaluate what matters most to you. Beyond finding the lowest interest rate, you might look for refinance lenders without fees, lenders with the widest variety of repayment terms, or companies with brick-and-mortar locations so you can visit and discuss your options in person.</p><h2 id="student-loan-refinance-lender-trustworthiness" data-toc-id="69723629-3f2a-4364-8e78-5876c68d120c" data-toc-label="Student Loan Refinance Lender Trustworthiness" class="toc-anchor"><strong>Student Loan Refinance Lender Trustworthiness</strong></h2><p>The Better Business Bureau, a non-profit organization focused on consumer protection and trust, measures businesses using information like their responsiveness to consumer complaints, truthfulness in advertising, and transparency about business practices. Here is each company's score:</p><div class="horizontal-scroll"><table style="min-width: 50px" class="table-content"><colgroup><col style="min-width: 25px"><col style="min-width: 25px"></colgroup><tbody class="table-content-body"><tr><td class="headline-regular headline-semibold"><strong class="headline-regular headline-semibold">Lender</strong></td><td class="headline-regular headline-semibold"><strong class="headline-regular headline-semibold">BBB grade</strong></td></tr><tr><td colspan="1" rowspan="1" class="headline-regular headline-semibold"><a target="_blank" rel="nofollow noopener" data-analytics-product-module="tables" data-analytics-product-id="61d717827f19ae00138f2168" data-analytics-product-brand="Earnest" data-analytics-product-name="Earnest Student Loan Refinancing" href="https://secure.money.com/pr/y63fdeeba5b7">Earnest Student Loan Refinancing</a></td><td colspan="1" rowspan="1" class="headline-regular">A+</td></tr><tr><td colspan="1" rowspan="1" class="headline-regular headline-semibold"><a target="_blank" rel="nofollow noopener" data-analytics-product-module="tables" data-analytics-product-id="62702fd7ae151a001a2ccd2e" data-analytics-product-brand="SoFi®" data-analytics-product-name="SoFi Student Loan Refinancing" href="https://secure.money.com/pr/j76398f6cc17">SoFi Student Loan Refinancing</a></td><td colspan="1" rowspan="1" class="headline-regular">A+</td></tr><tr><td colspan="1" rowspan="1" class="headline-regular headline-semibold"><a target="_blank" rel="nofollow noopener" data-analytics-product-module="tables" data-analytics-product-id="62703147f7985a001ab88ed5" data-analytics-product-brand="PenFed" data-analytics-product-name="PenFed Student Loan Refinancing" href="https://secure.money.com/pr/cc8109560919">PenFed Student Loan Refinancing</a></td><td colspan="1" rowspan="1" class="headline-regular">A+</td></tr><tr><td colspan="1" rowspan="1" class="headline-regular headline-semibold"><a target="_blank" rel="nofollow noopener" data-analytics-product-module="tables" data-analytics-product-id="61d613782273480012b5a125" data-analytics-product-brand="Laurel Road" data-analytics-product-name="Laurel Road Student Loan Refinancing" href="https://secure.money.com/pr/z5534db55a56">Laurel Road Student Loan Refinancing</a></td><td colspan="1" rowspan="1" class="headline-regular">N/A</td></tr><tr><td colspan="1" rowspan="1" class="headline-regular headline-semibold"><a target="_blank" rel="nofollow noopener" data-analytics-product-module="tables" data-analytics-product-id="6270328a5104a000197069e1" data-analytics-product-brand="Splash Financial" data-analytics-product-name="Splash Financial Student Loan Refinancing" href="https://secure.money.com/pr/a85888d86cc4">Splash Financial Student Loan Refinancing</a></td><td colspan="1" rowspan="1" class="headline-regular">A+</td></tr><tr><td colspan="1" rowspan="1" class="headline-regular headline-semibold"><a target="_blank" rel="nofollow noopener" data-analytics-product-module="tables" data-analytics-product-id="627034115104a000197069f9" data-analytics-product-brand="Citizens" data-analytics-product-name="Citizens Bank Student Loan Refinancing" href="https://secure.money.com/pr/fcdb70e30f13">Citizens Bank Student Loan Refinancing</a></td><td colspan="1" rowspan="1" class="headline-regular">A</td></tr><tr><td colspan="1" rowspan="1" class="headline-regular headline-semibold"><a target="_blank" rel="nofollow noopener" data-analytics-product-module="tables" data-analytics-product-id="625459c1ae151a001a2ca1a7" data-analytics-product-brand="LendKey" data-analytics-product-name="LendKey Student Loan Marketplace" href="https://secure.money.com/pr/j1e1ea4d9942">LendKey Student Loan Marketplace</a></td><td colspan="1" rowspan="1" class="headline-regular">A+</td></tr><tr><td colspan="1" rowspan="1" class="headline-regular headline-semibold"><a target="_blank" rel="nofollow noopener" data-analytics-product-module="tables" data-analytics-product-id="62703b56ae151a001a2ccdce" data-analytics-product-brand="College Ave" data-analytics-product-name="College Ave Student Loan Refinancing" href="https://secure.money.com/pr/zf7172a02b45">College Ave Student Loan Refinancing</a></td><td colspan="1" rowspan="1" class="headline-regular">A+</td></tr></tbody></table></div><p>All of our picks are rated A or higher by the BBB, with the exception of Laurel Road, but its parent company, KeyBank, has an A+ rating.</p><p>It's important to note that a good BBB grade doesn't guarantee you'll have a good relationship with your lender, nor does a bad BBB grade mean you'll have a bad experience. Read online customer reviews or ask family and friends about their firsthand experience with the company before signing on the dotted line. </p><h2 id="faqs" data-toc-id="e39819a4-2875-406f-9504-4284c80c7019" data-toc-label="FAQs" class="toc-anchor">FAQs About Student Loan Refinancing</h2> <div class="collapsable-faq collapsable-faq-dropdown" data-parent-index="" data-component-type="collapsable-faq" data-root-margin="0px 0px 100% 0px"> <div class="collapsable-faq-dropdown_header"> <span class="collapsable-faq-dropdown_text headline-semibold faq-question"> When is the best time to refinance student loans? </span> <span class="collapsable-faq-dropdown_chevron"> <svg class="svg-icon chevron-icon " data-chevron-icon="" role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon"> <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"></path> </svg> </span> </div> <div class="collapsable-faq-dropdown_wrap"> <div class="collapsable-faq-dropdown_content"> <p class="faq-answer">The best time to refinance student loans may be after you've recently improved your credit score. That way, you'll be more likely to qualify for a lower rate and save on the overall cost of your loan.</p> </div> </div> </div> <div class="collapsable-faq collapsable-faq-dropdown" data-parent-index="" data-component-type="collapsable-faq" data-root-margin="0px 0px 100% 0px"> <div class="collapsable-faq-dropdown_header"> <span class="collapsable-faq-dropdown_text headline-semibold faq-question"> What credit score do you need to refinance your student loans? </span> <span class="collapsable-faq-dropdown_chevron"> <svg class="svg-icon chevron-icon " data-chevron-icon="" role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon"> <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"></path> </svg> </span> </div> <div class="collapsable-faq-dropdown_wrap"> <div class="collapsable-faq-dropdown_content"> <p class="faq-answer">There is no minimum credit score you need to refinance your student loans. However, you'll likely get a better rate with a higher credit score.</p> </div> </div> </div> <div class="collapsable-faq collapsable-faq-dropdown" data-parent-index="" data-component-type="collapsable-faq" data-root-margin="0px 0px 100% 0px"> <div class="collapsable-faq-dropdown_header"> <span class="collapsable-faq-dropdown_text headline-semibold faq-question"> What are the risks of student loan refinancing? </span> <span class="collapsable-faq-dropdown_chevron"> <svg class="svg-icon chevron-icon " data-chevron-icon="" role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon"> <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"></path> </svg> </span> </div> <div class="collapsable-faq-dropdown_wrap"> <div class="collapsable-faq-dropdown_content"> <p class="faq-answer">The risks of student loan refinancing include losing key protections such as federal loan relief programs like Public Service Loan Forgiveness. You also won't be eligible for specific repayment options like <a target="_blank" href="https://www.businessinsider.com/personal-finance/student-loans/how-to-apply-for-income-driven-repayment-student-loans" data-analytics-product-module="body_link" rel="">income-driven repayment plans</a>, which take your specific income and family size into account when determining monthly payments.</p> </div> </div> </div> <div class="collapsable-faq collapsable-faq-dropdown" data-parent-index="" data-component-type="collapsable-faq" data-root-margin="0px 0px 100% 0px"> <div class="collapsable-faq-dropdown_header"> <span class="collapsable-faq-dropdown_text headline-semibold faq-question"> Can I refinance both federal and private student loans? </span> <span class="collapsable-faq-dropdown_chevron"> <svg class="svg-icon chevron-icon " data-chevron-icon="" role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon"> <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"></path> </svg> </span> </div> <div class="collapsable-faq-dropdown_wrap"> <div class="collapsable-faq-dropdown_content"> <p class="faq-answer">Yes, you can refinance both federal and private student loans. You can also refinance a mix of federal and private student loans into a single private loan. However, be aware that you'll lose the benefits of having a federal student loan, including eligibility for student loan forgiveness. </p> </div> </div> </div> <div class="collapsable-faq collapsable-faq-dropdown" data-parent-index="" data-component-type="collapsable-faq" data-root-margin="0px 0px 100% 0px"> <div class="collapsable-faq-dropdown_header"> <span class="collapsable-faq-dropdown_text headline-semibold faq-question"> How much can I save by refinancing my student loans? </span> <span class="collapsable-faq-dropdown_chevron"> <svg class="svg-icon chevron-icon " data-chevron-icon="" role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon"> <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"></path> </svg> </span> </div> <div class="collapsable-faq-dropdown_wrap"> <div class="collapsable-faq-dropdown_content"> <p class="faq-answer">The amount you save when refinancing student loans depends on multiple factors, including your credit score and income. If you qualify for a refinanced student loan with a significantly lower interest rate, you could end up saving thousands of dollars. </p> </div> </div> </div> <div class="collapsable-faq collapsable-faq-dropdown collapsable-faq-dropdown-last" data-parent-index="" data-component-type="collapsable-faq" data-root-margin="0px 0px 100% 0px"> <div class="collapsable-faq-dropdown_header"> <span class="collapsable-faq-dropdown_text headline-semibold faq-question"> Does refinancing student loans hurt my credit? </span> <span class="collapsable-faq-dropdown_chevron"> <svg class="svg-icon chevron-icon " data-chevron-icon="" role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon"> <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"></path> </svg> </span> </div> <div class="collapsable-faq-dropdown_wrap"> <div class="collapsable-faq-dropdown_content"> <p class="faq-answer">No, refinancing student loans doesn't hurt your credit in the long term if you stay on top of payments. When you apply for student loan refinancing, the lender will conduct a hard credit check. This can cause a temporary decrease in your credit score. However, if you consistently make on-time loan payments, the refinancing should ultimately positively affect your credit.</p> </div> </div> </div><h2 id="why-you-should-trust-us" data-toc-id="af5ad704-a45e-4476-840f-caaed808fc06" data-toc-label="Why You Should Trust Us" class="toc-anchor"><strong>Why You Should Trust Us: How We Chose the Best Student Loan Refinancing Companies</strong></h2><p>Business Insider's personal finance experts aim to help you make the best, most informed decisions with your money. In picking the best student loan refinancing companies, we combed through lenders and compared interest rates, terms, and all the fine print. Our coverage of student loan lenders includes student loan refinance reviews, and these reviews inform our top picks in this student loan refinancing guide.</p><p>We looked for seven factors in determining the best student loan refinance companies, including: </p><ul><li>Interest rate (20% of rating)</li><li>Fees (20% of rating)</li><li>Term lengths (15% of rating)</li><li>Repayment options while in school (15% of rating)</li><li>Borrower accessibility (15% of rating)</li><li>Customer support (7.5% of rating)</li><li>Ethics (7.5% of rating)</li></ul><p>The overall rating is a weighted average of these categories. Each category is assigned a weighting based on its impact on your borrowing experience. </p><p><em>Read more about </em><a target="_blank" href="https://www.businessinsider.com/personal-finance/student-loans/how-we-rate-student-loans" data-analytics-product-module="body_link" rel=""><em>how we rate student loans</em></a><em> »</em></p><div class="ca-widget" data-token="n01d8c3edd33" data-s1="AMCID"></div> <div class="script" data-lazy-load="script" data-load-strategy="lazy" data-src="https://secure.money.com/embeds/embedder.js?v=1" data-async="true" data-defer="true"></div> <section class="post-authors" data-component-type="post-author"> <div class="post-author"> <a id="post-author_profile-link" href="https://www.businessinsider.com/author/maddy-scheckel" target="_blank" data-analytics-product-module="author-bio" rel=""> <div class="author-profile-image-wrapper" data-slug="maddy-scheckel"> <div class="lazy-holder author-profile-image"> <img class="lazy-image author-profile-image" src="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1 1'%3E%3C/svg%3E" data-src="https://i.insider.com/6650b098239fda2da6cb6f3c?crop=1:1&width=256&format=jpeg&auto=webp" alt="Headshot of writer Maddy Scheckel"> <noscript> <img class="no-script" src="https://i.insider.com/6650b098239fda2da6cb6f3c?crop=1:1&width=256&format=jpeg&auto=webp" /> </noscript> </div> </div> </a> <div class="post-author_info"> <div class="post-author_top"> <a id="post-author_name-link" class="post-author_link not-content-link" href="https://www.businessinsider.com/author/maddy-scheckel" target="_blank" data-analytics-product-module="author-bio" rel=""> <div class="post-author_name headline-semibold">Maddy Scheckel</div> </a> </div> <div class="post-author_bio headline-regular"> <input type="checkbox" id="expanded0"> <div class="post-author_bio_content"> <span>Maddy Scheckel is a registered nurse turned freelance writer specializing in personal finance and business topics.</span><span>Maddy enjoys traveling the world using credit card reward points to fly in Business Class and stay in luxury hotels. Her favorite international experiences so far have been the beauty of La Fortuna in Costa Rica, the magic of Paris, the breathtaking views of Cinque Terre in Italy, and the delightful Christmas markets of France and Germany.</span><span>Maddy has made the journey from being in debt to now having excellent credit, along with money invested for retirement. She has expertise in a variety of personal finance topics including credit building, personal and student loans, insurance, investment products.</span><span>In her spare time, Maddy enjoys going to country music concerts, watching Grey's Anatomy, and savoring churros dipped in warm Nutella.</span><span>You can reach her at <a href="mailto:contentbymaddy@gmail.com" rel=" nofollow">contentbymaddy@gmail.com</a>. </span> </div> <label for="expanded0" role="button" class="post-author_bio_more">Read more</label> <label for="expanded0" role="button" class="post-author_bio_less">Read less</label> </div> </div> </div> <div class="post-author"> <a id="post-author_profile-link" href="https://www.businessinsider.com/author/elias-shaya" target="_blank" data-analytics-product-module="author-bio" rel=""> <div class="author-profile-image-wrapper" data-slug="elias-shaya"> <div class="lazy-holder author-profile-image"> <img class="lazy-image author-profile-image" src="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1 1'%3E%3C/svg%3E" data-src="https://i.insider.com/63f938c4ae0bf0001824b2c1?crop=1:1&width=256&format=jpeg&auto=webp" alt="Elias Shaya looks at the camera. He stands outdoors, wearing a black jacket, with a city in the distant background."> <noscript> <img class="no-script" src="https://i.insider.com/63f938c4ae0bf0001824b2c1?crop=1:1&width=256&format=jpeg&auto=webp" /> </noscript> </div> </div> </a> <div class="post-author_info"> <div class="post-author_top"> <a id="post-author_name-link" class="post-author_link not-content-link" href="https://www.businessinsider.com/author/elias-shaya" target="_blank" data-analytics-product-module="author-bio" rel=""> <div class="post-author_name headline-semibold">Elias Shaya</div> </a> <div class="post-author_title headline-regular">Compliance and Operations Associate</div> </div> <div class="post-author_bio headline-regular"> <input type="checkbox" id="expanded1"> <div class="post-author_bio_content"> <span>Elias Shaya is a Compliance and Operations Associate on Business Insider's personal finance team in New York. He collaborates with the editorial team to provide timely, accurate, and impartial financial advice to readers </span><span class="headline-semibold">Experience</span><span>Elias is a point person on multiple personal finance topics, from credit cards to investment products. He ensures editorial content is transparent and accessible through clear and precise language while also complying with regulatory and partner marketing guidelines. </span><span>Since joining as a compliance fellow in 2022, Elias has played a crucial role in the team’s compliance efforts, ensuring no stone is left unturned. His close attention to detail and broad knowledge of various complex financial subjects help minimize risk for partners while protecting editorial independence so readers get the best possible advice. </span><span><span class="headline-semibold">Expertise: </span></span><span>Elias’ expertise includes:</span><ul><li><span>Credit cards</span></li><li><span>Investing</span></li><li><span>Loans</span></li><li><span>Mortgages</span></li></ul><span class="headline-semibold">Education: </span><span>Elias graduated from the College of Staten Island with a degree in International Business.</span><span>When he’s not reviewing or updating personal finance topics, Elias enjoys traveling, comedy shows, and binge-worthy TV shows.</span> </div> <label for="expanded1" role="button" class="post-author_bio_more">Read more</label> <label for="expanded1" role="button" class="post-author_bio_less">Read less</label> </div> </div> </div> </section> <div class="featured-products sticky-featured-product"> <span class="headline-semibold featured-products-heading">Top Offers From Our Partners</span> <div class="featured-product"> <a href="https://secure.money.com/pr/u8327de6ed05" target="_blank" data-analytics-product-area="image" data-analytics-product-module="featured_product" data-analytics-product-index="1" data-analytics-product-brand="Right Rail - Do Not Use in Content" data-analytics-product-name="SoFi® Checking and Savings (Member FDIC)" data-analytics-product-id="63cff3349bca6000112c3c92" class="featured-product-image not-content-link" rel="nofollow noindex"> <div class="lazy-holder lazy-holder " style="padding-top: calc(100% * 95 / 149)"> <img class="lazy-image " src="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1 1'%3E%3C/svg%3E" data-content-type="image/png" data-srcs="{"https://i.insider.com/654be4c936d588dc55cd46e3":{"contentType":"image/png","aspectRatioW":1150,"aspectRatioH":304}}" alt="Sofi logo"> <noscript> <img class="no-script" src="https://i.insider.com/654be4c936d588dc55cd46e3?width=600&format=jpeg&auto=webp" /> </noscript> </div> </a> <div class="featured-product-hgroup"> <a href="https://secure.money.com/pr/u8327de6ed05" target="_blank" class="featured-product-heading not-content-link" data-analytics-product-area="title" data-analytics-product-module="featured_product" data-analytics-product-index="1" data-analytics-product-brand="Right Rail - Do Not Use in Content" data-analytics-product-name="SoFi® Checking and Savings (Member FDIC)" data-analytics-product-id="63cff3349bca6000112c3c92" rel="nofollow noindex"> SoFi® Checking and Savings (Member FDIC) </a> <span class="headline-semibold featured-product-sub-heading"> Earn up to a $300 bonus with qualifying direct deposits for eligible customers through 1/31/2026. Earn up to 3.80% APY on savings balances (including Vaults) with direct deposit or qualifying deposit. <div class="component rich-tooltip featured-product-rich-tooltip" role="tooltip" data-tooltip-position="right"> <svg class="svg-icon tooltip-icon " role="img" xmlns="http://www.w3.org/2000/svg" viewBox="0 0 60 60"> <title></title> <desc>A tooltip</desc> <path d="M30.6 36.6l.1-1.2c.2-2.3 1.3-3.3 3.4-5.2 2.5-2.3 5.7-4.5 5.7-8.6 0-5-4.3-7.7-9.2-7.7-3.8 0-6.8 1.5-10 4.4l2.2 2.5c3.1-2.5 5-3.5 7.7-3.5 3.2 0 5.4 1.7 5.4 4.4s-2.2 4.2-4.4 6.1c-3.4 2.9-4 4.1-4 7.3v1.5h3.1zm.7 8.4v-4.6h-4.4V45h4.4z"></path> <path d="M30 0c16.6 0 30 13.4 30 30S46.6 60 30 60 0 46.6 0 30 13.4 0 30 0zm0 3C15.1 3 3 15.1 3 30s12.1 27 27 27 27-12.1 27-27S44.9 3 30 3z"></path> </svg> <div class="rich-tooltip-wrapper headline-regular"> <div class="rich-tooltip-message headline-regular">SoFi members who enroll in SoFi Plus with Direct Deposit or by paying the SoFi Plus Subscription Fee every 30 days or with $5,000 or more in Qualifying Deposits during the 30-Day Evaluation Period can earn 3.80% annual percentage yield (APY) on savings balances (including Vaults) and 0.50% APY on checking balances. There is no minimum Direct Deposit amount required to qualify for the stated interest rate. Members without either SoFi Plus or Qualifying Deposits, during the 30-Day Evaluation Period will earn 1.00% APY on savings balances (including Vaults) and 0.50% APY on checking balances. Only SoFi Plus members are eligible for other SoFi Plus benefits. Interest rates are variable and subject to change at any time. These rates are current as of 1/24/25. There is no minimum balance requirement. Additional information can be found at http://www.sofi.com/legal/banking-rate-sheet. See the SoFi Plus Terms and Conditions at https://www.sofi.com/terms-of-use/#plus.</div> </div> </div> <style>.rich-tooltip-wrapper { display: none; }</style> </span> </div> <div class="featured-product-cta"> <a href="https://secure.money.com/pr/u8327de6ed05" target="_blank" class="featured-product-link not-content-link" data-analytics-product-area="button" data-analytics-product-module="featured_product" data-analytics-product-index="1" data-analytics-product-brand="Right Rail - Do Not Use in Content" data-analytics-product-name="SoFi® Checking and Savings (Member FDIC)" data-analytics-product-id="63cff3349bca6000112c3c92" rel="nofollow noindex"> Start Saving </a> </div> </div> </div> </div> </div> </div> </section> <section class="category-tagline body-italic"> <div> <p class="body-italic"><p style="font-size:14px;"><em>Editorial Note: Any opinions, analyses, reviews, or recommendations expressed in this article are the author’s alone, and have not been reviewed, approved, or otherwise endorsed by any card issuer. <a href="https://www.businessinsider.com/personal-finance/personal-finance-editorial-standards">Read our editorial standards</a>.</em></p><p style="font-size:14px;"><em>Please note: While the offers mentioned above are accurate at the time of publication, they're subject to change at any time and may have changed, or may no longer be available.</em></p><p style="font-size:14px;"><em>**Enrollment required.</em></p></p> <p class="body-italic"><p style="font-size:10px;"><em>SoFi Student Loan Refinance Pricing Disclosure: Fixed rates range from 4.49% APR to 9.99% APR with 0.25% autopay discount and 0.125% SoFi Plus discount. Variable rates range from 5.99% APR to 9.99% APR with 0.25% autopay discount and 0.125% SoFi Plus discount. Unless required to be lower to comply with applicable law, Variable Interest rates will never exceed 13.95% (the maximum rate for these loans). SoFi rate ranges are current as of 11/30/24 and are subject to change at any time. Your actual rate will be within the range of rates listed above and will depend on the term you select, evaluation of your creditworthiness, income, presence of a co-signer and a variety of other factors. Lowest rates reserved for the most creditworthy borrowers. For the SoFi variable-rate product, the variable interest rate for a given month is derived by adding a margin to the 30-day average SOFR index, published two business days preceding such calendar month, rounded up to the nearest one hundredth of one percent (0.01% or 0.0001). APRs for variable-rate loans may increase after origination if the SOFR index increases. You may pay more interest over the life of the loan if you refinance with an extended term.</em></p> <p style="font-size:10px;"><em>Autopay Discount: The SoFi 0.25% autopay interest rate reduction requires you to agree to make monthly principal and interest payments by an automatic monthly deduction from a savings or checking account. This benefit will be removed during periods in which you do not pay by automatic deduction from a savings or checking account. The benefit lowers your interest rate but does not change the amount of your monthly payment. This benefit is suspended during periods of deferment and forbearance. Autopay is not required to receive a loan from SoFi.</em></p> <p style="font-size:10px;"><em>SoFi Plus Discount: To be eligible to receive an additional (0.125%) interest rate reduction on your Student Loan Refinancing (your "Loan") for enrolling in SoFi Plus, you must enroll in SoFi Plus within 30 days of Loan funding, either by receiving a Direct Deposit to your SoFi Checking and Savings account, or by paying the SoFi Plus Subscription Fee. Once eligible, you will receive this discount during periods in which you have received Direct Deposit to your SoFi Checking and Savings Account, or during periods in which SoFi successfully receives payment of the SoFi Plus Subscription Fee. This discount lowers your interest rate but does not change the amount of your regular monthly payment. This discount will be removed during periods in which SoFi determines you have turned off Direct Deposit to your Checking and Savings account or in which you have not paid the SoFi Plus Subscription Fee. SoFi reserves the right to change or terminate this interest rate reduction offer for unenrolled participants at any time without notice. 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