Refinance Student Loans

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Freedom from student loan debt is possible!

We're here to help. And for a limited time you'll get $300 cash back1 when you refinance with us.

Save thousands and pay off your student loans faster.

Refinancing lets you trade in your high-rate student debt for one low-rate loan with a single monthly payment to save money every month and simplify your finances.

  • Refinance federal loans, parent PLUS loans, private student loans, and more. Keep in mind federal loan benefits may change by refinancing.
  • Minimum amount to refinance is $5,000. Refinance one loan or multiple loans.
  • Choose a fixed or variable rate and a term of 5, 7, 10 or 15 years. 
  • Take an additional 0.25% off your rate with automatic payments.2
  • Option to request interest-only payments for up to 6 months.3
  • No hidden fees, no annual fees, no prepayment penalties.
  • Easy refinance process - see what to expect.

Reasons to refinance may include:

  • You want a lower interest rate.
  • You want to lower your monthly payment with a longer term.
  • You want to pay off your loans sooner with a shorter term.
  • You want to consolidate multiple loans into one payment.

Loan features to consider:

  • A fixed rate ensures your rate stays the same and you have steady payments.
  • A variable (or adjustable) rate offers a lower initial rate that may go up or down in the future.
  • Loan payments cannot be deferred if you return to school. 

Learn more about student loans and refinancing in our FAQs. And, review the student loan refinance process and timing.

Apply Now

Have Questions or Need Help? 

Ask an Expert  Schedule an Appointment

Young man sits at a desktop computer while researching student loan refinancing

Refinance - Variable Rate

Rates as Low as
APR * 5-Year

Refinance - Fixed Rate

Rates as Low as
APR * 5-Year

Take an additional 0.25% off your rate with automatic payments!1

Easy Refinance Process

Our online application process is simple. See how it works and what to expect when you refinance your student loans. 

Loan process and timing >


Finance Your Education

Planning for a degree? Explore our private student loan options to help finance your studies and reach your goals.

Student loan options >

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