Refinance Student Loans

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Save money every month and pay off your student loans faster.

Refinance your high-rate student loans into one low-rate loan with a single monthly payment.

  • You can refinance federal loans and/or private student loans.
  • Refinance from $5,000 to $150,000 in student loans.
  • Choose a fixed or variable rate and a term of 5, 10 or 15 years.
  • Option to make interest-only payments for the first 2 years.
  • Get a 0.25% rate reduction when you sign up for automatic payments.1
  • No hidden fees, no annual fees and no prepayment penalties.

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 your 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.

Learn more about student loans and refinancing in our FAQs.

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Refinance - Variable Rate

Rates as Low as
APR * 5-Year

Refinance - Fixed Rate

Rates as Low as
APR * 5-Year

Understand the Process

Our online application process is straightforward. Find out what information is needed to complete the loan process and timing.

Loan process and timing >

View Eligible Schools

Attend any 4-year public or private non-profit college in the U.S., including UW System schools and Madison College. Search and browse our list of eligible schools.

Eligible schools >