A Sneak Peek
|5-20 years||Starting at 1.98%|
APRs include Auto Pay rate reduction where applicable3
We’ll give you back a little extra for joining through us depending on your refinance option.
Medical refinance loan
Our partner offers rates that are .25% lower (ex. 3.5% becomes 3.25%).
Non-medical refinance loan
You’ll receive up to $1,000 total (from both us and our partners) for refinancing through us.
Why should I refinance my student loans?
Reason one: Lower your interest rate
Reason two: Consolidate your loans
Reason three: Lower your monthly payment
For example, you might have set things up so that you pay your loan back in 10 years. Let’s say after 6 years you’d be paying a lower monthly payment. You could decide to replace that loan with a new loan that you pay back over a new 15 year term. This plan would reduce your minimum payment, though it would also increase the total cost of the loan because there is more time for interest to rack up.
Am I a good fit for refinancing?
If you haven’t graduated yet, if you aren’t up to date on your student loan payments, if you don’t have a steady income, if your credit score isn’t at least in the high 600’s, then refinancing is probably not for you.
Additionally, consider if you might need the safety nets that federal student loans offer such as public service loan forgiveness or income driven repayment plans before you refinance.
Benefits of the negotiated deal
- Lower Rates (Options available based on lender)
- Up to $1000 Cash Back (Options available based on lender)
- No Fees (No Application, No Origination and No Prepayment Fees)5
Am I eligible for refinancing?
What are the effects of refinancing?
Should I refinance my Federal loan right now?
How long is this valid for?
Do you expect the interest rates to change?
Should I refinance with a fixed or variable interest rate?
A lender told me I was not eligible, what should I do?
Can I refinance a Parent PLUS loan?
Thousands of members helped us get here
Thanks to our community, we’ve successfully negotiated a deal for our members. Now, you’re free to join and access those same options.Check my rate