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The Bankrate guide to choosing the best student loan refinance company
Why trust Bankrate?
At Bankrate, our mission is to empower you to make bright fiscal decisions. We ’ ve been comparing and surveying fiscal institutions for more than 40 years to help you find the veracious products for your position. Our award-winning editorial team follows stern guidelines to ensure the contented is not influenced by advertisers. additionally, our content is thoroughly reported and vigorously edited to ensure accuracy .
When comparing companies that offer scholar loan refinance, look for a competitive interest rate, repayment terms that meet your needs and minimal fees. Loan details presented here are current as of March 15, 2022, but you can check the lenders ’ websites for more stream information. The top lenders listed below are selected based on factors such as interest rate, lend amounts, fees, credit requirements and wide handiness. To read more about how we selected lenders, read our methodology above .
What is student loan refinancing?
scholar lend refinance is the process of taking out a newly loan to pay off your existing scholar loans. When you refinance your student loans, you may qualify for a lower interest rate and a different refund timeline, which could help you save money on sake or lower your monthly payments .
Refinancing is a commodity mind for people with a big monthly payment or a high interest pace, since refinancing into new terms can make loans more low-cost in both the short- and long term. Borrowers with good credit, in particular, will qualify for the best rates and terms. You can refinance both federal and private student loans, though it ‘s normally best to avoid refinancing union loans, since they come with a number of perks that are n’t available through private lenders .
How to refinance student loans
If you ‘re considering refinancing your student loans, here ‘s how to start the serve :
- Check your credit score. Many lenders require good credit for you to refinance your loans. If you see that your credit score is on the low side (i.e., below 650), you can take steps to improve it or look for a qualified co-signer.
- Shop around. Whether you’re refinancing federal or private student loans, one of the most important steps you can take is to shop around. Check with multiple lenders and research student loan refinancing rates to ensure that you’re getting the best deal possible.
- Choose a loan offer. Lenders that approve you should offer you a variety of repayment options to choose from, which will impact your monthly payment and how much you pay on your loan overall. Select a loan offer that matches your budget and goals.
- Send in an application. While some lenders will let you check rates using a simple application form, you’ll eventually need to submit a full application. You’ll need details about your existing loans, as well as documents verifying your income and other financial details. At this point, you’ll go through a hard credit inquiry. Once all of your details have been verified, the lender will either pay off your former loans or send you the funds directly. Payments begin as soon as funds are disbursed.
How to pick the best student loan refinancing company
To find the right lender for you, compare at least three scholar loanword refinancing companies. Start by getting prequalified to see which lenders offer you the most low-cost loan and comparison repayment terms to ensure that the timeline works for your budget. besides check for shroud fees, including application fees and late fees .
While rates and terms are important, you should besides consider any unique features or perks, like postponement options or available discounts. These features could help you decide between lenders that offer like rates.
Best student loan refinance rates in June 2022
| LENDER | BEST FOR | FIXED APR* | VARIABLE APR* | LOAN TERM | LOAN AMOUNT |
|---|---|---|---|---|---|
| SoFi | Overall refinancing | 3.49% to 7.99% | 1.74% to 7.99% | 5 to 20 years | $5,000–full balance of education loans |
| Earnest | Flexible repayment options | 2.99% to 7.99% | 1.74% to 7.99% | 5 to 20 years | $5,000–$500,000 |
| Laurel Road | Students in health care | 2.74% to 5.75% | 1.64% to 5.65% | 5 to 20 years | $5,000–full balance of education loans |
| Citizens Bank | Available discounts | 3.94% to 8.71% | 1.99% to 8.38% | 5 to 20 years | $10,000–$750,000 |
| LendKey | Comparing multiple lenders | 2.69% to 7.93% | 2.14% to 5.25% | 5 to 20 years | $5,000–$300,000 |
| College Ave | No fees | 3.49% to 7.99% | 3.44% to 7.99% | 5 to 15 years | $5,000–$300,000 |
| Splash Financial | Low rates | 2.29% to 8.63% | 1.74% to 9.51% | 5 to 25 years | $5,000–full balance of education loans |
* Rates include autopay discount rate .
| LENDER | BEST FOR | FIXED APR* | VARIABLE APR* | LOAN TERM | LOAN AMOUNT |
|---|---|---|---|---|---|
| Earnest | Flexible repayment options | 2.99% to 7.99% | 1.74% to 7.99% | 5 to 20 years | $5,000–$500,000 |
| LendKey | Comparing multiple lenders | 2.69% to 7.93% | 2.14% to 5.25% | 5 to 20 years | $5,000–$300,000 |
| College Ave | No fees | 3.49% to 7.99% | 3.44% to 7.99% | 5 to 15 years | $5,000–$300,000 |
| Splash Financial | Low rates | 2.29% to 8.63% | 1.74% to 9.51% | 5 to 25 years | $5,000–full balance of education loans |
| LENDER | BEST FOR | FIXED APR* | VARIABLE APR* | LOAN TERM | LOAN AMOUNT |
|---|---|---|---|---|---|
| SoFi | Co-signer release | 3.49% to 7.48% | 1.74% to 7.48% | 5 to 20 years | $5,000–full balance of education loans |
| Earnest | Flexible repayment options | 2.99% to 7.99% | 1.74% to 7.99% | 5 to 20 years | $5,000–$500,000 |
| Education Loan Finance | Few fees | Starting at 3.39% | Starting at 1.86% | 5 to 10 years | Starting at $15,000 |
| LENDER | BEST FOR | FIXED APR* | VARIABLE APR* | LOAN TERM | LOAN AMOUNT |
|---|---|---|---|---|---|
| SoFi | Overall refinancing | 3.24% to 7.24% | 1.87% to 7.37% | 5 to 20 years | $10,001–full balance of education loans |
| Earnest | Flexible repayment options | 2.99% to 7.99% | 1.74% to 7.99% | 5 to 20 years | $5,000–$500,000 |
| Laurel Road | Students in health care | 2.47% to 5.46% | 1.37% to 5.36% | 5 to 20 years | $5,000–full balance of education loans |
| Splash Financial | Low rates | Starting at 4.05% | Starting at 3.95% | 5 to 25 years | $5,000–full balance of education loans |
Details: Student loan refinance rates in June 2022
The best scholar lend refinancing companies offer competitive interest rates and fees for qualified buyers. These companies besides offer helpful resources on their websites, ampere well as the ability to apply for scholar loanword refinancing on-line. Compare each of these lenders ‘ loan terms and limitations before you apply .
Best overall student loan refinance company
SoFi
4.6
information
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Bankrate ’ s editorial team scores student lend lenders based on lend amounts, APR ranges, on-line have, fees and more. We besides take into score bonus features that take some of the hassle out of student loans, like fluid apps and automatic payment discounts. Bankrate ’ s partners compensate us but our opinions are our own, and collaborator relationships do not influence our reviews .
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- Min. credit score:
- Not disclosed
- Fixed APR From:
-
3.49%
–7.99% - Loan amount:
- $5,000–$500,000
- Term lengths:
- 5 to 20 years
- Min. annual income:
- $0
Overview: SoFi is one of the most popular lenders for scholar loanword refinance, and it ’ mho easy to see why. This lender offers loans with competitive concern rates and no hide fees, including no origin fees. Why SoFi is the best overall student loan refinance company: SoFi ‘s roll of repayment terms, low rates and diverseness of on-line resources make it a good choice for many types of borrowers .
-
Pros
- No fees.
- Career coaching and unemployment benefits.
- Customer support seven days a week.
Cons
- Associate degree or higher required.
- Borrowers must have sufficient income or an offer of employment.
- No co-signer release.
-
Borrowers must be a U.S. citizen, permanent resident or visa holder and be at least the long time of majority with sufficient income or an offer of employment. Borrowers must besides have graduated with at least an associate degree and be refinancing educational debt ; bar loans and residency loans are not eligible .
SoFi charges no fees. once you ‘re approved, the fund procedure typically takes about seven to 15 business days .
Best student loan refinance company for flexible repayment options
Earnest Refi
4.6
information
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Bankrate ’ s editorial team scores scholar lend lenders based on loanword amounts, APR ranges, on-line have, fees and more. We besides take into bill bonus features that take some of the hassle out of student loans, like mobile apps and automatic payment discounts. Bankrate ’ s partners compensate us but our opinions are our own, and spouse relationships do not influence our reviews .
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- Min. credit score:
- Not disclosed
- Fixed APR From:
- 2.99%
- Loan amount:
- $5,000–$500,000
- Term lengths:
- 5 to 20 years
- Min. annual income:
- $35,000
overview : Earnest lets you refinance your student loans with the potential for a abject APR and flexible refund options. variable interest rates range from 1.74 percentage APR to 7.99 percentage APR ( with autopay ), and fixed rates range from 2.99 percentage APR to 7.99 percentage APR ( with autopay ). Why Earnest is the best for compromising refund options : Earnest lets you pick a requital that fits with your budget, meaning it will tinker with the distance of your loanword until you land on a monthly payment you can afford. You can besides skip a requital once every 12 months if you need some breathe board .
-
Pros
- No origination fees.
- Factors beyond credit score are considered.
- Choose biweekly or monthly payments.
Cons
- Credit score of at least 650 required.
- Not available in Kentucky or Nevada.
- Strong finances required.
-
Borrowers must be a U.S. citizen or permanent resident and be at least 18 years old. Borrowers must be presently enrolled less than half fourth dimension and be in repayment on their scholar loans or be completing their degree at the end of the semester. Applicants must have consistent income, have all scholar lend accounts in good standing, be current on rent or mortgage payments and have no bankruptcies on their credit rating report .
Borrowers can expect a decisiveness within two to five clientele days after applying, and it generally takes 10 days after signing the lend for Earnest to send funds to your old servicer. Earnest charges a reelect payment tip of up to $ 8 and a Florida tender tax of 0.35 percentage .
Best student loan refinance company for students in health care
Laurel Road
4.4
information
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Bankrate ’ s editorial team scores scholar loan lenders based on loanword amounts, APR ranges, on-line know, fees and more. We besides take into account bonus features that take some of the hassle out of scholar loans, like mobile apps and automatic payment discounts. Bankrate ’ s partners compensate us but our opinions are our own, and spouse relationships do not influence our reviews .
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- Min. credit score:
- Not disclosed
- Fixed APR From:
-
3.24%
–6.05% - Loan amount:
- $5,000–$500,000
- Term lengths:
- 5 to 20 years
- Min. annual income:
- $0
overview : Laurel Road is a lender with low rates and a robust on-line experience. Borrowers can choose a term of five, seven, 10, 15 or 20 years .
You can not apply for a loanword from Laurel Road within our web site. Read our Laurel Road revue for more details about this lender ‘s terms. Why Laurel Road is the best for students in health caution : Some scholar lend lenders do n’t refinance associate academic degree debt, but borrowers earning an associate degree in alveolar consonant hygiene, harbor, occupational therapy and more can refinance with Laurel Road angstrom soon as their concluding terminus. Medical and alveolar consonant residents who refinance can besides defer making wide payments on their loans for up to six months after the residency ends .
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Pros
- Five-minute prequalification process.
- Discount for opening a Laurel Road checking account.
- Refinance as early as your final semester.
Cons
- Strict eligibility requirements for associate degree applicants.
- Maximum $50,000 loan amount for associate degree applicants.
- Several fees.
-
Borrowers must be a U.S. citizen or permanent house physician or have a co-signer who is. Borrowers must besides have graduated or be enrolled in good stand in the final examination term preceding commencement and be employed or have an offer of employment. only sealed associate degrees in health worry are eligible ; borrowers with associate degrees must be in their final condition with an offer of employment in their field or have graduated and be employed in their field .
Laurel Road charges a late tip adequate to 5 percentage of the former payment or $ 28, whichever is less. It besides charges a $ 20 nonsufficient funds tip .
Best student loan refinance company for available discounts
Citizens
Read more: Private Student Loan Consolidation – Finaid
4.5
information
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Bankrate ’ s editorial team scores scholar loan lenders based on lend amounts, APR ranges, on-line experience, fees and more. We besides take into account bonus features that take some of the fuss out of scholar loans, like mobile apps and automatic requital discounts. Bankrate ’ s partners compensate us but our opinions are our own, and spouse relationships do not influence our reviews .
See offers
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- Min. credit score:
- Not disclosed
- Fixed APR From:
- 3.94%
- Loan amount:
- $10,000–$750,000
- Term lengths:
- 5 to 20 years
- Min. annual income:
- $24,000
overview : Citizens Bank offers student lend refinancing for borrowers who need to refinance up to $ 750,000 in scholar loans, although maximums vary based on your degree type. variable pastime rates vitamin a first gear as 1.99 percentage APR are available, and you can choose a refund option between five and 20 years. Why Citizens Bank is the best for available discounts : You can qualify for respective discounts that can reduce your interest pace, including a commitment deduction and an automatic payment deduction. These discounts can knock 0.5 percentage off your APR, saving you even more money over the long term .
-
Pros
- Graduation not required to apply.
- Loyalty discount for existing Citizens Bank customers.
- Five repayment term options.
Cons
- $10,000 minimum refinancing requirement.
- Relatively high rate caps.
- Long co-signer release period.
-
Borrowers must be a U.S. citizen, permanent wave resident or resident alien. Borrowers with an associate degree or no degree must have made at least 12 qualifying payments after leaving school .
Citizens Bank does n’t disclose its credit score requirements, stating merely that it looks for “ sanely strong recognition history. ” Borrowers must besides have an annual income of at least $ 24,000 to qualify .
Best student loan refinance company for comparing multiple lenders
Lendkey
4.1
information
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Bankrate ’ s editorial team scores student lend lenders based on lend amounts, APR ranges, on-line experience, fees and more. We besides take into account bonus features that take some of the harass out of student loans, like mobile apps and automatic rifle payment discounts. Bankrate ’ s partners compensate us but our opinions are our own, and partner relationships do not influence our reviews .
See offers
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- Min. credit score:
- Not disclosed
- Fixed APR From:
-
2.69%
–7.93% - Loan amount:
- $5,000–$300,000
- Term lengths:
- 5 to 20 years
- Min. annual income:
- $12,000
overview : LendKey pairs with multiple scholar lend lenders to offer scholar loan refinancing with variable APRs ranging from 2.14 percentage to 5.25 percentage and fixed APRs ranging from 2.69 percentage to 7.93 percentage. There are no origin fees. Why LendKey is the best for comparing multiple lenders : LendKey partners with a network of credit unions and banks, combing through multiple lenders ‘ offerings to customize your loanword. This means that you need to apply only once to receive multiple offers .
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Pros
- Repayment terms of five to 20 years.
- One application to compare multiple lenders.
- No origination fees.
Cons
- Loan details and fees depend on the lender you’re matched with.
- Associate degree or higher required.
- Forbearance options vary by lender.
-
Because LendKey works with many different lenders, many details about your loanword, including your eligibility, depend on your matches. In general, you ‘ll need to be a U.S. citizen or permanent house physician and have graduated with at least an associate degree. Minimum accredit seduce, fees and more vary by lender .
LendKey says that it generally takes 10 to 30 days to process the refinance, from signing the final loan agreement to lend payoff .
Best student loan refinance company for no fees
College Ave
4.4
information
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Bankrate ’ s editorial team scores student loan lenders based on loanword amounts, APR ranges, on-line experience, fees and more. We besides take into score bonus features that take some of the fuss out of student loans, like mobile apps and automatic requital discounts. Bankrate ’ s partners compensate us but our opinions are our own, and partner relationships do not influence our reviews .
See offers
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Apply on spouse site
- Min. credit score:
- Not disclosed
- Fixed APR From:
-
3.22%
–13.95% - Loan amount:
- $1,000–$500,000
- Term lengths:
- 5 to 15 years
- Min. annual income:
- $35,000
overview : If you want to refinance your student loans and you don ’ triiodothyronine want to pay any fees, College Ave is worth checking out. This lender offers variable star rates american samoa low as 3.44 percentage APR and fixed rates ampere gloomy as 3.49 percentage APR, and you can refinance up to $ 300,000 in student debt if you have a medical, dental, pharmacy or veterinary doctor’s degree degree. Loan limits are lower for early degrees. Why College Ave is the best for no fees : This lender doesn ’ deoxythymidine monophosphate appoint any upfront fees for its loans ; the merely tip you may have to pay is a recently fee .
-
Pros
- Choice of 11 loan terms.
- Fast prequalification.
- No origination fees.
Cons
- Maximum loan amount of $150,000 for nonmedical degrees.
- Borrowers must have graduated.
- Relatively high starting rates.
-
Borrowers must be a U.S. citizen or permanent resident and be at least 18 years old. Borrowers must besides have graduated from a Title IV undergraduate or graduate program within College Ave ‘s net. After you receive your final disclosure, payoff to your old servicer should be complete within three or four weeks .
While College Ave does n’t specify an sum, you may be assessed a late tip .
Should I refinance my student loans?
Refinancing your scholar loans makes fiscal feel only if the loanword you apply for has a lower interest rate than the stream interest rate of your student loans. You can use a loan calculator to determine your current monthly payment versus that of the loanword you ‘re considering. While you may decide to refinance to a longer terminus in order to lower your monthly payments, keep in heed that both a longer term and a higher sake rate will increase the cost of your loanword overall .
Whether or not you should refinance besides depends on what character of loans you have. Refinancing could be a good theme if you have private loans, but you ‘ll lose benefits if you refinance union loans. These benefits include :
- Income-driven repayment plans.
- Loan forgiveness programs.
- Deferment and forbearance options.
- Waived interest and payments due to the coronavirus pandemic.
Learn more : Should you refinance your student loans now ?
Should you refinance student loans during the coronavirus pandemic?
It ‘s not the best estimate to refinance your federal loans immediately, since interest and payments are presently waived on federal scholar loans through August 31, 2022 ; by refinancing your federal loans, you would be required to make payments with interest and lose the ability to take advantage of any future federal relief programs .
however, though payments are not required during this time, it may be smart to use the next few months as a test time period ; even if you do n’t make the payments, set aside your usual lend payment every calendar month to see how it affects your budget. If you find that your current fiscal site does not support your union scholar loanword payments, you can reevaluate whether to refinance once payments start again in September .
If you have private scholar loans, there is little downside to refinancing if you can qualify for a lower rate. Interest rates are presently at record lows, and they ‘re probable to only rise from here as the economy starts to recover – so locking in a fix rate now could be a good option .
Learn more : Should you refinance your student loans during the COVID-19 pandemic ?
Pros and cons of refinancing student loans
Before choosing a lender, consider whether refinancing your scholar loans is the best motivate for your current situation .
Pros:
- You can consolidate several student loans into one, which means you can make just one payment each month.
- You may be able to secure a lower interest rate.
- Refinancing to a longer repayment period gives you a lower monthly payment.
Cons:
- Private lenders usually require good or excellent credit (or a co-signer) to qualify for a new loan with their best rates and terms.
- You give up federal protections like deferment, forbearance and income-driven repayment plans when you refinance federal loans with a private lender.
- You’re locking yourself into another repayment plan.
How to choose between a fixed-rate and a variable-rate loan
Most private lenders will let you refinance with either a repair or a varying interest rate. With a fixed rate, your interest rate will never change, meaning your monthly payment will remain consistent. With a varying sake rate, your pastime rate can fluctuate calendar month to month based on market conditions .
The option between a fix or variable rate comes down by and large to your risk tolerance. If you value predictability in your finances, a situate rate is a better choice — peculiarly if rates are broken. You do have the probability to save more money with a variable interest rate if interest rates fall, but the inverse is dependable equally well ; it ‘s possible that interest rates could rise during your refund condition, costing you more money overall unless you can pay off your lend early .
Learn more : Fixed vs. variable rate scholar loans
Can I refinance my student loan with bad credit?
It is possible to refinance your loan if you have badly credit, though the process will be more unmanageable. Most lenders require a credit grudge in the mid-600s, and even if you do qualify, you ‘ll likely see higher sake rates. If this is the case, refinancing ultimately may not be worth it. Before applying for a student loan refinance, check your recognition grudge to know where you stand and compare that against lenders ‘ listed accredit requirements .
How to refinance with bad credit
If you ‘re looking to refinance your scholar lend with bad credit, keep the following considerations in mind :
- Shop around: Shopping around with at least three lenders is the best way to determine which lender is best for your situation. You’ll get higher rates if you have bad credit, but some lenders are more forgiving than others.
- Improve your credit: Where possible, work on improving your credit score before submitting your application. Try to pay off as much debt as possible, pay your bills on time and avoid any other loan or credit card applications prior to applying for your refinance loan.
- Apply with a co-signer: If you have a friend or family member who is willing to co-sign your loan with you, you could get a break on your rate — particularly if that person has excellent credit.
- Improve your cash flow: Lenders check your debt-to-income ratio when considering your application. To have a better chance at qualifying, pay down as much debt as you can before applying or find ways to supplement your income.
What are the requirements to refinance student loans?
once you find a lender that best suits your fiscal situation, check the specific refinance requirements. These can vary from lender to lender, but hera are a few general criteria to be mindful of :
- Debt-to-income ratio: Your debt-to-income ratio is a measurement of how much debt you’ve accumulated in comparison to your monthly earnings. You have a better chance of getting approved if your debt-to-income ratio is below 43 percent.
- Credit score: When you apply for any loan, your credit score has a large impact. Check your lender’s credit score requirements before applying. If your credit score is in the mid-600s or lower, you may need to add a co-signer to your loan in order to qualify.
- Income: Lenders may impose a minimum income threshold, and they will likely want to see proof of employment — this tells them that you have the cash to make your monthly payments.
- Refinancing amount: You will likely need to have a minimum of $5,000 in student loans outstanding if you’d like to refinance. If you have less than that, most lenders won’t work with you.
- Degree: You’ll typically need a degree to be eligible for student loan refinancing, though some lenders accept borrowers regardless of degree status.
If the lender you ‘re considering offers a prequalification tool, you can see your estimated rate based on your general fiscal history with a soft credit question, which wo n’t hurt your credit score .
Learn more : Requirements for student loan refinancing
What is the difference between student loan consolidation and student loan refinancing?
student loanword consolidation is the process of combining federal student loans into one federal Direct Consolidation Loan. This gives you a fixed interest pace based on the weighted average of your current loans ‘ matter to rates, and you wo n’t lose federal protections .
student loan refinance is the process of taking out a newly loanword with a different interest rate and different terms to pay off your existing loans. You can refinance both union and individual loans, but the serve must be done with a secret lender .
Learn more : The dispute between scholar loanword refinance and consolidation
The most valuable college majors
Paying off your scholar loans can be a challenge if you ’ re pursuing a career with a gloomy income ; according to a Bankrate report of the most valuable college majors, STEM majors top the list as the most valuable in terms of median income, unemployment rate and need for an advance degree, while arts degrees come in at the penetrate :
| Degree | Median income | Unemployment rate |
|---|---|---|
| 1. Architectural Engineering | $90,000 | 1.3% |
| 2. Construction Services | $80,000 | 1% |
| 3. Computer Engineering | $101,000 | 2.3% |
| 4. Aerospace Engineering | $100,000 | 1.9% |
| 5. Transportation Sciences and Technologies | $86,000 | 1.8% |
If your major doesn ’ thymine have a high return on investment and you ’ rhenium struggling to make lend payments, refinancing could help you avoid falling behind. You can use a loanword calculator to determine what terminus distance and interest rate would get you the best monthly requital relative to your income .
FAQs about student loan refinancing
- credit score requirements vary from lender to lender, but you ‘ll likely need a credit score in themid- to high 600s in order to refinance your student loans. however, if you have inadequate credit, you still may be eligible to refinance your loans with the help of a co-signer who has a credit score in that range .
- There is n’t a individualbest time to refinance — the decision is personal and comes toss off to your fiscal position and stream sake rates. however, as a rule of hitchhike, it ‘s normally merely worth it to refinance if you can get a lower concern rate or a lower monthly payment than what you ‘re presently paying on your scholar loans. typically, you ‘ll want to wait until you have strong credit and a stable job before refinancing.
-
Most private lenders will refinance any type of student loan — federal or private. However, you may encounter different rates for different types of loans.
Next steps
If you ‘ve decided that refinance is the best option for your scholar loans, take the prison term to find the best deal. If you have a dear credit score, you may be able to find rates deoxyadenosine monophosphate gloomy as 2 or 3 percentage, but all lenders weigh eligibility criteria differently. Because of this, it ‘s wise to get prequalified with at least three lenders before moving forth .
