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Best Student Loan Refinance Companies for July 2024

By Lindsay VanSomeren
Updated July 01, 2024
Reviewed by
Cierra Murry
Cierra Murry
Reviewed by Cierra Murry
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Cierra Murry is an expert in banking, credit cards, investing, loans, mortgages, and real estate. She is a banking consultant, loan signing agent, and arbitrator with more than 15 years of experience in financial analysis, underwriting, loan documentation, loan review, banking compliance, and credit risk management.
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Maddy Simpson
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Maddy Simpson is an experienced data journalist and fact-checker with a background in financial analytics.
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Earnest tops our list of best student loan refinance companies, offering qualified borrowers fixed and variable interest rates starting at 4.99% and 5.89%, respectively.

Deciding whether to refinance your student loans depends entirely on you. The main benefits of refinancing means consolidating your student debt and, if you qualify, you may get better interest rates and longer repayment terms. This means smaller monthly payments.

We've been reviewing student loan refinance companies since 2020. We looked at important factors from 23 top lenders, including loan types and amounts, annual percentage rates (APRs), availability, repayment options, and more, to help you find the best options.

Best Student Loan Refinance Companies for July 2024

Think twice before you refinance federal student loans. You’ll lose all of the generous federal benefits and options if you do, such as forbearance, and you’ll begin repayment on your loans immediately. 

Compare Personal Loan Rates with Our Partners at Fiona.com

Best Overall : Earnest

Earnest

Earnest
  • APR Range: Fixed 4.99%-9.99%, Variable 5.89%-9.99% (autopay included)
  • Loan Amounts: $5,000–$500,000
  • Loan Terms: 5–20 years
Why We Chose It

Earnest has two big factors going for it compared with other lenders. First, it grants you the option to skip one payment every 12 months, provided you’ve made all your payments on time in the interim. But, that doesn't mean it’s not a free pass because that payment is tacked onto the end of your loan, and still accrues interest.

Each time you use it, it reduces the amount of forbearance available by one month. Keep in mind that you only have a maximum of 12 months available at the beginning. This adds extra flexibility to your budget if needed, and that’s always a plus. 

Earnest also offers an unparalleled range of options, so it doesn't force you to choose from a few term options at five-year intervals. The company offers several options for repayment terms with intervals as short as one month, which allows you to find a payment amount that better fits your budget.

Pros and Cons
Pros

  • Custom loan options

  • Skip-a-payment option

  • Available to international students with Prodigy loans

Cons

  • Restrictions for residents of some states

  • Skip-a-payment option lowers forbearance length

Repayment Options
  • Forbearance: Up to 12 months of forbearance during the life of your loan for qualified circumstances, such as financial hardship. 
  • Deferment: You can stop your payments entirely during certain qualified periods, such as if you return to school at least half-time or you’re deployed as an active-duty soldier.
  • Biweekly payments: This option splits up your single monthly payment into payments due every two weeks. 
Eligibility Requirements
  • Minimum credit score of 665 or higher for refinance loans.
  • In some cases, credit requirements for the student borrower may apply in addition to the normal credit requirements for the co-signer.
  • Must be a U.S. citizen or permanent resident.
  • Must have at least two months’ emergency fund.
  • Available in Washington, D.C., and all states except Nevada.
  • Variable-rate loans aren’t available for residents of Alaska, Illinois, Minnesota, New Hampshire, Ohio, Tennessee, and Texas.

Refinancing Marketplace : Credible

Credible logo
Credible logo.
  • APR Range: Fixed 5.24%-10.99%, Variable 5.28%–12.43% (autopay included)
  • Loan Amounts: $5,000–$750,000
  • Loan Terms: 5–20 years
Why We Chose It

Credible isn’t a lender. Rather, it’s a marketplace that offers personalized prequalified rates with several companies at once.* In other words, it’s a student loan refinancing matchmaking company. It also helps people find other loan types.

Credible is transparent about the lenders it works with so you know which ones to cross off your shopping list. With nine partner lenders in its network, it’s a fast and easy way to get your rate shopping done.  It even offers a $200 best-rate guarantee, so if you find a better offer from a non-partner lender, Credible will reimburse you with a gift card.

As with any loan marketplace, the downside is you’ll still need to research each company you’re matched with to see if it offers the features you’re looking for, if anything, beyond the lowest rate. 

Pros and Cons
Pros

  • Very low rates

  • $200 best rate guarantee

  • Good selection of lenders

Cons

  • Loan options may vary

  • May need to join a credit union

  • Some partner lenders are state-specific

Repayment Options

Repayment options vary depending on the lender that you’re matched with. If you've completed school, you will likely already be in repayment and continue paying immediately after refinancing. If you end up going back to school, options may include:

  • Deferment
  • Fixed payments
  • Interest-only payments
  • Full repayment
Eligibility Requirements
  • Must be a U.S. citizen or permanent resident
  • Minimum credit score of 700 or higher, although some lenders may accept lower scores

Best Rates : Splash Financial

Splash Financial

Splash Financial
  • APR Range: Fixed 4.99%–9.99%, Variable 5.28%-9.99% (autopay included)
  • Loan Amounts: $5,000–No maximum
  • Loan Terms: Not disclosed
Why We Chose It

Like Credible, Splash Financial is a student loan marketplace. Splash Financial, however, is specifically geared toward people looking to refinance their loans, and it works with an exclusive set of lenders.

As such, you can compare rates from several lenders at once, although the exact details of which lenders are in Splash Financial’s network aren’t disclosed. 

Since Splash Financial only serves as an intermediary to connect you with other lenders, there aren’t too many downsides to using it. However, none of the lenders in its network offer refinancing options to those who have not finished their degree.

Pros and Cons
Pros

  • Very low rates

  • Affordable options for medical professionals

Cons

  • Not available if you didn’t complete your degree

  • May need to join a credit union

Repayment Options
  • Full repayment: Full principal-and-interest payments are required for most refinanced student loans.
  • Medical and dental school repayment: Refinance your medical or dental school loans and you'll only have to make fixed monthly payments of $100 while you're in a residency or fellowship, and for six months after you leave those programs. 
Eligibility Requirements
  • Minimum credit score not disclosed.
  • Must be a U.S. citizen or permanent resident.
  • Available in all 50 states, Washington, D.C., Puerto Rico, and U.S. Virgin Islands.
  • Must have a completed degree

Best Benefits : SoFi

SoFi

SoFi
  • APR Range: Fixed 5.24%–9.99%, Variable 6.24%-9.99% (autopay included)
  • Loan Amounts: $5,000 minimum. No maximum.
  • Loan Terms: 5–20 years
Why We Chose It

Private student loan lenders don’t have a particularly good reputation for offering many perks, especially when you compare them with federal student loans. SoFi is somewhat of an exception to that because it offers many borrower benefits, including special events, Los Angeles-based SoFi Stadium lounge access, and more. 

SoFi is also one of the few lenders that allows graduates to refinance student loans that their parents took out for their benefit in their names, thereby claiming responsibility for repayment.

Be aware, however, that applying with a co-signer can add extra time to your loan approval timeline. And once listed on the loan, there’s no way to remove a co-signer unless you refinance again in your name alone. 

Pros and Cons
Pros

  • Career coaching, special events, and more

  • Can refinance parent loans in your own name

Cons

  • Spouses can’t refinance loans together

  • Applying with a co-signer may take more time

Repayment Options
  • Reduced payment: If you experience a financial hardship, SoFi may be able to work with you on a way to lower your monthly payments. 
  • Forbearance and deferment: SoFi offers forbearance and deferment options in some cases, such as if you return to school or experience a natural disaster.
Eligibility Requirements
  • Minimum credit score not disclosed.
  • Completed at least an associate’s degree from a Title IV school.
  • Available in all 50 states plus Washington, D.C.
  • Must be a U.S. citizen or current resident, including non-permanent residents and DACA recipients.

Best for Parent Loans : ISL Lending

Iowa Student Loan (ISL) Education Lending

Iowa Student Loan (ISL) Education Lending
  • APR Range: 6.93%–11.57%
  • Loan Amounts: $5,000–$300,000
  • Loan Terms: 7–20 years
Why We Chose It

The name Iowa Student Loan might fool you into thinking that student loan refinancing is only available to residents of the Hawkeye State. But, this nonprofit lender is available across the entire country, except for Maine.

Its low rates make it a good refinancing option, but there are a few reasons why it's a strong candidate for people with parent student loans: 

  • You may be able to opt for a graduated repayment plan that can help make payment easy, especially if you're in the midst of a career transition.
  • You’ll also qualify for a reduced rate on your loan if you’re an active-duty military member. 
  • Unlike most private student loan lenders, ISL offers a loan discharge program if you become permanently disabled or die—similar to federal student loans. No one likes to think about this possibility, but the chances of an unfortunate event happening are higher for parents than newly-minted young grads.

Choosing a loan with these options can better protect you and your family.

Pros and Cons
Pros

  • Flexible repayment plans

  • Doesn’t require a completed degree

  • Loan discharge for death or permanent disability

Cons

  • Doesn’t offer variable-rate loans

  • Not available for DACA recipients

  • Not available for residents of Maine

Repayment Options
  • Forbearance: May offer a pause in payments for certain cases such as financial hardship.
  • Graduated repayment: Rather than paying a steady payment, start with smaller payments that gradually grow to a larger size to finish repaying the loan in the same amount of time.
  • Deferment: ISL offers deferment for certain cases, such as financial hardship or serving in the military, if you’re up to date on payments and provide a budget worksheet.
Eligibility Requirements
  • Minimum credit score of 670 or higher.
  • Must be a U.S. citizen or permanent resident.
  • Available in Washington, D.C., and all states except Maine.
  • No prior adverse credit events like foreclosures, bankruptcies, accounts in collection, etc. 
  • No more than two late payments overdue by 30 days (and none past 60 days) in the previous two years. 
  • Debt-to-income (DTI) ratio under 25% (if you don’t pay rent or mortgage) or 40% (for most others)

Best for Large Balances : Laurel Road

Laurel Road logo
Laurel Road logo.
  • APR Range: Fixed 5.19%–9.50%, Variable 5.24%-9.70% (autopay included)
  • Loan Amounts: $5,000–No maximum.
  • Loan Terms: 5–20 years
Why We Chose It

Some professions are known for having an especially high price tag, like law and medicine. Laurel Road is one of a few companies that cater to high-balance borrowers, especially people in the medical profession. Laurel Road may offer special rate discounts and affordable $100 repayment plans for medical residents and fellows. 

You don’t necessarily have to be a doctor or an x-ray technician to benefit from Laurel Road’s refinancing options. It also offers different ways for others to save.

The lender offers a larger suite of banking services, and if you sign up for these and meet certain requirements (and they’re generally not too hard to meet), you could qualify for even lower rates on your student loan refinance.

Pros & Cons
Pros

  • Very low student loan refinance rates

  • Kids can take over parent student loans

  • Special benefits for healthcare professionals

Cons

  • Doesn’t offer deferment if you return to school

Repayment Options
  • Natural disaster forbearance: Available for up to two months.
  • Economic hardship forbearance: Available for up to 12 months, granted in four three-month periods at a time. 
  • $100 repayment: Available for medical residents and fellows, this plan offers affordable payments, but keep in mind the payments may not cover the amount of interest accruing monthly.
Eligibility Requirements
  • Must be a U.S. citizen or permanent resident.
  • Available in all 50 states plus Washington, D.C.
  • Can only refinance loans for graduate studies, undergraduate studies at a four-year institution, or certain associate degrees in the medical field.
  • Must have completed your degree unless you’re a parent refinancing student loans for your child, or you’re in your final semester of study with a signed job offer.

The Bottom Line

There are a lot of reasons to refinance your student loans, and some lenders are clear winners in specific instances. For example, if you’re trying to relieve your parents of the student loan burden they took out for your education, ISL Lending is a top choice.

But, Earnest is a great all-around option for most borrowers to add to any rate-shopping checklist. It offers the highest degree of customization so you’re more likely to land on the best option for your budget, rather than being shoehorned into a small handful of options. That can help you pay off your loan even quicker and perhaps with lower interest so you can move on with your life. 

Keep in mind that you need to weigh the pros and cons of refinancing your student loans. While you may get better loan terms, there is a chance you can lose your federal student loan benefits. That's why you should do your due diligence before you decide to refinance your student debt.

Compare the Best Student Loan Refinance Companies

Company Interest Rate Loan Terms Maximum Loan Amount Minimum Credit Score
Earnest Best Overall 4.99%–9.99% fixed, 5.89%-9.99% variable (autopay included) 5–20 years $500,000 665
Credible Best Refinancing Marketplace 5.24%–10.99% fixed, 5.28%-12.43% variable (autopay included) 5–20 years  $750,000 700 for best rates (some lenders may accept lower scores)
Splash Financial Best Rates 4.99%–9.99% fixed, 5.28%-9.99% variable Not disclosed  None Not disclosed
SoFi Best Benefits 5.24%–9.99% fixed, 6.24%-9.99% variable (autopay included) 5–20 years  None Not disclosed
ISL Lending Best for Parent Loans 6.93%–11.57% 7–20 years $300,000 670
Laurel Road Best for Large Balances 5.19%–9.50% fixed, 5.24%-9.70% variable, (autopay included) 5–20 years  None Not disclosed 

Guide to Choosing Student Loan Refinance Companies

What Is Student Loan Refinancing?

Student loan refinancing happens when you apply for one new loan to pay off your existing student loans. Borrowers tend to do this to lower their borrowing costs and get better terms, including lower monthly payments and a better interest rate.

If you want to refinance your student loans, you'll have to apply with a private lender. Once your loan is approved, your existing loans are paid off and you begin making payments to the new lender. Keep in mind that refinancing means you lose any federal student loan protections if you qualified for them when you first applied for your loans.

How to Compare Student Refinance Loans 

When looking at options to refinance your student loans, you want to compare providers to make sure you’re getting the best deal. Keep the following important factors in mind:

  • Rates: Know what rates are offered and if they are fixed or variable rates. Typically, the higher your credit score, the lower your rate. 
  • Terms: Student loan terms generally range from 5 to 20 years. However, some companies cut off term limits at 15 years. Know how long the term is and make sure it’s feasible to make timely payments. 
  • Customer service: Know how to get in touch with customer service whether it be through email, online chat, or email. You may have a question the website doesn’t answer. 
  • Borrower requirements: Do you need to have a certain FICO score to qualify? Know if there are other qualifications such as being a certain age, minimum income, or a particular type of degree program.
FICO Credit Score Ranges
Rating  Score Range 
Excellent 800-850 
Very Good 740-799 
Good 670-739
Fair 580-669
Poor 300-579
No Credit Not enough data to score

How to Refinance Your Student Loan

After choosing the student loan provider that offers the best refinance rates and terms for your needs, you will need to apply to refinance your loan. This is typically done online or with an agent over the phone. You will need your identification, Social Security number (SSN), and your current student loan information, including your account number and payoff amount.

You may also be asked for things like proof of graduation and current income. Having your finances in order makes the process go faster and increases your chances of getting a lower interest rate.

Federal student loan rates are fixed, which means they stay the same for the life of the loan. As such, you know exactly how much you'll have to pay each month. Refinancing may change that—especially if you get a variable rate loan. Variable rates will probably change whenever the Federal Reserve adjusts the Fed funds rate. You can expect to less if the Fed lowers interest rates. But you run the risk of paying more when rates rise.

Alternatives to Student Loan Refinancing

Student loan refinancing makes sense for some people. But, you may find that it isn't the right option for you. If you don't want to lose the benefits associated with your federal student loans, consider the following alternatives:

  • Consolidation: You may be able to consolidate all of your federal student loans into a single loan through the Direct Consolidation Loan. This program gives you a single payment and generally allows you to lower your monthly payment. Interest rates tend to be fixed and you won't give up your student loan benefits. Keep in mind that you may end up with a longer repayment period, which generally means paying more in interest over the life of the loan. There is no application fee for the program and it may not affect your credit score.
  • Change your new due date: Consider asking for changes to your loan, including your payment date. Consider syncing your due date to your payday, making it more convenient to make your loan payments on time.
  • Request a new repayment plan: Consider asking for a new repayment plan that can help you keep on track and provide you with a greater degree of flexibility. An income-driven repayment plan bases your monthly payment on how much you earn each month.
  • Ask for forbearance and deferment: These options can give you some temporary relief if you're going through a rough financial time and they won't impact your credit score. Keep in mind that interest continues to accrue when your payments are deferred or if you qualify for forbearance, and any missed payments are tacked on to the end of your loan.
  • Student loan forgiveness programs: You may qualify for student loan forgiveness through the Public Service Loan Forgiveness program. This applies to certain government and nonprofit employees and those who have a strong payment history.

Pros and Cons of Student Loan Refinancing

Pros

  • Lower interest rates

  • Lower monthly payments

  • One monthly payment

Cons

  • Loss of all federal benefits and protections

  • Terms may not be better after refinancing

  • You may end up paying more

Pros Explained

  • You may get a lower interest rate: Most people refinance their debt to get a better interest rate. If you wait until the right time and qualify, you may be able to get a better interest rate, which can lower the amount of money you pay on your student loan(s).
  • You may be able to lower your monthly payment: If you qualify for refinancing, you may be able to extend your loan terms. Spreading out your debt over a longer term means you'll end up with a lower monthly payment, putting more money back in your pocket.
  • You may end up with one easy-to-manage monthly payment: If you have multiple loans, this means you have to make one payment. Consolidating all of your federal student loans into one can make it easier to manage and budget each month.

Cons Explained

  • You could lose all federal benefits and protections: Federal student loans come with certain benefits and protections, including student loan forgiveness through the Public Service Loan Forgiveness. Depending on the type of loan, you may also qualify for the permanent disability discharge or the closed school discharge programs. If you refinance through a private lender, you lose access to all these options.
  • You may not qualify for better loan terms: You'll have to meet certain thresholds to get a better interest rate or term length—or to qualify for refinancing at all. Potential new lenders may consider you a credit risk, especially if you have a low credit score and/or are in a lower income level.
  • You may not save money in the end: Federal student loan rates tend to be fairly low. So, you may give that up if you refinance with a private lender for a variable interest rate and they rise. The same is true if you sign with a longer loan term: Your payments may be lower, but you may end up paying more in interest in the end.

How to Apply for Student Loan Refinancing

Make sure you understand all of the benefits and drawbacks of refinancing your student loans before you begin. This means doing your research and exploring any alternatives. Once you've decided that this is the right step for you, you may be wondering how you can apply for refinancing. Consider taking the following steps:

  1. Research and review all the lenders that make sense to you. Find out what their requirements are and what they have to offer. Make sure their loan terms and interest rates make sense to you, and what payment options may be available to you. It's also a good idea to read reviews from other borrowers and check their ratings on sites like the Better Business Bureau and Trustpilot. This can help you decide whether you qualify with certain lenders and which ones won't lend to you.
  2. Shop around. This is important once you've narrowed the list down to a few choices. Take a closer look at loan terms, interest rates, and whether you'll qualify for a fixed or variable rate. Consider fees that these lenders charge, such as loan fees, application fees, and origination fees as well as additional charges like late payment charges and prepayment penalties. Ask if they offer deferrals and loan modifications if you ever need help down the road. This can help you choose the right lender for your financial situation.
  3. Complete your loan application. Most lenders allow (and prefer) that you complete your loan application online. To avoid delays, make sure you have all of your information and any supporting documents you may need with you. This includes your personal information, Social Security number (SSN), photo ID, and information related to your studies, graduation, and current student loan. Since most lenders fund loans with direct deposit, be sure to have your account number and the bank's routing number handy, too.
  4. Sign your paperwork. Most lenders can approve your loan application on the same day. Others may take longer—anywhere from two days to a few weeks. This depends on the lender and the underwriting process. Your application may be delayed if you don't provide sufficient information to the lender. Once you've signed the loan agreement, your loan will likely be funded directly into your bank account.
  5. Begin making payments to your new lender. As with any other loan, your payments will likely be made automatically each month directly from your account. Remember to keep up to date with your payments to make sure that you do not default.

Why You Should Trust Us

Investopedia is dedicated to providing consumers with unbiased, comprehensive reviews of student loan lenders. We collected thousands of data points across 23 lenders, including loan types, interest rates, fees, loan amounts, and repayment terms, to ensure that we help readers make the right borrowing decision for their education needs. Investopedia launched in 1999 and has helped millions of readers around the world become educated on personal finance. We've been helping borrowers find the best student loan refinance options since 2020.

Frequently Asked Questions

  • Can You Refinance Federal Student Loans?

    While you can refinance federal student loans—and even combine them with your private student loans—there are some drawbacks to consider.

    When you refinance your federal education debt, you'll lose federal benefits and protections. For example, you'll no longer be eligible for income-driven repayment plans, Public Service Loan Forgiveness, or federal forbearance or deferment programs.

    Refinancing may be worth it if your goal is to save money, but think carefully about the downsides before submitting your loan application.

  • Should You Consider Refinancing Your Student Loan?

    Many people had to take out student loans to get a degree and want to know if they should consider refinancing their student loans. Before deciding, consider your needs and assess your current situation. Think about if it’s a good time to refinance and consider what your current rate is, if you could potentially qualify for a lower rate and if any fees will be involved. 

    However, it may make sense to hold off on refinancing your student loans if your income isn’t stable and your FICO score is low.

  • How Do You Refinance Student Loans?

    To refinance your student loans, apply for a loan from a private lender for the amount of your existing debt. Once approved, you can use the loan to pay off your old loans. You can refinance both federal and private student loans, consolidating them together. After that, you'll have just one loan to manage, with only one monthly payment to remember. 

  • Are There Any Downsides to Refinancing Student Loans?

    While you may get more favorable terms, there are some disadvantages that come with refinancing your student loans. For instance, you could lose any options for student loan forgiveness along with the grace period for federal student loans. If you get a variable rate loan, you stand the chance of paying a higher rate if they increase.

  • What Credit Score Do You Need to Refinance Your Student Loans?

    Not all lenders publicly list their minimum credit score requirements. Of the lenders that we looked at while researching this article (who disclose this information), Earnest has the lowest requirement. To qualify for a loan from Earnest, you'll need a minimum credit score of 650.

    You may still be able to qualify for a loan with a lower credit score if you have a cosigner on your application.

  • What's the Difference Between Student Loan Consolidation and Refinance?

    Student loan consolidation and student loan refinancing may sound similar, but they're very different terms.

    Although they're both loan payoff options, student loan consolidation refers to federal Direct Consolidation Loans. With a Direct Consolidation Loan, you can combine your eligible federal student loans. Repayment terms can be as long as 30 years, and your interest rate is based on the weighted average of your current interest rates.

    With student loan refinancing, you work with a private lender to take out a loan for the existing debt. When you refinance, you'll lose federal loan benefits. However, you can qualify for a lower interest rate and save money over time.

  • How Long Does It Take to Refinance Student Loans?

    That depends on several factors. Some lenders can approve you as soon as the same day while others may have more stringent lending conditions, which could take up to several weeks. To make the process go more smoothly and to avoid delays, make sure you have all your documents prepared.

  • Companies We Reviewed

    We researched and reviewed 23 lenders to find the best companies you see above on this list. While we write individual reviews for most companies, we do not always write reviews for companies we would not recommend. Below are the companies we researched along with links to individual company reviews to help you learn more before making a decision:

    Advantage Education Loans, Brazos, Citizens Bank, College Ave, Credible, Discover, Earnest, Education Loan Finance (ELFI), EDvestinU, Iowa Student Loan (ISL) Education Lending, Juno, Laurel Road, Lendkey, MEFA, MPower, NaviRefi, Navy Federal, Nelnet Bank (U-Fi), PenFed, PNC, Rhode Island Student Loan Authority, SoFi, Splash Financial

Guide to Student Loan Refinancing

*Prequalified rates are based on the information you provide and a soft credit inquiry. Receiving prequalified rates does not guarantee that the Lender will extend you an offer of credit. You are not yet approved for a loan or a specific rate. All credit decisions, including loan approval, if any, are determined by Lenders, in their sole discretion. Rates and terms are subject to change without notice. Rates from Lenders may differ from prequalified rates due to factors which may include, but are not limited to: (i) changes in your personal credit circumstances; (ii) additional information in your hard credit pull and/or additional information you provide (or are unable to provide) to the Lender during the underwriting process; and/or (iii) changes in APRs (e.g., an increase in the rate index between the time of prequalification and the time of application or loan closing. (Or, if the loan option is a variable rate loan, then the interest rate index used to set the APR is subject to increases or decreases at any time). Lenders reserve the right to change or withdraw the prequalified rates at any time.

Education expense or student loan refinance for post secondary education

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Article Sources
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