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Student Loan Refinancing

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Student loan refinancing saves you money by replacing your existing college debt with a new, lower-rate loan through a private lender. To qualify, you need credit scores at least in the high 600s — ideally higher — and a steady income. If you fall short on either, you might need a co-signer who qualifies.

If you have private loans only, refinancing is the best way to reduce your payments.

Federal student loan borrowers may refinance as well, but those with poor credit or who struggle to make payments should investigate government income-driven repayment plans.

Frequently Asked Questions

Refinance lender details and reviews

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