Is a 30-Year Student Loan Refinance Possible?

 July 1, 2022
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Refinance Student Loan rates starting at 2.49% APR

2.49% to 11.72% 1

Visit Lender

2.50% to 6.30% 2

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4.13% to 7.39% 3

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  • Variable APR

Unfortunately, no private lender currently offers a specific 30-year student loan refinance. However, if you’re looking to get a longer student loan term than the typical 10 years, there are some easy workarounds — including federal loan consolidation and consecutive refinances.

Let’s take a closer look at the pros and cons of extending your student loan’s term and what it means for you.

How to get a longer student loan term

In general, it’s best to pay off your student loans as fast as possible in order to save on interest. However, depending on your circumstances, you might need more flexibility than the typical 10-year term allows.

Getting a longer student loan term will usually lower your monthly payments — this can be especially helpful for those on a limited budget.

Here are three options to consider:

1. Consolidate your federal loans

2. Extend your federal loans

3. Refinance your private loans

Consolidate your federal loans

If you’re juggling multiple federal student loans, you may be able to consolidate some or all of them into a single direct consolidation loan.


One benefit to consolidating your federal loans is the ease and convenience of having just one loan to manage. Furthermore, you can select a loan term up to 30 years.

Most federal loans should still retain access to certain federal student loan benefits after consolidation, such as income-driven repayment plans.

However, consolidation may cause you to lose other loan-specific benefits, such as lender discounts or eligibility for the Perkins loan cancellation benefit. Furthermore, the clock for Public Service Loan Forgiveness (PSLF), as well as other forms of income-driven repayment forgiveness, will be reset when you consolidate direct loans. Because of this, it’s worth being selective on which loans you decide to consolidate.

Unfortunately, you can’t include private loans in any type of consolidation. However, certain consolidation plans may require you to list your total education debt, including private loans, in order to determine your repayment period.

Lastly, PLUS loans issued to parents to be used for their dependent student’s tuition can be consolidated with other PLUS loans — they just can’t be consolidated with the student’s separate federal loans.


There’s no fee associated with consolidating your federal loans. However, the unpaid interest on any loans you consolidate may be subject to capitalized interest.

Capitalized interest is when your loan’s unpaid interest is added to your new loan’s principal balance. Basically, this means you’ll be paying interest on the interest you previously owed. This can be one of the downsides to getting a direct consolidation loan.

The good news is that your new interest rate will remain fixed for the full term you select. It should remain close to what you were originally paying, since it’s calculated based on the weighted average of the consolidated loans.

Get an idea of your future payments by using our weighted average interest rate calculator.

Eligibility requirements

In order to consolidate your federal loans, you must meet the following criteria:

  • You have at least one federal direct loan or Federal Family Education Loan (FFEL) that has not been previously consolidated.
  • The loans you wish to consolidate are currently in grace, repayment or deferment mode. (For defaulted loans, you may have to make three consecutive monthly payments, or agree to sign up for an income-driven repayment (IDR) plan.)
  • You have left school or graduated, or have dropped below half-time status. Consolidation isn’t an option if you’re currently enrolled as a full-time student.
Direct consolidation loan
Pros Cons
  • One consistent monthly payment
  • Single loan provider
  • A longer repayment term (up to 30 years)
  • Access to federal loan benefits, such as income-driven repayment plans and Public Service Loan Forgiveness (PSLF), if your loans are outside the direct loan program
  • Could cost more interest than a standard 10-year plan
  • Capitalized interest
  • Carrying debt for a longer period of time
  • The payment history for PSLF resets with the new consolidated loan
  • Ineligibility for lender-specific benefits

To apply for a direct consolidation loan, head to the Federal Student Aid website. You’ll have the option to apply online, or to print and mail in a paper application.

Extend your federal loans

If you’re feeling unsure about meeting the monthly payments of a standard 10-year student loan, another option is applying for an extended repayment plan.


The extended repayment plan was designed for those who are carrying a large amount of student debt — it can extend your loan’s term up to 25 years.

In general, this plan can help reduce your monthly payment, although you may end up paying more accrued interest over the long term.

It’s important to note that any payments made on the extended repayment plan are not eligible for the PSLF program.


There are no fees associated with opting for the extended repayment plan, and your payments will remain the same throughout the loan’s full life. Remember, though, that the accrued interest will likely be much higher than going with a standard 10-year loan term.

Eligibility requirements

Any of the following loans are eligible for an extended repayment plan:

  • Direct loans (subsidized and unsubsidized)
  • Federal Stafford loans (subsidized and unsubsidized)
  • PLUS loans
  • Consolidated loans (direct or FFEL)

For direct loan borrowers, you’ll need to have a current balance of $30,000 or higher in order to apply.

Extended repayment plan
Pros Cons
  • A lower monthly payment
  • Payments remain the same over the loan’s duration
  • Longer repayment time
  • Could accrue more interest than a standard 10-year plan
  • Staying in debt for a longer period of time
  • Payments on this program are ineligible for PSLF

To apply for an extended repayment plan, contact your loan’s servicer.

Refinance your private loans

Another popular option is to find a lender who offers a 15-, 20- or 25-year student loan refinance. This is mostly useful for private student loans, as refinancing federal loans comes with risks (to be discussed below).


The real advantage to refinancing your student loans is the opportunity to hopefully lock in a lower interest rate. This, along with extending the loan’s term, can greatly reduce your monthly payments.

For example, a private lender such as Splash Financial offers annual percentage rates (APRs) as low as 2.59% and 2.49%. In comparison, the interest rate for a PLUS loan disbursed on or after July 1, 2022, was 7.54%.

Most refinance lenders offer loan terms from five to 20 years. You can also consider doing multiple refinances, such as starting with a 10-year plan, and then when it’s near its maturation, refinance for another 10- or 20-year term. This is a great way to potentially switch to a lower interest rate while getting a 30-year student loan.

Although you can refinance federal loans too, it’s generally not recommended to do so. Once you refinance a federal loan, you’ll lose access to all associated federal benefits, such as IDR and student loan forgiveness programs.


The good news is that student loan refinancing is free. That’s right — reputable private lenders don’t charge any application or origination fees. They usually don’t impose prepayment penalties either.

You’ll have to decide whether you want to go with a variable or fixed interest rate. Both options are offered by private lenders, whereas fixed interest rates are your only choice with a federal loans.

Eligibility requirements

Lenders often want to see a credit score of 650 or higher for a student loan refinance. If your credit score is low, you can consider adding a cosigner who meets the lender’s requirements.

The lender may also require the following documents:

  • Photo ID
  • Social security number
  • Proof of income
  • Statements for all your student loans
Student loan refinancing
Pros Cons
  • Access to lower interest rates (with good credit)
  • A lower monthly payments
  • An extended term length
  • Ineligibility for federal benefits (when refinancing federal loans)
  • Variable interest rates may change
  • Might need a cosigner to qualify

4 refinance lenders that offer longer loan terms

Here are some lenders who offer 20- and 25-year student loan refinances.

It’s important to research which loan term is right for you to avoid paying too much in interest. You should also try using our student loan refinancing calculator to compare your available options.

Lender Fixed rate (APR) Variable rate (APR) Maximum loan term (years)
Nelnet Bank 3.49% – 7.44% 2.69% – 9.20% 25 years
Splash Financial 2.59% – 8.49% 2.49% – 11.52% 25 years
SoFi 3.99% – 8.24% 3.24% – 8.24% 20 years
Earnest 3.74% – 8.49% 2.49% – 7.99% 20 years

If you’re ready to move forward, here are some easy steps for refinancing your student loans.

Alternatives to a longer student loan term

If you’re looking for even more ways to lower your student loan payments, here are some options to consider:

Short-term refinances

Private lenders typically save their lowest interest rates for those who pick a shorter loan term. Of course, this usually comes with a higher monthly payment — but if you can manage it, you’d be able to wipe away that debt in much less time.

However, a short-term refinance often comes with stricter criteria, such as a high credit score and reliable source of income. If you don’t meet the requirements, you can always consider adding a cosigner who does.

Refinancing to a lower rate

Refinancing doesn’t need to be about getting a longer term. If you focus on boosting your credit score, you might be able to get a lower interest rate with each new refinance, even if you keep the length of the loan the same.

Remember, refinancing your student loans is free, so there’s no harm in changing provider’s when you spot a better interest rate. Here are 5 pro tips to find the lowest student loan interest rate for you.

Income-driven repayment plans

Applying for an income-driven repayment (IDR) plan can be an excellent way to reduce your monthly payments. It can also extend your loan’s term up to 20 or 25 years.

These programs can be especially beneficial for those who earn relatively low incomes, are currently unemployed or are experiencing financial hardship.

You have four IDR plans to consider:

  • Income-Based Repayment (IBR): You’ll typically pay 10% or 15% of your discretionary income, depending on when your loans were issued.
  • Income-Contingent Repayment (ICR): The lesser of a) 20% of your discretionary income, or b) what you’d be expected to pay on a 12-year income-adjusted repayment plan.
  • Pay As You Earn (PAYE): Generally 10% of your discretionary income, limited to what you’d be expected to pay on a standard 10-year student loan plan.
  • Revised Pay As You Earn (REPAYE): Usually 10% of your discretionary income.

The best part: All four plans are eligible for student loan forgiveness at the end of the repayment period.

If you want to crunch some numbers, try our income-based repayment calculator to get an idea of how an IDR plan can change your monthly payments.

Deferment or forbearance

If you’re experiencing any type of hardship, you can consider temporarily pausing payments with deferment or forbearance. (And in fact, all federally held student loans were offered automatic forbearance starting in 2020, as part of relief measures due to the coronavirus pandemic.)

Both options are available for federal student loans, as long as your loans aren’t in default. Typically, private lenders don’t offer deferment or forbearance, although some may have similar programs for extreme times of need.

Here are the main differences between deferment and forbearance:

  • Deferment: Monthly payments are temporarily paused for federal loans for a period of six months to three years, depending on the type of deferment. Generally, the interest on subsidized federal loans doesn’t accrue during this time. However, the interest on all other federal loans does accrue and may be added to the loan’s principal balance as capitalized interest.
  • Forbearance: Payments are temporarily postponed or reduced for up to twelve months for federal loans. Interest does keep accruing, regardless of the loan type, and will be added to the loan’s principal at the end of the forbearance period.

There are different types of deferment and forbearance plans available, depending on your current situation. You can apply directly through your student loan servicer, who will outline the specific requirements for each plan.

Just remember, it’s generally better to go with an IDR plan versus deferment or forbearance in order to avoid paying extra in accumulated interest.

Graduate repayment plan

You also have the option of doing a graduated repayment plan. Basically, your monthly payments start off low, then slowly increase approximately every two years. This is an ideal choice if you envision earning more down the road.

The graduated repayment plan offers a standard 10-year term; however, if it’s combined with a direct consolidation loan, you could extend it up to 30 years.

Lender discounts

Many loan providers offer a discount of 0.25 percentage points when you sign up for student loan autopay. Although this doesn’t sound like huge savings and might not lower your payments as much as a 30-year loan term would, it can definitely add up.

Let’s say you have a $30,000 loan with a 6% interest rate. You could potentially save $450 over a 10-year period by dropping that rate to 5.75%. Trying playing with the numbers on our student loan repayment calculator.

Some lenders also offer loyalty discounts. For example, Citizens Bank may lower interest rates by 0.25 percentage points for borrowers if they or their cosigner(s) have a qualifying account with them. Combine this with its 0.25-percentage-point discount for autopay and you could potentially reduce your interest rate by 0.50 percentage points.

FAQs: Student loan refinancing

How can I spread my student loan payments over a 30-year period?

If you have federal loans, you can do a direct loan consolidation and select a 30-year repayment term. Alternatively, you can do consecutive refinances, first selecting a 10-year term, and then a 20-year term. Keep in mind that some private lenders allow a 20- or 25-year student loan refinance — not exactly 30 years, but still pretty close.

Do student loans automatically go away after 30 years?

In general, the only way to make federal student loans disappear is to keep up with regular payments. After 20 to 25 years, you can apply to have your federal loans forgiven if you’ve been enrolled in an income-driven plan.

There are several other student loan forgiveness programs to consider, such as the Public Service Loan Forgiveness program and the Teacher Loan Forgiveness program.

What is the longest term available for a student loan refinance?

You can get a 25-year student loan refinance with Nelnet Bank and Splash Financial, and there may be other lenders out there with this option. Most, however, typically offer 5- to 20-year student loan refinances.

Interested in refinancing student loans?

Here are the top 9 lenders of 2022!
LenderVariable APREligible Degrees 
2.49% – 11.72%1Undergrad
& Graduate

Visit Splash

2.50% – 6.30%2Undergrad
& Graduate

Visit Laurel Road

4.13% – 7.39%3Undergrad
& Graduate

Visit Lendkey

2.49% – 7.99%4Undergrad
& Graduate

Visit Earnest

2.49% – 7.99%5Undergrad
& Graduate

Visit NaviRefi

3.24% – 8.24%6Undergrad
& Graduate

Visit SoFi

2.48% – 7.98%Undergrad
& Graduate

Visit Elfi

1.74% – 7.99%7Undergrad
& Graduate

Visit Purefy

3.69% – 9.92%8Undergrad
& Graduate

Visit Citizens

Check out the testimonials and our in-depth reviews!
1 Important Disclosures for Splash Financial.

Splash Financial Disclosures

Terms and Conditions apply. Splash reserves the right to modify or discontinue products and benefits at any time without notice. Rates and terms are also subject to change at any time without notice. Offers are subject to credit approval. To qualify, a borrower must be a U.S. citizen or permanent resident in an eligible state and meet applicable underwriting requirements. Not all borrowers receive the lowest rate. Lowest rates are reserved for the highest qualified borrowers. If approved, your actual rate will be within a range of rates and will depend on a variety of factors, including term of loan, a responsible financial history, income and other factors. Refinancing or consolidating private and federal student loans may not be the right decision for everyone. Federal loans carry special benefits not available for loans made through Splash Financial, for example, public service loan forgiveness and economic hardship programs, fee waivers and rebates on the principal, which may not be accessible to you after you refinance. The rates displayed may include a 0.25% autopay discount.

The information you provide to us is an inquiry to determine whether we or our lenders can make a loan offer that meets your needs. If we or any of our lending partners has an available loan offer for you, you will be invited to submit a loan application to the lender for its review. We do not guarantee that you will receive any loan offers or that your loan application will be approved. Offers are subject to credit approval and are available only to U.S. citizens or permanent residents who meet applicable underwriting requirements. Not all borrowers will receive the lowest rates, which are available to the most qualified borrowers. Participating lenders, rates and terms are subject to change at any time without notice.

To check the rates and terms you qualify for, Splash Financial conducts a soft credit pull that will not affect your credit score. However, if you choose a product and continue your application, the lender will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit pull and may affect your credit.

Splash Financial and our lending partners reserve the right to modify or discontinue products and benefits at any time without notice. To qualify, a borrower must be a U.S. citizen and meet our lending partner’s underwriting requirements. Lowest rates are reserved for the highest qualified borrowers. This information is current as of September 6, 2022.

2 Important Disclosures for Laurel Road.

Laurel Road Disclosures

All credit products are subject to credit approval.

Laurel Road began originating student loans in 2013 and has since helped thousands of professionals with undergraduate and postgraduate degrees consolidate and refinance more than $9 billion in federal and private school loans. Laurel Road also offers a suite of online graduate school loan products and personal loans that help simplify lending through customized technology and personalized service. In April 2019, Laurel Road was acquired by KeyBank, one of the nation’s largest bank-based financial services companies. Laurel Road is a brand of KeyBank National Association offering online lending products in all 50 U.S. states, Washington, D.C., and Puerto Rico. All loans are provided by KeyBank National Association, a nationally chartered bank. Member FDIC. For more information, visit

As used throughout these Terms & Conditions, the term “Lender” refers to KeyBank National Association and its affiliates, agents, guaranty insurers, investors, assigns, and successors in interest.

  1. Checking your rate with Laurel Road only requires a soft credit pull, which will not affect your credit score. To proceed with an application, a hard credit pull will be required, which may affect your credit score.
  2. Savings vary based on rate and term of your existing and refinanced loan(s). Refinancing to a longer term may lower your monthly payments, but may also increase the total interest paid over the life of the loan. Refinancing to a shorter term may increase your monthly payments, but may lower the total interest paid over the life of the loan. Review your loan documentation for total cost of your refinanced loan.
  3. After loan disbursement, if a borrower documents a qualifying economic hardship, we may agree in our discretion to allow for full or partial forbearance of payments for one or more 3-month time periods (not to exceed 12 months in the aggregate during the term of your loan), provided that we receive acceptable documentation (including updating documentation) of the nature and expected duration of the borrower’s economic hardship. During any period of forbearance interest will continue to accrue. At the end of the forbearance period, any unpaid accrued interest will be capitalized and be added to the remaining principle amount of the loan.
  4. Automatic Payment (“AutoPay”) Discount: if the borrower chooses to make monthly payments automatically from a bank account, the interest rate will decrease by 0.25% and will increase back if the borrower stops making (or we stop accepting) monthly payments automatically from the borrower’s bank account. The 0.25% AutoPay discount will not reduce the monthly payment; instead, the discount is applied to the principal to help pay the loan down faster.

Assumptions: Repayment examples above assume a loan amount of $10,000 with repayment beginning immediately following disbursement. Repayment examples do not include the 0.25% AutoPay Discount.

Annual Percentage Rate (“APR”): This term represents the actual cost of financing to the borrower over the life of the loan expressed as a yearly rate.

Interest Rate: A simple annual rate that is applied to an unpaid balance.

Variable Rates: The current index for variable rate loans is derived from the one-month London Interbank Offered Rate (“LIBOR”) and changes in the LIBOR index may cause your monthly payment to increase. Borrowers who take out a term of 5, 7, or 10 years will have a maximum interest rate of 9%, those who take out a 15 or 20-year variable loan will have a maximum interest rate of 10%.


This information is current as of April 29, 2021. Information and rates are subject to change without notice.

3 Important Disclosures for LendKey.

LendKey Disclosures

Refinancing via is only available for applicants with qualified private education loans from an eligible institution. Loans that were used for exam preparation classes, including, but not limited to, loans for LSAT, MCAT, GMAT, and GRE preparation, are not eligible for refinancing with a lender via If you currently have any of these exam preparation loans, you should not include them in an application to refinance your student loans on this website. Applicants must be either U.S. citizens or Permanent Residents in an eligible state to qualify for a loan. Certain membership requirements (including the opening of a share account and any applicable association fees in connection with membership) may apply in the event that an applicant wishes to accept a loan offer from a credit union lender. Lenders participating on reserve the right to modify or discontinue the products, terms, and benefits offered on this website at any time without notice. LendKey Technologies, Inc. is not affiliated with, nor does it  endorse,  any educational institution.

Subject to floor rate and may require the automatic payments be made from a checking or savings account with the lender. The rate reduction will be removed and the rate will be increased by 0.25% upon any cancellation or failed collection attempt of the automatic payment and will be suspended during any period of deferment or forbearance. As a result, during the forbearance or suspension period, and/or if the automatic payment is canceled, any increase will take the form of higher payments. The lowest advertised variable APR is only available for loan terms of  5 years and is reserved for applicants with FICO scores of at least 810.

As of 09/09/2022 student loan refinancing rates range from 4.13% APR – 7.39% Variable APR with AutoPay and 2.99% APR – 9.93% Fixed APR with AutoPay.

4 Rate range above includes optional 0.25% Auto Pay discount. Important Disclosures for Earnest.

Earnest Disclosures

You can choose between fixed and variable rates. Fixed interest rates are 3.99% – 8.74% APR (3.74% – 8.49% APR with Auto Pay discount). Starting variable interest rates are 2.74% APR to 8.24% APR (2.49% – 7.99% APR with Auto Pay discount). Variable rates are based on an index, the 30-day Average Secured Overnight Financing Rate (SOFR) plus a margin. Variable rates are reset monthly based on the fluctuation of the index. We do not currently offer variable rate loans in AK, CO, CT, HI, IL, KY, MA, MN, MS, NH, OH, OK, SC, TN, TX, and VA.

5 Important Disclosures for Navient.

Navient Disclosures

You can choose between fixed and variable rates. Fixed interest rates are 3.99% – 8.74% APR (3.74% – 8.49% APR with Auto Pay discount). Starting variable interest rates are 2.74% APR to 8.24% APR (2.49% – 7.99% APR with Auto Pay discount). Variable rates are based on an index, the 30-day Average Secured Overnight Financing Rate (SOFR) plus a margin. Variable rates are reset monthly based on the fluctuation of the index. We do not currently offer variable rate loans in AK, CO, CT, HI, IL, KY, MA, MN, MS, NH, OH, OK, SC, TN, TX, and VA.

6 Important Disclosures for SoFi.

SoFi Disclosures

Fixed rates range from 3.99% APR to 8.24% APR with a 0.25% autopay discount. Variable rates from 3.24% APR to 8.24% APR with a 0.25% autopay discount. Unless required to be lower to comply with applicable law, Variable Interest rates on 5-, 7-, and 10-year terms are capped at 8.95% APR; 15- and 20-year terms are capped at 9.95% APR. Your actual rate will be within the range of rates listed above and will depend on the term you select, evaluation of your creditworthiness, income, presence of a co-signer and a variety of other factors. Lowest rates reserved for the most creditworthy borrowers. For the SoFi variable-rate product, the variable interest rate for a given month is derived by adding a margin to the 30-day average SOFR index, published two business days preceding such calendar month, rounded up to the nearest one hundredth of one percent (0.01% or 0.0001). APRs for variable-rate loans may increase after origination if the SOFR index increases. The SoFi 0.25% autopay interest rate reduction requires you to agree to make monthly principal and interest payments by an automatic monthly deduction from a savings or checking account. This benefit will discontinue and be lost for periods in which you do not pay by automatic deduction from a savings or checking account. The benefit lowers your interest rate but does not change the amount of your monthly payment. This benefit is suspended during periods of deferment and forbearance. Autopay is not required to receive a loan from SoFi.

7 Important Disclosures for Purefy.

Purefy Disclosures

Purefy Student Loan Refinancing Rate and Terms Disclosure: Annual Percentage Rates (APR) ranges and examples are based on information provided to Purefy by lenders participating in Purefy’s rate comparison platform. For student loan refinancing, the participating lenders offer fixed rates ranging from 2.73% – 7.99% APR, and variable rates ranging from 1.74% – 7.99% APR. The maximum variable rate is 25.00%. Your interest rate will be based on the lender’s requirements. In most cases, lenders determine the interest rates based on your credit score, degree type and other credit and financial criteria. Only borrowers with excellent credit and meeting other lender criteria will qualify for the lowest rate available. Rates and terms are subject to change at any time without notice. Terms and conditions apply.  

8 Important Disclosures for Citizens.

CitizensBank Disclosures

Education Refinance Loan Rate Disclosure: Variable interest rates range from 3.69%-9.92% (3.69%-9.92% APR). Fixed interest rates range from  4.49%-10.11% (4.49%-10.11% APR). 

Undergraduate Rate Disclosure: Variable interest rates range from 6.39%- 9.60% (6.39% – 9.60% APR). Fixed interest rates range from 6.58% – 9.79% (6.58% – 9.79% APR).

Graduate Rate Disclosure: Variable interest rates range from 3.69% – 9.16% (3.69% – 9.16% APR). Fixed interest rates range from 4.49% – 9.35% (4.49% – 9.35% APR).

Education Refinance Loan for Parents Rate Disclosure: Variable interest rates range from 3.69%- 9.09% (3.69%- 9.09% APR). Fixed interest rates range from 4.49% – 9.28% (4.49% – 9.28% APR).

Medical Residency Refinance Loan Rate Disclosure: Variable interest rates range from 3.69% – 9.16% (3.69% – 9.16% APR). Fixed interest rates range from 4.49% – 9.35% (4.49% – 9.35% APR).