Top Lenders to Consolidate and Refinance Parent PLUS Loans

refinance-parent-plus-loans

We’ve written a lot about how college graduates can pay off their student loans faster or even refinance their loans. Now, we want to give some much needed airtime to parents. There’s a population of student loan borrowers that’s often not talked about: Parent PLUS loan borrowers.

Parent PLUS loans are taken out by parents to pay for their children’s education and come with a pretty hefty interest rate, which is currently at 7.21%. We hear a lot about how college graduates are affected by student loan debt, but not as much about how Parent PLUS loans affect parents.

Currently, there are 3 million Parent PLUS loan borrowers with a total of $62 billion in debt. Parent PLUS loans aren’t eligible for income-based repayment or forgiveness. Dealing with high debt loads and a high interest rate with parents nearing retirement age can be a tough combination.

Luckily, relief is on the way. Many banks are starting to offer refinancing for Parent PLUS loan borrowers — big news, considering that parents could potentially save thousands of dollars in interest through refinancing.

Through refinancing, parents are eligible to get a better interest rate and not be stuck at the higher-than-average rate of 7.21%. Parent PLUS borrowers are typically attractive candidates for refinancing because they have a longer credit history and tend to have stable employment. Refinancing can be a great option for Parent PLUS borrowers to save money on interest.

Here are the top five banks for refinancing Parent PLUS loans:

1. SoFi

SoFi is changing the lending landscape. It originally started out with standard student loan refinancing and now has options to refinance Parent PLUS loans. In addition, it also offers personal loans and mortgage refinancing. It offers some interesting perks and support for borrowers as well.

Details:

  • Refinancing and consolidation of private and federal student loans
  • Must have completed an eligible undergraduate or graduate degree program
  • Available for both undergraduate and graduate school student loans
  • 2.79% APR to 6.72% APR (with autopay) variable rates, capped at 8.95% to 9.95% APR
  • 3.35% APR to 6.74% APR (with autopay) fixed rates
  • 5, 7, 10, 15, 20 year repayment terms
  • No origination fees or prepayment penalties
  • Unemployment protection – loan payments are paused and they help find new job
  • Career support – complimentary coaching for SoFi members
  • Entrepreneur program – qualified applicants can receive loan deferrals and mentorship
  • Important Disclosures

    SoFi Disclosures

    1. Terms and Conditions Apply: SOFI RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS AND BENEFITS AT ANY TIME WITHOUT NOTICE. To qualify, a borrower must be a U.S. citizen or permanent resident in an eligible state and meet SoFi’s underwriting requirements. Not all borrowers receive the lowest rate. To qualify for the lowest rate, you must have a responsible financial history and meet other conditions. If approved, your actual rate will be within the range of rates listed above and will depend on a variety of factors, including term of loan, a responsible financial history, years of experience, income and other factors. Rates and Terms are subject to change at anytime without notice and are subject to state restrictions. SoFi refinance loans are private loans and do not have the same repayment options that the federal loan program offers such as Income Based Repayment or Income Contingent Repayment or PAYE. Licensed by the Department of Business Oversight under the California Finance Lender Law License No. 6054612. SoFi loans are originated by SoFi Lending Corp., NMLS # 1121636.  (www.nmlsconsumeraccess.org)
    2. Student Loan Refinance: Fixed rates from 3.35% APR to 6.74% APR (with AutoPay). Variable rates from 2.79% APR to 6.72% APR (with AutoPay). SoFi rate ranges are current as of July 1, 2017 and are subject to change without notice. Interest rates on variable rate loans are capped at either 8.95% or 9.95% depending on term of loan. Lowest variable rate of 2.79% APR assumes current 1 month LIBOR rate of 1.22% plus 1.57% margin minus 0.25% ACH discount. Not all borrowers receive the lowest rate. If approved for a loan, the fixed or variable interest rate offered will depend on your creditworthiness, and the term of the loan and other factors, and will be within the ranges of rates listed above. For the SoFi variable rate loan, the 1-month LIBOR index will adjust monthly and the loan payment will be re-amortized and may change monthly. APRs for variable rate loans may increase after origination if the LIBOR 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. The benefit will discontinue and be lost for periods in which you do not pay by automatic deduction from a savings or checking account.
    3. Lifetime Savings Disclaimer: ​**​Member Lifetime Savings – Average member lifetime savings calculation of $22,359 is based on all SoFi members who refinanced their student loans between 8/16/2012 and 6/30/2016. The savings calculation is derived by taking the estimated lifetime cost of existing student loans minus the lifetime cost of SoFi loans upon refinancing for SoFi members who refinanced their student loans. SoFi’s lifetime savings methodology for student loan refinancing assumes 1) members’ interest rates do not change over time (PROJECTIONS FOR VARIABLE RATES ARE STATIC AT THE TIME OF REFINANCING AND DO NOT REFLECT ACTUAL MOVEMENT OF RATES IN THE FUTURE) 2) members make all payments on time 3) members make monthly payments for the full duration of their loan 4) members take advantage of AutoPay, which enables them to lower the APR of their loan by 0.25%. SoFi’s average savings methodology for student loan refinancing excludes refinancings in which 1) members elect SoFi loans with longer maturity than their existing student loans 2) the term length of the member’s original student loan(s) is greater is than 30 years 3) the member did not provide correct or complete information regarding his or her outstanding balance, loan type, APR, or current monthly payment. SoFi excludes the above refinancings in an effort to maximize transparency on how we calculate our average lifetime savings amount and to minimize the risk of member data error skewing the average lifetime savings amount.
Learn More About SoFi

2. CommonBond

Do you want your refinancing with a side of philanthropy? CommonBond might be the best option for you. For each fully funded loan through CommonBond, the bank will fund the education of a student abroad for one year through its partner, Pencils of Promise. It also offers a unique approach to interest rates, offering fixed rates, and variable and hybrid rates.

Details:

  • Refinancing and consolidation of private and federal student loans
  • Available for undergraduate, graduate, and Parent PLUS student loans
  • 2.79% - 6.72% APR variable rate refinancing (with autopay)
  • 3.35% - 6.74% APR fixed rate refinancing (with autopay)
  • 3.81% – 6.25% APR hybrid rate refinancing (with autopay)
  • 5, 7, 10, 15, 20 Year Repayment Terms
  • 0.25% Interest Rate Reduction with automatic payments via ACH
  • Unemployment protection – loan payments are paused and it helps eligible graduates find new jobs and also hire them for short-term consulting projects
  • Access to CommonBond Community – Borrowers are connected to events in their cities, networking opportunities, and lifestyle perks
  • Social good – for every fully funded degree through CommonBond, it funds the education of a student in need abroad for a year through Pencils of Promise
  • No application, origination or disbursement fees
Learn More About CommonBond

3. Laurel Road

Laurel Road focuses on refinancing MBA, law, medical, and engineering degrees, among others. It also offers refinancing for Parent PLUS loans and states that a borrower with $100,000 could save more than $15,000 over the life of a 10-year loan.

Details:

  • Refinancing and consolidation of private and federal student loans
  • Must be an alumni of a bachelors or graduate degree program (e.g. MBA, Law, post-residency Medical/Dental, Physician Assistant, Advanced Degree Nursing, Pharmacist, Engineering, PhD, etc.) who meet the underwriting criteria
  • Laurel Road also offers parents of Bachelor degree holders the opportunity to refinance student loans they took out to finance their child’s education as long as their child has graduated and is working. Parents can refinance Parent PLUS loans in their own name or their child’s name.
  • 2.99% - 6.42% (with autopay) variable rates
  • 3.95% - 6.99% (with autopay) fixed rates
  • 5, 7, 10, 15, 20 year repayment terms
  • Maximum variable rates capped at 9% for 5-10 year terms. For greater than 10 year term, maximum rate cap is 10% APR
  • No origination fee or prepayment penalty
  • .25% Interest Rate Reduction with automatic payments via ACH
Learn More About Laurel Road

4. Citizens Bank

Citizens Bank offers the Education Refinance Loan for federal and private student loans as well as Parent PLUS loans. If you’ve already consolidated your loan, you can still refinance with Citizens Bank for a better rate. You can refinance Parent PLUS loans with one of the oldest financial services firms in the United States.

Details:

  • Limited-time offer!
    Save up to $500
    when you refinance your student loans with Citizens Bank between 9/5/17 and 10/15/17.*
  • Refinancing and consolidation of federal and private student loans with an Education Refinance Loan® from Citizens Bank®1
  • Citizens Bank private student loan customers have saved an average of 15842
  • Fixed rate student loan refinancing featuring an interest rate as low as 3.74%4 APR to 8.24% APR (with autopay)4 for eligible candidates3
  • Variable interest rates range from 2.78% APR - 8.13%4 APR (with autopay)4 and will fluctuate over the term of your loan with changes in the LIBOR rate3
  • 5, 10, 15, 20 year repayment term options
  • Loyalty Discount: 0.25 percentage point interest rate reduction on a new Education Refinance Loan if you or your co-signer (if applicable) has a qualifying account in existence with us at the time of application4
  • Automatic Payment Discount: 0.25 percentage point interest rate reduction by authorizing our loan servicer to automatically deduct your payments each month from any bank account4
  • Co-signer Release: Co-signer may be released from loan responsibility after making 36 consecutive, on-time principal and interest payments5
  • No application, origination or disbursement fees
  • Minimum Loan to Refinance: $10,000
  • (See disclosure and repayment examples)
  • Important Disclosures

    Citizens Bank Disclosures

    1. Education Refinance Loan Rate Disclosure: Variable rate, based on the one-month London Interbank Offered Rate (“LIBOR”) published in The Wall Street Journal on the twenty-fifth day, or the next business day, of the preceding calendar month. As of August 1, 2017, the one-month LIBOR rate is 1.23%. Variable interest rates range from 2.78%- 8.13% (2.78%-8.13% APR) and will fluctuate over the term of the borrower’s loan with changes in the LIBOR rate, and will vary based on applicable terms, level of degree earned and presence of a co-signer. Fixed interest rates range from 3.74%-8.24% (3.74% – 8.24% APR) based on applicable terms, level of degree earned and presence of a co-signer. Lowest rates shown are for eligible applicants, require a 5-year repayment term and include our Loyalty discount and Automatic Payment discounts of 0.25 percentage points each, as outlined in the Loyalty and Automatic Payment Discount disclosures. The maximum variable rate on the Education Refinance Loan is the greater of 21.00% or Prime Rate plus 9.00%. Subject to additional terms and conditions, and rates are subject to change at any time without notice. Such changes will only apply to applications taken after the effective date of change. Please note: Due to federal regulations, Citizens Bank is required to provide every potential borrower with disclosure information before they apply for a private student loan. The borrower will be presented with an Application Disclosure and an Approval Disclosure within the application process before they accept the terms and conditions of their loan.
    2. Federal Loan vs. Private Loan Benefits: Some federal student loans include unique benefits that the borrower may not receive with a private student loan, some of which we do not offer with the Education Refinance Loan. Borrowers should carefully review their current benefits, especially if they work in public service, are in the military, are currently on or considering income based repayment options or are concerned about a steady source of future income and would want to lower their payments at some time in the future. When the borrower refinances, they waive any current and potential future benefits of their federal loans and replace those with the benefits of the Education Refinance Loan. For more information about federal student loan benefits and federal loan consolidation, visit http://studentaid.ed.gov/. We also have several resources available to help the borrower make a decision at http://www.citizensbank.com/EdRefinance, including Should I Refinance My Student Loans? and our FAQs. Should I Refinance My Student Loans? includes a comparison of federal and private student loan benefits that we encourage the borrower to review.
    3. Citizens Bank Education Refinance Loan Eligibility: Eligible applicants may not be currently enrolled, must be in repayment of their existing student loan(s) and must make the minimum number of payments after leaving school. Primary borrowers must be a U.S. citizen, permanent resident or resident alien with a valid U.S. Social Security Number residing in the United States. Resident aliens must apply with a co-signer who is a U.S. citizen or permanent resident. The co-signer (if applicable) must be a U.S. citizen or permanent resident with a valid U.S. Social Security Number residing in the United States. For applicants who have not attained the age of majority in their state of residence, a co-signer will be required. Citizens Bank reserves the right to modify eligibility criteria at anytime. Interest rate ranges subject to change. Education Refinance Loans are subject to credit qualification, completion of a loan application/consumer credit agreement, verification of application information, certification of borrower’s student loan amount(s) and highest degree earned.
    4. Loyalty Discount Disclosure: The borrower will be eligible for a 0.25 percentage point interest rate reduction on their loan if the borrower or their co-signer (if applicable) has a qualifying account in existence with us at the time the borrower and their co-signer (if applicable) have submitted a completed application authorizing us to review their credit request for the loan. The following are qualifying accounts: any checking account, savings account, money market account, certificate of deposit, automobile loan, home equity loan, home equity line of credit, mortgage, credit card account, or other student loans owned by Citizens Bank, N.A. Please note, our checking and savings account options are only available in the following states: CT, DE, MA, MI, NH, NJ, NY, OH, PA, RI, and VT and some products may have an associated cost. This discount will be reflected in the interest rate disclosed in the Loan Approval Disclosure that will be provided to the borrower once the loan is approved. Limit of one Loyalty Discount per loan and discount will not be applied to prior loans. The Loyalty Discount will remain in effect for the life of the loan.
    5. Automatic Payment Discount Disclosure: Borrowers will be eligible to receive a 0.25 percentage point interest rate reduction on their student loans owned by Citizens Bank, N.A. during such time as payments are required to be made and our loan servicer is authorized to automatically deduct payments each month from any bank account the borrower designates. Discount is not available when payments are not due, such as during forbearance. If our loan servicer is unable to successfully withdraw the automatic deductions from the designated account three or more times within any 12-month period, the borrower will no longer be eligible for this discount.
    6. Co-signer Release: Borrowers may apply for co-signer release after making 36 consecutive on-time payments of principal and interest. For the purpose of the application for co-signer release, on-time payments are defined as payments received within 15 days of the due date. Interest only payments do not qualify. The borrower must meet certain credit and eligibility guidelines when applying for the co-signer release. Borrowers must complete an application for release and provide income verification documents as part of the review. Borrowers who use deferment or forbearance will need to make 36 consecutive on-time payments after reentering repayment to qualify for release. The borrower applying for co-signer release must be a U.S. citizen or permanent resident. If an application for co-signer release is denied, the borrower may not reapply for co-signer release until at least one year from the date the application for co-signer release was received. Terms and conditions apply.
    7. Average savings based on 57,772 actual customers who refinanced their federal and private student loans through our Education Refinance Loan between January 6, 2014 and January 31, 2017. The borrower’s savings might vary based on the interest rates, balances and remaining repayment term of the loans they are seeking to refinance. The borrower’s overall repayment amount may be higher than the loans they are refinancing even if their monthly payments are lower.
    8. * Principal Balance Reduction Offer: Offer available from 9/5/17 – 10/15/17. To qualify for the offer, the borrower and co-signer (if applicable) must submit a completed application between 9/5/17 and 10/15/17, including authorizing us to review the credit request for an Education Refinance Loan. Qualified borrowers will receive a reduction in their principal balance equal to one percent (1%) of the disbursed loan amount or $500.00, whichever is less. The Education Refinance Loan must be active and in good standing at the time the Principal Balance Reduction Benefit is applied. Only one Principal Balance Reduction Benefit is allowed per applicant. Principal reduction will be applied with an effective date equal to the loan’s disbursement date. Principal reduction may take up to 2nd billing cycle to display on monthly statement. The Principal Balance Reduction Benefit will be processed as a reduction of principal to the Education Refinance Loan and will not impact the required monthly payment amount or the payment due date for the loan. The value of the Principal Balance Reduction Benefit may be reported to the IRS. You are solely responsible for any taxes that may be owed as a result of the principal balance reduction earned. Please consult your tax advisor. Citizens Bank, N.A. does not provide tax advice. Citizens Bank Student Loans reserves the right to modify the terms of this offer at any point in the future for new applications.

Learn More About Citizens

Refinancing often makes sense for Parent PLUS loan borrowers, as there’s already a lack of repayment options such as income-based repayment and forgiveness.

Not only that, but Parent PLUS loan borrowers may have a higher chance of getting approved because of their credit history and employment status, which could mean thousands of dollars in savings.

OUR TOP 6 PICKS FOR STUDENT LOAN REFINANCING

Advertiser Disclosure

Student Loan Hero Advertiser Disclosure

Our team at Student Loan Hero works hard to find and recommend products and services that we believe are of high quality and will make a positive impact in your life. We sometimes earn a sales commission or advertising fee when recommending various products and services to you. Similar to when you are being sold any product or service, be sure to read the fine print, understand what you are buying, and consult a licensed professional if you have any concerns. Student Loan Hero is not a lender or investment advisor. We are not involved in the loan approval or investment process, nor do we make credit or investment related decisions. The rates and terms listed on our website are estimates and are subject to change at any time. Please do your homework and let us know if you have any questions or concerns.


TOP PICKS logo logo logo logo logo
Variable Rates
Variable-rate student loans have interest rates that can change during the repayment period. Interest rates may increase or decrease at any time and typically do so based on changes to LIBOR. Often, the introductory rate on a variable-rate loan is lower than that of a fixed rate loan, though it has the potential to increase later. Learn more
2.79% - 6.72%2.79% - 6.72%2.99% - 6.42%2.65% - 6.19%2.78% - 8.13%
Fixed Rates
A fixed-rate student loan guarantees a single interest rate that does not change over the lifetime of the loan. Fixed-rate loans often have higher rates than the introductory rates on variable loans. However, borrowers have peace of mind knowing their monthly payments will always be the same amount. Learn more
3.35% - 6.74%3.35% - 6.74%3.95% - 6.99%3.20% - 6.39%3.74% - 8.24%
Terms
"Term" refers to the length of the loan, typically in years. In general, the shorter the term, the lower the interest rate and the higher the monthly payments. Longer terms will typically result in lower monthly payments but at a higher interest rate. Borrowers may select any term offered by a lender regardless of the current loan term. Learn more
5, 7, 10, 15, 205, 7, 10, 15, 205, 7, 10, 15, 205 to 205, 10, 15, 20
Soft Credit Check
A "soft" credit check allows a lender to check the applicant's credit and provide the applicant with an estimated interest rate without affecting their credit score. This is unlike a "hard" credit check, which may impact an applicant's credit.
Visit SoFiVisit CommonBondVisit Laurel RoadVisit EarnestVisit Citizens

ELIGIBILITY REQUIREMENTS

Transfer Parent PLUS From Parent to Child/Graduate
Many parents take out "Parent PLUS" loans to pay for their children to attend college. Some lenders will permit the refinancing of those Parent PLUS loans from the parent's name into the name of the child/graduate.
Refi Parent PLUS Loans
Indicates whether or not the lender allows parents who took out Parent PLUS loans on behalf of their children to refinance their loans.
Eligible Degrees
Our partners refinance student loans from both undergraduate and graduate degrees.
Undergrad
& Graduate
Undergrad
& Graduate
Undergrad
& Graduate
Undergrad
& Graduate
Undergrad
& Graduate
Eligible Loans
Our partners refinance both private and federal student loans. Both types of loans can be consolidated to create a single payment.
Private & FederalPrivate & FederalPrivate & FederalPrivate & FederalPrivate & Federal
Min. Credit Score
This is the lowest credit score a lender will consider when determining borrower eligibility. While some lenders do not indicate a specific minimum score, they typically still evaluate a borrower's credit profile to determine eligibility. Learn more
Good or Excellent score needed660660660680
Min. Annual Income
The minimum annual income a lender is will consider for borrower eligibility.
No minNo minNo minNo min$24k
No Cosigner Required
If checked, this lender does not require that the applicant have a cosigner to apply.
Ability to Apply With a Cosigner
Applicants have the option to add a cosigner to meet eligibility requirements and/or get better rates and terms on their loan.
Visit SoFiVisit CommonBondVisit Laurel RoadVisit EarnestVisit Citizens

ELIGIBILITY REQUIREMENTS CONTINUED

Cosigner Release Offered (Existing Loans)
If the applicant's initial student loans had a cosigner, the applicant may have the option to refinance their loans solely in the borrowers name and "release" the original cosigner(s).
Cosigner Release Offered (Refinanced Loans)
If the applicant chooses to add a cosigner to the refinanced loan, the applicant may have the option to "release" that cosigner from the refinanced loan at a later date.
Borrower Can Be Delinquent on Current Student Loans
If the borrower's student loans are currently delinquent (but not in default), they may or may not be eligible to refinance.
Borrower Can Apply While Still Enrolled in School
If a borrower is currently enrolled in a graduate or undergraduate degree program and has not yet earned a degree, the borrower may or may not be eligible to refinance.
Borrower Must Currently Be Employed
If a borrower is currently enrolled in a graduate or undergraduate degree program and has not yet earned a degree, the borrower may or may not be eligible to refinance.
Yes(or signed job offer)Yes(or signed job offer)Yes(or signed job offer)Yes(or signed job offer)Yes
Minimum GPA Required
Our partners currently refinace student loans regardless of a borrower's graduate or undergraduate GPA.
No minNo minNo minNo minNo min
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REFINANCING PRODUCT INFORMATION

Min. Lending Amount
The minimum student loan balance a borrower must currently have to refinance with the lender.
$5k$5k$5k$5k$10k
Max. Lending Amount
The maximum student loan balance a borrower must currently have to refinance with the lender.
No Max$500kNo MaxNo Max$90k undergrad
$350k grad
Auto-Pay Interest Rate Reduction
Lenders may offer an interest rate reduction for setting up automated monthly loan payments. This reduction is typically already factored into the fixed and variable rates quoted above.
Yes0.25%Yes0.25%Yes0.25%Yes0.25%Yes0.25%
Average Savings
The average amount borrowers have saved by refinancing with this lender. Unless indicated otherwise, values shown are over the lifetime of the loan. See each lender's website with more details on how this figure is calculated.
$316/month$24,046$20,200$21,810$132/month
Unemployment Protection/Benefits
If a borrower loses their job through no fault of their own, they may be eligible to receive unemployment benefits with some lenders. If approved for this benefit, the lender will put the borrower's loans into forbearance, suspending their monthly loan payments. Unpaid interest will continue to accrue and will be capitalized (added) onto the borrower's principal balance. Borrowers typically have the option to make interest-only payments during this period in order to prevent accruing interest from increasing their balance.
(up to 12 months)
(up to 12 months)
(up to 12 months)
(up to 12 months)
(up to 12 months)
Interest-Only Payment Option
Some lenders may allow you to make interest-only payments for a period of time during your repayment period.
Discharge Due to Death
Some lenders may discharge the student loan upon the death of the borrower.
Visit SoFiVisit CommonBondVisit Laurel RoadVisit EarnestVisit Citizens

REFINANCING PRODUCT INFORMATION CONTINUED

Origination Fees
Origination fees are added expenses that lenders may charge for granting a new loan.
NoneNoneNoneNoneNone
Prepayment Penalty
Prepayment penalties are fees charged by lenders for paying off the balance of the loan before its scheduled pay-off date.
NoneNoneNoneNoneNone
State Residency
Some lenders may not refinance student loans for residents of certain states.
Any except residents of NVAny except LA, ME, RI, or NVAnyAny except AL, DE, KY, MS, NV, RIAny
Previously Defaulted (Now Rehabilitated) Loans Eligible
Indicates whether or not the lender allows loans that were previously in default, but have now been rehabilitated, to be refinanced. Loans currently in default are generally not eligible for refinancing.
Visit SoFiVisit CommonBondVisit Laurel RoadVisit EarnestVisit Citizens

ADDITIONAL INFORMATION

Avg. Time to Check Rate
An estimate of how long (on average) it will take for a borrower to simply check their refinancing interest rate. For lenders that offer a soft credit check, this will not hurt a borrower's credit score.
< 3 minutes< 3 minutes< 3 minutes< 3 minutes< 3 minutes
Avg. Time to Apply
An estimate of how long (on average) it will take for a borrower to fully complete a student loan refinancing application.
< 10 minutes< 10 minutes< 10 minutes< 10 minutes< 20 minutes
Apply on Mobile Device
Indicates whether or not a lender accepts applications from a mobile device.
Interest Is Tax Deductible
Indicates whether or not the interest paid on the refinanced student loan may be eligible for the student loan interest tax deduction (assuming all other eligibility requirements are met). Learn more
Personal Reference Required
Some lenders may require a personal reference in order to apply for student loan refinancing.
NoNoNoNoNo
Year Established
The year the student loan refinancing company was established.
20112011200620131828 / 2014for refi student loans
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* Average savings based on lender specific calculations. Please visit their site for more information.


Our Top 6 Picks for Student Loan Refinancing

Lender Rates (APR) Loan Types Terms Eligible Degrees Eligible Loans More Info
2.79% - 6.74% Variable & Fixed 5, 7, 10, 15, 20 Undergrad
& Graduate
Private & Federal Visit SoFi
2.79% - 6.74% Variable & Fixed 5, 7, 10, 15, 20 Undergrad
& Graduate
Private & Federal Visit CommonBond
2.67% - 7.26% Variable & Fixed 5, 7, 10, 15, 20 Undergrad
& Graduate
Private & Federal Visit Lendkey Apply by phone:Start Application:
1-877-304-9306
2.99% - 6.99% Variable & Fixed 5, 7, 10, 15, 20 Undergrad
& Graduate
Private & Federal Visit Laurel Road
2.65% - 6.39% Variable & Fixed 5 to 20 Undergrad
& Graduate
Private & Federal Visit Earnest
2.78% - 8.24% Variable & Fixed 5, 10, 15, 20 Undergrad
& Graduate
Private & Federal Visit Citizens Apply by phone:Start Application:
1-877-573-4829
Advertiser Disclosure

Student Loan Hero Advertiser Disclosure

Our team at Student Loan Hero works hard to find and recommend products and services that we believe are of high quality and will make a positive impact in your life. We sometimes earn a sales commission or advertising fee when recommending various products and services to you. Similar to when you are being sold any product or service, be sure to read the fine print, understand what you are buying, and consult a licensed professional if you have any concerns. Student Loan Hero is not a lender or investment advisor. We are not involved in the loan approval or investment process, nor do we make credit or investment related decisions. The rates and terms listed on our website are estimates and are subject to change at any time. Please do your homework and let us know if you have any questions or concerns.