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You're eligible to apply to refinance your student loans!

Lending Partners

  • Rates as low as 4.59%1 Variable APR and 4.47%1 Fixed APR
  • No pre-payment penalties, origination, or application fees
  • See rates in 3 minutes without affecting your credit score2
  • Rates as low as 5.09% variable and 4.49% fixed1
  • No fees or prepayment penalties
  • Unemployment protection
  • Variable rates starting at 4.99% APR (including 0.25% Auto Pay discount)*
  • Fixed rates starting at 4.96% APR (including 0.25% Auto Pay discount)*
  • Flexible terms - Choose your own monthly payments
  • Exceptional customer service for the life of your loan
  • Hardship assistance and no fees
  • Rates as low as 1.74% APR variable and 2.73% APR fixed.
  • Check your rate in 2 minutes with no impact on credit.
  • We search our network of top-rated lenders to ensure you get the best deal.
  • Options available if you experience financial hardship.
  • No origination fees or prepayment penalties.
  • Variable rate range: 5.99% – 11.99% APR1
  • Fixed rate range: 5.99% – 11.99% APR1
  • No application or prepayment fees
  • Apply in 3 minutes or less for instant credit decision
  • Variable rates as low as 6.14% APR1; Fixed rates as low as 4.99% APR1
  • Rates include 0.50% automated payment discount1, 2
  • Displayed rates are for well-qualified applicants with an Undergraduate degree who choose the 5-year term1
  • 5, 10 or 15-year repayment terms available (rates may vary); 20-year term only available for borrowers with an Undergraduate or Graduate degree borrowing over $75,0001
  • Loan amounts from $10,000 to $200,000 (maximum loan amounts vary by degree attained)3
  • No application fees or origination fees
  • An easy student loan application with a preliminary decision in minutes
  • Cosigner Release option available4
  • Consolidate your student loans into one payment.5

The U.S. Department of Education handles all Federal Consolidation Loans. Apply online or contact the Loan Consolidation Information Call Center at 1-800-557-7392. Go to

Could You Be Saving Money?

Discover how much you could be saving each month with our student loan refinancing calculator.

Helpful Consolidation Tips

  • You'll need your Driver's License and Social Security Number (SSN)
  • Be prepared to provide your work income and any other income you have
  • If you're using a cosigner, get an email address for them