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Could student loan refinancing save you money?

Best Student Loan Refinance Companies

Compare top lenders and learn about today’s best refinancing options. We work with some of the nation’s most reputable banks and credit unions to bring you competitive benefits, rates and terms. Find the loan refinance solution that works best for you!

Student Loan Refinance Rates and Benefits

Splash Financial Refinance Loan

  • Rates as low as 1.74%1 Variable APR and 2.59%1 Fixed APR
  • No pre-payment penalties, origination, or application fees
  • See rates in 3 minutes without affecting your credit score2

Splash Financial Refinance Loan

Splash Financial negotiates with credit unions and banks to provide low refinancing rates to student loan borrowers.

Splash is a student loan refinance company that negotiates with credit unions and banks to provide market-leading rates. Our sole focus is helping graduates save money through student loan refinancing – it’s the only product we offer!

The Splash Financial Refinance Loan Offers the Following:

  • Rates as low as 1.74%1 Variable APR and 2.59%1 Fixed APR
  • See your rates in 3 minutes without affecting your credit score2
  • No pre-payment penalties, origination, or application fees
  • Minimum loan amounts starting at $5,000 and no loan maximums
  • Special terms for Medical and Dental Residents and Fellows

Minimum Eligibility Requirements

  • Graduates with an associate, bachelor’s or graduate degree
  • Parents who took out educational loans to finance their child’s education are also eligible if the child has graduated
  • Borrower and cosigner, if applicable, must be a U.S. citizen or permanent resident
  • 650+ FICO
  • <50% Monthly Debt-to-Income Ratio

Loan Limits

Minimum Loan Amount: $5,000

Annual loan maximum: No Maximum

Splash Financial Refinance Loan Full Terms and Information

SoFi Student Loans

  • Rates as low as 1.74% variable and 3.49% fixed1
  • No fees or prepayment penalties
  • Unemployment protection

Don't get stuck with the standard student loan rate. You've worked hard; you deserve better. Learn how SoFi can help you put money back in your pocket:

  • Rates: Variable rates as low as 1.74% APR and fixed rates as low as 3.49% APR with Autopay1
  • Simplicity: Consolidate all existing student loans (federal and private) into a single loan with one monthly payment
  • No Fees: No origination fees and no prepayment penalties
SoFi Private Student Loan Consolidation Full Terms and Information

Earnest Student Loan Refinancing

  • Variable rates starting at 1.74% APR (including 0.25% Auto Pay discount)*
  • Fixed rates starting at 2.99% APR (including 0.25% Auto Pay discount)*
  • Choose your own monthly payment
  • No fees of any kind and exceptional customer service for the life of your loan
  • Check your rate in under 2 minutes

Earnest Student Loan Refinancing

New-fashioned loans for the next generation.

Earnest is a technology company using cutting-edge data science, smarter design, and software automation to rebuild financial services.

With a mission to empower people with the financial capital they need to live better lives, Earnest's lending products are built for a new generation seeking to reach life's milestones. The company uses data and technology to understand every applicant's unique financial story and offer the lowest possible rates.

Earnest Student Loan Refinancing Full Terms and Conditions

Purefy Student Loan Refinancing

  • 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.

Purefy offers low student loan refinance rates and makes sure you get the best deal by searching their network of top-rated lenders. Check you rate in 2 minutes with no impact on credit.


PenFed Student Loan Refinancing Full Terms and Information

College Ave Student Loans

  • Variable rate range: 3.44% – 7.99% APR1
  • Fixed rate range: 3.49% – 7.99% APR1
  • No application or prepayment fees
  • Apply in 3 minutes or less for instant credit decision

College Ave Student Loans Refi was created to help graduates refinance existing student loans so they can repay their loans easily while reducing the total cost and/or monthly payment.

  • No application or origination fees
  • Variable interest rates from 3.44% – 7.99% APR1
  • Fixed interest rates from 3.49% – 7.99% APR1
  • Choose how long you take to repay the loan


  • You (and your cosigner, if applicable) must be a U.S. Citizen or permanent resident.
  • Must have graduated from a public or private, not-for-profit, degree granting institution
  • Consolidate and refinance up to $300,0003
  • All loans are subject to individual approval and adherence to underwriting guidelines.
College Ave Full Loan Terms and Information

PNC Bank Refinance Student Loans

  • Variable rates as low as 2.64% APR1; Fixed rates as low as 2.59% 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

ELFI Student Loan Refinance

  • Customers are saving an average of $309 every month and an average of $20,936 in total savings after refinancing their student loans with Education Loan Finance1
  • Variable and fixed rates starting from 1.86% APR and 2.43% APR2
  • Prequalify in as little as two minutes
  • Award winning customer service from your dedicated Personal Loan Advisor who is matched to you from the moment you sign up

ELFI Student Loan Refinance

Education Loan Finance is a nationwide student loan debt consolidation and refinancing program offered by Tennessee based SouthEast Bank. Offering among the lowest rates in the industry coupled with award winning customer service, it is designed to assist borrowers through consolidating and refinancing education loans to lower your cost of education and/or makes repayment very simple.

Education Loan Finance – backed by the strength of SouthEast Bank – combines the benefits of traditional education loan financing with the superior products, service, and support found in the private market.

ELFI Full Loan Terms and Information


**Not all lenders that may offer private loan refinancing are listed above and you may be able to obtain a private refinance loan from another lender. Edvisors cannot guarantee loan eligibility for site users. Please check with your lender directly for information related to your personal eligibility.

*** Illinois residents, please click on this link.

Could student loan refinancing save you money?