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Am I eligible to refinance my student loans?

LendKey Private Student Loan Consolidation

Lendkey Student LoansAre you a graduate burdened with high interest rates on your federal and private student loans? The LendKey Student Loan Consolidation can be the answer to your needs.

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Simplify Your Finances

  • Consolidate all federal and private student loan payments into one easy monthly payment.
  • No application fees, origination fees, or prepayment penalties
  • Rates as low as 2.70% variable and 3.39% fixed with auto-pay.1
  • Check your rate in under 2 minutes
  • Cosigner release available for creditworthy borrowers.2

Repayment Options

  • Interest Only Graduated Repayment: Interest only for first 4 years, then level repayment for remaining term.
  • Level Repayment: Standard level repayment for term of the loan.

Loan Limits

  • Minimum Loan: $5,000
  • Maximum Loan (undergraduate): $125,000
  • Maximum Loan (graduate): $250,000
  • Maximum Loan (medical, dental, veterinary): $300,000

Loan Term

  • 5, 7, 10, 15 and 20 year repayment terms

See My Consolidation Options


  • Graduated from a LendKey eligible school
  • $5,000 - $125,000 in undergraduate student loan debt ($5,000 - $250,000 for graduate; $5,000 - $300,000 for medical, dental, veterinary)
  • Applicants must have reliable gross monthly income of $2,000 per month. If the applicant does not meet this income requirement, their cosigner must have reliable gross monthly income of $2,000 per month
  • Primary borrower and cosigner, if applicable, must be a U.S. citizen or permanent resident.
  • Proof of ID
  • Proof of graduation
  • Proof of income (pay stubs or W-2)
  • Current student loan(s) monthly statement and 30-day payoff statement

See My Consolidation Options

1Requires continued enrollment of automatic payments. If the automatic payment is cancelled at any time after enrollment, the rate reduction will discontinue until automatic payment is reinstated. May be suspended during periods of forbearance and deferment.

2Subject to lender approval. Borrower must meet lender's credit and income requirements.

Am I eligible to refinance my student loans?