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Accurate as of Sep 8th 2024

Best Student Loans Refinance Companies – July 2024

Ratings by our
  • Jeff Gitlen, CEPF®
editorial team

With rates starting at 4.99%, refinancing your student loan may lower your interest rate and save you thousands over the life of your loan. We’ve compared and reviewed the top student loan refinance lenders for undergraduate and graduate loans.

Top Student Loan Refi Companies

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Best Marketplace

  • 5.28% to 12.41% APR
  • Best Rate Guarantee: $200 reward if you close with a lower rate
  • Compare prequalified offers from multiple lenders in 2 minutes
  • 100% free with no fees or impacts to your credit
  • Combine your private and federal loans
  • Rated Excellent on Trustpilot with over 7,000 reviews
  • Refinance from $1,000 up to 100% of outstanding balance
4.8 /5
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  • 5.28% to 12.41% APR
  • Best Rate Guarantee: $200 reward if you close with a lower rate
  • Compare prequalified offers from multiple lenders in 2 minutes
  • 100% free with no fees or impacts to your credit
  • Combine your private and federal loans
  • Rated Excellent on Trustpilot with over 7,000 reviews
  • Refinance from $1,000 up to 100% of outstanding balance
    • Read Review

    Best Value

    • 5.24% to 12.43% APR
    • See if you’re prequalified in 2 minutes
    • Accepts applicants with credit scores under 700
    • Assigned a student loan advisor
    4.7 /5
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    • 5.24% to 12.43% APR
    • See if you’re prequalified in 2 minutes
    • Accepts applicants with credit scores under 700
    • Assigned a student loan advisor
    Read Review

    Best Skip a Payment Benefit

    • 5.19% to 9.74% APR
    • Customizable payment terms and lengths, including skip a payment once per year
    • Make extra or early payments with no fees
    • Combine your private and federal loans
    • Refinance from $5,000 up to $500,000 of outstanding balance
    4.6 /5
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  • 5.19% to 9.74% APR
  • Customizable payment terms and lengths, including skip a payment once per year
  • Make extra or early payments with no fees
  • Combine your private and federal loans
  • Refinance from $5,000 up to $500,000 of outstanding balance
    • Best of Badge

    Our team of editors have spent hundreds of hours researching student loan refinance lenders.

    Our Pick For Best Marketplace

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    Best Marketplace

    • 4.75% to 12.44% APR
    • Best Rate Guarantee: $200 reward if you close with a lower rate
    • Compare real offers from multiple lenders in 2 minutes
    • 100% free with no fees or impacts to your credit
    • Combine your private and federal loans
    • Rated Excellent on Trustpilot with over 7,000 reviews
    • Refinance from $1,000 up to 100% of outstanding balance
    4.8 /5
    View Rates
    Read
  • 4.75% to 12.44% APR
  • Best Rate Guarantee: $200 reward if you close with a lower rate
  • Compare real offers from multiple lenders in 2 minutes
  • 100% free with no fees or impacts to your credit
  • Combine your private and federal loans
  • Rated Excellent on Trustpilot with over 7,000 reviews
  • Refinance from $1,000 up to 100% of outstanding balance

    • Best Value

    • 5.24% to 12.43% APR
    • See if you’re prequalified in 2 minutes
    • No degree required
    • Refinancing parent PLUS loans in your name available
    4.1 /5
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    Powered By Credible
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    • 5.24% to 12.43% APR
    • See if you’re prequalified in 2 minutes
    • No degree required
    • Refinancing parent PLUS loans in your name available