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Accurate as of Jul 14th 2024

Student Loans Refinance Rates – July 2024

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.

Ratings by our
  • Jeff Gitlen, CEPF®
editorial team

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
  • 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
  • Best Online Lender

    • 4.19% to 14.83% with autopay
    • 100% free with no fees
    • Get pre-approved in 2 minutes
    • Refinance from $1,000 up to 100% of outstanding balance
    4.9 /5
  • 4.19% to 14.83% with autopay
  • 100% free with no fees
  • Get pre-approved in 2 minutes
  • Refinance from $1,000 up to 100% of outstanding balance
  • 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
    4.8 /5
  • 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 and their rates.


    Our Pick For The Best Marketplace

    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
  • 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