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Accurate as of Oct 26th 2024

Student Loans Refinance Rates – October 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
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Best Online Lender

  • 4.19% to 14.83% with autopay
  • Autopay discount of 0.25%
  • Get pre-approved in 2 minutes
  • 100% free with no fees
  • Easy online application with live support 7 days a week
  • Refinance from $1,000 up to 100% of outstanding balance
5.0 /5
View Rates
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  • 4.19% to 14.83% with autopay
  • Autopay discount of 0.25%
  • Get pre-approved in 2 minutes
  • 100% free with no fees
  • Easy online application with live support 7 days a week
  • Refinance from $1,000 up to 100% of outstanding balance
    • Read Review

    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 Personalized Support

    • 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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    Powered by Credible
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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

    • Best For Large Loan Balances

    • 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
    View Rates
    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
    • 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
    View Rates
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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 Credit Union

    • 5.24% to 12.43% APR
    • See if you’re prequalified in 2 minutes
    • Associate degree refinancing available
    4.2 /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
  • Associate degree refinancing available

    • Best For No Fees

    • 5.24% to 12.43% APR
    • See if you’re prequalified in 2 minutes
    • No late fees or returned check penalties
    • No degree required
    4.1 /5
    View Rates
    Powered by Credible
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  • 5.24% to 12.43% APR
  • See if you’re prequalified in 2 minutes
  • No late fees or returned check penalties
  • No degree required
    • 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 Online Lender

    Read Review

    Best Online Lender

    • 4.19% to 14.83% with autopay
    • Autopay discount of 0.25%
    • Get pre-approved in 2 minutes
    • 100% free with no fees
    • Easy online application with live support 7 days a week
    • Refinance from $1,000 up to 100% of outstanding balance
    5.0 /5
    View Rates
    Read
  • 4.19% to 14.83% with autopay
  • Autopay discount of 0.25%
  • Get pre-approved in 2 minutes
  • 100% free with no fees
  • Easy online application with live support 7 days a week
  • Refinance from $1,000 up to 100% of outstanding balance