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
editorial team
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
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
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
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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
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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
Best Credit Union
- 5.24% to 12.43% APR
- See if you’re prequalified in 2 minutes
- Associate degree refinancing available
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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
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Our team of editors have spent hundreds of hours researching student loan refinance lenders and their rates.
Our Pick For The Best Online Lender
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