RecommendedMost Popular
APR Range4.49% – 9.99% APR
Loan Amount$5K – $500K
No origination fees. Career coaching included.
Best Student Loan Refinancing of 2026
Compare rates from top lenders and lower your monthly payment.
Best Flexibility
APR Range4.45% – 9.74% APR
Loan Amount$5K – $500K
9-month grace period. Skip one payment per year.
Best Rates
Splash Financial
APR Range4.29%+ APR
Loan Amount$10K – $500K
Marketplace model. Compares multiple lenders at once.
Healthcare Focus
Laurel Road
APR Range4.99% – 8.90% APR
Loan Amount$5K – $250K
Special rates for healthcare professionals and nurses.
⚠️ Important: Federal Loan Protections
Refinancing replaces your existing loans with a new private loan. This means you may lose federal protections like income-driven repayment and Public Service Loan Forgiveness. Weigh carefully before refinancing federal loans.
Rates shown are estimates and may vary based on creditworthiness. Rates subject to credit approval. Always review the full terms before accepting a loan. Affiliate disclosure.
Not ready to refinance?
Find scholarship money first.
Before you refinance, make sure you've exhausted every scholarship option available to you.