Made at least a few on-time student loan payments after leaving school Good or excellent credit, generally defined as credit scores of 690 or higher A stable job Access to a co-signer with those characteristics, if that doesn’t sound like you Refinancing federal loans into a private loan means losing consumer protections specific to federal loans. Those include the option to tie payments to income and get loans forgiven if you work for the government or a nonprofit. If you have private loans only, or you don’t plan to take advantage of those federal protections, compare refinance lenders to get the lowest possible rate. Strongly consider lenders that offer the most flexibility on payments and multiple options for forbearance. » MORE: Student loan refinance calculator: Should I refinance? Current rates from refinancing lenders LenderAPRGet started Fixed: 3.09% - 6.69% Variable: 2.69% - 6.01% Check Rates Fixed: 3.50% - 7.28% Variable: 3.48% - 7.26% Check Rates Fixed: 3.20% - 7.25% Variable: 2.54% - 7.41% Hybrid: 4.26% - 6. 37% Check Rates Fixed: 3.25% - 7.75% Variable: 2.56% - 8.03% Check Rates Fixed: 5.24% - 8.24% Variable: 4.74% - 7.99% Check Rates Refinancing your student loans sounds great. But it's not for everyone. evaluate lenders and do not issue student loans. This report was not chartered by or created on behalf of any lender listed below. The goal with this process is not only to get the ease of a single payment, but to receive a lower interest rate is calculated as the weighted average of the interest rates of the interest rates of the loan is higher than would be paid with other loans. The fixed interest rate is calculated as the weighted average of the interest rates of the loans being consolidated, assigning relative weights according to the amounts borrowed, rounded up to the nearest 0. 125%, and capped at 8.25%. Some features of the original consolidated loans, such as postgraduation grace periods and special forgiveness circumstances, are not carried over into the consolidation loan, and consolidation loans are not universally suitable for all debtors.[2][3] When you refinance your student loans, you may be able to put more money back into your budget. Disclosure: Student Loan Hero is a free website to help student loan borrowers. We only evaluate lenders and do not issue student loans. This report was not chartered by or created on behalf of any lender listed below. The goal with this process is not only to get the ease of a single payment, but to receive a lower interest rate based on your financial history. Consider refinancing if you have: Made at least a few on-time student loan payments after leaving school Good or excellent credit, generally defined as credit scores of 690 or higher A stable job Access to a co-signer with those characteristics, if that doesn’t sound like you Refinancing federal loans into a private loan means losing consumer protections specific to federal loans. Those include the option to tie payments to income and get loans forgiven if you work for the government or a nonprofit. If you have private loans only, or you don’t plan to take advantage of those federal protections, compare refinance lenders to get the lowest possible rate. Strongly consider lenders that offer the most flexibility on payments and multiple options for forbearance. » MORE: Student loan refinance calculator: Should I refinance? Current rates from refinancing lenders LenderAPRGet started Fixed: 3.09% - 6.69% Variable: 2.69% - 6.01% Check Rates Fixed: 3.50% - 8.34% Variable: 2.90% - 8.00% Check Rates Fixed: 3.37% - 7.49% Variable: 2.80% - 6.44% Check Rates Fixed: 5. 24% - 8.24% Variable: 4.74% - 7.99% Check Rates Refinancing your student loans, you may be able to put more money back into your budget. Disclosure: Student Loan Hero is a free website to help student loan borrowers. We only evaluate lenders and do not issue student loans. This report was not chartered by or created on behalf of any lender listed below. The goal with this process is not only to get the ease of a single payment, but to receive a lower interest rate based on your financial history. Consider refinancing if you have: Made at least a few on-time student loan payments after leaving school Good or excellent credit, generally defined as credit scores of 690 or higher A stable job Access to a co-signer with those characteristics, if that doesn’t sound like you Refinancing federal loans into a private loan means losing consumer protections specific to federal loans. Those include the option to tie payments to income and get loans forgiven if you work for the government or a nonprofit. If you have private loans only, or you don’t plan to take advantage of those federal protections, compare refinance lenders to get the lowest possible rate. Strongly consider lenders that
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