Credible Student Loan Refinance: Resources & Lender Reviews – Credible

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Student loan refinancing allows qualified borrowers to adjust the interest rate and repayment terms on their private and federal student loans by taking out a new loan that pays off their existing debt.

The best student loan refinance companies provide competitive interest rates, a wide selection of loan terms, inclusive eligibility requirements, and responsive customer service. Through Credible, you can compare your prequalified rates from all of the…
Continue reading 15 min read

Check out our reviews of Credible’s student loan refinancing partner lenders to help you make an educated choice. Read our full student loan refinance lender methodology.

4.2
Credible Rating

Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. Read our full methodology.

Advantage offers student loan refinancing with three repayment terms and the ability to transfer a Parent PLUS loan into the student’s name.
Advantage Review

4.4
Credible Rating

Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. Read our full methodology.

Brazos can be a good choice if you live in Texas, have finished your degree, and have good credit.
Brazos review

3.7
Credible Rating

Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. Read our full methodology.

Citizens offers student loan refinancing even if you didn’t graduate, as well as private student loans.
Citizens review

4.4
Credible Rating

Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. Read our full methodology.

College Ave offers flexible loan terms so your monthly payments can stay within budget.
College Ave review

4.5
Credible Rating

Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. Read our full methodology.

CommonBond offers student loan refinancing with flexible repayment terms to U.S. citizens and immigrants with work visas, as well as private student loans.
CommonBond review

4.4
Credible Rating

Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. Read our full methodology.

ELFI has no set maximum, so you can refinance bigger loan balances.
ELFI review

3.1
Credible Rating

Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. Read our full methodology.

INvestEd offers student loan refinancing even if you didn’t graduate, as well as private student loans for students living or going to college in Indiana.
INvestEd review

4.2
Credible Rating

Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. Read our full methodology.

ISL Education Lending allows borrowers to refinance while still in school and also offers a graduated repayment plan
ISL Education Lending Review

4.0
Credible Rating

Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. Read our full methodology.

MEFA offers student loan refinancing to borrowers whether they completed their degree or not and private student loans with fixed rates.
MEFA review

4.5
Credible Rating

Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. Read our full methodology.

PenFed allows students to refinance parent loans into their own name and spouses to refinance their loans together.
PenFed review

3.7
Credible Rating

Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. Read our full methodology.

RISLA student loan refinancing offers competitive rates and income-based repayment for borrowers facing financial hardships.
RISLA review

4.5
Credible Rating

Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. Read our full methodology.

SoFi offers student loan refinancing with no fees to its borrowers.
SoFi review

Your first step is to compare lender rates and terms to choose the best refinancing lender for your situation.

by Dori Zinn | 5 min read
by Eric Rosenberg | 9 min read
by Eric Rosenberg | 5 min read
by Kat Tretina | 8 min read
by Kat Tretina | 6 min read

Check out more of our student loan refinancing lender reviews to help you make an educated choice. These lenders are not Credible partners.
Earnest can be a good choice if have good but not perfect credit or if you can qualify without a cosigner.
Earnest review
EDvestinU offers student loan refinancing with a wide range of loan terms, as well as private student loans.
EDvestinU review
If you already bank with First Republic or plan to pay off your loan early, First Republic Bank could be a good choice for student loan refinancing.
First Republic Bank review
iHELP offers student loan refinancing (even if you didn’t graduate) and private student loans if you’re still in school.
iHELP review
Whether you’re considering student loan refinancing, a private student loan, or a personal loan, Laurel Road might be a good option.
Laurel Road review
LendKey offers both student loan refinancing and private student loans, and might be a good choice if you have excellent credit.
LendKey review
Wells Fargo offers student loan refinancing and private student loans tailored to your specific degree.
Wells Fargo review

The most effective way to pay off your student loans is to pay more than the minimum payment whenever you can.

by Jamie Young | 10 min read

by Eric Rosenberg | 6 min read

by Eric Rosenberg | 6 min read

by Kat Tretina | 6 min read

by Sarah Li-Cain | 7 min read

by Dori Zinn | 6 min read

No matter which student loans you have (or how much you’re in debt), you can usually find a lender who can help you refinance.

by Aly J. Yale | 12 min read
by Aly J. Yale | 10 min read
by Taylor Medine | 7 min read
by Dori Zinn | 9 min read
by Kat Tretina | 7 min read

There are many student loan forgiveness and repayment assistance programs available, depending on your job type.
by Ashley Harrison | 8 min read
by Kat Tretina | 5 min read
by Kat Tretina | 4 min read
by Angela Brown | 8 min read
by Kat Tretina | 5 min read
by Kat Tretina | 5 min read

Whether you want to reduce your monthly payment, pay less interest, or qualify for loan forgiveness — there are many different repayment plans to choose from.

by Taylor Medine | 10 min read
by Matt Carter | 4 min read
by Matt Carter | 3 min read
by Eric Rosenberg | 5 min read
by Eric Rosenberg | 4 min read

Check out more of our articles on student loan refinancing, so you’re prepared when it comes to your student loans.
by Lindsay VanSomeren | 9 min read
by Jamie Young | 3 min read
by Emily Guy Birken | 10 min read
by Matt Carter | 6 min read
by Emily Guy Birken | 5 min read
by Dori Zinn | 4 min read
by Jared Hughes | 6 min read
by Emily Guy Birken | 7 min read
by Janet Berry-Johnson | 8 min read
by Jacqueline DeMarco | 6 min read
by Nick Dauk | 7 min read
by Jared Hughes | 5 min read
by Andrew Dunn | 9 min read
by Emily Guy Birken | 6 min read
by Emily Guy Birken | 7 min read
by Evelyn Pimplaskar | 4 min read
by Angela Brown | 6 min read
by Aly J. Yale | 6 min read
by Evelyn Pimplaskar | 5 min read
by Janet Berry-Johnson | 8 min read
by Kathryn Pomroy | 7 min read
by Evelyn Pimplaskar | 6 min read
by Angela Brown | 5 min read
by Emily Guy Birken | 6 min read
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