Student Loan Refinancing is Developing the Potential
of Graduates and Communities Across the Country.

Why Refinance Your Student Loans?

Many agree, the student loan marketplace has experienced a breakdown where degree
holders with established credit and stable incomes may still be stuck paying 7.9% on old
Federal Grad Plus loans or 6.8% on unsubsidized Direct loans issued in prior years.
Haven’t good borrowers earned a break? In virtually any other debt, ranging from mortgages
to credit cards, gaining an option to refinance and reduce interest costs is greatly
welcomed especially for those that have improved their credit over time.

Student loan borrowers are a perfect candidate for refinancing, as their credit and income
tends to improve greatly after successfully graduating, but they have had little recourse. Until now!
By refinancing with LendKey's local and not-for-profit lenders, students can take control of their debt repayments, have more money in their pockets and save time with a single payment each month.






A Smarter Alternative to the Hassle of Paying Off Multiple Lenders.

Some of the Benefits Offered
by LendKey's Community Lenders:

Refinance student loans with lower interest rates

Lower Payments and Reduced Rates

It may be possible to reduce your interest rate and lower your monthly payments.

student loan refinancing with repayment options

Repayment Options

Many of our lenders offer various repayment options, including interest-only payments for the first four years.

Refinance federal and private student loans

Simplify Your Finances

Many lenders allow you to consolidate your federal and private student loans, including graduate loans, into one loan.  1

no fees student loan refinancing

No Fees

Most of our lenders don’t charge borrowers origination fees.

refinance student loans with a cosigner

Cosigner Release Available

Many lenders offer cosigner release to creditworthy borrowers who have made consecutive, full on-time principal + interest payments.2

no fee student loan refinancing

.25% ACH Interest Rate Reduction

When you sign up for automatic payments, many of our lenders could drop your interest by .25%. 3


Accessible Loans from Local Lenders,
Thousands of Eligible Schools


Graduates from thousands of U.S. colleges and universities are
eligible for loans from LendKey’s network of community lenders.

Loans are funded by not-for-profit credit unions and
community banks. These local financial institutions keep
operating costs low to pass savings directly to members.






Choose your state

Click on the state where you currently reside.

plans and select
your loan

Compare the rates and offers that are available to you from the lenders in your state. Choose the plan that’s best for you.

Apply and upload

Use our online application and verify your identity and income. (It’s fine to submit screen shots, smartphone photos, and scans.)

Accept your loan

Review your terms. Then submit your electronic signature to start saving.




List all of your existing student loans in your application.

Once your application is approved, all of the loans you’ve applied to consolidate are paid off in full by the new lender.

You get one new loan reflecting the total of all the combined loans at a lower rate, and a single payment to make each month.

Student Loan Refinancing



How To Apply




1. IMPORTANT NOTICE REGARDING THE REFINANCING OF YOUR FEDERAL STUDENT LOANS: Please be aware that you may potentially lose certain benefits associated with your federal student loans by refinancing such federal loans with a private student loan consolidation.  These benefits may include favorable repayment options, loan and fixed interest rates, extended loan terms, and loan forgiveness.  We strongly advise that you seek professional advice and examine our benefits and options before refinancing your federal loans.  It is important to us that you are comfortable with potentially forfeiting benefits that may not be offer through our consolidation loan

2. In order to qualify, the borrower, alone, must meet the lender's credit criteria, and the borrower's loan account must be and remain current up until the lender's decision to release the cosigner has been made.

3. Subject to floor rate. The rate reduction will be removed and the rate will be increased by 0.25% upon any cancellation or failed collection attempt of the automatic payment and will be suspended during any period of deferment or forbearance.  As a result, during the forbearance or suspension period, and/or if the automatic payment is canceled, any increase will take the form of higher payments.




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