Can I refinance my private and federal loans together?


In LendKey

Yes, we can refinance private and federal student loans together that were taken out in your name as the student borrower. Please be advised that there are specific benefits that come with federal loans such as loan forgiveness and income-based repayment options, you will be forfeiting your eligibility for receiving those benefits when you refinance with a private lender.

Due to the ongoing pandemic, the federal government has suspended interest and monthly payments on federal student loans through Aug. 31, 2022. Refinancing your federal loan with a lender on our website means that you will no longer be able to receive the benefit of the temporary interest rate and payment suspension, and you will lose other current and future federal student loan benefits that you may be eligible for (including any additional loan relief and forgiveness measures). If you have federal student loans, we strongly recommend reviewing your current and potential future benefits before refinancing.  More information about the federal student loan program can be found at

Please note that the information provided on this website is provided on a general basis and may not apply to your own specific individual needs, goals, financial position, experience, etc. LendKey does not guarantee that the information provided on any third-party website that LendKey offers a hyperlink to is up-to-date and accurate at the time you access it, and LendKey does not guarantee that information provided on such external websites (and this website) is best-suited for your particular circumstances. Therefore, you may want to consult with an expert (financial adviser, school financial aid office, etc.) before making financial decisions that may be discussed on this website.