LendKey Research:

Student Loan Refinancing Report


A playbook for bank and credit union leaders

The performance data and analytics team of LendKey continues to evaluate multiple online loan asset classes for their risk profile and upside. The latest report finds clear opportunity in the consolidation and refinancing of student loans.


  • More graduate students are refinancing, representing 30% of new originations
  • Delinquency rates have dropped, 30-89 day and 90+ day delinquencies are 2.2% and 0.5%, respectively
  • Near Prime and Prime borrowers see greatest savings; less so for Super Prime borrowers
  • Loan Participation Report

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