What You Need to Get Started

  • Know what you owe. If you have more than one loan, they may have different balances and interest rates. If you don’t know what they are, check out your monthly statement or contact your loan servicing company.
  • Know your credit score. Your credit score is a key factor in determining the rates you can qualify for when refinancing your student loans. Many credit card companies now provide your credit score for free. If you don’t have a great credit score yourself, applying with a cosigner may help you get better rates.
  • Know whether to choose a Variable or Fixed Rate. Typically, a loan with a variable interest rate will start with a lower rate than a fixed rate loan. However, variable rates will likely both increase and decrease over time, depending on the economic environment.
Step 1: Add Your Current Loan Info
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+ Add Another Loan
Step 2: Add Your NEW Loan Info
Fill in the details about your current loan to see how much you can save!

Our fast and easy student loan calculator lets you plug in your remaining debt and monthly payment to figure out how much refinancing your student loans can improve your finances.

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The calculator above provides estimates based on the information you provide and is for illustrative purposes only. Actual estimated payments can only be determined after you apply and provide all necessary documentation for review. We cannot and do not guarantee their applicability or accuracy regarding your individual circumstances. We encourage you to seek personalized advice from qualified professionals regarding your specific financial situation.

Check out our Ultimate Guide to Student Loan Refinancing for a step-by-step guide on understanding and deciding on whether you should refinance your student loans.

Further Reading: