Refinance Student Loans

Save thousands by refinancing through credit unions and community banks that prioritize people over profits.


Savings of over 3


rates as low as (with AutoPay) 4






Savings of over 3


rates as low as (with AutoPay) 4


Variable APR



Fixed APR

Loans You Can Trust

Finding the right loan can be time consuming, and confusing. That's why we've simplified the process using a single platform that allows you to find, customize, and fund your loan through our network of credit unions and community banks.

Benefits of Using LendKey

Lower Your Payments

You can reduce your interest rate, lower your monthly payments, and save thousands over the lifetime of your loan when you refinance student loans.

Simplify Your Finances

Through our lenders you'll be able to refinance student loans, both federal and private, including graduate loans, into one convenient loan at a great rate.

No Origination Fees

When you refinance student loans through us, our community lenders won't charge you any origination fees.

Flexible Options

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

Refinancing Calculator

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



Why Refinance Student Loans?

Depending on how long you’ve been out of school, your annual income and credit history is likely to have improved. By refinancing your existing student loans you may see a dramatic reduction in your interest rate – even a few points. With only a few exceptions, it is generally advisable for all student debt holders to at least explore a refinancing scenario, especially since getting your rate through LendKey’s platform will have no impact on your credit score.


Federal and Private Student Loans

Consolidate Federal and Private Student Loans

With LendKey’s student loan consolidation and refinancing, you can combine your federal and private student loans into one convenient payment with a lower interest rate. That could help you better manage your finances, and save over the life of your loan.


Variable Rate vs. Fixed Rate Student Loans

Whether you choose a fixed or variable rate, it's always important to remember to pick a loan that is right for you and your particular financial situation. Remember that interest rates could rise higher than the past highs. If you're comfortable assuming a little more risk in your payment amount, a variable rate loan does have the potential to offer more savings.