Student Loan Refinancing

Save money, simplify payments

Refinance your student loans with competitive rates. By combining multiple loans into one easy payment, you could potentially save thousands. Check your rate now – with no impact to your credit score.
Check Your Rate
Calculate Savings
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Lower Your Payments

Refinance to reduce your interest rate, lower your monthly payments, and save thousands over time. Even a small rate drop can lead to big long-term savings.
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Simplify Your Finances

Combine federal and private loans into one simple monthly payment through our network of trusted community lenders. No more juggling due dates or multiple rates.
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No Fees, No Surprises

Our lenders charge no origination fees, no application fees, and no prepayment penalties, which means more money goes directly toward paying down your balance.
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Flexible Terms and Rates

Choose from 5 to 20-year terms and fixed or variable rates to match your financial goals. Whether lowering your payment or paying loans off faster, we have flexible options.

Student Loan Refinancing

Save money, simplify payments

Refinance your student loans with competitive rates. By combining multiple loans into one easy payment, you could potentially save thousands. Check your rate now – with no impact to your credit score.
Check Your Rate
Calculate Savings
Image

Lower Your Payments

Refinance to reduce your interest rate, lower your monthly payments, and save thousands over time. Even a small rate drop can lead to big long-term savings.
Image

Simplify Your Finances

Combine federal and private loans into one simple monthly payment through our network of trusted community lenders. No more juggling due dates or multiple rates.
Image

No Fees, No Surprises

Our lenders charge no origination fees, no application fees, and no prepayment penalties, which means more money goes directly toward paying down your balance.
Image

Flexible Terms and Rates

Choose from 5 to 20-year terms and fixed or variable rates to match your financial goals. Whether lowering your payment or paying loans off faster, we have flexible options.

Do You Qualify?

Bachelor's degree from an eligible school

Minimum credit score of 650

Steady employment or job offer

Monthly income of at least $24,000

U.S. citizen or permanent resident

Loan amount more than $5,000 unless you live in AZ ($10,001), CT ($50,001), or MA ($6,001)

Rate Ranges1

4.39% - 8.47%
Variable APR*
4.49% - 9.34%
Fixed APR*
*Rates shown include 0.25% autopay discount.
Check Your Rate Now

Do You Qualify?

Bachelor's degree from an eligible school

Minimum credit score of 650

Steady employment or job offer

Monthly income of at least $24,000

U.S. citizen or permanent resident

Loan amount more than $5,000 unless you live in AZ ($10,001), CT ($50,001), or MA ($6,001)

Rate Ranges1

4.39% - 8.47%
Variable APR*
4.49% - 9.34%
Fixed APR*
*Rates shown include 0.25% autopay discount.
Check Your Rate Now

Do You Qualify?

 Bachelor's degree from an eligible school

Minimum credit score of 650

Steady employment or job offer

Monthly income of at least $24,000

U.S. citizen or permanent resident

Loan amount more than $5,000 unless you live in AZ ($10,001), CT ($50,001), or MA ($6,001)

Rate Ranges1

4.39% - 8.47%
Variable APR*
4.49% - 9.34%
Fixed APR*
*Rates shown include 0.25% autopay discount.
Check Your Rate

How Student Loan Refinancing Works

Student loan refinancing combines your existing federal or private loans into one new loan, ideally at a lower rate or with extended terms. This can lower your monthly payment, simplify repayment, and help you save money.​

Check Your Rate

Get a personalized rate quote in just 2 minutes without impacting your credit score.

Complete Application

Submit your loan application online and quickly receive a decision.

Start Saving

We pay off your old loans you start making your new monthly payments.

Still not sure where to start?

We have our Ultimate Guide to Student Loan Refinancing that can help!
Your Ultimate Guide is Here

Still not sure where to start?

We have our Ultimate Guide to Student Loan Refinancing that can help!
Your Ultimate Guide is Here

Why Choose LendKey for Student Loan Refinancing?

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Trusted Network

Access to competitive rates through our network of credit unions and community banks.
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Secure Process

Bank-level security protects your personal and financial information throughout the process.
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Customer First

Dedicated support team to guide you through every step of the refinancing process.

Frequently Asked Questions About Student Loan Refinancing

See all FAQs

Ready to Lower Your Student Loan Payments?

Get your personalized rate quote in just 2 minutes. No fees, no obligations and it won’t affect your credit score.
Check Your Rate Now

Ready to Lower Your Student Loan Payments?

Get your personalized rate quote in just 2 minutes. No fees, no obligations and it won’t affect your credit score.
Check Your Rate Now

Always use grants, scholarships, and federal student loans first. Private loans should only fill the gap after you’ve exhausted all your federal aid options—federal loans offer more protections and better terms for most students.

1Full loan approval is subject to creditworthiness and other criteria. Interest rates and monthly payments will vary based on the loan amount, term length, and borrower qualifications.

The lowest rates are for the most creditworthy consumers. The initial rate is determined after a full review of the application and credit profile. To proceed with any conditional offers after pre-qualification, a full application is required, which includes another credit inquiry that may affect the credit score. Borrowers must be U.S. citizens or Permanent Residents in eligible states and meet credit and income requirements. Membership requirements, such as opening a share account and paying fees, may apply if accepting a loan from a credit union lender. Non-members can apply and become members during the loan process.