Student Refinance Process & Timing
How Student Loan Refinancing Works
Refinance Steps & Timeline
The loan process typically takes 2-4 weeks to complete and follows these steps:
1Complete Your ApplicationSubmit your application online when you're ready to get started.
2Review of Application & Verification of PayoffsWe review your application to make sure everything is ready to go. (1-2 business days)
3Approval of Truth in Lending DisclosureYou have up to 30 days to sign lending documents.
4Final Truth in Lending Disclosure & Right of Rescission PeriodAfter you sign final documents, lending laws give you a chance to reconsider. (4 business days)
5Funds Received & Processed by Financial InstitutionsWe set up your new loan with us! (7-10 business days)
Log in to complete your application, check your loan status, upload documents and read messages.
We Can Help
Have questions or need help? Our team is here for you.
Start Your Student Loan Refinance
Our online student loan refinance process is easy. To get started, you’ll need the following:
- Identification & Contact Info – Your Social Security number, driver’s license number, address, phone number and email
- Employment Details – Your employer’s name, address and phone number, and your annual salary
- Cosigner’s Info – If applicable, you'll need to include your cosigner’s name and email address
- Student Loan Statements – To refinance existing loans, please provide a recent statement for each loan you want to refinance