Refi Student Loan | Process & Timing

How Student Loan Refinancing Works

The loan process typically takes 2-4 weeks to complete and follows these steps:

1Complete Your Application

Submit your application online when you're ready to get started.
2Review of Application & Verification of Payoffs

We review your application to make sure everything is ready to go. (1-2 business days)
3Approval of Truth in Lending Disclosure

You have up to 30 days to sign lending documents.
4Final Truth in Lending Disclosure & Right of Rescission Period

After you sign final documents, lending laws give you a chance to reconsider. (4 business days)
5Funds Received & Processed by Financial Institutions

We set up your new loan with us! (7-10 business days)

Have questions or need help? Our team is here for you.

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