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 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)

Returning Applicant?

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.

Ask an ExpertSchedule an Appointment

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

Apply Now