Refinance Student Loan Process & Timing


Applying for a Student Loan Refinance

Our online refi student loan application process is easy. To get started, you’ll need the following:

  • Identification & Contact Information – Your Social Security number, driver’s license number, address information, phone number and email
  • Employment Information – Your employer’s name, address and phone number, and your annual salary
  • Cosigner’s Information – If applicable, you'll need to include your cosigner’s name and email address
  • Student Loan Statements – If you’re refinancing existing loans, you’ll need to provide a recent statement for each loan you want to refinance


Refinance Student Loan Process & Timing

The loan process will take 2-4 weeks on average.
  • 1Complete Application
    Dependent on borrower, and cosigner if applicable
  • 2Review of Application and Verification of Payoffs
    1 to 2 business days
  • 3Approval of Truth in Lending Disclosure
    Dependent on borrower, must be accepted in 30 days or less
  • 4Final Truth in Lending Disclosure and Right of Rescission Period
    4 business days
  • 5Funds Received and Processed by Financial Institutions
    7 to 10 business days


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