Refinance Student Loans

Save money every month and pay off your student loans faster.

Refinance your high-rate student loans into one low-rate loan with a single monthly payment.

• You can refinance federal loans and/or private student loans.
• Refinance a minimum of $5,000 in student loans.
• Choose a fixed or variable rate and a term of 5, 7, 10 or 15 years. 
• Option to make interest-only payments for the first 2 years.
• Get a 0.25% rate reduction when you sign up for automatic payments.¹
• No hidden fees, no annual fees and no prepayment penalties.

Reasons to refinance may include:

• You want a lower interest rate.
• You want to lower your monthly payment with a longer term.
• You want to pay off your loans sooner with a shorter term.
• You want to consolidate your loans into one payment.

Loan features to consider:

• A fixed rate ensures your rate stays the same and you have steady payments.
• A variable (or adjustable) rate offers a lower initial rate that may go up or down in the future.
• Loan payments cannot be deferred if you return to school. 

Learn more about student loans and refinancing in our FAQs.

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