You studied. You graduated. And now it’s time to save.
 
Refinancing your student loan could save you thousands — either by shrinking your interest rate or tapping into other unique offers. Plus, if you go through NerdWallet, you could earn an extra $200. Talk about a no-brainer.
 
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Get started with these standout lenders
 
Check out these offers from our partners.
 
 
 
3.25–6.32%
Est. fixed APR
 
2.57–5.87%
Est. variable APR
 
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on Earnest's website
 
favorite feature
Customizable repayment options
 
 
 
3.09–6.69%
Est. fixed APR
 
2.69–6.01%
Est. variable APR
 
LEARN MORE
on ELFI's website
 
favorite feature
Dedicated personal loan advisors
 
 
 
3.50–7.28%
Est. fixed APR
 
3.56–7.34%
Est. variable APR
 
LEARN MORE
on PenFed's website
 
favorite feature
Unique refinance option for married couples
 

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Disclaimers
Annual Percentage Rates (APR), loan term and monthly payments are estimated based on analysis of information provided by you, data provided by lenders, and publicly available information. All loan information is presented without warranty, and the estimated APR and other terms are not binding in any way. Lenders provide loans with a range of APRs depending on borrowers' credit and other factors. Keep in mind that only borrowers with excellent credit will qualify for the lowest rate available. Your actual APR will depend on factors like credit score, requested loan amount, loan term, and credit history. All loans are subject to credit review and approval.

1 Earnest
Specific Annual Percentage Rate (APRs) offered within these ranges will depend on a variety of factors including your creditworthiness and other application details. Annual percentage rates (APRs) reflect 0.25% discount for optional enrollment in autopay. Your approval for an Earnest Loan is subject to the full underwriting of your loan application. Read more about qualifying for a loan with Earnest here: https://www.earnest.com/eligibility.

2 Education Loan Finance
Subject to credit approval. Terms and conditions apply. http://www.elfi.com/terms/

3 PenFed
FIXED APR: Annual Percentage Rate [APR] is the cost of credit calculating the interest rate, loan amount, repayment term and the timing of payments. Fixed Rates range from 3.50% to 7.28% (3.50% - 7.28% APR) and will vary based on application terms, level of degree and presence of a co-signer. VARIABLE APR: Variable rates are based on the one-month London Interbank Offered Rate ("LIBOR") published in The Wall Street Journal on the twenty-fifth day, or the next business day, of the preceding calendar month. As of June 1, 2018, the one-month LIBOR rate is 1.98%. Variable interest rates range from 3.56% - 7.34% (3.56% - 7.34% APR) and will fluctuate over the term of the borrower's loan with changes in the LIBOR rate, and will vary based on applicable terms, level of degree earned and presence of a co-signer. The maximum variable rate on the student refinance loan is 9.00% for 5-year and 8-year terms, and 10.00% for 12-year and 15-year terms. The floor rate is 2.00%. All rates are subject to additional terms and conditions, and rates are subject to change at any time without notice. Such changes will only apply to applications taken after the effective date of change. PenFed reserves the right to modify or discontinue products and benefits at any time without notice. To qualify, a borrower must be a U.S. citizen and meet PenFed's underwriting requirements. Lowest rates are reserved for the highest qualified borrowers. This information is current as of 06/01/2018. PenFed loans are originated by Pentagon Federal Credit Union. This credit union is federally insured by the National Credit Union Administration.

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