Student Loan Refinancing Comparison Tool

We currently recommend Credible as our student loan refinancing partner. Credible allows users to simply input their information once - and Credible does all the work comparing different student loan lender to find the best rates, fees, and terms for borrowers.

If you're looking to refinance your student loan debt, check out Credible today. You can get a 90% accurate rate and term for your student loan within 2 minutes, without a hard credit check. Check out our Credible Review here for more details. 

As a bonus for College Investor readers, you can get $200 when you refinance with Credible!

When comparing student loan lenders, it's always important to know all the facts. That's why we have one of the most comprehensive databases of student loan refinancing lenders for you to review. When checking out the tool, make sure you look at all our lender reviews as well.​

Student Loan Refinancing Tool

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Student Loan Refinancing Lenders Review

Check out our reviews of the top student loan refinancing lenders and learn where you can find the best rates and terms to refinance your student loan debt.

Alliant Student Loan Review:​ Alliant Credit Union offers loans for both undergraduate and graduate students, with an optional deferment meaning no payments are due until six months after graduation. As a credit union, it can offer competitive rates – their current best rate is just 3.25 % for student loans and 3.5% for consolidation student loans. Students can borrow up to $60,000, and a cosigner isn't required. As a result, we give Alliant Student Loans 4 out of 5 stars.

College Ave Student Loan Review: College Ave Student Loans provides student loan refinancing at variable interest rates. They do offer a variety of repayment options, which makes them unique. As such, we give them 3 out of 5 stars.

Citizen's Bank Review: Citizen's Bank is a traditional bank that offers student loan refinancing. Given that it's a traditional bank, they focus heavily on credit scores. Their loans come with very few fees, which is refreshing for a bank. Since they are only good for certain borrowers, we give them 3 out of 5 stars.

CommonBond Review: CommonBond was one of the first peer-to-peer lending platforms online for students to refinance their student loans. They offer competitive rates, and have refinancing loans for Parent PLUS Loans, which is unique in the lending marketplace. We give CommonBond 4 out of 5 stars.

CordiaGrad Review: CordiaGrad is a smaller financial company that is actively competing with large institutions. They are very traditional in their terms, offering fixed and variable rate loans based on the Prime Interest Rate. The terms vary from 5 years to 12 years. CordiaGrad is one of the lenders that offers specialty loans for Doctors and Lawyers, up to $350,000. As a result, we give CordiaGrad 3 out of 5 stars.

DRB Student Loans Review: DRB Student Loans is a traditional bank that also offers student loans as a lending product. As a result, they are only semi-competitive, but they do have the reputation of their bank to back up their loans. We give DRB student loans 3 out of 5 stars.

Earnest Student Loan Refinancing Review: Earnest is a student loan refinancing company and personal loan lender that focuses on flexibility. They allow borrowers to tailor their student loan payments by picking the amount and the due date. They can do this by tailoring other aspects of the loan to meet your needs. Because of their flexibility and options, we give Earnest 4 out of 5 stars.

EDvestinU Student Loans Review: EDvestinU is a unique student loan refinancing company in that it is a non-profit that is working to help it's stakeholders. They offer low rates and no fees, which is very unique. However, the approval process can be challenging. As such, we give EDvestinU 3 out of 5 stars.

ElFi Student Loans Review: ElFi is a newer student loan lender that offers competitive rates, bonus programs, and more. It has a few minor drawbacks, but overall looks very promising. We give them 4.5 out of 5 stars.

First Republic Bank Student Loan Review: First Republic Bank is another traditional bank that offers student loan refinancing. Because they are a traditional bank, they offer student loans with much higher maximums than other companies. However, they don't offer many options for borrowers with poor credit. We give First Republic 2 out of 5 stars.

iHelp Student Loan Review: iHelp is one of the first lenders that allowed borrowers to fill out a common application for several lenders at once. However, iHelp doesn't offer fixed rate loans at any of their lenders, and their rates are higher than most other companies. They do offer loans without a cosigner, but even with great credit, rates can be really high. We give iHelp a 2 out of 5 stars.

LendKey Review: LendKey is another student loan marketplace lending tool similar to our comparison tool above. However, they partner with many smaller community banks and credit unions to offer student loan refinancing. As a result, they offer very competitive rates. We give LendKey 4 out of 5 stars.

Link Capital Review: Link Capital focuses on the needs of students training for various medical fields. Because of this, their maximum loan amount is very high at $450,000. There are no origination fees, and you can get a lower rate by signing up for automatic payments. They don't fully disclose their current interest rates, so that makes it challenging to compare them. We give Link Capital 3 out of 5 stars.

Pave Review: Pave student loans is an online student loan refinancing lender that takes into consideration more than just your credit score. However, they do charge higher fees and have lower loan limits than other lenders. As a result, we give Pave 2 out of 5 stars.

PenFed Review: PenFed is a credit union that has recently pushed into student loan refinancing. If you're in the military or a veteran, or work for the government, PenFed might be a good choice for getting your student loans. We give PenFed Student Loan Refinancing 4 out of 5 stars.

RISLA Review: RISLA stands for the Rhode Island Student Loan Authority, and offers loans to Rhode Island students both in and out of state. RISLA's loans are credit based, and they have lots of options to not have a cosigner or release a cosigner. RISLA also excels at customer service. RISLA is a great company and we give them 4 out of 5 stars.

SimpleFi Student Loan Review: SimpleFi is a different type of lender because it focuses on offering student loan refinancing as an employer HR benefit to employees. As such, it mostly partners with companies looking to help their employees. They also offer coaching programs as part of their loans. They probably shouldn't be your first stop in looking for a lender. As such, they get 2 out of 5 stars.

SoFi Review: SoFi is one of the largest student loan refinancing companies right now, offering an online student loan refinancing service that is top notch. They are famous for their services that they offer borrowers in case of job loss, and other perks of being a lender. We give SoFi 5 out of 5 stars.

Wells Fargo Student Loan Refinancing:​ Wells Fargo is one of the biggest banks, and they offer private student loans for undergraduate and graduate students. Their rates vary daily, but they are very transparent and publish them online. Wells Fargo also has preferred schools, which offer lower rates, so be sure to ask. They also have some of the highest loan limits available. The biggest drawback is customer service, so if you can ignore that, this is a good choice. We give them 4 out of 5 stars.

U-Fi Student Loan Review: U-Fi Student Loans is a private student loan lender affiliated with NelNet, a government loan servicing contractor. U-Fi provides pretty standard student loan refinancing options for both undergraduate and graduate students. We give U-Fi 3 out of 5 stars.

Upstart Student Loan Review: Upstart is a student loan lender that looks to use more than just your credit score when borrowing. In fact, they look at your job, school, and other history to make their decisions. However, they don't offer much information to allow borrowers to make a decision right away. As a result, we give Upstart 3 out of 5 stars.