Loan consolidating companies

The benefit will discontinue and be lost for periods in which you do not pay by automatic deduction from a savings or checking account.*To check the rates and terms you qualify for, So Fi conducts a soft credit inquiry.Variable rates from 2.570% APR to 6.980% APR (with Auto Pay).Interest rates on variable rate loans are capped at either 8.95% or 9.95% depending on term of loan.Our research, news, ratings, and assessments are scrutinized using strict editorial integrity.

In this guide: Each student loan refinance lender has its own specific underwriting criteria, so your approval odds may be higher at one lender than another.

Our detailed reviews of the best student loan refinance companies can help you better compare your options to ensure you find the lowest rate, friendly repayment terms, and more.

The best lenders listed below are determined by our Editorial Ratings which analyze over 20 data points from 18 refinancing companies.

The borrower will be presented with an Application Disclosure and an Approval Disclosure within the application process before they accept the terms and conditions of their loan.

The borrower will be eligible for a 0.25 percentage point interest rate reduction on their loan if the borrower or their co-signer (if applicable) has a qualifying account in existence with us at the time the borrower and their co-signer (if applicable) have submitted a completed application authorizing us to review their credit request for the loan.

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