Our Student Loan Refinance Calculator is a powerful tool designed to help borrowers explore potential savings by refinancing their student loans. Refinancing your student loans can lead to significant savings, especially if you qualify for a lower interest rate or better terms. With our calculator, you can compare scenarios, evaluate potential lenders, and make data-driven decisions. Whether you’re looking to lower your monthly payments, secure a lower interest rate, or pay off your debt faster, this calculator provides instant results tailored to your financial situation. Simply input your loan details to see how refinancing with top lenders could reduce your costs and streamline your repayment.
Need Refinance Rates? View current Student Loan Refinance Rates and Options (January 2025) from top lenders in the sortable chart below, or Use our AI powered Lender Dropdown to view up-to-date, current Refinance Rates for each top lender.
* CollegeWhale.com provides unbiased reviews and information on private student loan lenders. We do not have a financial investment with any of the below companies nor do we have a paid advertising relationship with any of the below companies.
CollegeWhale.com provides unbiased reviews and information on private student loan lenders. We do not have a financial investment with any of the below companies nor do we have a paid advertising relationship with any of the below companies.
| Lender | Fixed Rates | Variable Rates | Loan Terms | Loan Amounts | Minimum Credit Score | Autopay Discount | Apply Now |
|---|---|---|---|---|---|---|---|
| SoFi | 4.49% – 9.99% APR | 5.99% – 9.99% APR | 5, 7, 10, 15, 20 years | $5,000 – $300,000 | Not specified | 0.25% | Apply Now |
| Additional Details: SoFi offers flexible terms and competitive rates. It also has an autopay discount of 0.25%. | |||||||
| Citizens Bank | 5.89% – 12.11% APR | 6.52% – 13.45% APR | 5, 7, 10, 15, 20 years | $10,000 – $750,000 | Not specified | 0.25% | Apply Now |
| Additional Details: Citizens Bank offers competitive fixed and variable rates. Combine loyalty and autopay discounts for up to 0.50% interest rate reduction. Quick online application process. | |||||||
| Earnest | 4.54% – 9.99% APR | 6.14% – 9.99% APR | 5 to 20 years | $5,000 – $500,000 | Not specified | Customizable repayment | Apply Now |
| Additional Details: Earnest allows you to customize your loan repayment terms based on your financial situation. | |||||||
| LendKey | 4.89% – 9.65% APR | 5.54%+ APR | 5 to 20 years | $5,000 – $300,000 | 660 | None specified | Apply Now |
| Additional Details: LendKey partners with banks and credit unions to offer competitive student loan refinance rates. | |||||||
| ELFI | 4.84% – 8.44% APR | 4.86% – 8.49% APR | 5, 7, 10, 15, 20 years | $10,000+ | 680 | 0.25% | Apply Now |
| Additional Details: ELFI offers low interest rates and customizable repayment options. Apply online in minutes. | |||||||
Disclaimer: Our student loan calculators and rate tools are for informational purposes only. The displayed results are estimates and may not reflect the actual rates or terms available to you. For accurate and personalized results, please apply directly with the lender you are considering.
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