Am I eligible to refinance my student loans?

How to Locate Your Student Loans

You’ve decided you want to refinance your student loans. Smart move! This process will probably save you money and simplify your life. Now you just need to gather up the information for your existing student loans. How many lenders have you borrowed from? Have any of your loans been sold? (Lenders have the right to sell loans, meaning you may have loans that are now owned by a lender other than the one your loan originated with.) Who’s servicing which loans? What are those account numbers?

Go ahead and look through your files. We'll wait.

Did you find all of your information? Not sure?

Here Are Four Tips on How to Locate Your Student Loans

1. Log in to My Federal Student Aid

The U.S. Department of Education has created a portal that includes a history of all your federal student aid (i.e., you won’t find information about any private student loans here). You will use your FSA ID—the same one you used to complete the Free Application for Federal Student Aid (FAFSA®)—to log into your account.

Once logged in you can find the following information for your federal student loans:

  • Loan balances
  • Name of your loan servicers
  • Contact information for your loan servicer

Even if all of your loans are federal student loans, if you have multiple loan servicers, they will each need to be contacted separately.

2. Use Your Free Credit Report

U.S. consumers are entitled to one free credit report every 12 months from each of the three major credit reporting companies—Experian, Equifax, and TransUnion. Any student loan you are responsible for (both federal and private) will show up on your credit report, along with the name of the lender. This is a great resource for locating all of your private student loan lenders in one place. The official site for requesting your free annual report is www.AnnualCreditReport.com.

3. Your Monthly Loan Statements

Your monthly loan statements will have balance and contact information. If you receive your statements electronically, consider creating an email folder to keep them organized. If you receive them via snail mail, store them all in one place. When it comes time to refinance, you’ll be glad you have the information handy.

4. Your College or University

Some of your funds may have been lent to you by your school. Contact the Financial Aid Office at the college or university where you borrowed the money for balance and pay-off information. If you chose to include loans made by your college when you refinance you will need to provide this information to your new lender.

Learn More About Student Loan Refinancing

Private Student Loan Refinancing Interest Rates

Private Student Loan Refinancing Interest Rates

The interest rate on a private refinance loan is determined by the borrower's or cosigner's credit rating. See the impact of different rates on payments.

Federal Student Loan Consolidation Interest Rates

Federal Student Loan Consolidation Interest Rates

When you consolidate your federal student loans, your interest rate will be roughly the same as your current loans. See an example of the rate calculation.

Pros and Cons of Refinancing Parent Loans

The Pros and Cons of Refinancing Parent PLUS Loans

Many parents take out student loans to pay for a child's college education. Learn about the pros & cons of refinancing Parent PLUS Loans & private loans.

How Student Loan Consolidation Works

How Student Loan Consolidation and Refinancing Works

Wondering what the first steps are in consolidating or refinancing your student loans? Check out these step-by-step instructions on how to get started.

Lending Partners

Interest Rates
  • Fixed as low as 3.25% APR
  • Variable as low as 2.72% APR
Max. Loan Limits Up to $300K
Min. Loan Amount $7,500 Degree Req. Must hold at least a bachelor's degree Repayment Terms 5, 8, 12, or 15  years.
Interest Rates
  • Fixed as low as 5.74% APR1
  • Variable as low as 4.74% APR1
  • Lowest APRs shown include an Auto Debit Reward
Max. Loan Limits
  • $150K - Undergraduate or Graduate degrees
  • Higher limits may apply for specific fields of study
Min. Loan Amount $5,000 Degree Req. Students with loans from eligible schools may apply. Repayment Terms 10 - 20 years
Interest Rates
  • Fixed rates starting at 3.39% APR
  • Variable rates starting at 2.8% APR
  • Lowest APRs reflect autopay and loyalty discounts where available.
Max. Loan Limits No Maximum
Min. Loan Amount $7,500 No degree required to refinance Repayment Terms 5, 7, 10, 12, 15, 20, +more
Interest Rates
  • Fixed rate range 3.25% – 7.25%1
  • No origination fees
  • No prepayment fees
Max. Loan Limits
  • Consolidate and refinance up to $300,000
Min. Loan Amount $5,0003 Reset Refinance Loan available to both parent and student borrowers. Repayment terms 5 – 20 years
Interest Rates
  • Fixed as low as 3.20% APR
  • Variable as low as 2.48% APR
  • Hybrid loan rates as low as 3.79% APR
  • Lowest APRs offered include an auto-pay discount
Max. Loan Limits Up to $500K
Min. Loan Amount $10,000 Degree Req. Required completion of one of the following degrees at a qualified school:
  • MBA
  • JD
  • MD
  • Engineering
Repayment Terms 5, 10, 15, 20 years
Interest Rates
  • Fixed as low as 3.48% APR
  • Variable as low as 2.43% APR
  • Rates above include auto pay discount
Max. Loan Limits
  • $500K
  • Minimum qualifying credit score is 660 with an eligible cosigner
Min. Loan Amount $5,000 Degree required. Must have graduated from an eligible school. Repayment Terms: 5, 10,15, or 20 years
Interest Rates
  • Fixed from 3.64% - 7.50%
  • Variable from 2.44% - 6.87%
  • Lowest APRs offered include an auto-pay discount
Max. Loan Limits
  • $125K - Undergraduate
  • $250K - Graduate
  • $300K - Medical, Dental, Veterinary
Min. Loan Amount $5,000 Degree Req. Graduated from a LendKey eligible school Repayment Terms 5, 7, 10, 15, and 20 years
Interest Rates
  • Fixed as low as 3.37% APR
  • Variable as low as 2.35% APR
  • Lowest APRs offered include an auto-pay discount
Max. Loan Limits No Maximum
Min. Loan Amount $10,000 Degree Req. Required completion of degree Repayment Terms 5, 7, 10, 15, 20 years
Interest Rates
  • Fixed as low as 3.74% APR
  • Variable as low as 4.00% APR
  • Rates above include 0.25% auto-debit discount
Max. Loan Limits
  • $120K
  • Minimum qualifying credit score is 660 with an eligible cosigner
Min. Loan Amount $10,000 Degree required. Must have graduated from an eligible school. Repayment Terms 5, 10, or 15 years
Interest Rates
  • Fixed rate range: 3.24% – 7.99% APR1
  • Variable as low as 2.49% – 7.24% APR1
  • No application or prepayment fees
Max. Loan Limits
  • Consolidate and refinance up to $300,0003
Min. Loan Amount $5,0003 Degree required. Must have graduated from a public or private, not-for-profit, degree granting institution. Repayment terms 5 – 15 years2
Interest Rates
  • Fixed rate range: 4.26% – 8.20% APR1
  • Variable as low as 2.97% – 6.72% APR1,2
  • No application, origination, or prepayment fees
Max. Loan Limits
  • Consolidate and refinance up to $250,0003
Min. Loan Amount $5,0003 Eligibility Requirements Must be a U.S. citizen or eligible non-citizen. Must not have defaulted on any private or government student loan. Repayment terms 5, 10, 15 & 20 years2
Am I eligible to refinance my student loans?