Best Student Loan Refinance Rates | Rates & Reviews | CentSai

Best Student Loan Refinance Rates

Last updated: April 14, 2024
Best For Low Interest Rates

Earnest helps you pick a repayment plan that fits into your budget and lower your interest rate. (Rates starting from 1.89%). Auto-pay discount apply.


  • Customize your loan payment plan
  • Combine multiple loans to simplify your payments
  • Choose your loan term
  • Remove a cosigner
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Best For Reducing Repayments

Credible is an online marketplace that provides borrowers with competitive, personalized loan offers from multiple vetted lenders in real time.


  • One Simple Form
  • Get Personalized Rates in 2 minutes
  • Compare prequalified rates
  • Refinance federal, private & ParentPLUS loans
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Best For Personalized Rates

SuperMoney is a free loan offer engine that helps you pick your best match for student loan refinancing.


  • Prequalify for multiple loans
  • Get personalized rates from leading lenders in minutes
  • Refinance private and federal student loans
  • Simplify your monthly payments
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Best For Flexible Options

Save thousands by refinancing your federal and private student loans with LendKey’s network of banks and credit unions.


  • Rates as low as 1.90% variable APR
  • 5,7,10,15 and 20-year terms available
  • No obligation to accept offers
  • No fees or prepayment penalties
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Best For Simple Application

ELFI offers a simple online application process paired with guidance from a Loan Advisor who helps every step of the way. Prequalify in minutes!


  • Consolidate multiple student loans
  • No application or origination fees
  • No early payment penalties or fees
  • Flexible terms and rates available
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Best For Serious Savings

With SoFi, you could potentially save money each month by refinancing your student loans, or pay your loans faster!


  • No hidden fees
  • Consolidate and refinance your federal or private student loans
  • Find your rate in two minutes
  • SoFi requires a 650 FICO score to apply 
Applying Wont Impact Credit Score
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