{"id":29879,"date":"2023-06-30T20:19:14","date_gmt":"2023-07-01T00:19:14","guid":{"rendered":"https:\/\/ifintechworld.com\/loans\/13-best-student-loan-refinance-companies-of-2023\/"},"modified":"2023-06-30T20:19:15","modified_gmt":"2023-07-01T00:19:15","slug":"13-best-student-loan-refinance-companies-of-2023","status":"publish","type":"post","link":"https:\/\/ifintechworld.com\/?p=29879","title":{"rendered":"13 best student loan refinance companies of 2023"},"content":{"rendered":"<div>\n<div class=\"advertiser-disclosure\">\n<p>Our goal here at Credible Operations, Inc., NMLS Number 1681276, referred to as &#8220;Credible&#8221; below, is to give you the tools and confidence you need to improve your finances. Although we do promote products from our partner lenders who compensate us for our services, all opinions are our own.<\/p>\n<\/div>\n<p> <!----> <\/p>\n<div class=\"featured featured-image article-ct\">\n<div class=\"m\"><picture><source media=\"(max-width: 767px)\" ><source media=\"(min-width: 768px)\" ><\/source><\/source><\/picture> <!----><\/div>\n<p> <!----> <\/p>\n<div class=\"info\"><\/div>\n<\/div>\n<p>If you have student loan debt, refinancing your student loans can come with several benefits. You can lock in a lower interest rate, lower your monthly payments, or take advantage of a flexible repayment plan. You may also release a cosigner, switch to a lender with better service, or consolidate multiple loans into one.<\/p>\n<p>While federal student loan payments have been paused since March 2020, payments will resume beginning in October 2023. In addition, the Supreme Court recently struck down the Biden administration\u2019s forgiveness plan, which would have offered up to $20,000 in loan forgiveness for borrowers.<\/p>\n<p>With these developments, review your refinancing options and see if it makes sense for you.\u00a0\u00a0<\/p>\n<h2><strong>The best student loan refinance lenders<\/strong><\/h2>\n<p>The best student loan refinance companies generally offer lower interest rates, various loan terms, broad eligibility requirements, and several other benefits. If you want to refinance your student loans, here are 13 lenders to consider.\u00a0<\/p>\n<p>The following 10 lenders are Credible partners.<\/p>\n<h3><strong>Brazos: Best for Texas graduates with strong credit and income<\/strong><\/h3>\n<p>Brazos Higher Education is a nonprofit lender specializing in student loan refinancing to Texas residents with competitive rates and flexible terms.\u00a0\u00a0<\/p>\n<p><strong>Minimum credit score:<\/strong> 690<\/p>\n<p><strong>Terms: <\/strong>Five, seven, 10, 15 and 20 years<\/p>\n<p><strong>APR:<\/strong> Fixed and variable<\/p>\n<p><strong>Maximum loan amount:<\/strong> $400,000 (depending on degree)<\/p>\n<p><strong>Pros:<\/strong><\/p>\n<ul>\n<li>Forbearance options for economic hardships, active-duty military members and natural disasters<\/li>\n<li>Interest rate reduction with automatic payments<\/li>\n<\/ul>\n<p><strong>Cons:<\/strong><\/p>\n<ul>\n<li>Only available in Texas<\/li>\n<li>No cosigner release<\/li>\n<\/ul>\n<h3><strong>Citizens: Best for borrowers who didn\u2019t graduate<\/strong><\/h3>\n<p>Citizens Bank offers private student loans and student loan refinancing to students and parents nationwide.\u00a0<\/p>\n<p><strong>Minimum credit score: <\/strong>Not disclosed<\/p>\n<p><strong>Terms:<\/strong> Five, seven, 10, 15 and 20 years<\/p>\n<p><strong>APR:<\/strong> Fixed and variable<\/p>\n<p><strong>Maximum loan amount:<\/strong> $750,000 (depending on degree and loan type)<\/p>\n<p><strong>Pros:<\/strong><\/p>\n<ul>\n<li>Interest rate discount with automatic payments<\/li>\n<li>Can refinance even if you didn\u2019t earn your degree<\/li>\n<\/ul>\n<p><strong>Cons:<\/strong><\/p>\n<ul>\n<li>Lack of transparency around minimum income and credit requirements<\/li>\n<li>No cosigner release on the Education Refinance Loan for Parents<\/li>\n<\/ul>\n<h3><strong>College Ave: Best for graduates seeking flexible loan terms<\/strong><\/h3>\n<p>College Ave is a fintech lender that offers both private student loans and student loan refinancing.\u00a0<\/p>\n<p><strong>Minimum credit score:<\/strong> Not disclosed<\/p>\n<p><strong>Terms:<\/strong> Five to 20 years<\/p>\n<p><strong>APR:<\/strong> Fixed and variable<\/p>\n<p><strong>Maximum loan amount:<\/strong> $300,000 (depending on degree type)<\/p>\n<p><strong>Pros:<\/strong><\/p>\n<ul>\n<li>Interest rate discount with automatic payments<\/li>\n<li>$150 statement credit on the College Ave Career Loan with Success Rewards for completing your degree<\/li>\n<\/ul>\n<p><strong>Cons:<\/strong><\/p>\n<ul>\n<li>Lack of transparency around minimum income and credit score requirements<\/li>\n<li>Limited options for borrowers who experience financial hardship<\/li>\n<\/ul>\n<h3><strong>EDvestinU: Best for New Hampshire Students<\/strong><\/h3>\n<p>Nonprofit EDvestinU is part of the New Hampshire Higher Education Assistance Foundation (NHHEAF) Network and offers affordable rates for refinance loans. Borrowers can refinance federal and private loans, and fixed and variable<strong>&#8211;<\/strong>rate loans are available.<\/p>\n<p><strong>Minimum credit score:<\/strong> Not disclosed<\/p>\n<p><strong>Terms:<\/strong> 5, 10, 15 or 20 years<\/p>\n<p><strong>APR:<\/strong> Fixed or variable<\/p>\n<p><strong>Maximum loan amount: <\/strong>$200,000<\/p>\n<p><strong>Pros:<\/strong><\/p>\n<ul>\n<li>No degree is required to refinance, and you can refinance while still in school<\/li>\n<li>Autopay discount of 0.25 percentage points<\/li>\n<li>Prequalification is available<\/li>\n<\/ul>\n<p><strong>Cons:<\/strong><\/p>\n<ul>\n<li>Refinancing is only available in select states<\/li>\n<li>Minimum loan balance is higher than some competitors and maximum balance is lower<\/li>\n<li>Cosigner release requirements are strict\u00a0<\/li>\n<\/ul>\n<h3><strong>ELFI: Best for borrowers who want to refinance large balances<\/strong><\/h3>\n<p>Offered by Tennessee-based SouthEast Bank, Education Loan Finance (ELFI) is a student loan refinancing program for college graduates and parents nationwide.\u00a0<\/p>\n<p><strong>Minimum credit score:<\/strong> 680<\/p>\n<p><strong>Terms:<\/strong> Five, seven, 10, 15 and 20 years for student loans; five, seven and 10 years for parent loans<\/p>\n<p><strong>APR: <\/strong>Fixed and variable<\/p>\n<p><strong>Maximum loan amount:<\/strong> No maximum<\/p>\n<p><strong>Pros:<\/strong><\/p>\n<ul>\n<li>Offers refinancing for graduates and parents who took out loans for their children<\/li>\n<li>Up to 12 months of forbearance for financial hardship<\/li>\n<\/ul>\n<p><strong>Cons:<\/strong><\/p>\n<ul>\n<li>High loan minimum requirements<\/li>\n<li>Not available to borrowers who didn\u2019t graduate<\/li>\n<\/ul>\n<h3><strong>INvestEd: Best for borrowers who might need forbearance\u00a0<\/strong><\/h3>\n<p>INvestEd is an Indiana nonprofit that offers private student loans to students attending universities within the state and refinances student loans for borrowers all over the country.\u00a0<\/p>\n<p><strong>Minimum credit score:<\/strong> 670<\/p>\n<p><strong>Terms:<\/strong> Five, 10, 15 and 20 years<\/p>\n<p><strong>APR:<\/strong> Fixed and variable<\/p>\n<p><strong>Maximum loan amount:<\/strong> $250,000<\/p>\n<p><strong>Pros:<\/strong><\/p>\n<ul>\n<li>Up to 24 months of forbearance during the life of the loan<\/li>\n<li>Interest rate discount with automatic payments<\/li>\n<\/ul>\n<p><strong>Cons:<\/strong><\/p>\n<ul>\n<li>Late fees<\/li>\n<li>Prepayment penalties<\/li>\n<\/ul>\n<h3><strong>ISL Education Lending: Best for borrowers who are still in school\u00a0<\/strong><\/h3>\n<p>ISL Education Lending is a nonprofit that offers student loan refinancing for both students and parents.\u00a0\u00a0<\/p>\n<p><strong>Minimum credit score:<\/strong> 670<\/p>\n<p><strong>Terms:<\/strong> Five, seven, 10, 12, 15 and 20 years<\/p>\n<p><strong>APR:<\/strong> Fixed<\/p>\n<p><strong>Maximum loan amount: <\/strong>$320,000 for students still in school<\/p>\n<p><strong>Pros:<\/strong><\/p>\n<ul>\n<li>Students can refinance while still in school<\/li>\n<li>Graduated repayment plans available<\/li>\n<\/ul>\n<p><strong>Cons:<\/strong><\/p>\n<ul>\n<li>Lengthy cosigner period<\/li>\n<li>Low loan maximum<\/li>\n<\/ul>\n<h3><strong>MEFA: Best for borrowers refinancing debt to attend a public or nonprofit college or university<\/strong><\/h3>\n<p>The Massachusetts Educational Financing Authority (MEFA) is a not-for-profit lender that provides student loans and student loan refinancing to borrowers nationwide.\u00a0<\/p>\n<p><strong>Minimum credit score:<\/strong> 670<\/p>\n<p><strong>Terms:<\/strong> Seven, 10 or 15 years<\/p>\n<p><strong>APR: <\/strong>Fixed and variable<\/p>\n<p><strong>Maximum loan amount: <\/strong>$10,000 up to the total amount of qualified education debt<\/p>\n<p><strong>Pros:<\/strong><\/p>\n<ul>\n<li>Competitive rates<\/li>\n<li>Payment deferral for up to 60 months<\/li>\n<\/ul>\n<p><strong>Cons:<\/strong><\/p>\n<ul>\n<li>Limited repayment terms<\/li>\n<li>No cosigner release<\/li>\n<\/ul>\n<h3><strong>Nelnet Bank: Best for Large Loan Balances<\/strong><\/h3>\n<p>While Nelnet has been a long-time servicer of federal student loans, Nelnet Bank was founded in 2020 as the company&#8217;s private student lending arm.\u00a0<\/p>\n<p><strong>Minimum credit score:<\/strong> Not disclosed<\/p>\n<p><strong>Terms:<\/strong> 5, 7, 10, 15 or 20 years<\/p>\n<p><strong>APR:<\/strong> Fixed or variable<\/p>\n<p><strong>Maximum loan amount:<\/strong> $125,000 for undergraduate degrees, $175,00 for graduate, law or doctorate degrees and $500,000 for health professional degrees<\/p>\n<p><strong>Pros:<\/strong><\/p>\n<ul>\n<li>High maximum loan amounts<\/li>\n<li>Can refinance parent PLUS loans into student&#8217;s name<\/li>\n<li>Prequalification is available<\/li>\n<\/ul>\n<p><strong>Cons:<\/strong><\/p>\n<ul>\n<li>Must have graduated to refinance<\/li>\n<li>Credit and income requirements are not disclosed\u00a0<\/li>\n<\/ul>\n<h3><strong>RISLA: Best for borrowers who are worried about their job security\u00a0<\/strong><\/h3>\n<p>The Rhode Island Student Loan Authority (RISLA) focuses on refinancing in the form of income-based repayment to borrowers in all 50 states.<\/p>\n<p><strong>Minimum credit score: <\/strong>680<\/p>\n<p><strong>Terms:<\/strong> Five, 10 and 15 years<\/p>\n<p><strong>APR: <\/strong>Fixed<\/p>\n<p><strong>Maximum loan amount:<\/strong> $250,000 (depending on highest degree earned)<\/p>\n<p><strong>Pros:<\/strong><\/p>\n<ul>\n<li>Income-based repayment available for financial hardship<\/li>\n<li>Up to 36 months of deferral if you go back to graduate school<\/li>\n<\/ul>\n<p><strong>Cons:<\/strong><\/p>\n<ul>\n<li>Low loan limits<\/li>\n<li>No cosigner release<\/li>\n<\/ul>\n<p><u>Compare private student loan rates<\/u> from various lenders using Credible.<\/p>\n<h2><strong>Other lenders to consider<\/strong><\/h2>\n<p>The following lenders are not Credible partners, so you won\u2019t be able to easily compare your rates with them on the Credible platform. But they may also be worth considering if you\u2019re looking to refinance your student loans.<\/p>\n<h3><strong>Earnest: Best for borrowers who want to pay off their student loans early<\/strong><\/h3>\n<p>Founded in 2013, Earnest is an online lender that offers private student loans and student loan refinancing to graduates.<\/p>\n<p><strong>Minimum credit score:<\/strong> 650<\/p>\n<p><strong>Terms: <\/strong>Five to 20 years<\/p>\n<p><strong>APR:<\/strong> Fixed and variable<\/p>\n<p><strong>Maximum loan amount:<\/strong> $500,000<\/p>\n<p><strong>Pros:<\/strong><\/p>\n<ul>\n<li>Competitive rates<\/li>\n<li>Ability to choose your own monthly payment and pay your loans off early with the Precision Pricing program<\/li>\n<\/ul>\n<p><strong>Cons:<\/strong><\/p>\n<ul>\n<li>No cosigner release<\/li>\n<li>Not available in all 50 states<\/li>\n<\/ul>\n<h3><strong>Laurel Road: Best for borrowers pursuing health care degrees<\/strong><\/h3>\n<p>Laurel Road is a part of KeyBank and offers refinancing for undergraduate, graduate and some associate\u2019s degrees.\u00a0\u00a0<\/p>\n<p><strong>Minimum credit score:<\/strong> Not disclosed\u00a0<\/p>\n<p><strong>Terms:<\/strong> Five, seven, 10, 15 and 20 years<\/p>\n<p><strong>APR:<\/strong> Fixed and variable<\/p>\n<p><strong>Maximum loan amount:<\/strong> $50,000<\/p>\n<p><strong>Pros:<\/strong><\/p>\n<ul>\n<li>Special rates for certain medical professionals<\/li>\n<li>No application, disbursement or origination fees<\/li>\n<\/ul>\n<p><strong>Cons:<\/strong><\/p>\n<ul>\n<li>$50,000 maximum loan amount for associate\u2019s degrees in certain health care fields<\/li>\n<li>Short six-month grace period<\/li>\n<\/ul>\n<h3><strong>SoFi: Best for borrowers with excellent credit<\/strong><\/h3>\n<p>SoFi is known as the first lender to offer refinancing for federal and private loans together.\u00a0<\/p>\n<p><strong>Minimum credit score:<\/strong> Not disclosed\u00a0<\/p>\n<p><strong>Terms:<\/strong> Five, seven, 10, 15 and 20 years<\/p>\n<p><strong>APR: <\/strong>Fixed and variable<\/p>\n<p><strong>Maximum loan amount:<\/strong> $5,000 up to the full balance of your qualified education loans<\/p>\n<p><strong>Pros:<\/strong><\/p>\n<ul>\n<li>Competitive rates<\/li>\n<li>Academic, military and medical deferment<\/li>\n<\/ul>\n<p><strong>Cons:<\/strong><\/p>\n<ul>\n<li>Must have good or excellent credit<\/li>\n<li>No cosigner release<\/li>\n<\/ul>\n<h2><strong>Methodology<\/strong><\/h2>\n<p>Credible looked at a number of factors to determine the best companies for refinancing student loans, including minimum fixed and variable interest rates, whether or not both types of rates are offered, loan terms, repayment options and fees. Other factors considered include discounts, customer experience, cosigner release, maximum undergraduate balance and maximum graduate balance.<\/p>\n<h2><strong>Student loan refinance FAQs<\/strong><\/h2>\n<h3><strong>How do you refinance federal student loans?<\/strong><\/h3>\n<p>If you have multiple federal student loans, you can consolidate them into a federal <u>Direct Consolidation Loan<\/u>. Your interest rate will be the average of all your loans combined, so you might not necessarily get a lower rate. The only way to <u>refinance federal loans<\/u> is through a private lender.<strong> <\/strong>But think carefully before you do: You\u2019ll no longer have access to federal benefits, like income-driven repayment plans and Public Service Loan Forgiveness. You may also miss out on any future relief programs.<\/p>\n<h3><strong>Can you refinance more than once?<\/strong><\/h3>\n<p>Yes \u2014 there\u2019s no limit to how many times you can refinance your student loans. While many people only refinance once, some refinance multiple times to save as much money as possible on their student loan debt. Just be aware that refinancing and extending the repayment term means you\u2019ll likely end up paying more in interest over the life of your loans.<\/p>\n<h3><strong>When\u2019s the best time to refinance?<\/strong><\/h3>\n<p>If you intend to refinance your student loans, it\u2019s a good idea to wait until you have good credit and a stable income. This can increase your chances of <u>landing a low rate<\/u> that saves you the most money. You may also want to consider refinancing if rates are lower than usual or you only have private student loans because you won\u2019t have to worry about losing any federal protections.<\/p>\n<h3><strong>What\u2019s the average student loan refinance rate?<\/strong><\/h3>\n<p>From 2006 through 2021, average federal student loan interest rates were 4.66% for undergraduates, 6.22% for graduate students and 7.27% for parents and graduate students taking out Direct PLUS Loans.<\/p>\n<h3><strong>Can refinancing student loans hurt your credit?<\/strong><\/h3>\n<p>Refinancing your student loans shouldn\u2019t impact your credit too much. While a hard credit check may temporarily bring down your score, it\u2019ll only be by a few points. If you submit several refinancing applications in a short time period, however, your credit score may take a bigger hit.<\/p>\n<h3><strong>Are there any downsides to refinancing student loans?<\/strong><\/h3>\n<p>The greatest disadvantage of refinancing your federal student loans through a private student loan lender is giving up your federal protections, like <u>income-driven repayment plans<\/u>. Another drawback is that refinancing often requires a good credit score and stable income.<\/p>\n<h3><strong>Are there any costs associated with refinancing?<\/strong><\/h3>\n<p>You typically won&#8217;t have to pay any money upfront to refinance your student loans. Depending on the lender you choose, you may be on the hook for late fees, prepayment penalties and other fees, though.<\/p>\n<h3><strong>What credit score do you need to refinance your student loans?\u00a0<\/strong><\/h3>\n<p>Every lender has its own credit score requirements. But in most cases, you\u2019ll need a fairly high credit score to refinance your student loans. If your credit is on the low side, you may want to work to boost your score before you apply to refinance.<\/p>\n<p>If you\u2019re ready to refinance your student loans, use Credible to <u>compare private student loan rates<\/u>.<\/p>\n<\/div>\n<p>Read the full article <a href=\"https:\/\/www.foxbusiness.com\/personal-finance\/best-student-loan-refinance-companies\" target=\"_blank\" rel=\"noopener\">here<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Our goal here at Credible Operations, Inc., NMLS Number 1681276, referred to as &#8220;Credible&#8221; below, is to give you the tools and confidence you need to improve your finances. Although we do promote products from our partner lenders who compensate us for our services, all opinions are our own. If you have student loan debt, [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":29880,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[240],"tags":[83],"class_list":["post-29879","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-loans","tag-featured"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>13 best student loan refinance companies of 2023 | iFintechWorld<\/title>\n<meta name=\"description\" content=\"Our goal here at Credible Operations, Inc., NMLS Number 1681276, referred to as &quot;Credible&quot; below, is to give you the tools and confidence you need to\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/ifintechworld.com\/?p=29879\" 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