Refinance Your Student Loans

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There are many college graduates with student loans that cost as much as their monthly rent. Although a quality education is invaluable, no one should be stuck living in poverty because they decided to better themselves.

Fortunately, if you're one of the many Americans with student loans, it's possible to reduce the cost of those loans by a tremendous amount — simply by refinancing at a lower interest rate. Depending on your current payments, you may be able to cut your monthly bills by $100-400! That's almost a basic income.

Check out the student loan refinance options below and consider completing an application for several of them to see what rates they can offer you. To semi-quote a famous lizard, “15 minutes could save you a fortune”.

<div class="table-responsive-old"> <table class="table table-condensed cashbacks-table"> <thead> <tr> <th>Lender</th> <th>Interest Rates</th> <th>Loan Terms (Years)</th> <th class="button-th"></th> </tr> </thead> <tbody> <tr> <td class="cashbacks-visible"> <a target="_blank" href="/go/RefinanceStudentLoans/LendKey"> <img class="img-cashbacks" src="http://www.aricheryou.com/wp-content/uploads/2017/07/lendkey.png"> </a> </td> <td class="cashbacks-visible">2.66% - 7.26%<span id="subdetail-text">Interest Rates</span></td> <td class="cashbacks-visible">5, 7, 10, 15, 20<span id="subdetail-text">Loan Terms (Years)</span></td> <td class="cashbacks-visible signin-link-td"> <a target="_blank" href="/go/RefinanceStudentLoans/LendKey" class="signin-link">Check Rates</a> <span id="ebates-text">More Details</span> </td> </tr> <tr class="cashbacks-visible-details"> <td colspan="4" class="signin-link-td"> <h4>Overview</h4> LendKey works with non-profit credit unions around the country to provide borrowers with affordable rates. LendKey provides student loans for both undergraduate and graduate degrees, and walks you through the entire refinancing process to ensure that you are taken care of.  <h4 style="margin-top: 10px;">Details</h4> <ul> <li> Types of loans refinanced: Private and federal</li> <li> Variable rates: 2.66% - 6.06%</li> <li> Fixed rates: 3.25% - 6.74%</li> <li> Minimum lending amount: $7,500</li> <li> Credit Score: 680 minimum</li> <li> Income requirement: $24k minimum</li> <li> Soft credit check (doesn't impact your credit score)</li> <li> Unemployment protection: Loan payments paused for up to 18 months if you lose your job</li> <li> Works with non-profit credit unions, providing a higher chance of approval</li> </ul> </td> </tr> <div class="divider-div"></div> <tbody> <tr> <td class="cashbacks-visible"> <a target="_blank" href="/go/RefinanceStudentLoans/SoFi"> <img class="img-cashbacks" src="http://www.aricheryou.com/wp-content/uploads/2017/07/sofi.png"> </a> </td> <td class="cashbacks-visible">2.80% - 6.74%<span id="subdetail-text">Interest Rates</span></td> <td class="cashbacks-visible">5, 7, 10, 15, 20<span id="subdetail-text">Loan Terms (Years)</span></td> <td class="cashbacks-visible signin-link-td"> <a target="_blank" href="/go/RefinanceStudentLoans/SoFi" class="signin-link">Check Rates</a> <span id="ebates-text">More Details</span> </td> </tr> <tr class="cashbacks-visible-details"> <td colspan="4" class="signin-link-td"> <h4>Overview</h4> SoFi is a student loan refinance company that focuses on providing maximum value to its borrowers. In addition to offering great refinancing rates and no origination fees, SoFi also provides unemployment protection and an entrepreneur program -- both programs place your loan payments on hold during certain life events. <h4 style="margin-top: 10px;">Details</h4> <ul> <li> Types of loans refinanced: Private and federal</li> <li> Variable rates: 2.80% - 6.72%</li> <li> Fixed rates: 3.35% - 6.74%</li> <li> Minimum lending amount: $5,000</li> <li> Credit Score: Good or Excellent</li> <li> Income requirement: No minimum</li> <li> Soft credit check (doesn't impact your credit score)</li> <li> Unemployment protection: Loan payments paused if you lose your job; SoFi also assists with your job search</li> <li> Entrepreneur program: Loan deferrals and mentorship for qualified candidates starting a business</li> </ul> </td> </tr> <div class="divider-div"></div>  <tbody> <tr> <td class="cashbacks-visible"> <a target="_blank" href="/go/RefinanceStudentLoans/Earnest"> <img class="img-cashbacks" src="http://www.aricheryou.com/wp-content/uploads/2017/07/earnest.png"> </a> </td> <td class="cashbacks-visible">2.79% - 6.49%<span id="subdetail-text">Interest Rates</span></td> <td class="cashbacks-visible">5 - 20<span id="subdetail-text">Loan Terms (Years)</span></td> <td class="cashbacks-visible signin-link-td"> <a target="_blank" href="/go/RefinanceStudentLoans/Earnest" class="signin-link">Check Rates</a> <span id="ebates-text">More Details</span> </td> </tr> <tr class="cashbacks-visible-details"> <td colspan="4" class="signin-link-td"> <h4>Overview</h4> Earnest is one of the most convenient lenders for student loan refinancing. Determine a term and monthly payment that works well for you, pay back extra when you can, and skip a payment to make up later if necessary. Earnest helps you pay back your student loans on your terms. <h4 style="margin-top: 10px;">Details</h4> <ul> <li> Types of loans refinanced: Private and federal</li> <li> Variable rates: 2.79% - 6.72%</li> <li> Fixed rates: 3.35% - 6.74%</li> <li> Minimum lending amount:</li> <li> Credit Score: Any</li> <li> Income requirement: None</li> <li> Soft credit check (doesn't impact your credit score)</li> <li> Unemployment protection: Loan payments paused if you lose your job</li> <li> Enjoy the flexibility to select your own rate and terms -- for payback between 5 and 20 years</li> </ul> </td> </tr> <div class="divider-div"></div>  <tbody> <tr> <td class="cashbacks-visible"> <a target="_blank" href="/go/RefinanceStudentLoans/CommonBond"> <img class="img-cashbacks" src="http://www.aricheryou.com/wp-content/uploads/2017/07/CommonBond_Logo_Transparent.png"> </a> </td> <td class="cashbacks-visible">2.61% - 6.74%<span id="subdetail-text">Interest Rates</span></td> <td class="cashbacks-visible">5, 7, 10, 15, 20<span id="subdetail-text">Loan Terms (Years)</span></td> <td class="cashbacks-visible signin-link-td"> <a target="_blank" href="/go/RefinanceStudentLoans/CommonBond" class="signin-link">Check Rates</a> <span id="ebates-text">More Details</span> </td> </tr> <tr class="cashbacks-visible-details"> <td colspan="4" class="signin-link-td"> <h4>Overview</h4> CommonBond offers more than just student loan refinancing. They focus on building community through networking events, panels, and speaking events at cities across the country. Plus, for every funded loan they fund the education of a child in need. <h4 style="margin-top: 10px;">Details</h4> <ul> <li> Types of loans refinanced: Private and federal</li> <li> Variable rates: 2.79% - 6.72%</li> <li> Fixed rates: 3.35% - 6.74%</li> <li> Hybrid rates: 3.86% - 6.41%</li> <li> Minimum lending amount: $5,000</li> <li> Credit Score: 660 minimum</li> <li> Income requirement: None</li> <li> Soft credit check (doesn't impact your credit score)</li> <li> Unemployment protection: Loan payments paused if you lose your job</li> <li> When a loan is funded through CommonBond, they fund the education of a child in need</li> </ul> </td> </tr> <div class="divider-div"></div>  <tbody> <tr> <td class="cashbacks-visible"> <a target="_blank" href="/go/RefinanceStudentLoans/LaurelRoad"> <img class="img-cashbacks" src="http://www.aricheryou.com/wp-content/uploads/2017/07/laurel-road.png"> </a> </td> <td class="cashbacks-visible">3.76% - 7.20%<span id="subdetail-text">Interest Rates</span></td> <td class="cashbacks-visible">5, 7, 10, 15, 20<span id="subdetail-text">Loan Terms (Years)</span></td> <td class="cashbacks-visible signin-link-td"> <a target="_blank" href="/go/RefinanceStudentLoans/LaurelRoad" class="signin-link">Check Rates</a> <span id="ebates-text">More Details</span> </td> </tr> <tr class="cashbacks-visible-details"> <td colspan="4" class="signin-link-td"> <h4>Overview</h4> Laurel Road provides student and parent loan refinancing to graduates with a professional degree such as medical professionals, MBA graduates, law graduates, and PhD graduates.  <h4 style="margin-top: 10px;">Details</h4> <ul> <li> Types of loans refinanced: Private and federal (for professional degrees)</li> <li> Variable rates: 3.76% - 6.42%</li> <li> Fixed rates: 4.20% - 7.20%</li> <li> Minimum lending amount: $5,000</li> <li> Credit Score: 680 minimum</li> <li> Income requirement: None</li> <li> Soft credit check (doesn't impact your credit score)</li> <li> Provide student and parent loans to graduates of qualified degree programs: Post-residency Medical/Dental, MBA, Law, Physician Assistant, Advanced Nursing degree, Pharmacy, Engineering, PhD, etc)." <li></li> </ul> </td> </tr> <div class="divider-div"></div> <tbody> <tr> <td class="cashbacks-visible"> <a target="_blank" href="/go/RefinanceStudentLoans/CitzensBank"> <img class="img-cashbacks" src="http://www.aricheryou.com/wp-content/uploads/2017/07/Citizens_Bank_logo_wordmark.png"> </a> </td> <td class="cashbacks-visible">2.77% - 8.62%<span id="subdetail-text">Interest Rates</span></td> <td class="cashbacks-visible">5, 10, 15, 20<span id="subdetail-text">Loan Terms (Years)</span></td> <td class="cashbacks-visible signin-link-td"> <a target="_blank" href="/go/RefinanceStudentLoans/CitzensBank" class="signin-link">Check Rates</a> <span id="ebates-text">More Details</span> </td> </tr> <tr class="cashbacks-visible-details"> <td colspan="4" class="signin-link-td"> <h4>Overview</h4> Citizens Bank provides student loans with a variety of perks -- including an automatic payment discount of 0.25%, a loyalty discount of 0.25% (if your cosigner has a qualifying account with Citizens Bank), and a Cosigner release after 36 months of consecutive payments. <h4 style="margin-top: 10px;">Details</h4> <ul> <li> Types of loans refinanced: Private and federal</li> <li> Variable rates: 2.77% - 8.62%</li> <li> Fixed rates: 3.74% - 8.24%</li> <li> Minimum lending amount: $10,000</li> <li> Credit Score: 680 minimum</li> <li> Income requirement: $24k minimum</li> <li> Soft credit check (doesn't impact your credit score)</li> <li> Automatic payment discount</li> <li> Loyalty discount if your co-signer also has a loan with Citizens Bank</li> </ul> </td> </tr> <div class="divider-div"></div>  <tbody> <tr> <td class="cashbacks-visible"> <a target="_blank" href="/go/RefinanceStudentLoans/Elfi"> <img class="img-cashbacks" src="http://www.aricheryou.com/wp-content/uploads/2017/07/ELFIhorizontalWEB_082216-1.png"> </a> </td> <td class="cashbacks-visible">2.79% - 6.74%<span id="subdetail-text">Interest Rates</span></td> <td class="cashbacks-visible">5, 7, 10, 15, 20<span id="subdetail-text">Loan Terms (Years)</span></td> <td class="cashbacks-visible signin-link-td"> <a target="_blank" href="/go/RefinanceStudentLoans/Elfi" class="signin-link">Check Rates</a> <span id="ebates-text">More Details</span> </td> </tr> <tr class="cashbacks-visible-details"> <td colspan="4" class="signin-link-td"> <h4>Overview</h4> Elfi's team of student loan professionals focus on meeting customer's goals with flexible repayment plans. <h4 style="margin-top: 10px;">Details</h4> <ul> <li> Types of loans refinanced: Private and federal</li> <li> Variable rates: 2.79% - 6.72%</li> <li> Fixed rates: 3.35% - 6.74% <li> Hybrid rates: 3.86% - 6.41%</li> <li> Minimum lending amount: $5,000</li> <li> Credit Score: 660 minimum</li> <li> Income requirement: None</li> <li> Soft credit check (doesn't impact your credit score)</li> <li> Refinance parent loans in addition to student loans</li> </ul> </td> </tr> <div class="divider-div"></div>   </tbody> </table></div>