Current federal update: SAVE is no longer available for new enrollment, and affected borrowers should watch for July 1, 2026 repayment-plan notices. Start with the SAVE guide.

Student Loan Refinancing Savings Calculator

See how much you could save by refinancing to a lower rate over the same remaining term, before giving up federal protections.

Important: Refinancing federal loans into private loans means giving up IBR, PSLF, and other federal protections. Use this calculator only after you have already decided that refinancing is worth exploring. Start with the assessment first.

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