Analyzing your situation…
Applying 2026 federal policy rules to your loan profile…
This usually takes 15–20 seconds on your first visit.
Current federal update: SAVE remains unavailable under the court actions. If you want the official status page or background, start with the SAVE guide.
Analyzing your situation…
Applying 2026 federal policy rules to your loan profile…
This usually takes 15–20 seconds on your first visit.
Compare rates, features, and eligibility across the top private refinancing lenders. Rates shown are representative, and your actual rate depends on your credit score, income, and loan details.
Read this before you refinance
Refinancing federal student loans into a private loan is permanent. You give up income-driven repayment, PSLF, federal deferment and forbearance, and any future federal forgiveness programs. Refinancing only tends to make sense when you are comfortable giving up those protections. Read the full tradeoff guide
Not sure whether refinancing fits your situation? Start with the assessment if you want a quick read on federal tradeoffs before you compare lenders.
Start assessmentEducation Loan Finance — competitive rates, dedicated loan advisors
Rate range
4.86% – 8.49% APR
Min. credit score
680+
Loan range
$10K – $500K
Soft credit check · No commitment
Precision pricing with biweekly payment option to pay off faster
Rate range
4.99% – 9.74% APR
Min. credit score
650+
Loan range
$5K – $500K
Soft credit check · No commitment
Member benefits including career coaching and financial planning
Rate range
4.99% – 9.99% APR
Min. credit score
650+
Loan range
$5K – $500K
Soft credit check · No commitment
Specialized in healthcare professionals with residency refinancing
Rate range
5.24% – 9.75% APR
Min. credit score
660+
Loan range
$5K – $500K
Soft credit check · No commitment
Marketplace lender — matches you with multiple credit unions
Rate range
4.96% – 10.99% APR
Min. credit score
640+
Loan range
$5K – $500K
Soft credit check · No commitment
The assessment can help you sort through loan type, employment, income, and forgiveness risks before you apply anywhere.
Start assessmentRates are sourced from each lender's public website as of April 2026 and are subject to change. StudentDebt.ai earns affiliate compensation when you apply through marked links. This does not influence which lenders are listed or how they are ranked. Lenders are listed with active affiliate partners first, then alphabetically.