Refinance
Student loan refinance lenders
Direct lenders and marketplaces that refinance student loans. We list a rate only when we copy it from the lender's live page with the date we checked.
Before you refinance federal loans: Refinancing federal student loans with a private lender means you permanently lose access to federal benefits such as income-driven repayment, forgiveness programs, and federal deferment or forbearance.
Sources: Federal Student Aid, CFPB, Federal Student Aid
Advertiser disclosure: We may earn a commission if you check rates or get a loan through links on this page. This does not affect our recommendations. How we make money
PLACEHOLDER: Listed alphabetically. Rankings and picks publish after rates are verified and our methodology is approved.
| Lender | Type | APR range | Links |
|---|---|---|---|
| CredibleAn online marketplace where you can compare offers from several student loan lenders in one place.as of Oct 30, 2026, source | Marketplace | Check the lender's live page. We show rates only with an as-of date. | |
| EarnestA direct lender offering student loan refinancing and private student loans.as of Oct 30, 2026, source | Direct lender | Check the lender's live page. We show rates only with an as-of date. | |
| ELFIEducation Loan Finance, a direct lender offering student loan refinancing and private student loans.as of Oct 30, 2026, source | Direct lender | Check the lender's live page. We show rates only with an as-of date. | |
| KeyBank (formerly Laurel Road)Laurel Road moved under the KeyBank brand on March 16, 2026. Student loan refinancing is now offered as KeyBank.as of Oct 30, 2026, source | Direct lender | Check the lender's live page. We show rates only with an as-of date. | |
| SoFiA direct lender offering student loan refinancing and private student loans.as of Oct 30, 2026, source | Direct lender | Check the lender's live page. We show rates only with an as-of date. | |
| Splash FinancialAn online marketplace for student loan refinancing offers from partner lenders.as of Oct 30, 2026, source | Marketplace | Check the lender's live page. We show rates only with an as-of date. |