Earnest offers rates that are among the lowest in the industry, and they are known for offering incredibly flexible repayment terms, plus added protections and top-notch customer service. Earnest also gets extra points for offering lifetime loan servicing, meaning your loans won’t be re-sold to a third party.

• 5.15%* starting interest rates on variable loans
• 4.96%* starting interest rates on fixed loans
• Save money on your student loans by refinancing with Earnest
• Extremely flexible loan terms allow you to pick your payment and repay anywhere from 5 to 20 years
• Consolidate federal or private loans
• Non-traditional credit check considers a broader range of factors
• Lifetime loan servicing (no third parties)
• 12 months of unemployment protection (3 months at a time)
• Ability to skip a payment every 12 months, after 6 months of payments
• Minimum $5,000 balance to refinance
• No origination, prepayment, or other hidden fees

As a newer lender in the market, Earnest offers flexible underwriting that is based on a number of factors not generally included in a traditional credit check.

Citizens is a National Lender with over forty years in the Student Lending business. Citizens offers fixed or variable rate student loan refinancing up to $750,000 (maximums vary based on degree type) and you can choose from flexible repayment terms. Choose from 5, 7, 10, 15 and 20 year repayment periods.₁ Borrowers can qualify for automatic payment and loyalty discounts that can reduce your interest rate up to .50 percent. Citizens Rate Quote tool provides personalized rates in less than two minutes.

Generous borrowing limits and flexible repayment terms ^†

– Bachelors Degree or below: $300,000
– Graduate Degree & Parent Loan: $500,000
– Professional Degree: $750,000

• Borrowers choose from 5, 7, 10, 15 and 20 year terms ₁
• No application, origination, disbursement or prepayment fees
• Rate Quote tool provides personalized rates in less than two minutes
• Up to .50% interest rate reduction with automatic payment ^† and loyalty discounts ^†

Borrowers can qualify for automatic payment and loyalty discounts that can reduce your interest rate up to .50 percent. Citizens Rate Quote tool provides personalized rates in less than two minutes.

The Reset Refinance Loan offered by ISL Education Lending features great rate and repayment options for borrowers looking to refinance student loans.

• No origination, prepayment or late fees
• 6.94%* starting APR on fixed-rate loans when using the auto-debit program
• Refinancing available for federal (including parent PLUS loans) and private education loans
• Options to postpone repayment for qualifying financial hardships or repay with graduated repayment plans for longer terms available
• Lifetime loan servicing with one company
• Cosigner release available
• Pre-qualify in a minute with no impact to your credit

A Midwest nonprofit focused on outstanding customer service, ISL Education Lending has perfected student loan servicing during the past 40 years. Their application is streamlined and can be completed easily in 15 minutes or less. And student loan borrowers who did not earn a college degree can refinance with the Reset Loan with no rate penalty.

LendKey offers a network of not-for-profit local and regional credit unions and community banks for students looking to refinance their student loans. They act as a marketplace, allowing borrowers to get pre-qualified rates from multiple local and regional lenders and then choose the best fit.

• 4.76%* starting interest rates on variable loans
• 4.49%* starting interest rates on fixed loans
• Choose from fixed and variable rates in 5, 7, 10, 15, 20 year terms
• *275+ not-for-profit and community lenders to choose from mean higher chances for approval and lower rates
• Available for private and federal, undergraduate and grad school student loans
• 0.25% Interest Rate Reduction with automatic payments
• *Interest only repayment option available for up to first four years of repayment
• *Largest unemployment protection period in the market at 18 months
• No origination fees or prepayment penalties
• Cosigner release available after 12 monthly payments
• No handoffs ever, you stay with LendKey from application to final payment
• 97% borrower satisfaction shows our best in class customer service

Once your loan is approved and processed by the credit union of your choice, LendKey does act as your loan servicer–and they stick with your loan for life, rather than selling it off to a third-party. They also offer some of the lowest rates in the industry.

Credible operates as a comparison tool for student loan refinance options. In just a few minutes, students can get rate offers and compare loan terms from multiple lenders.

In addition, Credible offers top-notch customer support by phone, email, or live chat. If you’ve got questions about your student loan refinance, they can help you answer it.

• 4.78%* starting interest rates on variable loans
• 4.40%* starting interest rates on fixed loans.
• 5 – 20 year terms available
• Consolidate federal and private loans
• $5,000+ balances for refinance
• No origination, prepayment, or other hidden fees

But, that’s where Credible’s role ends. Once you’ve completed your loan, it will be serviced by the lender that you’ve chosen which may mean your loan is sold off to third parties in the future. So, be sure to do your research into all aspects of the loan. Despite that, the service is incredibly valuable in allowing borrowers to quickly and easily compare rates and terms from multiple lenders and then choose the right one.

Education Loan Finance (also known as ELFI) is a division of SouthEast Bank, based in Tennessee, designed specifically to help borrowers with refinancing their student loans. Refinancing with ELFI is a great option for borrowers that value customer service. One of the highlights is that ELFI gives you access to your own Student Loan Advisor to help you through the process.

• Prequalify to estimate your rate without affecting your credit score
• Submit online application in minutes.
• No application fees, origination fees, or prepayment penalties
• Low rates and flexible repayment terms to fit your needs and goals
• Student Loan Advisor to guide you through the application process