{"id":221787,"date":"2025-05-04T00:15:08","date_gmt":"2025-05-04T00:15:08","guid":{"rendered":"https:\/\/peraltafinancing.com\/business\/finance\/best-student-loan-refinance-companies-of-may-2025\/"},"modified":"2025-05-04T00:15:08","modified_gmt":"2025-05-04T00:15:08","slug":"best-student-loan-refinance-companies-of-may-2025","status":"publish","type":"post","link":"https:\/\/fivemor.com\/?p=221787","title":{"rendered":"Best Student Loan Refinance Companies of May 2025"},"content":{"rendered":"<p> <br \/>\n<\/p>\n<div>\n<div class=\"ca-pcu-inline  has-ad-icon    money-embed-ca\" data-pcu-render-at-=\"2025-05-04T00:15:08Z\" id=\"ap50214-ww\">\n<div id=\"ap50214-ww-indicator\">\n<div id=\"ap50214-ww-indicator-wrapper\"><span id=\"ap50214-ww-text\">Ads by Money. We may be compensated if you click this ad.<\/span><span id=\"ap50214-ww-label\">Ad<\/span><span id=\"ap50214-ww-icon\"><img loading=\"lazy\" decoding=\"async\" alt=\"Ads by Money disclaimer\" height=\"16\" width=\"16\" src=\"https:\/\/s3.money.com\/prd\/image\/image\/15240\/163e573e-202a-466a-b8b8-93da65db2b13.png\"\/><\/span><\/div>\n<\/div>\n<\/div>\n<p>Refinancing your student loans can help some borrowers pay off their debt quicker and save money in the long run. And it may be a good time to pursue the strategy: As the Federal Reserve started <a href=\"https:\/\/money.com\/september-fed-rate-cut-effects\/\" target=\"_blank\" rel=\"noopener\">cutting its benchmark interest rate<\/a> last year, student loan refinance rates gradually ticked down, though they are still not as low as they were a few years ago.<\/p>\n<h2>What to know about student loan refinance<\/h2>\n<ul>\n<li>When you refinance, you replace your existing student loan(s) with a new loan that has either a lower interest rate, a lower monthly payment or, ideally, both.<\/li>\n<li>When you refinance federal loans, you turn them into private loans and you lose access to exclusive benefits and repayment terms. Refinancing your student debt could help you save money, but borrowers with federal student loans need to weigh the pros and cons carefully.<\/li>\n<li>See industry insights and a comprehensive <a href=\"#guide\">guide on when to refinance student loans here<\/a>.<\/li>\n<\/ul>\n<h2>How we picked our winners<\/h2>\n<p>Our edit team has been covering student loans (and student loan refinance) for the better part of a decade. Our writers and editors independently analyzed and vetted student loan refinance products, focusing on eligibility, perks, interest rates and fees, to determine which lenders stand out. (See our methodology <a href=\"#methodology\">here<\/a>.)<\/p>\n<p>If you&#8217;re looking for more information on in-school loans to pay for college, see our picks for <a href=\"https:\/\/money.com\/student-loans\/\" target=\"_blank\" rel=\"noopener\">best student loans<\/a>.<\/p>\n<h2>Our top picks for the best student loan refinance companies of May 2025<\/h2>\n<ul>\n<li><a href=\"#risla\">RISLA<\/a> \u2013 Best for Borrower Protections<\/li>\n<li><a href=\"#credible\">Credible<\/a> &#8211; Best Student Loan Marketplace<\/li>\n<li><a href=\"#earnest\">Earnest<\/a> &#8211; Best for Flexible Repayment Terms<\/li>\n<li><a href=\"#mpower\">MPOWER Financing<\/a> \u2013 Best for International and DACA Students<\/li>\n<li><a href=\"#sofi\">SoFi<\/a>\u00ae \u2013 Best for Member Benefits<\/li>\n<li><a href=\"#laurel\">Laurel Road<\/a> &#8211; Best for Medical Professionals<\/li>\n<\/ul>\n<div class=\"ca-pcu-inline  has-ad-icon    money-embed-ca\" data-pcu-render-at-=\"2025-05-03T21:09:48Z\" id=\"ap65042-ww\">\n<div id=\"ap65042-ww-indicator\">\n<div id=\"ap65042-ww-indicator-wrapper\"><span id=\"ap65042-ww-text\">Ads by Money. We may be compensated if you click this ad.<\/span><span id=\"ap65042-ww-label\">Ad<\/span><span id=\"ap65042-ww-icon\"><img loading=\"lazy\" decoding=\"async\" alt=\"Ads by Money disclaimer\" height=\"16\" width=\"16\" src=\"https:\/\/s3.money.com\/prd\/image\/image\/15240\/163e573e-202a-466a-b8b8-93da65db2b13.png\"\/><\/span><\/div>\n<\/div>\n<\/div>\n<div class=\"m00646-mc-pros-cons content-width money money-component-ca\">\n<div class=\"lits-cont pros\">\n<ul class=\"list\">\n<li>Income-based payment option&#13;\n                      <\/li>\n<li>Forbearance for financial hardships&#13;\n                      <\/li>\n<li>In-school refinancing available &#13;\n                      <\/li>\n<\/ul>\n<\/div>\n<div class=\"lits-cont cons\">\n<ul class=\"list\">\n<li>Only offers fixed-rate loans&#13;\n                      <\/li>\n<li>Maximum loan term is 15 years&#13;\n                      <\/li>\n<li>No cosigner release &#13;\n                      <\/li>\n<\/ul>\n<\/div>\n<\/div>\n<div class=\"m00646-mc-highlight-grid content-width money-component-ca\">\n<p>HIGHLIGHTS<\/p>\n<div class=\"highlight-list\">\n<dl class=\"highlight-item\">\n<dt>Minimum income requirements<\/dt>\n<dd>$40,000<\/dd>\n<\/dl>\n<dl class=\"highlight-item\">\n<dt>Minimum credit score<\/dt>\n<dd>No minimum credit score but lender conducts credit check<\/dd>\n<\/dl>\n<dl class=\"highlight-item\">\n<dt>Cosigner release<\/dt>\n<dd>No<\/dd>\n<\/dl>\n<dl class=\"highlight-item\">\n<dt>Loan amount<\/dt>\n<dd>$7,500 to $250,000<\/dd>\n<\/dl>\n<dl class=\"highlight-item\">\n<dt>Loan terms<\/dt>\n<dd>Immediate repayment: 5-,10- and 15-year terms | Deferred repayment: 15 years <\/dd>\n<\/dl>\n<dl class=\"highlight-item\">\n<dt>Eligible loan types<\/dt>\n<dd>Federal (both student and parent PLUS) and private loans<\/dd>\n<\/dl>\n<dl class=\"highlight-item\">\n<dt>Eligible degrees<\/dt>\n<dd>Bachelor&#8217;s and graduate degrees <\/dd>\n<\/dl>\n<dl class=\"highlight-item\">\n<dt>Allows refinance for non-graduates<\/dt>\n<dd>Yes<\/dd>\n<\/dl>\n<dl class=\"highlight-item\">\n<dt>Fees<\/dt>\n<dd>No application or origination fees. Late payment fee may apply<\/dd>\n<\/dl>\n<dl class=\"highlight-item\">\n<dt>Fixed interest rate<\/dt>\n<dd>3.99% &#8211; 8.29%<\/dd>\n<\/dl>\n<dl class=\"highlight-item\">\n<dt>Variable interest rate<\/dt>\n<dd>Unavailable<\/dd>\n<\/dl>\n<\/div>\n<\/div>\n<p>RISLA stands out from other lenders because of its borrower protection programs, including an income-based repayment option. Under this program, monthly payments will never exceed 15% of the borrower and cosigner\u2019s discretionary income. And if there is still a loan balance after 25 years on the repayment plan, RISLA will forgive the remainder. There&#8217;s also an economic hardship forbearance to help borrowers experiencing financial hardship, unemployment or disability manage their debt.<\/p>\n<p>See rates on <a href=\"https:\/\/money.com\/pr\/lf7621042243?ap_referrer=https%253A%252F%252Fmoney.com%252Fbest-student-loan-refinance%252F\" class=\"money-af\" rel=\"sponsored nofollow\">RISLA&#8217;s Secure Website &gt;&gt;<\/a><\/p>\n<hr\/>\n<div class=\"m00646-mc-pros-cons content-width money money-component-ca\">\n<div class=\"lits-cont pros\">\n<ul class=\"list\">\n<li>Compare multiple offers with soft credit check<\/li>\n<li>Parent and student loan refinancing &#13;\n                      <\/li>\n<li>$200 best rate guarantee&#13;\n                      <\/li>\n<\/ul>\n<\/div>\n<div class=\"lits-cont cons\">\n<ul class=\"list\">\n<li>Does not include all major lenders&#13;\n                      <\/li>\n<li>Repayment policies vary by company&#13;\n                      <\/li>\n<li>Loans serviced by third parties&#13;\n                      <\/li>\n<\/ul>\n<\/div>\n<\/div>\n<div class=\"m00646-mc-highlight-grid content-width money-component-ca\">\n<p>HIGHLIGHTS<\/p>\n<div class=\"highlight-list\">\n<dl class=\"highlight-item\">\n<dt>Minimum income requirements<\/dt>\n<dd>Varies by lender<\/dd>\n<\/dl>\n<dl class=\"highlight-item\">\n<dt>Minimum credit score<\/dt>\n<dd>Varies by lender<\/dd>\n<\/dl>\n<dl class=\"highlight-item\">\n<dt>Cosigner release<\/dt>\n<dd>Varies by lender<\/dd>\n<\/dl>\n<dl class=\"highlight-item\">\n<dt>Loan amounts<\/dt>\n<dd>$5,000 up to total balance<\/dd>\n<\/dl>\n<dl class=\"highlight-item\">\n<dt>Loan terms<\/dt>\n<dd>5-20 years<\/dd>\n<\/dl>\n<dl class=\"highlight-item\">\n<dt>Eligible loan types<\/dt>\n<dd>Federal (including student and Parent PLUS) and private<\/dd>\n<\/dl>\n<dl class=\"highlight-item\">\n<dt>Eligible degrees<\/dt>\n<dd>Undergraduate and graduate\/professional<\/dd>\n<\/dl>\n<dl class=\"highlight-item\">\n<dt>Allows refinance for non-graduates<\/dt>\n<dd>Dependent on lender<\/dd>\n<\/dl>\n<dl class=\"highlight-item\">\n<dt>Fees<\/dt>\n<dd>No origination or application. Late payment fees may apply.<\/dd>\n<\/dl>\n<dl class=\"highlight-item\">\n<dt>Fixed interest rate<\/dt>\n<dd>3.99% &#8211; 11.38% APR<\/dd>\n<\/dl>\n<dl class=\"highlight-item\">\n<dt>Variable interest rate<\/dt>\n<dd>4.37% &#8211; 12.37% APR<\/dd>\n<\/dl>\n<\/div>\n<\/div>\n<p>We chose Credible as our best student loan marketplace because its prequalification tool allows borrowers to check personalized rates from multiple lenders after filling out a single application. Credible partner lenders include <a href=\"https:\/\/money.com\/pr\/t5d209eb6157?ap_referrer=https%3A%2F%2Fmoney.com%2Fbest-student-loan-refinance%2F\" class=\"money-af\" rel=\"sponsored nofollow\">Citizens Bank<\/a>, <a href=\"https:\/\/money.com\/pr\/f16575e17843?ap_referrer=https%3A%2F%2Fmoney.com%2Fbest-student-loan-refinance%2F\" class=\"money-af\" rel=\"sponsored nofollow\">EdvestinU<\/a>, <a href=\"https:\/\/money.com\/pr\/ed56cddff69e?ap_referrer=https%3A%2F%2Fmoney.com%2Fbest-student-loan-refinance%2F\" class=\"money-af\" rel=\"sponsored nofollow\">ELFI<\/a>, <a href=\"https:\/\/money.com\/pr\/bb0914b9bdd3?ap_referrer=https%253A%252F%252Fmoney.com%252Fbest-student-loan-refinance%252F\" class=\"money-af\" rel=\"sponsored nofollow\">INvestEd<\/a>, <a href=\"https:\/\/money.com\/lendkey-student-loans-review\/\">LendKey<\/a>, <a href=\"https:\/\/money.com\/pr\/t2523e9ef9b8?ap_referrer=https%253A%252F%252Fmoney.com%252Fbest-student-loan-refinance%252F\" class=\"money-af\" rel=\"sponsored nofollow\">MEFA,<\/a> <a href=\"https:\/\/money.com\/pr\/lf7621042243?ap_referrer=https%253A%252F%252Fmoney.com%252Fbest-student-loan-refinance%252F\" class=\"money-af\" rel=\"sponsored nofollow\">RISLA<\/a> and <a href=\"https:\/\/money.com\/pr\/rdc0a878d74c?ap_referrer=https%253A%252F%252Fmoney.com%252Fbest-student-loan-refinance%252F\" class=\"money-af\" rel=\"sponsored nofollow\">SoFi<\/a>. All of Credible\u2019s partners offer competitive rates with no origination fees.<\/p>\n<p><a href=\"https:\/\/money.com\/credible-student-loan-refinance-review\/\" target=\"_blank\" rel=\"noopener\">See full Credible student loan refinance review&gt;&gt;<\/a><\/p>\n<p>See rates on <a href=\"https:\/\/money.com\/pr\/u9271f8f4b91?ap_referrer=https%3A%2F%2Fmoney.com%2Fbest-student-loan-refinance%2F\" class=\"money-af\" rel=\"sponsored nofollow\">Credible&#8217;s Secure Website &gt;&gt;<\/a><\/p>\n<hr\/>\n<div class=\"m00646-mc-pros-cons content-width money money-component-ca\">\n<div class=\"lits-cont pros\">\n<ul class=\"list\">\n<li>Customizable payments&#13;\n                      <\/li>\n<li>Monthly and biweekly payments available&#13;\n                      <\/li>\n<li>In-school refinancing available&#13;\n                      <\/li>\n<\/ul>\n<\/div>\n<div class=\"lits-cont cons\">\n<ul class=\"list\">\n<li>No cosigner releases &#13;\n                      <\/li>\n<li>Not available in Nevada<\/li>\n<li>High credit score required&#13;\n                      <\/li>\n<li>Variable-rate loans not available in all states&#13;\n                      <\/li>\n<\/ul>\n<\/div>\n<\/div>\n<div class=\"m00646-mc-highlight-grid content-width money-component-ca\">\n<p>HIGHLIGHTS<\/p>\n<div class=\"highlight-list\">\n<dl class=\"highlight-item\">\n<dt>Minimum income requirements<\/dt>\n<dd>Does not disclose<\/dd>\n<\/dl>\n<dl class=\"highlight-item\">\n<dt>Minimum credit score<\/dt>\n<dd>Minimum credit score of 665 (without a cosigner). Cosigners need a minimum credit score of 650.<\/dd>\n<\/dl>\n<dl class=\"highlight-item\">\n<dt>Cosigner release<\/dt>\n<dd>No<\/dd>\n<\/dl>\n<dl class=\"highlight-item\">\n<dt>Loan amount<\/dt>\n<dd>$5,000 up to $500,000<\/dd>\n<\/dl>\n<dl class=\"highlight-item\">\n<dt>Loan terms<\/dt>\n<dd>5-20 years<\/dd>\n<\/dl>\n<dl class=\"highlight-item\">\n<dt>Eligible loan types<\/dt>\n<dd>Federal (including student and Parent PLUS) and private<\/dd>\n<\/dl>\n<dl class=\"highlight-item\">\n<dt>Eligible degrees<\/dt>\n<dd>Bachelor&#8217;s and graduate\/professional<\/dd>\n<\/dl>\n<dl class=\"highlight-item\">\n<dt>Allows refinance for non-graduates<\/dt>\n<dd>Yes, if the student is in the last semester before graduation<\/dd>\n<\/dl>\n<dl class=\"highlight-item\">\n<dt>Fees<\/dt>\n<dd>No origination or application fees. Late payment fees may apply. <\/dd>\n<\/dl>\n<dl class=\"highlight-item\">\n<dt>Fixed interest rate<\/dt>\n<dd>4.25% &#8211; 10.49% APR\u00a0(includes 0.25% autopay discount)<\/dd>\n<\/dl>\n<dl class=\"highlight-item\">\n<dt>Variable interest rate<\/dt>\n<dd>5.88% &#8211; 10.49% (includes 0.25% autopay discount) | Not available in Alaska, Illinois, Minnesota, New Hampshire, Ohio, Tennessee or Texas<\/dd>\n<\/dl>\n<\/div>\n<\/div>\n<p>Earnest is our top pick for customizing loan repayment due to its flexible payment options, which is unique among lenders. Earnest allows borrowers to pick the monthly payment that fits their budget, and sets the repayment term based on that amount (even if it results in an uncommon number like 7.5 years).<\/p>\n<p><a href=\"https:\/\/money.com\/earnest-student-loan-refinance-review\/\">Read full Earnest student loan refinance review&gt;&gt;<\/a><\/p>\n<p>See rates on <a href=\"https:\/\/money.com\/pr\/u06c5930254e?ap_referrer=https%3A%2F%2Fmoney.com%2Fbest-student-loan-refinance%2F\" class=\"money-af\" rel=\"sponsored nofollow\">Earnest&#8217;s Secure Website &gt;&gt;<\/a><\/p>\n<hr\/>\n<div class=\"m00646-mc-pros-cons content-width money money-component-ca\">\n<div class=\"lits-cont pros\">\n<ul class=\"list\">\n<li>Only lender that offers refinancing options for international students&#13;\n                      <\/li>\n<li>Borrowers build U.S. credit history with their loan payments&#13;\n                      <\/li>\n<li>Accepts DACA recipients, refugees and asylum seekers with a valid visa&#13;\n                      <\/li>\n<li>Accepts international applicants without cosigner or credit history&#13;\n                      <\/li>\n<\/ul>\n<\/div>\n<div class=\"lits-cont cons\">\n<ul class=\"list\">\n<li>Origination and currency conversion fees apply&#13;\n                      <\/li>\n<li>High interest rates&#13;\n                      <\/li>\n<li>A single repayment term&#13;\n                      <\/li>\n<li>No refinance options for borrowers with unfinished degrees&#13;\n                      <\/li>\n<\/ul>\n<\/div>\n<\/div>\n<div class=\"m00646-mc-highlight-grid content-width money-component-ca\">\n<p>HIGHLIGHTS<\/p>\n<div class=\"highlight-list\">\n<dl class=\"highlight-item\">\n<dt>Minimum income requirements<\/dt>\n<dd>Does not disclose<\/dd>\n<\/dl>\n<dl class=\"highlight-item\">\n<dt>Minimum credit score<\/dt>\n<dd>Does not disclose<\/dd>\n<\/dl>\n<dl class=\"highlight-item\">\n<dt>Cosigner release<\/dt>\n<dd>Not applicable<\/dd>\n<\/dl>\n<dl class=\"highlight-item\">\n<dt>Loan amount<\/dt>\n<dd>$2,001- $100,000<\/dd>\n<\/dl>\n<dl class=\"highlight-item\">\n<dt>Loan terms<\/dt>\n<dd> 10-year<\/dd>\n<\/dl>\n<dl class=\"highlight-item\">\n<dt>Eligible loan types<\/dt>\n<dd> International, federal and private loans<\/dd>\n<\/dl>\n<dl class=\"highlight-item\">\n<dt>Eligible degrees<\/dt>\n<dd> Undergraduate and graduate<\/dd>\n<\/dl>\n<dl class=\"highlight-item\">\n<dt>Allows refinance for non-graduates<\/dt>\n<dd>No<\/dd>\n<\/dl>\n<dl class=\"highlight-item\">\n<dt>Fees<\/dt>\n<dd>2.00% origination fee. Foreign currency exchange rate fee and late payment fees may apply.<\/dd>\n<\/dl>\n<dl class=\"highlight-item\">\n<dt>Fixed interest rate<\/dt>\n<dd>9.99% with autopay discount (11.52% APR incorporating fees).<\/dd>\n<\/dl>\n<dl class=\"highlight-item\">\n<dt>Variable interest rate<\/dt>\n<dd>Not available<\/dd>\n<\/dl>\n<\/div>\n<\/div>\n<p>MPower Financing is a public benefit corporation that specializes in financing higher education for international students. Most lenders require borrowers to be U.S. citizens or permanent residents to qualify for student loan refinancing, but MPOWER will allow borrowers to refinance loans originated in several countries, including Australia, Austria, Brazil, the Dominican Republic, Germany, India, Kenya, Mexico, Nigeria, Philippines, South Korea, Switzerland, Spain, the U.K. and the U.S.<\/p>\n<p><a href=\"https:\/\/money.com\/mpower-financing-student-loan-refinance-review\/\" target=\"_blank\" rel=\"noopener\">Read full MPower student loan refinance review&gt;&gt;<\/a><\/p>\n<p>See rates on <a href=\"https:\/\/money.com\/pr\/e873aa3007ec?ap_referrer=https%253A%252F%252Fmoney.com%252Fbest-student-loan-refinance%252F\" class=\"money-af\" rel=\"sponsored nofollow\">MPower Financing&#8217;s Secure Website &gt;&gt;<\/a><\/p>\n<hr\/>\n<div class=\"m00646-mc-pros-cons content-width money money-component-ca\">\n<div class=\"lits-cont pros\">\n<ul class=\"list\">\n<li>Rate discounts for members<\/li>\n<li>Financial coaching and other benefits<\/li>\n<li>Special payment plans for medical residency&#13;\n                      <\/li>\n<li>Parent loan refinancing available&#13;\n                      <\/li>\n<\/ul>\n<\/div>\n<div class=\"lits-cont cons\">\n<ul class=\"list\">\n<li>High credit score needed for lowest rates<\/li>\n<li>Loans serviced through a third party<\/li>\n<li>Bar exam loans for lawyers and medical residency loans aren&#8217;t eligible for refinancing&#13;\n                      <\/li>\n<li>Does not allow cosigner releases&#13;\n                      <\/li>\n<\/ul>\n<\/div>\n<\/div>\n<div class=\"m00646-mc-highlight-grid content-width money-component-ca\">\n<p>HIGHLIGHTS<\/p>\n<div class=\"highlight-list\">\n<dl class=\"highlight-item\">\n<dt>Minimum income requirements<\/dt>\n<dd>Does not disclose<\/dd>\n<\/dl>\n<dl class=\"highlight-item\">\n<dt>Minimum credit score<\/dt>\n<dd>650<\/dd>\n<\/dl>\n<dl class=\"highlight-item\">\n<dt>Cosigner release<\/dt>\n<dd>No<\/dd>\n<\/dl>\n<dl class=\"highlight-item\">\n<dt>Loan amount<\/dt>\n<dd>$5,000 up to total balance<\/dd>\n<\/dl>\n<dl class=\"highlight-item\">\n<dt>Loan terms<\/dt>\n<dd>5, 7, 10, 15 years<\/dd>\n<\/dl>\n<dl class=\"highlight-item\">\n<dt>Eligible loan types<\/dt>\n<dd>Federal (including student and Parent PLUS) and private<\/dd>\n<\/dl>\n<dl class=\"highlight-item\">\n<dt>Eligible degrees<\/dt>\n<dd>Associate, bachelor&#8217;s and graduate\/professional<\/dd>\n<\/dl>\n<dl class=\"highlight-item\">\n<dt>Allows refinance for non-graduates<\/dt>\n<dd>No<\/dd>\n<\/dl>\n<dl class=\"highlight-item\">\n<dt>Fees<\/dt>\n<dd>No origination, application or late fees.<\/dd>\n<\/dl>\n<dl class=\"highlight-item\">\n<dt>Fixed interest rate<\/dt>\n<dd>4.49% &#8211; 9.99% APR with all discounts<\/dd>\n<\/dl>\n<dl class=\"highlight-item\">\n<dt>Variable interest rate<\/dt>\n<dd>5.99% &#8211; 9.99% APR with all discounts<\/dd>\n<\/dl>\n<\/div>\n<\/div>\n<p>SoFi\u00ae stands out for its variety of membership perks. Anyone with a SoFi product (banking and investment services, personal loans, mortgage loans, credit and student loans) gets access to free financial coaching, estate planning discounts, networking events and more.<\/p>\n<p><a href=\"https:\/\/money.com\/sofi-student-loan-refinance-review\/\" target=\"_blank\" rel=\"noopener\">Read full SoFi student loan refinance review&gt;&gt;<\/a><\/p>\n<p>See rates on <a href=\"https:\/\/money.com\/pr\/rdc0a878d74c?ap_referrer=https%253A%252F%252Fmoney.com%252Fbest-student-loan-refinance%252F\" class=\"money-af\" rel=\"sponsored nofollow\">SoFi&#8217;s Secure Website &gt;&gt;<\/a><\/p>\n<hr\/>\n<div class=\"m00646-mc-pros-cons content-width money money-component-ca\">\n<div class=\"lits-cont pros\">\n<ul class=\"list\">\n<li>Low payments through the medical residency refinancing program&#13;\n                      <\/li>\n<li>Lower rates for eligible healthcare professionals&#13;\n                      <\/li>\n<li>Loan terms as long as 20 years&#13;\n                      <\/li>\n<\/ul>\n<\/div>\n<div class=\"lits-cont cons\">\n<ul class=\"list\">\n<li>Limited options for those with associate degrees&#13;\n                      <\/li>\n<li>Lowest rates require you to sign up for a bank account&#13;\n                      <\/li>\n<li>Loans serviced by Mohela, a third party company&#13;\n                      <\/li>\n<\/ul>\n<\/div>\n<\/div>\n<div class=\"m00646-mc-highlight-grid content-width money-component-ca\">\n<p>HIGHLIGHTS<\/p>\n<div class=\"highlight-list\">\n<dl class=\"highlight-item\">\n<dt>Minimum income requirements<\/dt>\n<dd>Does not disclose<\/dd>\n<\/dl>\n<dl class=\"highlight-item\">\n<dt>Minimum credit score<\/dt>\n<dd>Does not disclose<\/dd>\n<\/dl>\n<dl class=\"highlight-item\">\n<dt>Cosigner release<\/dt>\n<dd>Yes<\/dd>\n<\/dl>\n<dl class=\"highlight-item\">\n<dt>Loan amount<\/dt>\n<dd>$5,000 to total balance ($50,000 maximum for associate degrees)<\/dd>\n<\/dl>\n<dl class=\"highlight-item\">\n<dt>Loan terms<\/dt>\n<dd>5-20 years<\/dd>\n<\/dl>\n<dl class=\"highlight-item\">\n<dt>Eligible loan types<\/dt>\n<dd>Federal (including student and Parent PLUS) and private<\/dd>\n<\/dl>\n<dl class=\"highlight-item\">\n<dt>Eligible degrees<\/dt>\n<dd>Associate (some fields), bachelor&#8217;s and graduate\/professional<\/dd>\n<\/dl>\n<dl class=\"highlight-item\">\n<dt>Allows refinance for non-graduates<\/dt>\n<dd>No<\/dd>\n<\/dl>\n<dl class=\"highlight-item\">\n<dt>Fees<\/dt>\n<dd>No origination or application. Late payment fees may apply. <\/dd>\n<\/dl>\n<dl class=\"highlight-item\">\n<dt>Fixed interest rate<\/dt>\n<dd>4.99% &#8211; 8.90% (with autopay discount)<\/dd>\n<\/dl>\n<dl class=\"highlight-item\">\n<dt>Variable interest rate<\/dt>\n<dd>5.29% &#8211; 9.20% (with autopay discount)<\/dd>\n<\/dl>\n<\/div>\n<\/div>\n<p><em>Rates current as of May 2, 2025, rates subject to change. Terms and Conditions apply. All products are subject to credit approval. Please see all Laurel Road disclaimers <a href=\"https:\/\/www.laurelroad.com\/partnerships\/consumersadvocate\/#disclaimers.\" target=\"_blank\" rel=\"noopener\">here<\/a>.<\/em><\/p>\n<p>Laurel Road is an online lender specializing in student loan refinancing for doctors, offering lower rates for healthcare professionals. Plus, it has a program for individuals participating in a medical residency program that allows you to refinance your loans and pay just $100 per month for up to four years during your residency or fellowship.<\/p>\n<p><a href=\"https:\/\/money.com\/laurel-road-student-loan-refinance-review\/\" target=\"_blank\" rel=\"noopener\">See full Laurel Road student loan refinance review&gt;&gt;<\/a><\/p>\n<p>See rates on <a href=\"https:\/\/money.com\/pr\/u5942b93c5ce?ap_referrer=https%253A%252F%252Fmoney.com%252Fbest-student-loan-refinance%252F\" class=\"money-af\" rel=\"sponsored nofollow\">Laurel Road&#8217;s Secure Website &gt;&gt;<\/a><\/p>\n<div class=\"ca-pcu-inline content-width has-ad-icon    money-embed-ca\" data-pcu-render-at-=\"2025-05-03T21:09:48Z\" id=\"ap58239-ww\">\n<div id=\"ap58239-ww-indicator\">\n<div id=\"ap58239-ww-indicator-wrapper\"><span id=\"ap58239-ww-text\">Ads by Money. We may be compensated if you click this ad.<\/span><span id=\"ap58239-ww-label\">Ad<\/span><span id=\"ap58239-ww-icon\"><img loading=\"lazy\" decoding=\"async\" alt=\"Ads by Money disclaimer\" height=\"16\" width=\"16\" src=\"https:\/\/s3.money.com\/prd\/image\/image\/15240\/163e573e-202a-466a-b8b8-93da65db2b13.png\"\/><\/span><\/div>\n<\/div>\n<\/div>\n<h3>Other Companies We Considered<\/h3>\n<p>The companies reviewed below offer competitive student loan refinance interest rates and loan terms that may suit many borrowers. Readers will find short reviews that outline each lender&#8217;s pros and cons, as well as a highlights table listing loan terms and eligibility requirements. Finally, we explain why the company didn\u2019t make it into our top picks.<\/p>\n<h4>Splash Financial<\/h4>\n<p>Splash Financial offers competitive rates and an easy loan application. Like other marketplaces, policies and repayment terms will vary by lender. But unlike our top pick for marketplace, Splash doesn\u2019t offer added bonuses or incentives to use the platform.<\/p>\n<p>For more information, <a href=\"https:\/\/money.com\/splash-financial-student-loan-refinance-sites-review\/\">read our full review of Splash Financial&gt;&gt;<\/a><\/p>\n<p>See rates on <a href=\"https:\/\/money.com\/pr\/uf1233944334?ap_referrer=https%3A%2F%2Fmoney.com%2Fbest-student-loan-refinance%2F\" class=\"money-af\" rel=\"sponsored nofollow\">Splash Financial&#8217;s Secure Website &gt;&gt;<\/a><\/p>\n<hr\/>\n<h4>Navy Federal Credit Union<\/h4>\n<p>Navy Federal only services members of the military or those who have family or household members in the armed forces. By contrast, other credit unions allow any one to join.<\/p>\n<p><a href=\"https:\/\/money.com\/navy-federal-credit-union-student-loan-refinance-review\/\">See full Navy Federal student loan refinance review&gt;&gt;<\/a><\/p>\n<p>See rates on <a href=\"https:\/\/money.com\/pr\/i14de144ef56?ap_referrer=https%253A%252F%252Fmoney.com%252Fbest-student-loan-refinance%252F\" class=\"money-af\" rel=\"sponsored nofollow\">Navy Federal&#8217;s Secure Website &gt;&gt;<\/a><\/p>\n<hr\/>\n<h4>Citizens Bank<\/h4>\n<p>Citizens Bank has strict eligibility requirements. Borrowers need good to excellent credit to qualify, and the refinanced loan minimum is $10,000 \u2014 higher than other lenders require. Citizens Bank does have forbearance programs, but the lender says decisions are made on a case-by-case basis rather than having set requirements or durations.<\/p>\n<p>For more information, check out our <a href=\"https:\/\/money.com\/citizens-bank-student-loan-refinance-review\/\">full review of Citizens Bank&#8217;s refinancing options<\/a>.<\/p>\n<p>See rates on <a href=\"https:\/\/money.com\/pr\/t5d209eb6157?ap_referrer=https%253A%252F%252Fmoney.com%252Fbest-student-loan-refinance%252F\" class=\"money-af\" rel=\"sponsored nofollow\">Citizens Bank&#8217;s Secure Website &gt;&gt;<\/a><\/p>\n<h2>What to to know before refinancing your student debt<\/h2>\n<p>Students and parents may be able to <a href=\"https:\/\/money.com\/how-refinancing-student-loans-saves-money\/\">save money by refinancing<\/a>, especially during periods of low interest rates. But refinancing isn\u2019t a smart move for every borrower, so before taking that step, consider the implications of refinancing and if the outcome will be beneficial to your particular financial situation. For example, federal borrowers may score a lower interest rate but lose financial protections that could be crucial down the road.<\/p>\n<h3>How does refinancing student loans work?<\/h3>\n<p>When you refinance your student loan you are replacing your current loan with a new loan and new terms from a private lender. Generally, borrowers refinance student loans to extend their repayment period (and therefore lower monthly payments), obtain a lower interest rate so they\u2019ll pay less over the life of the loan or consolidate multiple student loans into one single payment. Some loan borrowers may find terms that achieve all three at once.<\/p>\n<p>You can only refinance student loans through a private lender, not the federal government. Experts caution people with federal loans to think very carefully about their situation before refinancing, because they\u2019ll be giving up federal benefits that come with government loans such as student loan forgiveness programs and income-driven repayment plans. If your student loan is from a private lender, there&#8217;s little downside to looking for better terms. You can refinance private student loans with your current lender or choose a different lender.<\/p>\n<h4>Student loan refinancing vs. Student loan consolidation<\/h4>\n<p>One of the benefits of refinancing through a private student loan lender is that borrowers can consolidate multiple loans into one and have a single monthly payment under one servicer. But this benefit is not limited to private lenders. Students with eligible federal loans can consolidate their debt with a <a href=\"https:\/\/studentaid.gov\/manage-loans\/consolidation\" target=\"_blank\" rel=\"noopener\">Direct Consolidation Loan<\/a>, though there are pros and cons with that process as well.<\/p>\n<h3>Should you refinance your student loans?<\/h3>\n<p>Refinancing your debt \u2014 whether <a href=\"https:\/\/money.com\/benefits-of-federal-student-loans-vs-private-student-loans\/\">federal or private student loans<\/a> \u2014 may save you money if you have high interest rates and a large monthly payment. However, it\u2019s not always the best financial move, especially for borrowers with federal loans.<\/p>\n<p>Refinancing a federal loan means converting it to a private lender. You&#8217;ll lose valuable benefits and protections, such as income-based loan repayment plans, Public Service Loan Forgiveness and interest subsidies. And, the process cannot be reversed. For many federal borrowers, enrolling in an income-driven repayment plan will be a better option, as those plans can reduce your monthly payment and offer loan forgiveness on any balance left over after a certain number of years.<\/p>\n<p>If you have a private student loan, there\u2019s no real downside to refinancing to get better terms. But you will need a good credit score and stable income (or a creditworthy cosigner) to qualify for refinancing. When weighing whether it makes sense for you, remember that lenders\u2019 lowest rates are reserved for borrowers with the strongest credit.<\/p>\n<h3>What to consider when refinancing a student loan<\/h3>\n<p>Before refinancing your loans, consider the following:<\/p>\n<h4>Federal student loans<\/h4>\n<p>With federal student loans, refinancing can help you secure a lower interest rate and possibly reduce your monthly payment. But federal loan refinancing can be risky because your federal loans will be transferred to a private lender. As a result, you\u2019ll no longer be eligible for borrower protections like federal income-driven repayment, Public Service Loan Forgiveness or Total and Permanent Disability Discharge.<\/p>\n<h4>Private student loans<\/h4>\n<p>When you refinance, the loans are switched to a new loan servicer. Private loan rates, policies and customer service varies by lender, so be careful about refinancing your loans.<\/p>\n<h3>Steps to refinance your student loans<\/h3>\n<p><a href=\"https:\/\/money.com\/how-to-refinance-student-loans\/\">Refinancing student loans<\/a> can be an excellent way to save money or accelerate your repayment, and it&#8217;s easier to do than you may think:<\/p>\n<h4>1. Check your credit<\/h4>\n<p>Student loan refinance lenders generally require borrowers to have good to excellent credit, meaning a score of 670 or higher, and to get the best student loan refinancing rates, you\u2019ll need an even better score. <a href=\"https:\/\/money.com\/guide-to-credit-scores-and-student-loan-refinance\/\">Check your credit<\/a> to see where you stand. If your credit is less-than-perfect or you have a high debt-to-income ratio, you may not even qualify for a loan unless you add a cosigner to your application.<\/p>\n<p>Not all refinancing companies offer cosigner releases, so review the lender\u2019s loan terms to see if a cosigner release is possible.<\/p>\n<h4>2. Consider the types of loans you have<\/h4>\n<p>If you have a mix of federal and private loans, remember that you don\u2019t have to refinance all of your debt. Although you can refinance private student loans and federal loans, you can opt to only refinance your private loans or your loans with the highest rates.<\/p>\n<h4>3. Shop for the best rate<\/h4>\n<p>Each lender has its own credit and income requirements, so you may qualify for better rates with some lenders over others. Shop around and request quotes from multiple companies to find the best deal. Many lenders have tools that allow you to view prequalified rates without affecting your credit score.<\/p>\n<p>Rates range based on your credit and loan term; the lowest rates are usually for the shorter repayment periods, such as five or seven years.<\/p>\n<h4>4. Research lender\u2019s financial hardship relief options<\/h4>\n<p>Not all refinancing lenders offer financial relief programs if you lose your job or become ill. And not all lenders will discharge your loans in cases of death or permanent disability. Carefully review the lender\u2019s forbearance, deferment and forgiveness policies so you know under what circumstances the lender will pause or forgive your loans.<\/p>\n<h4>5. Fill out your loan application<\/h4>\n<p>Student loan refinancing companies allow you to apply online. You\u2019ll need to provide your current loan statements, student loan account numbers and employment information. You\u2019ll also need to consent to a hard credit inquiry.<\/p>\n<h4>6. Sign your loan approval and start making monthly payments<\/h4>\n<p>Once you\u2019re approved, the lender will send you a loan agreement to review and sign. After that, the lender will work with your current loan servicers to pay off your student loans. Continue making your usual monthly payments until you receive confirmation that your loans have been paid in full; otherwise, you risk late payment fees and damage to your credit report.<\/p>\n<h3>How to refinance student loans with bad credit<\/h3>\n<p>If you have poor credit or no credit history, you will need a cosigner with a high credit score and steady source of income to qualify for a loan. (Most lenders require a minimum credit score around 650, but your cosigner will need a very good or excellent score to qualify for the best rates) Some lenders will allow you to apply for a cosigner release if you meet its requirements and make a specific number of payments on time, but not all lenders offer that option.<\/p>\n<p>If you don\u2019t have a cosigner to apply with, you\u2019ll have to <a href=\"https:\/\/money.com\/7-ways-to-improve-credit-score\/\">improve your credit<\/a> before applying to refinance.<\/p>\n<div class=\"m00646-mc-faqs content-width money money-component-ca\">\n<p><h2 class=\"mc-faqs-h2\">Best Student Loan Refinance Companies FAQ<\/h2>\n<\/p>\n<div class=\"m00646-mc-faqs-items\">\n<div class=\"m00646-mc-faqs-item m00646-mc-faqs-item-open\">\n<div class=\"m00646-mc-faqs-item-heading\">\n<h3 class=\"mc-faqs-h3\">What happens when you refinance student loans?<\/h3>\n<\/div>\n<p>When you refinance student loans, you are taking out a new loan, ideally one with better terms, to pay off your existing debt(s). With federal loans, you&#8217;ll have to leave the federal loan program and take out a private loan to refinance your debt, while refinancing private loans usually means switching lenders. Most borrowers look for a lower interest rate when refinancing.<\/p>\n<\/div>\n<div class=\"m00646-mc-faqs-item\">\n<div class=\"m00646-mc-faqs-item-heading\">\n<h3 class=\"mc-faqs-h3\">How often can you refinance student loans? <\/h3>\n<\/div>\n<p>There is no limit to how often you can refinance your loans. Some borrowers may find that they can qualify for lower rates later as the economy changes and their credit scores improve, so it can make sense to shop around once a year to see what loan options are available. <\/p>\n<\/div>\n<div class=\"m00646-mc-faqs-item\">\n<div class=\"m00646-mc-faqs-item-heading\">\n<h3 class=\"mc-faqs-h3\">How to refinance student loans with bad credit? <\/h3>\n<\/div>\n<p>If you have poor credit or no credit history, you will need a cosigner with a high credit score and steady source of income to qualify for a loan. Some lenders will allow you to apply for a cosigner release if you meet its annual income requirements and make a specific number of payments on time, but not all lenders offer that option. <\/p>\n<\/div>\n<div class=\"m00646-mc-faqs-item\">\n<div class=\"m00646-mc-faqs-item-heading\">\n<h3 class=\"mc-faqs-h3\">Who has the best student loan refinance rates?<\/h3>\n<\/div>\n<p>As of May 2025, you can find some of the lowest student loan refinance annual percentage rates (APRs) through Brazos Higher Education and RISLA, which offer fixed rate loans starting around 4%. However, other lenders may offer a lower rate for your specific situation, so it&#8217;s always smart to shop around.<\/p>\n<\/div>\n<div class=\"m00646-mc-faqs-item\">\n<div class=\"m00646-mc-faqs-item-heading\">\n<h3 class=\"mc-faqs-h3\">Is refinancing student loans worth it? <\/h3>\n<\/div>\n<p>Whether refinancing student loan debt is worth it depends on the existing rates of your loans, your credit and how long you have left to repay your loan balance. There is no fee to refinance your loans, so if you can reduce the interest rate, it can be an easy way to save a substantial amount of money. <\/p>\n<\/div>\n<\/div>\n<\/div>\n<h2>How we chose the Best Student Loan Refinance Companies<\/h2>\n<h3>Loan refinance selection<\/h3>\n<p>Some lenders didn\u2019t make our cut because they didn\u2019t offer a full range of refi options, such as for Parent PLUS student loans, which was a non-negotiable point in our criteria.<\/p>\n<h3>Payment options and fees<\/h3>\n<p>We favored companies with flexible payback policies, such as cosigner release and financial hardship relief options for qualified applicants. We also looked for financial institutions that offered refinance loans without charging origination fees or late fees. Additionally, we favored lenders who offered interest rate reductions for signing up for automatic student loan payments, or autopay programs.<\/p>\n<h3>Customer experience<\/h3>\n<p>When we researched each company on our shortlist, it was important for us to evaluate whether lenders had an inordinate number of complaints or any ongoing actions with regulatory agencies such as the Consumer Finance Protection Bureau.<\/p>\n<h2>Summary of Money\u2019s best student loan refinance companies of 2025<\/h2>\n<ul>\n<li><a href=\"#risla\">RISLA<\/a> \u2013 Best for Borrower Protections<\/li>\n<li><a href=\"#credible\">Credible<\/a> &#8211; Best Student Loan Marketplace<\/li>\n<li><a href=\"#earnest\">Earnest<\/a> &#8211; Best for Flexible Repayment Terms<\/li>\n<li><a href=\"#mpower\">MPOWER Financing<\/a> \u2013 Best for International and DACA Students<\/li>\n<li><a href=\"#sofi\">SoFi<\/a> \u2013 Best for Member Benefits<\/li>\n<li><a href=\"#laurel\">Laurel Road<\/a> &#8211; Best for Medical Professionals<\/li>\n<\/ul>\n<p><em><a href=\"https:\/\/money.com\/author\/andrea-agostini\" target=\"_blank\" rel=\"noopener\">Andrea Agostini Ferrer<\/a> and <a href=\"https:\/\/money.com\/author\/gabriella-cruz-martinez\" rel=\"noopener\">Gabriella Cruz-Martinez<\/a> contributed to previous versions of this story.<\/em><\/p>\n<\/p><\/div>\n\n","protected":false},"excerpt":{"rendered":"<p>Ads by Money. We may be compensated if you click this ad.Ad Refinancing your student loans can help some borrowers pay off their debt quicker and save money in the long run. And it may be a good time to pursue the strategy: As the Federal Reserve started cutting its benchmark interest rate last year, [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":221788,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[93],"tags":[11269,15805,34422,6763],"dealstore":[],"offerexpiration":[],"class_list":["post-221787","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-finance","tag-companies","tag-loan","tag-refinance","tag-student"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.4 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Best Student Loan Refinance Companies of May 2025 - Som2ny Network<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/fivemor.com\/?p=221787\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Best Student Loan Refinance Companies of May 2025 - Som2ny Network\" \/>\n<meta property=\"og:description\" content=\"Ads by Money. 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