Consolidating loan private
Our research, news, ratings, and assessments are scrutinized using strict editorial integrity.
Our editorial staff does not receive direction from advertisers on our website or our Partnerships Team.
Our company may receive compensation from partners seen on our website. Deciding where to refinance your student loans can be difficult.
We help borrowers compare the best refinance and consolidation companies in one place.
Variable rates from 2.570% APR to 6.980% APR (with Auto Pay).
Note: In the following review boxes, "Cosigner Release" refers to removing the cosigner on your refinanced loan, if you have one.
If you don’t meet the requirements of a certain lender, a creditworthy cosigner can increase your approval odds and help you receive a lower interest rate.
In this guide: Each student loan refinance lender has its own specific underwriting criteria, so your approval odds may be higher at one lender than another.
The benefit will discontinue and be lost for periods in which you do not pay by automatic deduction from a savings or checking account.
*To check the rates and terms you qualify for, So Fi conducts a soft credit inquiry.