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Do you have at least $15,000 in student loan debt?
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About Refinancing

Student loan refinancing is also sometimes called student loan consolidation. Both terms refer to the combining of multiple student loans into one consolidation loan. You may choose to consolidate your loans for the sake of convenience or cost savings. For federal loan holders, you can refinance student loan rates for free with a federal consolidation loan. You will not need to pass a credit check or recruit a co-signer. Your consolidation loan will be issued by a private lender, but the program itself is sponsored by the federal government. If you have private student loans, you can also refinance student loan rates with a private consolidation loan. Private consolidation loans usually require a credit check and charge application and/or origination fees.

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Qualifying to Refinance

Qualifying to refinance student loan rates is easy. You just need to meet the following requirements:

• No longer enrolled in school more than half time
• Have never consolidated your student loans
• Loans are in repayment or grace period

You may have to meet additional requirements if you choose to refinance student loan rates for private education loans. If you cannot meet the requirements for a private consolidation loan, you may also choose to add a co-signer to the agreement.

Refinance Student Loan Rates: A Step-by-Step Guide

You can refinance student loan rates in four simple steps:

1. Fill out our free online application. Don't worry about finding the details of your student loans...our application asks only for basic information. You should be able to complete it in just a few minutes.
2. We will contact you within 15 minutes of receiving your application. If you applied during our normal business hours of 8 AM-10 PM EST, we will contact you within 15 minutes after you submit your application. We will complete the process via telephone.
3. We consolidate your loans. We refinance student loan rates by paying off your existing student loans with your new consolidation loan. This process may take several weeks to complete.
4. You make one payment per month to your consolidation service. Once your loans are consolidated, you will make one payment each month to your consolidation service.

Don't know if you qualify for refinancing? Learn about your student refinance eligibility here.