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Do you have at least $15,000 in student loan debt?
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Refinance Student Loan Rates for Federal Education Loans

If you have federal student loans, you can refinance student loan rates for free without any credit checks required. Federal consolidation loans are a free program backed by the federal government, but the actual loans are still issued by private lenders. The federal government imposes maximum interest rates for federal consolidation loans, but there is no minimum interest rate. To qualify to refinance student loan rates with the federal program, you will need to have federal student loans that you have not previously consolidated. You must also be graduated or no longer enrolled in school more than half time. Federal loans that are eligible to refinance student loan rates include:

• Perkins loans
• Federal direct loans
• Subsidized and unsubsidized Stafford loans
• PLUS loans and Grad PLUS loans
• Supplemental Loans for Students
• Federally Insured Student Loans
• Health Professions Student Loans
• Health Education Assistance Loans
• Nursing Student Loans

Refinance Student Loan Rates for Private Education Loans

If you have loans that do not qualify for the federal consolidation program, you can still refinance student loan rates with a private consolidation loan. These loans are much like any other loan you would get from a private lender. You usually have to pay application and origination fees and will have to pass a credit check. You can also recruit a co-signer if you do not have sufficient credit or income to qualify. When you refinance student loan rates with a private consolidation loan, you can lower your monthly payments by as much as 45% in the first year. You will also enjoy a low, fixed introductory rate for the first year. If you refinance student loan rates with us, we also give you the option to release your co-signer from the agreement after you have made your first 48 payments on time. You can refinance student loan rates to extend your repayment period to up to 30 years. We also offer several ways to reduce your interest rate even further, including signing up for automatic withdrawal.

Still have questions? Check out our student loan FAQ page.