Refinance your student loans

Here's how to refinance student loans

To qualify, you’ll need: – Credit scores at least in the high 600s – ideally higher. – A steady income. – If you fall short on either, you might need a co-signer who qualifies.

Compare lender rates, requirements and features – 

– Shop for lenders that serve your state. – Click “Details” to see requirements and available terms. – Review pros, cons and NerdWallet’s rating. – Click “Check Rates” to apply on the lender’s site.

Consider prequalifying to compare offers

– Prequalifying won’t affect your credit score. – Supply basic information such as your school, income and loan amounts.

– Choose an offer and complete your application on the lender's site.

1. Loan or payoff verification statements. 2. Proof of employment (W-2 form, recent pay stubs, tax returns). 3. Proof of residency

Complete your application

1. Proof of graduation. 2. Government-issued ID.

Complete your application

– Minimum fixed interest rate  - 4.13%. – Maximum fixed interest rate - 8.25%.

Current student loan refinance rates