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Refinance Student Loans: Compare Top 9 Lenders Now

Lender Best for Loan amount Credit score required
Sofi Best overall for refinancing $5,000 Good or Excellent score needed
Splash Financial Best with a cosigner $5,000 650 for solo applicants, 660 with a cosigner.
Earnest Best for repayment flexibility $5,000 650
CommonBond Best for social impact $5,000 660
Laurel Road Best for borrowers sith savings $5,000 660
Lendkey Best for fielding loan offers $2,000 680
NaviRefi Best for a federal loan-like experience $5,001 650
Education Loan Finance Best for larger balances $15,000 680
PenFed Credit Union Best for spousal, parent loan consolidation $7,500 700 to refinance alone, 670 to refinance with a spouse or other cosigner

Our recommended lenders allow you to check eligibility and view individualized fixed and variable rates without submitting to a hard credit check. They also advertise competitively low APRs, thanks to no-fee policies and autopay discounts. Other than what they have in common, these lenders are uniquely “best” for certain borrowers or situations.

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