Best Student Loan Refinancing Lenders 2026

Compare rates, terms, and perks to find the best lender for your situation. Rates updated March 2026.

Lender	Fixed APR	Variable APR	Min Credit	Best For	Get Rate
SoFi ⭐ Editor's Pick	4.49%–9.99%	5.99%–9.99%	650+	Unemployment protection, career coaching	Check Rate
Earnest Best flexibility	4.59%–9.74%	5.89%–9.74%	650+	Custom payment & term control	Check Rate
Laurel Road Best for healthcare	4.99%–10.49%	5.49%–10.49%	660+	Doctors, nurses, dentists	Check Rate
Splash Financial Best low rates	4.39%–10.24%	5.29%–10.24%	640+	Multiple lender marketplace	Check Rate
ELFI Best service	4.79%–9.99%	5.49%–9.99%	680+	Dedicated personal advisor	Check Rate

💰 Use Our Calculator First

Before choosing a lender, calculate exactly how much you'll save with our Student Loan Payoff Calculator.

Refinancing federal loans into private loans permanently eliminates:

Only refinance federal loans if: You work in the private sector, have a stable income, and are confident you won't need federal protections.

Good candidates: Private loan borrowers, high earners with stable jobs, borrowers with 700+ credit scores, those with rates above 6%.

Should wait: Anyone pursuing PSLF, borrowers on IDR plans, those with unstable income, recent graduates (wait 1-2 years to build credit).