See exactly when you'll be debt-free, how much interest you'll pay, and how much refinancing saves.
No origination fees, no prepayment penalties. Check your rate in 2 minutes without affecting your credit score. Unemployment protection included.
Check Your Rate at SoFi →Choose your exact monthly payment and loan term. Rates from 4.59% APR. Best for borrowers who want total control.
Check Rate at Earnest →Refinancing federal loans to private loses: income-driven repayment, PSLF eligibility, and forbearance rights. Only refinance if you work in private sector and have stable income.