The Full List Of Student Loan Refinancing Companies (2024)

Ascent offers undergraduate private student loans. What makes Ascent different is that they offer both cosigner and no cosigner student loans (which is pretty rare). They also offer student loans for graduate school, medical school, and dental school.

Their rates and fees are very competitive.

What do they offer?

Private Undergraduate Loans:Yes

Private Graduate Loans:Yes

Parent Loans: No

Student Loan Refinancing:No

Check out our full Ascent student loans review here.

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Brazos offers student loan refinancing and private student loans for the residents of Texas. Their rates and fees are highly competitive, but they only service residents of Texas. They have no origination or prepayment fees, and borrowers can get a loan up to $150,000.

What do they offer?

Private Undergraduate Loans:Yes

Private Graduate Loans:Yes

Parent Loans: Yes

Student Loan Refinancing:Yes

Check out our full Brazos review here.

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College Ave offers some unique student loan products and viable refinancing option. The company is a solid lender to who just recently started offering both fixed rate and variable rate student loans. They also allow some interesting repayment options, such as an interest-only payment, a deferred payment, and a fixed rate payment.

What do they offer?

Private Undergraduate Loans:Yes

Private Graduate Loans:Yes

Parent Loans:Yes

Student Loan Refinancing:Yes

Check out our full College Ave review here.

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Citizens Bank offers a variety of student loan options - from private loans to student loan refinancing. Being a bank, they offer very competitive rates and terms for their student loans. They have some of the highest loan amounts available to borrowers. They also offer a cosigner release program for their borrowers.

What do they offer?

Private Undergraduate Loans:Yes

Private Graduate Loans:Yes

Parent Loans:Yes

Student Loan Refinancing:Yes

Check out our full Citizens Bank student loans review here.

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Credible is a student loan comparison broker - they will help you get prequalified and then finish the process. They can help you compare all student loan types, including parent loans. Even if you have a cosigner, Credible can help you with the process.

What do they offer?

Private Undergraduate Loans:Yes

Private Graduate Loans:Yes

Parent Loans:Yes

Student Loan Refinancing:Yes

Check out our full Credible student loans review here.

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Discover is typically thought of as a credit card company, but they offer a wide variety of student loans. In fact, the probably offer the biggest range of private student loan programs of any lender on this list - from undergraduate to graduate, law school to consolidation loans. They have no application or origination fees, and their rates are highly competitive.

What do they offer?

Private Undergraduate Loans:Yes

Private Graduate Loans:Yes

Parent Loans:Yes

Student Loan Refinancing:Yes

Check out our full Discover student loans review here.

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Earnest is one of the most flexible student loan refinancing companies - they offer the ability to pick any monthly payment and term between 5 to 20 years – saving you more than standard rates and terms. Earnest has no set income requirements for borrowers. They are also fee-free, and offer unemployment protection to pause your monthly payments if you lose your job.

What do they offer?

Private Undergraduate Loans:Yes

Private Graduate Loans:Yes

Parent Loans:Yes

Student Loan Refinancing:Yes

Check out our full Earnest review here.

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Edly is one of the newest private student loan options for borrowers. They exclusively offer income-based repayment loans. These loans are very flexible in repayment, which is rare for a private student loan.

The big drawback is the loan limits for the loans, as well as the qualifying programs and schools (which have been expanding, but may not cover what you need).

What do they offer?

Private Undergraduate Loans:Yes

Private Graduate Loans:Yes

Parent Loans:No

Student Loan Refinancing:No

Check out our full Edly student loans review here.

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EDvestinU is a New Hampshire based lender that provides low cost loans to everyone, but especially beneficial to in-state residents. They offer both private and student loan refinancing loans. Their rates and fees are very competitive, and they have an aggregate loan maximum of $200,000.

What do they offer?

Private Undergraduate Loans:Yes

Private Graduate Loans:Yes

Parent Loans:No

Student Loan Refinancing:Yes

Check out our full EdvestinU review here.

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Education Loan Finance (or ELFI) is one of the original student loan lenders that most people have never heard of! They have very competitive rates, a great bonus program unique to College Investor readers, and more. The ELFI loan minimum is $10,000 for refinancers, with the maximum being your outstanding loan balance. This can be a huge win for borrowers with high student loan debt, especially doctors.

What do they offer?

Private Undergraduate Loans:Yes

Private Graduate Loans:Yes

Parent Loans:Yes

Student Loan Refinancing:Yes

Check out our full ELFI review here.

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Funding U is another of the few lenders that offer no-cosigner student loans. They also offer some of the lowest minimum loan amounts ($3,001), which can be helpful for borrowers who may need to borrow for community college or similar.

The drawback is the loan maximum, which is also low at $15,000.

What do they offer?

Private Undergraduate Loans:Yes

Private Graduate Loans:Yes

Parent Loans:No

Student Loan Refinancing:No

Check out our full Funding-U review here.

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iHelp offers two different avenues for their student loans. One type serves the currently enrolled or soon to be enrolled student, while the other type is for graduates who are looking to consolidate as much of their unwieldy student debt as they can. The application process to begin your search for a loan can be performed at any local branch of any of their participating institutions or online.

What do they offer?

Private Undergraduate Loans:Yes

Private Graduate Loans:Yes

Parent Loans:No

Student Loan Refinancing:No

Check out our iHelp Review here.

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ISL stands for Iowa Student Loan Education Lending. This state non-profit lender focuses on undergraduate, graduate, and student loan refinancing. They also offer parent loans. They are highly rated and offer competitive student loan options.

What do they offer?

Private Undergraduate Loans: Yes

Private Graduate Loans: Yes

Parent Loans:Yes

Student Loan Refinancing:Yes

Check out our ISL Student Loans Review here.

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Juno is a student loan broker - meaning they will source and help you find the best student loan to meet your needs. They compare student loans for all loan types: undergraduate, graduate, parent, and refinancing.

What do they offer?

Private Undergraduate Loans: Yes

Private Graduate Loans: Yes

Parent Loans:Yes

Student Loan Refinancing:Yes

Check out our Juno Student Loans Review here.

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Laurel Road, formally DRB Student Loans, is an established student loan lender with a new name. Laurel Road is best suited for medical and dental graduates, however they have loan options for any borrower. What we like about them is that they are one of the few lenders that will refinance more than $300,000 in student loans.

What do they offer?

Private Undergraduate Loans: No

Private Graduate Loans: No

Parent Loans:No

Student Loan Refinancing:Yes

Check out our Laurel Road Review here.

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LendKey is another student loan marketplace lending tool similar to our comparison tool above. However, they partner with many smaller community banks and credit unions to offer student loan refinancing. LendKey offers loans between $5,000 and $300,000, depending on the degree earned by the loan holder. For example, the lowest amount is for undergraduate degrees, which caps at $125,000.

What do they offer?

Private Undergraduate Loans: Yes

Private Graduate Loans: Yes

Parent Loans:No

Student Loan Refinancing:Yes

Check out our LendKey Review here.

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MPower Financing offers educational loans to international students, Visa Holders, and DACA students. They offer competitive private student loans and student loan refinancing.

What do they offer?

Private Undergraduate Loans:Yes

Private Graduate Loans:Yes

Parent Loans:No

Student Loan Refinancing:Yes

Check out our MPower student loan review here.

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MEFA is the Massachusetts Educational Financing Authority. They offer reasonable rates and terms for both graduate and undergraduate loans. They also offer more flexible repayment plans than many lenders.

What do they offer?

Private Undergraduate Loans:Yes

Private Graduate Loans:Yes

Parent Loans:No

Student Loan Refinancing:Yes

Check out our MEFA student loan review here.

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Navy Federal Credit Union offers both in-school private student loans and student loan refinancing. They offer in-school student loans for both undergraduate and graduate students.

What do they offer?

Private Undergraduate Loans: Yes

Private Graduate Loans: Yes

Parent Loans:Yes

Student Loan Refinancing:Yes

Check out our Navy Federal student loan review here.

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PenFed is a credit union that has recently pushed into student loan refinancing. If you're in the military or a veteran, or work for the government, PenFed might be a good choice for getting your student loans. They have very low rates, and they are one of the few lenders that will deal with spousal consolidation.

If you want private in-school student loans, they partner with Ascent student loans.

What do they offer?

Private Undergraduate Loans: Yes (via partnership)

Private Graduate Loans:Yes (via partnership)

Parent Loans:No

Student Loan Refinancing:Yes

Check out our PenFed student loan review here.

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PNC Bank is another traditional bank that is starting to offer student loans to qualifying borrowers. However, unlike some banks, they offer a full range of both private student loans and student loan refinancing.

For their private loans, they also offer loans for both undergraduates and graduates. Their student loan refinancing offers competitive rates and terms.

What do they offer?

Private Undergraduate Loans:Yes

Private Graduate Loans:Yes

Parent Loans:No

Student Loan Refinancing:Yes

Check out our PNC Bank student loan review here.

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Prodigy Finance offers both private student loans and student loan refinancing for international students and Visa holders. Over 800 schools and students from over 150 countries are eligible for these student loans.

What do they offer?

Private Undergraduate Loans:Yes

Private Graduate Loans:Yes

Parent Loans:No

Student Loan Refinancing:Yes

Check out our Prodigy student loan review here.

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Raise is a private student loan lender that offers a variety of loan options to help you pay for college. Raise is a middle of the pack student loan lender, with nothing revolutionary or compelling, but they do have solid rates and fees.

Note:We keep Raise on this list because they technically do exist, however, they haven't provided new student loans in several years.

What do they offer?

Private Undergraduate Loans:Yes

Private Graduate Loans:Yes

Parent Loans:No

Student Loan Refinancing:No

Check out our Raise student loan review here.

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RISLA stands for the Rhode Island Student Loan Authority, and offers loans to Rhode Island students both in and out of state. RISLA's loans are credit based, and they have lots of options to not have a cosigner or release a cosigner. RISLA also excels at customer service.

What do they offer?

Private Undergraduate Loans:Yes

Private Graduate Loans:Yes

Parent Loans:Yes

Student Loan Refinancing: Yes

Check out our RISLA student loan review here.

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Sallie Mae is probably the most well known student loan lender out there. What most people hear though is only the controversy, but Sallie Mae is also one of the most generous student loan lenders out there.

Since they are also one of the largest, they are able to offer a huge variety of loan types, purposes, rates, and repayment plans.

What do they offer?

Private Undergraduate Loans:Yes

Private Graduate Loans:Yes

Parent Loans:Yes

Student Loan Refinancing:No

Check out our Sallie Mae student loan review here.

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Splash Financial is a relative newcomer on this list, but they are doing great things with medical school student loan refinancing. Splash Financial offers student loans with no original fees, and unique repayment plans. They offer loans starting at $5,000 with no maximum. That no maximum limit is great for doctors or other healthcare professionals that could have high loan balances.

Private Undergraduate Loans: No

Private Graduate Loans: No

Parent Loans:No

Student Loan Refinancing:Yes

Check out our Splash student loan review here.

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SoFi is one of the largest student loan refinancing companies right now, offering an online student loan refinancing service that is top notch. They are famous for their services that they offer borrowers in case of job loss, and other perks of being a lender. To get the best rates, you have to have excellent credit or you'll have to have a cosigner for your loan. SoFi does have a cosigner release program.

What do they offer?

Private Undergraduate Loans:Yes

Private Graduate Loans:Yes

Parent Loans:Yes

Student Loan Refinancing:No

Check out our SoFi student loan review here.

Stride offers income-sharing agreements, which operate just like income-driven student loans. This is where you pay a monthly payment amount based on your income, and you must meet minimum income levels. The advantage here is that your loan could be very affordable when you graduate.

The drawback is that the amount you can borrow is very low, and the programs that qualify are limited.

What do they offer?

Private Undergraduate Loans:Yes

Private Graduate Loans:Yes

Parent Loans:No

Student Loan Refinancing:No

Check out our Stride student loan review here.

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U-Fi Student Loans is a private student loan lender affiliated with NelNet, a government loan servicing contractor. U-Fi provides pretty standard student loan refinancing options for both undergraduate and graduate students. They offer pretty easy to meet criteria for refinancing, which makes them a decent student loan lender.

What do they offer?

Private Undergraduate Loans:Yes

Private Graduate Loans:Yes

Parent Loans:No

Student Loan Refinancing:No

Check out our U-Fi student loan review here.

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