Student Loan Refi
Only refi federal loans if you're certain you won't need income-driven repayment or PSLF.
Use this page as a benchmark, not as a guaranteed quote or eligibility promise. The price, rate, fee, coverage, or feature set can change with location, customer profile, promotional timing, scope, and provider terms. Compare the current source disclosure before you buy or sign.
FairPrice Guru keeps the benchmark separate from the provider's marketing. A higher price is not automatically unfair when it buys more coverage or a better scope, and a lower headline price is not automatically better when fees, restrictions, or missing features change the real cost.
Price and terms
- Typical: $6.25 APR %
- Range: $4.90–$10
FairPrice score: 70/100
Features
- Private-only refi
- Term 5-20 years
- Autopay discount
Pros
- Lower rate for strong credit
- Combine multiple loans
Cons
- Refinancing federal loans forfeits IDR + forgiveness protections
Best for
- high-income-borrower
Official source · Last verified 2026-07-04