Compare refinance lenders

Live partners only. Blank cells mean the fact was not listed on the official page as of the dated check, not that the product lacks it.

Who should not refinance a federal loan

Refinancing a federal student loan with a private lender is permanent. You cannot put the loan back in the federal system. The Consumer Financial Protection Bureau also warns that consolidating federal loans into a private loan means you lose federal repayment and forgiveness benefits (CFPB Ask CFPB, last reviewed December 3, 2024, accessed November 13, 2026).

Do not refinance a federal loan if any of these apply:

You are pursuing or might pursue Public Service Loan Forgiveness.
You need an income-driven payment you can actually afford.
You may need federal deferment or forbearance.
You are on, or may need, the Repayment Assistance Plan.
A court or servicer notice about the end of SAVE is still unresolved for you. Pick a federal plan first at studentaid.gov.

Private loans can be refinanced without giving up those federal protections, because they never had them. Prefer StudentAid.gov and the plan eligibility tool before any private refinance CTA.

Lender	Product	Prequalification	Fees	Terms	Rate types	Eligibility notes	Borrower credit	As of	Offer
ELFI Sponsored	Refinance	ELFI states you can see estimated rates in minutes without impacting your credit score. A full application can still involve a hard credit inquiry.	ELFI states there are no application fees, origination fees, or prepayment penalties.	Loan terms from 5 to 20 years, as listed on ELFI's refinance page.	Fixed and variable options are listed on ELFI's refinance page. Current APR figures are omitted here; check ELFI for live rates.	U.S. citizen or permanent resident alien without conditions, with proper evidence of eligibility; Age of majority or older at application; Refinance at least 10,000 dollars in student loan debt	Per ELFI's referral terms, a referred borrower who refinances 10,000 dollars or more within 90 days of starting an application using a referral link may receive a 100 dollar principal credit after disbursement. Material terms can change; confirm on ELFI's referral page.	2026-11-13 source	Check rates

APR columns are omitted on purpose. Confirm live rates on each lender's official prequalification flow. Publisher payouts are never shown.

FAQ

Why is there only one lender row?

Only partners that are approved, have a tracked https affiliate URL, and have their feature flag enabled appear here. More lenders will appear in this table if and when they pass that gate. Pending applications are not shown as placeholders.

Where are the APR columns?

This site omits APR and APR-range columns unless every figure is recopied from the lender official page at build time with an as-of date. Prefer checking live prequalification on the lender site over a stale range here.