Refinance
We'll help you understand your options, so you can make the best decision for your future.
Refinance Your Student Loans **
With rates as low as 3.875%*, now's a great time to refinance.
** Recently, the U.S. Department of Education (“DOE”) announced an extension of the federal student loan payment pause through June 30, 2023, along with additional information on debt cancellation for certain categories of borrowers. We encourage students to explore all the options before applying to refinance their federal student loans. Refinancing a federal student loan with a private lender means you will no longer have access to any benefits of your federal loans, including the temporary 0% interest rate, the suspension of payments effective through June 30, 2023, potential debt cancellation, or any other relief measures implemented for federal loans to address the COVID-19 crisis.
Are your rates with other lenders too high? We hear you. National lenders may charge 8-12% for educational loans. We do things differently and our refinance loan can save you thousands of dollars.
Change in income, planning for a family, or starting a business? Are you looking to lower your monthly payment, get rid of your debt faster, or consolidate multiple loans? Whatever your needs are, we know loans. We're here to help you find a refinancing plan that fits your budget.
Run the numbers with our calculator tool, learn why it makes sense to refinance, or pick up the phone and give our advisers a call at (800) 347-2752.
*APR 3.875%. Rate shown includes a .25% reduction for bank draft. Rates based on credit and terms.
Are your rates with other lenders too high? We hear you. National lenders may charge 8-12% for educational loans. We do things differently and our refinance loan can save you thousands of dollars.
Change in income, planning for a family, or starting a business? Are you looking to lower your monthly payment, get rid of your debt faster, or consolidate multiple loans? Whatever your needs are, we know loans. We're here to help you find a refinancing plan that fits your budget.
Run the numbers with our calculator tool, learn why it makes sense to refinance, or pick up the phone and give our advisers a call at (800) 347-2752.
*APR 3.875%. Rate shown includes a .25% reduction for bank draft. Rates based on credit and terms.
Savings Calculator
Enter your outstanding federal and private education loan information below, and find out how much you'll save by refinancing with us.
| Term | Interest Rate | Monthly Payment | Total Payment | Total Savings |
|---|---|---|---|---|
| 5-Year | 4.75% | $22.51 | $1,350.50 | None |
| 10-Year | 5.5% | $13.02 | $1,562.78 | None |
| 15-Year | 6% | $10.13 | $1,822.73 | None |
| 20-Year | 6% | $10.13 | $1,822.73 | None |
* Calculations for the current debt are based on the interest rate, amount, and monthly payment you entered above and assume the annual percentage rate is fixed over the life of the loan. Rates shown reflect the lowest rate possible a borrower can receive. Rates may be higher based on credit score and/or underwriter review.
Why refinance?
Not sure if you should refinance your loans? Let's discuss when, how, and why to refinance your college loans.
How Does Refinancing Work?
Our Low Interest Loan
Check out the eligibility requirements, our application process, and your repayment options through our refinance loan for SC graduates and residents.
Get the Details
Pay less. Simplify life.