Refinance Student Loans

The smarter way to refinance your student loans

Shop and compare loan offers from our network of lenders. It’s fast, easy, and totally free to check your rate.

Check My Rate
  • Rates start at 1.87% variable APR
  • Checking rates will not impact your credit score1
  • No refinancing fees or pre-payment penalties

Today’s low rates

To help in these unprecedented times, we worked with our lending partners to drop rates to lows. Refinance to a low rate today and see how much you could save.2

Compare rates and choose what works for you

Splash partners with banks, credit unions and other lending partners to bring you market-leading rates and benefits such as:

  • Low Rates

    Student loan refinancing variable rates start at 1.87% APR and fixed rates start at 2.30% APR.

  • Easy Application Process

    Our seamless online experience takes the hassle out of refinancing.

  • Zero Fees

    No application fees, no origination fees, and no pre-payment penalties.

Refinance your student loans in 3 easy steps

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Easy process to check rates

Fill out a simple form that only takes a few minutes. We’ll use that information to check for offers with our lending partners.

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Submit your application

After you’ve selected an offer from our network of lending partners, secure your new rate by submitting your application.

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Finalize your loan

Make your life easier with one lender instead of several. Enjoy more savings2 with your new rate and one monthly payment.

Student Loan FAQ

How much can I borrow?

Our lenders each have their own minimum and maximum loan amounts. In general, the minimum loan amount is $5,000, and there is no maximum.

How many times can I refinance?

You can refinance your student loans as often as you’d like! We recommend refinancing if your credit improves significantly or if interest rates go down. These are signs that you could receive a loan with lower interest rates, which could help you save thousands on your student loans.

Fixed vs. variable rates

A fixed interest rate is a loan where the interest rate doesn’t fluctuate over the life of the loan. This allows the borrower to accurately predict their future payments.

A variable interest rate is a loan where the interest rate may change over the life of the loan. Variable interest rates typically change based on a reference rate.