Student loans
Put us to work on those student loans
A lower interest rate? A lower monthly payment? See what you could save through student loan refinancing.
Checking rates won’t impact your credit1
See if you’re pre-qualified in 3 minutes or less
When you refinance a federal loan through Splash, you could lose access to potential benefits like one-time forgiveness, waiver of interest or public service forgiveness. Please carefully consider these factors before you refinance.
Painless debt consolidation loan…
Process for a debt consolidation loan was quick and very efficient. Would definitely give Splash Five Stars. Have already recommended Splash to a couple of friends looking to get a debt consolidation loan.
mike mcgushin
June 02, 2023
THROW YOUR OLD LOANS STRAIGHT INTO THE SUN
We help qualified borrowers pay off their old student loans, and refinance on their terms
Great rates
We did the rate shopping for you, with great rates from our network of top lenders.
Easy application process
Our automated process guides you every step of the way.
Zero fees
No application fees, no origination fees and no pre-payment penalties.
We won't sell your data
Your sensitive information stays between us.
IT'S lITERALLY This Easy
Check your rate
Answer some questions. If you qualify, you’ll browse refinancing offers across our network of lenders.
Choose your loan
Select an offer, then apply. We’ll guide you every step of the way.
Get refinanced
If approved, we'll pay off all your old student loans. Then, you'll get a new loan with a single monthly payment. Easy!
Ready to get started?
Student Loan Refinancing FAQ
Yes! Splash offers refinancing options for college graduates with a four-year degree from a Title IV accredited institution or with an associate degree in an eligible field.
If you have a job loss or are going through an economic hardship, please get in touch with the lender or servicer of your loan as soon as possible to learn about your options.
Defaulting on a loan is a very serious matter which could have an adverse effect on your personal credit score. Further, it is difficult to cancel the obligation to repay an education loan in a bankruptcy. If you are about to miss a loan payment, contact your lender or loan servicer immediately to work out a repayment schedule.
Splash does not have lending partners that refinance student loans when a degree is not obtained. Splash lending partners require a minimum of an Associate’s degree.
In 2022 the economic conditions have changed and the rates have been rising. However, rates are always changing. Checking your rate through our quick, online rate check is the best way to tell whether or not you are eligible for a lower rate.
At Splash Financial, of course! Our mission is to make people more powerful than their debt. When you refinance with us, you gain access to the best lenders, rates, and customer support. Our seamless online experience takes the hassle out of refinancing. With no application fees, no origination fees, and no prepayment penalties – refinancing with Splash is a no-brainer! Learn how we can help refinance your student loans today.
Just because you can refinance your student loans multiple times does not mean you should. Refinancing multiple times within a short period of time could have a negative impact on your credit score.
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.2
Many private lenders offer the ability to refinance your student loans. This will allow you to transition from your old, high-interest rate loan(s) to one new loan with a lower interest rate. Our network of trusted banks, credit unions and other lenders allows you to have access to the best possible rates and monthly payment options for your situation.
Simply click Check My Rate – it’s free, only takes a couple minutes and doesn’t impact your credit score!3
Refinancing or consolidating private and federal student loans may not be the right decision for everyone. Federal student loans carry special benefits. If you refinance a federal student loan with Splash Financial, you will no longer be eligible for those benefits. If you’re interested in refinancing your federal student loans, the first step is to check your rate with Splash! This will give you an understanding of the new interest rates and monthly payment options available to you by refinancing through our network of banks, credit unions and other lenders. Plus, checking your rate with Splash does not impact your credit score3. If refinancing makes sense for your situation, you can complete the rest of your online application and start saving.