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Best Student Loan Refinance of 2020

Best Student Loan Refinance of 2020

Best Student Loan Refinance of 2020. Looking to refinance your student loans but not sure where to begin? Discover the most recommended student loan refinancing services and find a loan that works for you.


  • Rates start as low as 2.31% variable and 3.03% fixed APR
  • No hidden fees, origination fees or prepayment penalties
  • See personalized rates from multiple lenders in 2 minutes
  • Fast and free to apply
  • Best Rate Guarantee: $200 if you find and close with a lower rate elsewhere
  • Checking your rates won’t affect your credit score
  • Discounted rates with auto-pay
  • Get prequalified in minutes
  • Accepts credit scores from 680
  • Competitive fixed rates starting at 3.25% APR (with autopay discount)
  • Apply in minutes,100% paperless application process
  • No prepayment or origination fees
  • Forbearance up to 12 month
  • Dedicated support team

Splash Financial

  • See rates in 3 minutes without impacting credit score
  • Low rates for credit scores over 700
  • Minimum credit score of 670
  • No maximum loan amount
  • Fixed rates as low as 3.48% APR
  • Variable rates as low as 2.27% APR
  • No application, origination, or prepayment fees
  • 5, 7, 8, 10, 12, 15, 20 and 25 year options


  • More rates to choose from = more flexibility
  • Earnest has no fees of any kind
  • Unemployment protection
  • Pick your own monthly payment and Earnest matches you with an interest rate and term
  • Get a quick rate estimate in 2 minutes
  • Exceptional customer service for the life of the loan. Call, email or text them anytime!

College AVE

  • Competitive fixed and variable rates
  • Apply in 3 minutes or less
  • Flexible terms and repayment options
  • No application or origination fees
  • Earn a 0.25% interest rate reduction for enrolling in auto-pay
  • Refinance amounts as low as $5,000 (federal & private)
  • 9.5 out of 10 rating on Trustpilot
  • APRs as low as 1.99% (variable) and 3.50% (fixed)
  • No application, origination, or prepayment fees
  • Medical interns or residents can pay as little as $100 while employed full-time
  • Temporary forbearance available for qualifying borrowers in economic hardship


  • Get a pre-approval quote in less than 5 minutes
  • No application fees, origination fees, or prepayment penalties
  • Refinance up to $500,000 in federal and private student loans
  • Economic forbearance and unemployment protections
  • Fixed, variable, and hybrid interest rates


  • Get pre-approved quotes from credit unions and small banks
  • Rates start at 2.06% APR (variable) and 3.49% APR (fixed)
  • Reduce interest rate by 0.25% by signing up for automatic payments
  • No fees or prepayment penalties
  • BBB-accredited and rated A+
  • All loans serviced in-house; no handoffs to other lenders

SoFi  – Best Student Loan Refinance of 2020

  • Get pre-approved in 2 minutes
  • Easy-to-use loan calculator
  • As low as 3.20% fixed or 2.31% variable APR with AutoPay
  • Up to 20-year loan terms
  • Career Coaches and Wealth Advisors for SoFi members
  • Get a 0.125% discount on other SoFi loan products

Education Loan Finance  – Best Student Loan Refinance of 2020

  • Low-interest rates and a variety of repayment options
  • Consolidate both federal and private student loans
  • APRs start at 2.39% (variable) and 3.03% (fixed)
  • Repayment terms of 5, 7, 10, 15, and 20 years
  • A+ Rating from the Better Business Bureau
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