2021 NerdWallet Best-of Awards Winner for Best Student Loan Refinancing Overall
2021 NerdWallet Best-Of Awards Winner

Save $$$ on Sallie Mae, Discover, Wells Fargo, and SoFi Student Loans

Student loan refinance rates are now at historic lows. Lock in your rate today and save big.

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Why Refinance My Student Loans?

Save Money on Interest

Lock in a lower rate and enjoy big lifetime interest savings for years to come.

Shorten Your Term

Pay off student loans faster with a shorter term and save even more on total lifetime interest.

Reduce Your Payments

Choose a longer term to decrease your monthly payments and keep more cash in your pocket.

Simplify Your Bills

Multiple student loan payments and due dates? Combine them into one easy bill.

How Student Loan Refinancing Saves People Money

$16,736 in Savings

An Industrial Engineer from University of Central Florida reduced her interest expense by $16,736 from $38,396 to $21,660

engineers-save

Cut Interest Rate in Half

A University of Cincinnati graduate saved over 3% on his interest rate from 6.24% to 2.99%

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$130 Lower Monthly Payment

A Surgeon from Rosalind Franklin University of Medicine and Science lowered her monthly payment by $130 from $483 to $353

1% Lower Rate With Cosigner

A Registered Nurse from West Coast University saved 1% on his rate and over $5k in interest by refinancing with a cosigner

Purefy’s Comparison of Top Student Loan Refinance Companies

Fixed Rate

2.50% – 5.79% APR

Term

5 – 20 years

Minimum Credit Score

650

Variable Rate

1.88% – 5.64% APR

Eligible Loans

Federal & Private

Purefy Rating

five-stars

Fixed Rate

2.50% – 5.79% APR

Term (years)

5-20

Minimum Credit Score

650

Variable Rate

1.88% – 5.64% APR

Eligible Loans

Federal & Private

Purefy Rating

five-stars
Lightning-fast loan processing
Up to 12 months financial hardship deferment
Doesn’t offer cosigned loans

Fixed Rate

2.89% – 5.63% APR​

Term

5, 8, 12, or 15 years

Minimum Credit Score

670

Variable Rate

Not Offered

Eligible Loans

Federal & Private

Purefy Rating

five-stars

Fixed Rate

2.89% – 5.63% APR​

Term (years)

5, 8, 12, or 15

Minimum Credit Score

670

Variable Rate

Not Offered

Eligible Loans

Federal & Private

Purefy Rating

five-stars
Spouse couples can refinance together using combined income
Become a member of the credit union at no cost when you refinance
Temporary and permanent financial hardship assistance available

Fixed Rate

2.74% – 6.42% APR​

Term

5, 7, 10, 15, or 20 years

Minimum Credit Score

670

Variable Rate

Not Offered

Eligible Loans

Federal & Private

Purefy Rating

five-stars

Fixed Rate

2.74% – 6.42% APR​

Term (years)

5, 7, 10, 15, or 20

Minimum Credit Score

670

Variable Rate

Not Offered

Eligible Loans

Federal & Private

Purefy Rating

five-stars
Loans available in any state — not just Iowa
Loan forgiveness if the borrower dies or becomes totally and permanently disabled
Options to postpone payments due to qualifying financial hardships

Explore Purefy’s Marketplace of Top-Rated Refinance Companies

We know your time is valuable.
Purefy speeds up the research process by bringing the best refinance lenders and rates together – all in one place – so you can review options, choose your new rate, and start saving quickly.

Real Rates

See pre-qualified rates from a range of vetted lenders – all at once with one easy-to-use tool.

Zero Fees

Compare your rates with no fees, hidden costs, or strings attached

No Impact to Credit

Checking rates has zero effect on your credit score and your information is 100% secure.

We're here to simplify student loan refinancing.

How Purefy Works: Our Rate Comparison Process

 Join the 213,000 people and counting who have compared student loan refinance rates with Purefy.

01

Complete Form - 2 Minutes

Fill out basic details about your student loan situation.

easy-rate-check

02

Compare Rates - 15 Seconds

See real, pre-qualified rates from a variety of nationwide lenders – tailored to your specific loan situation.

select a lender

03

Submit Application - 15 Minutes

Pick your favorite combination of rate, term, and monthly payment – and head straight to our lender partner for confirmation.

Purefy Helps You Pay Less on Student Loans

213,000+ People

Have Compared Refinance Rates

$1.7 Billion+

in Refinanced Student Loans

5-stars-emerald

5 Star

Rating on NerdWallet

25,000+

Monthly Blog Readers

Uncover More on Student Loan Refinancing

Looking for additional info on student loan refinancing? Check out all the whys, whens, and how-tos from Purefy’s team of experts.

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