Student Loan Refinance

Consolidate your loans at one low rate.

Our application is fast and easy. Your new rate is a few clicks away. Variable rates start at 2.212% APR.1

Pre-qualification does not affect your credit score

Student Loan Refinance

What makes us great

Paperless, no hassle
Paperless, no hassle

No need to go digging for paperwork. Just link your accounts and we’ll take care of the rest.

Mega money saver
Mega money saver

We consolidate your loans into one single payment at a new lower rate.

Dedicated support team
Dedicated support team

We’re always happy to help. Our team can guide you through the steps, or answer any questions big or small.

Pre-qualification does not affect your credit score

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Other Lenders

Minutesto apply

Daysto apply

Online income & asset verification

Manual income & asset verification

Paperless application

Upload paper after paper

We'll gather all of the necessary paperwork

Do you know where your pay stubs are?

Helping you pay off your student loans.

No prepayment or origination fees

We’re trying to lower your debt, not add to it.

Auto pay discount

Enjoy a 0.25% APR discount when you set up auto pay.


Life’s messy. That’s why we offer up to 12 months of forbearance. Just in case.

Pre-qualification does not affect your credit score

Get Started

Ready to get started?

  • One

    Get pre-qualified in minutes

    Tell us a little about yourself and we’ll generate an accurate, pre-qualified rate without impacting your credit score.

  • Two

    Streamlined application

    We automate the gathering and verification of documents, so submitting your application is a breeze.

  • Three

    Say “bye” to the loan sharks

    We’ll get rid of the other lenders and fully service your loan. Leaving you with one, low monthly payment.

Pre-qualification does not affect your credit score

Questions? We’re here to help.

Who is eligible?

US Citizens or Permanent Residents that have graduated from a four year or graduate Title IV school in the United States.

How much can I borrow?

You may request to borrow anywhere from $5,000 to $250,000 through our loan application. We offer 5, 7, 10, 15, and 20-year terms.

What are the fees?

We have no origination or prepayment fees, nor any late fees - but you should pay on time so your credit score isn’t impacted.

Will checking my rate hurt my credit score?

Checking your rate will not affect your credit score. However, if you decide to take a loan, we may need to conduct a hard credit pull which may affect your credit.

When should I refinance my student loans?

If you have a steady income, good creditworthiness, and high interest rates on your existing loans, you should consider refinancing as soon as possible.

What student loan repayment options are available?

There are several repayment plans available to assist in managing your student loan account with requirements based on your circumstances. View our Notice Regarding Student Loan Repayment Options.

Learn more about refinancing your student loans

As part of the Figure community, you’ll get access to leading financial experts, industry events, and our unparalleled customer service team.

A guide to student loan refinancing
Student Loan Refinancing

A guide to student loan refinancing

You can often get a lower interest rate on your student loans by refinancing them, which could save more than $20,000 over the term of the loan....

How do I refinance my medical student loans
Student Loan Refinancing

How do I refinance my medical student loans?

Most students who borrow to finance their education use federal loan programs, because government lenders generally offer more flexible terms...

How do I refinance my federal student loans
Student Loan Refinancing

How do I refinance my federal student loans?

Consider refinancing your federal student loans if doing so will get you a lower interest rate. Even if the interest rate isn’t lower, refinancing...