Refinance Student Loans With One of These Banks

I started residency with $110,000 in student debt at 6.8%. Since I knew that I wanted to get out of debt as quickly as possible and was unlikely to work for a hospital in my area that qualified for public service student loan forgiveness, I decided to refinance my loans. I refinanced my loans at an interest rate of 3.3% to save $11,500 over 3 years. Full disclosure, both you and I get a referral bonus for several companies on this list that include : CommonBond, SoFi,Credible, LendKey,  and Purefy. The rest I do not currently receive any referral bonus and will update this page if that were to change. Take the information to see which company may be the best company, if any, for you to refinance your loans with.



CommonBond Logo

  • Variable Rates: 2.14 to 6.19% APR (with autopay)
  • Fixed Rates : 3.50 to 7.99% (with autopay)
  • Hybrid Rates: 4.04% to 6.48% APR (with autopay)
  • Maximum $500,000
  • No hidden fees such as application, origination fees
  • Can obtain a estimated rate with soft pull or actual rate with hard credit pull

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SoFi Logo

  • Variable Rate 2.15% to 5.95% APR (with autopay)
  • Fixed Rate 3.50 to 7.74% APR (with autopay)
  • No hidden fees such as application, origination fees
  • No prepayment Penalty (If you pay off loan early)
  • Soft pull with initial application however to get exact quote this requires hard credit pull
  • Minimum $5000
  • No max
  • Welcome bonus for borrower: $100

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Credible Logo

  • Think of this service as a search engine that can search many of the other postings on this website at the same time after you enter your information and provide you with quotes. They claim no hard credit pull and both you and I receive $200 back if you refinance via this method. Give it a try to see what rates you qualify today.

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LendKey Logo

  • Variable Rate: 1.93% to 8.32%
  • Fixed Rate: 3.25% to 7.9%
  • This website has a nice calculator that can visually show you your savings
  • Minimum Loan $7,500
  • Maximum Loan $175,000

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Purefy (Formerly CordiaGrad)

Purefy Logo

  • Variable rates of 3.0% to 4.70% APR (with autopay)
  • Fixed rates of 3.95% to 6.25% APR (with autopay)
  • Minimum $20,000
  • Maximum $350,000

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Alliant Credit Union

Alliant Logo

  • Student loan consolidation
  • Rates as low as 3.75% with maximum loan of 300 months
  • Reported max loan is $100k
  • Need to be a member to be eligible for loan
  • If you would like to give me credit then click here: Referral and also contact me.

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Citizens Bank

Citizens Bank Logo

  • Variable 2.2% (5 year term) to 7.95% APR (20 year term)
  • Fixed from 3.74 (5 year term) to 9.39% (20 year term)
  • Minimum loan $10,000
  • Maximum loan $300,000

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College Avenue

College Ave Logo

  • Variable Rates 2.50% to 7.25% APR (with autopay)
  • Fixed Rates 4.74% to 8.50% APR (with autopay)
  • Minimum Loan $5,000
  • Maximum Loan $250,000

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earnest loan

  • Rates Variable 2.15% to 5.50% (with autopay)
  • Fixed Rate 3.50 to 7.45% APR (with autopay)
  • Will refinance residents
  • No listed max or minimum

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EDvestinU Logo

  • Variable Rate 3.21% to 6.71% (with autopay)
  • Fixed Rates 4.74% to 8.24% (with autopay)
  • Loan Minimum $7,500
  • Loan Maximum $125,000, up to $200,00 if loans originally funded by New Hampshire Higher Education Loan Corp)

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First Republic

First Republic Logo

  • Variable Rate: 1.85% to 9.95% APR (with autopay)
  • Fixed Rate: as low as 1.95% for 5 year, 3.75% for 15 year loan. Max possible interest not listed on website
  • Loan Minimum $60,000
  • Loan Maximum $300,000

Not eligible in all areas, geographically limited to very specific areas as below

  • California
  • New York
  • Florida
  • Oregon
  • Connecticut
  • Massachusetts

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Link Capital

Link Capital Logo

  • This company bills themselves as specializing in medical school graduates in or out of residency.
  • Variable Rates start at 3.16% APR to a reported 6.26% (with autopay)
  • Fixed Rates start at 3.24%, no upper limit listed on website
  • Minimum Loan: $15,000
  • Maximum loan $450,000
  • will refinance residents
  • Referral

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Wells Fargo

Wells Fargo Logo

  • variable Rates 3.74% to 8.74% (with autopay)
  • Fixed Rates 6.24% to 10.99% (with autopay)
  • Minimum loan: $5,000
  • Maximum Loan: $120,000 for one loan or $250,000 for all loans held by borrower serviced via Wells Fargo


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Updated last on 6/2018

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