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How it works

Apply online in seconds
Tell us about yourself, the amount you want to borrow, and the terms of your current student loan.
Choose your best offer
Compare rates, terms, and payments, among competing lending partners.
Get your money
Receive new loan proceeds and start paying off your student loans at a lower rate!

It's 100% free to find your lowest refinancing rate through SuperMoney.

It's tough enough to get through school without having to worry about paying for it. Let us do the heavylifting and match you with the best refinancing option, unique to you.

What is student loan refinancing?

When you refinance a student loan, a private lender pays off your current loan and then issues you a new loan with a new interest rate. By refinancing, you may be able to combine both private and federal student loans into a single private loan.
Better Interest Rate
Get a better rate
When you refinance your student loans, you may qualify for a much lower rate than what you currently have.
Simplify Monthly Payments
Simplify monthly payments
You can refinance all your student loans into one single private loan and simplify your monthly payments. Less time juggling bills, more time focused on your studies!
Adjust Repayment Terms
Adjust payment terms
Your financial health may fluctuate over the course of your education. Refinancing your student loans can get you flexible repayment terms.

Why should I consider refinancing my student loan?

Reduce Interest Rate

To reduce your interest rate and save a ton of money

If your current interest rate is too high, you should consider refinancing your student loans. You may qualify for a lower rate and save lots of money.

Reduce Monthly Payment

To lower your monthly payment

Having trouble managing your monthly payment? Refinancing can help you bring down your monthly payment by letting you adjust your loan terms.

Improved Credit Score

To take advantage of your improved credit score

If your credit score or your cosigner's credit score has improved since you signed into your current loan, you may qualify for a better rate. Check and compare refinancing rates from multiple lenders.

It's quick, free, and won't hurt your credit score.

One form... Many great options...

SuperMoney works directly with leading private student lenders who cater to all types of students looking to finance their college education. You'll fill out one easy form and get competing offers from lenders in no time.
  1. 1. What is the difference between refinancing and consolidation?

    Strictly speaking, consolidation only applies to federal student loans. When you consolidate student loans, the rate doesn’t change significantly. It’s just a matter of combining multiple loans into one loan. Student loan refinancing involves the negotiation of new terms for a new loan. The new loan may combine several loans into one, but it could also just refinance a single student loan. However, many people use both terms interchangeably, which can be confusing.

    Consolidating your loans will not reduce the interest you pay, but it may lower your monthly payments. However, lower monthly payments will probably increase the total interest you pay on the debt.

    Student loan refinancing works on both private and federal. If you reduce your rate, you could lower your monthly payments and the overall cost of the loan. However, you may lose some of the consumer protections that come with federal student loans.

  2. 2. What is the difference between Fixed APR and Variable APR?

    The main difference between a fixed APR and a variable APR is that fixed APRs don’t fluctuate with changes to an index. Variable APRs will change with the index interest rate used to calculate it. A popular index rate is the prime rate published in the Wall Street Journal, which is the base rate offered by at least 7 of the 10 largest U.S. banks. Lenders are required to specify which index they will use and how the variable APR is calculated.

  3. 3. How do I choose a student loan refinancing lender?

    Find out your current balance, rates, and years left to repay your current student loan. Check out what rates you qualify for. Check expert and consumer reviews on your top choices Find out now how much you could save with a refinance.

  4. 4. How do I qualify for a lower interest rate?

    The higher your credit score and income, the more likely you are to qualify for the lowest interest rates. So, improving your credit score is a great place to start. However, just comparing lenders by applying with several lenders can help you negotiate a lower rate. Notice that the credit threshold used to determine rates can vary a lot from one lender to another. For instance, lender A may have a cutoff score of 700 for prime rate offers, while another lender may require 750. SuperMoney’s loan comparison engine makes it easy and painless to compare rates and terms.

  5. 5. Can I refinance both federal and private loans?

    Yes, you can.

    If you have a solid credit history and income, you may qualify for low rates and save a lot of money in interest payments.

Compare rates between multiple lenders before you refinance.

To ensure that you are getting the best rate out there, SuperMoney lets you fill out just one simple form and receive multiple offers from leading lenders in no time.

It's quick, free, and won't hurt your credit score.

No annoying sales calls

Some sites out there claim to do what SuperMoney does but really sell your personal data off to the highest bidder in what’s called a “lead aution.” Chances are, you are not going to find your best loan option from a lender who is willing to pay the most for your data. This is NOT how SuperMoney operates!

  • No annoying robocalls
    No annoying robocalls

    SuperMoney’s loan offer engine integrates with lenders directly, which means you won’t get those incessant robocalls from lead buyers.

  • No lead auction
    No lead auction

    We do not sell your personal data off to the highest bidder. We work directly with our lending partners to provide pre-approved offers back in real-time.

  • Transparent comparison
    Transparent comparison

    With SuperMoney, you can transparently compare your options and choose the best one for you without any pressure.

Don't just take our word for it.

Here's what satisfied SuperMoney users are saying about their experience.
on April 13, 2018

I am fairly new to the loan process and what I would consider not very savvy in the finance world. SuperMoney was extremely patient and helpful. They were sure that I understood all of my options in full so that I truly felt well informed. However, the true upside is money saved in comparison to other avenues I have researched. Well done!

on May 8, 2014

SuperMoney is the best consumer finance review portal I've found online. I appreciate their news articles and tips which surprisingly almost always have useful advice for managing everyday financial decisions, rather than being the all-too-familiar promotional spam in my inbox. I've also used their comparison engine to help me decide on which credit card to get and found the combination of search filters and reviews very helpful.

on October 2, 2014

Super Money was great at helping me finagle through a market crowded with a lot of money services. It all became so incredibly confusing. They provided a lot of information the helped me make the best decision possible for me and my family. I will for sure refer back to them again!

on April 17, 2018

What a great site! I got on it to research something specific. I was able to research, apply and get approved for a loan in minutes. Then I started looking at the rest of their content and got hooked for over an hour. I’ll definitely be back.