You might be surprised by how easy it is to refinance your student debt - and how much you can save. 

As soon as you have good credit and a stable income you can most likely get an interest rate that's low enough to make refinancing your student loans worthwhile. 

If you think that refinancing is right for you, or you just want to find out what kind of rate you can qualify for, start with the lenders below.

They simplify the loan process and make it easy to compare rates and find the best terms for you. 

And remember: If you find that refinancing will result in significant interest savings, every month you put it off could be costing you money. 

1. Credible

  • No service or origination fees
  • One form to access rates from top lenders
  • Best rate guarantee

Credible makes it easy to find the right refinance solution for you. By working with some of the most reliable loan providers in the industry, Credible offers flexible options with highly competitive rates.

To refinance your existing student loans, all you need to do is follow their secure, three-step process. First you fill out a single form with your loan information, then you compare your pre-qualified options side by side, and finally you choose. You’ll get your final offer in as little as 1 business day.

View Rates on Credible >>

2. LendKey

  • Competitive interest rates
  • Flexible loan options
  • No origination fees

LendKey lets you tailor your refinance terms to maximize your savings on both private and federal student loans. By working with local and community financial services providers, LendKey empowers customers to find the lowest interest rates available - even those your local bank or credit union won’t offer.

Their application process is straight-forward, but they do require a $24,000 minimum annual income and a minimum outstanding loan amount of $7,500. 

View Rates on Lendkey >>

To learn about the best online platforms to search for and compare loans and refinance options, check out our ranking here.