One decision. Big impact.

Take a break from your student loans by refinancing.

For a limited time: Relax with no payments and no interest for 3 months.1 You'll get $400 back too!2

IMPORTANT: Interest and payments on federal student loans have resumed. Visit for details. Carefully consider your options before refinancing federal student loans, as they will no longer qualify for current and future federal benefits once refinanced with a private lender.

Please note that the measures noted above are strictly tied to federal student loans and have no impact on private student loans.


Going to college and continuing your education created more opportunities for your future. And now it's time to create a student loan repayment plan that works for you too.

Refinancing and consolidating your student loans can help you take control of your payments. We service all of our student loans, so you'll always work with us to make your payment. And you'll enjoy other benefits, like:



See the benefits of how refinancing can make it easier to pay off your student loans. 

  • Enjoy no payments for 3 months.1
    Relax and don’t worry about a payment for 3 months after you close your loan. You won’t be charged interest during this time either.1
  • Get $400 back.2
    You’ll receive $400 in cash back to save or use as you please.
  • Help provide scholarships.
    Your student loan refinance can help other students too. We’ll donate $100 to provide scholarships for students in Michigan.2
  • Make one payment.
    Consolidate your private, federal, and PLUS loans together for one easy monthly payment.*


Current Rates & Terms

Student Loan Refinance

Borrow up to $125,000

Rates starting at: 5.490% APR

Offering Fixed and Variable Rates

5, 10, 15 year

Loan Term (Years)

Parent Loan Refinance

Borrow up to $125,000

Rates starting at: 5.490% APR

Offering Fixed and Variable Rates

5, 10, 15 year

Loan Term (Years)

For parents who wish to refinance PLUS loan(s) or a child's student loan(s)


Important Disclosures and Rate Details  |  Refinance Disclaimers  | Rates shown include a 0.25% discount for optional enrollment in automatic electronic payments.

Common Questions

If you are a college graduate currently in repayment, a recent college graduate, or a parent who took out student loans for a child, you may want to consider refinancing your student loans. For those with high interest rate student loans, refinancing might be a good way to lower the interest rates on your private or federal student loans (including parent and graduate PLUS). Choosing a new repayment term that fits your needs could help you simplify multiple payments or adjust your repayment terms.

Refinancing could potentially reduce the amount of interest you pay long term, but be sure to compare your options to determine what solution is right for you. Remember, Federal loans offer some special benefits, for example, public service forgiveness and economic hardship programs, that may not be accessible to you after you refinance. See disclosures for more details.

Please visit our eligibility page.

All loans being refinanced must be post separation from school.

Federal Education Loans:

  • Federal Family Education Loan Program (FFELP)
  • Subsidized or Unsubsidized (aka Stafford Loan)
  • Grad or Parent PLUS William D. Ford Direct Loan Program Subsidized or Unsubsidized (aka Direct Stafford Loan)
  • William D. Ford Direct Loan Program Undergraduate, Grad or Parent PLUS
  • Perkins, Nursing or Health Education Assistance (HEAL)
  • Consolidation

If you choose to refinance a federal loan, you will lose federal student loan benefits such as income driven repayment or loan forgiveness options that may be available on your current federal loan(s). In addition, federal student loans offer deferment and forbearance options that may not available to you if you take out a private refinance loan. You may qualify for a Federal Direct Consolidation Loan. For additional information about a consolidation option for federal loans, contact the Department of Education at: See disclosures for more details.

Private Education Loans: 

  • Undergrad
  • Graduate
  • Consolidation

Institutional Education Loans: 

  • Undergrad
  • Graduate
  • Consolidation



View all FAQs.


Helpful Resources


Personal Support


Guide to Refi


Calculate Savings

Should I refinance my student loans?

Refinancing your student loans (such as private, federal, and PLUS) could help you lower your rate, adjust your payment, or pay them off sooner. Just remember, when you refinance federal student loans into a private refi loan, you'll lose access to any current or future federal benefits, such as potential debt cancellation or income-driven repayment options.

For more information, check out these helpful resources:


Rates starting at:

5.490% APR