Refinance student loans and save thousands

The Rankings

Top 3 Student Loan Refinance Providers

Each provider is independently rated by our editorial team based on pricing, transparency, customer experience, and product strength.

1. 1

   SoFi

   Refi pioneer with member perks

   4.8

   Best for: High-balance refinancing

   "Best overall for student loan refi — fees, perks, and rates."

   Pros

   • No fees
   • Career coaching included
   • Unemployment protection

   Cons

   • Requires good credit
   • Loses federal protections
2. 2

   Earnest

   Custom payments and skip-a-payment

   4.7

   Best for: Borrowers wanting flexibility

   "Most flexible refi terms — pick the exact monthly payment you want."

   Pros

   • Choose your own monthly payment
   • Skip 1 payment/year
   • 9-day grace period

   Cons

   • Not available in NV / KY
   • Soft pull only after pre-qualify
3. 3

   Splash Financial

   Marketplace for student loan refi

   4.5

   Best for: Comparing multiple lenders

   "One application, multiple competing offers from top refi banks."

   Pros

   • Multiple lender offers
   • Soft credit pre-qual
   • Low advertised APRs

   Cons

   • Lender quality varies
   • You ultimately deal with partner lender