First Republic Student Loan Refinance Review
First Republic has ended its student loan refinance option.
Rank | Lender | Interest_Rates_ | Loan_Amounts____ |
---|---|---|---|
1 | ![]() | 3.94%* – 9.99% | $5,000 – No Max |
Splash Financial Review: Splash has competitive rates, but they start slightly higher than the top lenders. Splash also offers unique 8 and 12 year repayment terms. | Application + Up to $500 Bonus | ||
2 | ![]() | 4.86% – 8.44% | $10,000 – No Max |
ELFI Review: ELFI routinely offers excellent interest rates. Even though ELFI is new, it is the product of a regional bank that has been in business for decades. | Application + $150 Bonus | ||
3 | ![]() | 4.49% – 9.99% | $5,000 – No Max |
SoFi Review: SoFi is the biggest name in student loan refinancing for a simple reason – their rates are reliably among the best on the market. | Application | ||
4 | ![]() | 4.29% – 9.73%^ | $5,000 – No Max |
Earnest Review: The rates advertised by Earnest are among the best, but in head to head comparisons, Earnest often falls short in actual rates offered. Earnest scores points because it has by far the most flexibility on loan repayment length. | Application + $150 Bonus^ | ||
5 | ![]() | 4.68% – 9.12% | $5,000 – $300,000 |
LendKey Review: LendKey partners with local banks and credit unions to provide their loans. The end result is competitive rates provided by local reputable businesses. | Application + $150 Bonus |
Note: The lowest listed rate for each lender is listed as an APR (Annual Percentage Rate) with all discounts available. The industry standard among nearly all lenders is to offer a .25% autopay discount. Listed rate for SoFi is Fixed Rate APR.
Click here for the full list of national lenders and reviews.
Methodology: Learn how these rankings are generated.
First Republic has ended its student loan refinance option.
The graduate education required to become a social worker may mean a lot of student loan debt, but there are excellent debt elimination opportunities.
Picking the best lender often comes down to identifying the company offering the best interest rates on a refinance loan.
SoFi and Citizens bank are two major student loan refinance lenders but there are some major differences borrowers should understand.
SoFi and College Ave have similar interest rates, but SoFi gets the edge for most borrowers.
Seeing double student debt on your credit report is scary. Fortunately, this issue often quickly resolves itself.
Refinancing or your student loans can save thousands of dollars with a little bit of effort, but mistakes are very costly and hard to fix.
College Ave is a middle-of-the-road student loan refinancing company. It may be a good option for some, but it comes with red flags. 3/5 Stars.
Getting rejected on a student loan refinance application is brutal, but there are many strategies that will lead to a different outcome.