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We have created the most complete list of lenders currently willing to refinance student loan debt. Don’t worry about the impact on your credit score of applying to multiple lenders: so long as you complete all of your applications within 14 days, it will only count as one inquiry on your credit score.You can see the full list of lenders below, but we recommend you start here, and check rates from the top 4 national lenders offering the lowest interest rates.These 4 lenders also allow you to check your rate without impacting your score (using a soft credit pull), and offer the best rates of 2017: If you are in financial difficulty and can’t afford your monthly payments, a refinance is not the solution.Instead, you should look at options to avoid a default on student loan debt.Compensation may impact how and where products appear on non-editorial pages (e.g., comparison or "marketplace" pages).
We break down the consolidation process into four basic steps: Private student loans and federal student loans have separate consolidation procedures.You may be contacted by private companies that offer to help you apply for a Direct Consolidation Loan, for a fee. There’s no need to pay anyone for assistance in getting a Direct Consolidation Loan. The fixed rate is the weighted average of the interest rates on the loans being consolidated, rounded up to the nearest one-eighth of one percent. The loans that were consolidated are paid off and no longer exist.Refinancing student loans is a smart way to lower your monthly payments.In some cases, a lower interest rate can result in a significantly lower monthly payment on a school loan.