Need help navigating your student loans? For me, student loan debt seemed like no big deal when I was starting school. It was just one more thing on the to-do list of starting school. You create your class schedule, get your text books, sign a couple of dotted lines to take out six figures of debt. You know, no biggie. But then, all of the sudden, I graduated. And then my student loans seemed like a really big deal. I felt completely alone. It seemed like I was given nothing but contradictory advice. Or people would even say things like ‘I would NEVER have taken out that much debt for school.” Things that weren’t really helpful, since I already had. I just want you to know that you are not alone. And you are not an idiot for taking out student loan debt.

If you haven’t read my student loan repayment plan, that might be a good starting point.

I’ve also created a student loans simplified series where I break down each one of the federal student loan repayment options. There is also a post on refinancing your student loans with a private lender.


In addition, if you have decided to refinance your student loans, or if you have maxed out all of your federal options and need a private lender, we have composed a list of our favorite legit options. We keep this list updated, so as we learn of other options we add them. If you choose to refinance, use any of the links below to automatically earn $100-$500.


Credible is an excellent student loan source. It streamlines most of these options into one place, by partnering with several companies. You will enter in your info, and they will help you choose the company that will work best for your situation (i.e. the one with the lowest interest rate for you, or best terms)

It offers rates as low as 2.13% variable and 3.74% fixed APR through its partnerships. It also boasts:

  • No service fee
  • No origination fee
  • No prepayment fee
  • Terms from 5 to 25 years.


  • With Commonbond you can refinance up more than $500,000 in private and federal student loans (helpful for people like us who actually have this much debt)
  • Terms of 5, 10, 15, or 20 years
  • Rates as low as 2.22% (variable), 3.50% (fixed) and 3.81% (hybrid)
  • It offers member protections including unemployment protection
  • No application, origination, or pre-payment fees


  • SoFi is quickly becoming one of the most popular choices among millennials.
  • Refinance and consolidate both federal and/or private student loans
  • Rates as low as 2.23% (variable) or 3.50% (fixed)
  • 5, 10, 15, 20 year repayment terms
  • Zero application fees, origination fees, or pre-payment fees
  • Offers unemployment protection


  • With College Avenue you can also refinance and consolidate both federal and/or private student loans
  • Rates as low as 2.63% (variable)
  • Takes about 3 minutes to get an instant decision (we tried it!)
  • Terms from 5-15 years
  • No application fees, origination fees, or pre-payment fees
  • Refinance amounts as low as $5,000 (federal & private)
  • 2 year interest-only option available


  • allows you to refinance with a not-for-profit credit union
  • Terms of 5, 10, 15, or 20 years
  • Rates as low as 2.22% for variable rates, 3.50% for fixed
  • Cosigner release is available after 12 months
  • No application, origination, or pre-payment fees

P.S. Be careful of student loan scams! The College Investor has a list of scams that you should watch out for, HERE.

If you have a company that you have used for your student loans, (and you like them) leave us a comment so that we can check them out!

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