Student Loan Refinance Rates & Terms

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Student Loan Refinance Rates and Terms. The tables below provide estimates for a $10,000 loan for multiple terms, including the 0.25% Auto-Pay Discount 3, depending upon the Credit Score you select.

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Fixed Rates

Terms Rate3 Repayment APR3 Number of Payments Monthly Payment4 Total Payments4
5 Year

4.21%

4.21%

 60

$185.11

$11,106.86
7 Year

4.70%

4.70%

 84

$139.93

$11,754.43
10 Year

4.71%

4.71%

 120

$104.65

$12,558.44
15 Year

5.05%

5.05%

 180

$79.34

$14,281.21
20 Year

5.19%

5.19%

 240

$67.05

$16,091.92

Variable Rates

Terms Rate3 Repayment APR3 Number of Payments Monthly Payment4 Total Payments4
5 Year

4.83%

4.83%

 60

$187.93

$11,276.07
7 Year

5.23%

5.23%

 84

$142.42

$11,963.48
10 Year

6.13%

6.13%

 120

$111.67

$13,400.93
15 Year

6.43%

6.43%

 180

$86.73

$15,610.75
20 Year

6.63%

6.63%

 240

$75.32

$18,077.91

(Variable APRs and amounts subject to increase or decrease. The Variable Rate is based on an Index of the greater of the (A) 30-Day Average SOFR or the (B) forward looking term rate based on SOFR, plus a Margin. This Loan Calculator assumes the current SOFR of 4.08%. The actual SOFR Index may change monthly. This may cause your payment to increase or decrease after disbursement. Your interest rates are capped and will never exceed 9.90%.)

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