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In response to COVID-19, some federal loans may qualify for a temporary interest waiver. If you refinance your federally-held loans with U-fi From Nelnet, they will no longer qualify for this waiver. If you have questions regarding the interest waiver, please visit the Federal Student Aid website for the most up to date information.

Borrowers Save Big.

Average student loan refinance savings of $15k* and low rates on school loans.

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Rewarding Your Hustle

You put in the work. Got the grades, finished the degree, and landed the job. You’ve come a long way – we can help you go even further. You’ve earned your success. Now let us reward it.

Student Loan Refinancing

Simplify your student loans into one monthly payment while potentially saving on your interest rate.

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Student Loans

Reach your educational goals by focusing on your studies, not your finances.

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Competitive Rates

Whether you’re taking out a new student loan or refinancing old ones, we’ll show you options to potentially lower your monthly payment or save you money over the life of your loan.

Flexible Repayment

Choose from multiple rates and terms to find the private student loan that works best for your lifestyle. Plus, enjoy a six-month grace period after you get your degree.

Dedicated Service

Expert customer support is only an email, chat, or phone call away. Our friendly team will help you choose the right student loan product or answer any question you may have.

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Helping Make Financial Decisions Easier

Study up and consider your options so you can make smart financial choices every day. Hungry for more resources? Check out our article page.

Student Loan Refinance 101 – For New Graduates

Understand the basics of refinancing your student loans as you start the repayment process. Know who can benefit, which loans are eligible, and other factors to consider when refinancing.
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When to Consider Refinancing Student Loans

Refinancing gives borrowers the option to adjust the life and interest rate of their student loans. Here are six questions to consider before pursuing refinancing.
Read More about When to Consider Refinancing Student Loans

Refinance Loan Calculator


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The lowest interest rate requires a creditworthy eligible borrower, and automatically withdrawn (“auto debit”) payments, a five-year repayment term, and borrowers making immediate principal and interest payments. Not all borrowers will receive the lowest rate. back

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About U-fi From Nelnet

Our mission is to help students and recent graduates make smart financial choices and accomplish their educational goals.


Your actual savings may vary based on interest rates, outstanding balances, remaining repayment terms, and other factors.

Average savings based on difference between average interest rate and payoff before refinancing and after refinancing with U-fi From Nelnet between August 2018 and May 2020. Savings reflects both fixed and variable rate loans at time of refinancing and includes all repayment terms. Your actual savings may vary based on interest rates, outstanding balances, remaining repayment terms, and other factors.
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Have questions about student loans? We’ve got answers – lots of them. Below you’ll find a few of our most common questions. If that’s not what you were looking for, check out our FAQ page.

  1. U.S. citizenship or permanent residency status and possession a valid U.S. Social Security number. U-fi From Nelnet Student Loans are currently available in all U.S. states except Vermont.
  2. At least half-time enrollment at a U-fi From Nelnet eligible school for the loan period in questions
  3. Annual income of at least $36,000
  4. Neither borrower nor cosigner can have previously defaulted on a student loan
  5. Neither borrower nor cosigner can have filed for bankruptcy in the past seven years
  6. Have a 680+ credit score

Some of your repayment options include:

  • Immediate repayment (you'll only be required to make full principal and interest payments as soon as the loan is disbursed)
  • Interest-only repayment (you’ll make interest-only payments while in school)
  • Defer Principal and interest payments (you won’t be required to make any payments until after you graduate)
  • Repayment terms from 5-15 years

A cosigner is a creditworthy person willing to assume responsibility for loan liabilities if the borrower fails to repay the loan. Applying with a cosigner may help you qualify for a loan and also lower your interest rate. Cosigners must be eligible U.S. citizens or permanent residents.

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