Smarter Loans for Smarter Borrowers
Helping students, recent graduates, and young professionals make smart financial decisions.
See your rate in minutes without affecting your credit score.
Reward the Hustle
You put in the work – got the grades, finished the degree, and landed the job. You did it. You earned it. U-fi recognizes your hard work, respects your ambition, and rewards your hustle. You’ve come a long way on your own – we can help you go even further. Let’s get to work.
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.
Learn MoreBenefits
Competitive Rates
Whether you’re taking out a new student loan or refinancing old ones, we’ll show you multiple options to lower your monthly payment or save you money over the life of your student loan.
Flexible Repayment
Choose from multiple rates and terms to find the student loan that works best for your lifestyle. Plus, enjoy a six-month grace period after you get your degree.
Dedicated Service
Expert borrower 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.
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
When to Consider Refinancing Student Loans
Refinance Loan Calculator
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About U-fi
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. See More.
FAQs
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.
Do I need a cosigner to qualify for loan refinancing?
No. Cosigners are only required if your application doesn’t meet certain minimum requirements like age, creditworthiness, employment, or income.
Undergraduate Minimum loan amount: $1,000 Maximum loan amount: $125,000 Graduate Minimum loan amount: $1,000 Maximum student loan limit: Graduate and doctorate: $150,000 MBA or graduate law degree: $175,000 Graduate health professions degree: $225,000
Your cosigner should be a trusted individual who has strong credit, a reliable annual income (at least $36,000), and is a U.S. citizen or has permanent residency status. Your cosigner can be released from the...
Smart Money
You have big dreams – we can help them come true. Our simple, smarter student loan and refinance solutions help you meet educational costs and achieve individual goals. Rich, fulfilling lives are built on smart financial decisions. At U-fi, the Smart Money is on you – and with you.
Laura Wegehaupt
U-fi customer
I’ll be saving tens of thousands of dollars with the new interest rate and terms I set up with U-fi. Their customer service has been absolutely fabulous.
