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Borrowers Save Big.

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

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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.

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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.

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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.
Read More about Student Loan Refinance 101 – For New Graduates

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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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.

Average savings based on difference between average interest rate and payoff before refinancing and after refinancing with U-fi between August 2018 and March 2019. 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 Student Loans are currently available in all U.S. states except Vermont.
  2. At least half-time enrollment at a U-fi 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


  • Minimum loan amount: $1,000
  • Maximum loan amount: $125,000
  • Minimum loan amount: $1,000
  • Maximum student loan limit:
    • Graduate and doctorate: $175,000
    • MBA or graduate law degree: $175,000
    • Graduate health professions degree: $300,000

What Our Customers Are Saying

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.