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Popular FAQs View All
How much you save depends on many factors, including current interest rate(s), your outstanding student loan debt, your repayment term, and your (or your cosigner's) credit history.
Refinance loans have several general requirements for eligibility.
You can select one of the following loan repayment terms:
- 5-year term
- 10-year term
- 15-year term
- 20-year term (for loan amounts of $25,000 or more)
- 25-year term (for loan amounts of $75,000 or more with variable rate interest)*
With a shorter repayment term, you may lower your interest rate and will lower your overall cost of borrowing, but you will have higher monthly payments. With a longer repayment term, you will lower your monthly payment amount, but you may have a higher interest rate and will increase your overall cost of borrowing.
No matter which term you choose, you can always make additional payments without penalty. This lets you pay off your loan faster and saves you money.
*Note: Not all repayment terms may be available depending on the borrower's and/or cosigner's credit.