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All of the banks and lenders below allow borrowers to refinance student loans, as well as consolidate them during the process.

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Our detailed reviews of the best student loan refinance companies can help you better compare your options to ensure you find the lowest rate, friendly repayment terms, and more.

The best lenders listed below are determined by our Editorial Ratings which analyze over 20 data points from 18 refinancing companies.

The maximum variable rate on the Education Refinance Loan is the greater of 21.00% or Prime Rate plus 9.00%.

Subject to additional terms and conditions, and rates are subject to change at any time without notice.

In addition to requiring your explicit permission, these credit pulls may impact your credit score. If you are approved for a loan, the interest rate offered will depend on your credit profile, your application, the loan term selected and will be within the ranges of rates shown.

Variable rate, based on the one-month London Interbank Offered Rate ("LIBOR") published in The Wall Street Journal on the twenty-fifth day, or the next business day, of the preceding calendar month.These ratings are completely objective and are not influenced by compensation in anyway.Note: In the following review boxes, "Cosigner Release" refers to removing the cosigner on your refinanced loan, if you have one.Variable rates from 2.570% APR to 6.980% APR (with Auto Pay).Interest rates on variable rate loans are capped at either 8.95% or 9.95% depending on term of loan.Fixed interest rates range from 3.89%-9.99% (3.89%-9.99% APR) based on applicable terms, level of degree earned and presence of a co-signer.