{
  "canary": "83bd8a331f275901",
  "category": {
    "blocked": false,
    "commerce": true,
    "criteria": [
      {
        "group": "Rates",
        "key": "interest_rate",
        "label": "Interest Rate",
        "poids": 5,
        "primary": true,
        "sens": "plus_bas_mieux",
        "type": "prix",
        "unit": "%"
      },
      {
        "group": "Rates",
        "key": "fees",
        "label": "Fees",
        "poids": 4,
        "sens": "plus_bas_mieux",
        "type": "prix",
        "unit": "USD"
      },
      {
        "group": "Rates",
        "key": "loan_terms",
        "label": "Loan Terms",
        "poids": 3,
        "sens": "plus_bas_mieux",
        "type": "nombre",
        "unit": "years"
      },
      {
        "group": "Rates",
        "key": "autopay_discount",
        "label": "Autopay Discount",
        "poids": 3,
        "sens": "plus_bas_mieux",
        "type": "prix",
        "unit": "%"
      },
      {
        "group": "Reputation",
        "key": "customer_service_rating",
        "label": "Customer Service Rating",
        "poids": 3,
        "sens": "plus_haut_mieux",
        "type": "nombre",
        "unit": "stars"
      },
      {
        "group": "Features",
        "key": "repayment_options",
        "label": "Repayment Options",
        "options": [
          "Standard",
          "Income-Driven",
          "Deferred",
          "Interest-Only"
        ],
        "poids": 2,
        "sens": "neutre",
        "type": "enum"
      },
      {
        "group": "Features",
        "key": "cosigner_release",
        "label": "Cosigner Release",
        "poids": 2,
        "sens": "plus_haut_mieux",
        "type": "boolean"
      },
      {
        "group": "Features",
        "key": "funding_speed",
        "label": "Funding Speed",
        "poids": 2,
        "sens": "plus_bas_mieux",
        "type": "nombre",
        "unit": "days"
      },
      {
        "group": "Features",
        "key": "loan_amounts",
        "label": "Loan Amounts",
        "poids": 2,
        "sens": "neutre",
        "type": "prix",
        "unit": "USD"
      },
      {
        "group": "Features",
        "key": "eligibility_requirements",
        "label": "Eligibility Requirements",
        "poids": 1,
        "sens": "neutre",
        "type": "texte"
      }
    ],
    "faq": [
      {
        "a": "In 2026, SoFi is leading our comparison of student loan refinance companies with a score of 30/100, closely followed by Discover. Our rankings are based on objective data and are not influenced by any paid placements.",
        "q": "What are the best companies to refinance student loans in 2026?"
      },
      {
        "a": "When choosing a student loan refinance company, consider factors like interest rates, fees, loan terms, and customer service ratings. Our comparison provides a detailed breakdown of these criteria for top providers.",
        "q": "How do I choose a student loan refinance company?"
      },
      {
        "a": "Interest rates for student loan refinancing vary significantly between lenders and depend on your creditworthiness. We compare the advertised interest rates and potential discounts, such as those for autopay, from leading companies.",
        "q": "What is the interest rate for student loan refinancing?"
      },
      {
        "a": "Some lenders may charge origination fees or other charges for refinancing student loans. Our comparison details the fee structures of each company to help you understand the total cost.",
        "q": "Are there any fees associated with refinancing student loans?"
      }
    ],
    "kind": "category",
    "model": "",
    "ms": 2509,
    "neutral": false,
    "path": [
      "finance",
      "credit",
      "refinance-loan",
      "student-loan-refinance"
    ],
    "price_key": "interest_rate",
    "profile_questions": [
      {
        "options": [
          "Under $10,000",
          "$10,000 - $30,000",
          "$30,000 - $75,000",
          "Over $75,000"
        ],
        "q": "What is your current student loan balance?"
      },
      {
        "options": [
          "Excellent (780+)",
          "Good (700-779)",
          "Fair (620-699)",
          "Poor (<620)"
        ],
        "q": "What is your credit score range?"
      },
      {
        "options": [
          "Yes",
          "No"
        ],
        "q": "Do you have a cosigner?"
      }
    ],
    "subject": "service",
    "suggestions": [
      "student loan calculator",
      "how to pay off student loans faster",
      "best private student loans",
      "student loan forgiveness programs"
    ],
    "synthese": [
      "This comparison evaluates 11 student loan refinances based on 10 criteria, including interest rate, fees, loan terms, autopay discount, customer service rating, and repayment options. SoFi ranks first with a score of 30/100, largely due to its high customer service rating of 98/100, while Discover also scores 30/100 and excels in loan terms. Yrefy is identified as the most affordable option. It's important to note that data for only 3 out of the 11 options is sourced, with the remaining values being estimates that are clearly marked as such.",
      "The facts in this summary are computed from the table below; only the wording is generated."
    ],
    "tier": "gold",
    "title": "Best Student Loan Refinance Companies",
    "unranked": false,
    "visual": "logo"
  },
  "country": "US",
  "freshness": {
    "age_days": 3.8,
    "stale": true,
    "ttl_days": 1
  },
  "items": [
    {
      "badges": [
        "best_overall"
      ],
      "best_for": "High-income clients or those with a modest lifestyle, including borrowers with an associate’s degree, seeking additional perks like career coaching.",
      "cons": [],
      "description": "SoFi was the first company to refinance federal and private student loans together, offering perks like career coaching and no-fee investing.",
      "link_url": "https://sofi.com/",
      "logo_dom": "sofi.com",
      "logo_url": "https://unavatar.io/sofi.com?fallback=false",
      "name": "SoFi",
      "pros": [
        "Refinances federal and private student loans together",
        "Offers career coaching",
        "Provides no-fee investing",
        "No minimum income requirement"
      ],
      "provider": "SoFi",
      "score": 30.0,
      "source_url": "https://www.debt.org/students/best-student-loan-refinance-lenders/",
      "subscores": {
        "customer_service_rating": 98.0,
        "funding_speed": 40.0,
        "loan_terms": 7.0
      },
      "values": {
        "autopay_discount": 0.25,
        "cosigner_release": true,
        "customer_service_rating": 4.7,
        "eligibility_requirements": "Minimum credit score is 650; typical credit score of approved borrowers or co-signers is 700-plus.",
        "fees": 0.0,
        "funding_speed": 5.0,
        "interest_rate": {
          "fixed": "3.899% to 7.979%",
          "variable": "2.47% to 6.99%"
        },
        "loan_amounts": {
          "min": 5000
        },
        "loan_terms": 15.0,
        "repayment_options": "Standard, Income-Driven, Deferred, Interest-Only"
      },
      "verified": true
    },
    {
      "badges": [],
      "description": "Discover provides student loan refinancing with no fees and a 100% U.S.-based customer service team.",
      "estimated": true,
      "link_url": "https://www.discover.com/",
      "logo_dom": "discover.com",
      "logo_url": "https://unavatar.io/discover.com?fallback=false",
      "name": "Discover",
      "provider": "Discover",
      "score": 30.0,
      "source_url": "https://www.discover.com/",
      "subscores": {
        "customer_service_rating": 100.0,
        "funding_speed": 20.0,
        "interest_rate": 5.0,
        "loan_terms": 10.0
      },
      "values": {
        "autopay_discount": 0.25,
        "cosigner_release": true,
        "customer_service_rating": 4.8,
        "eligibility_requirements": "Good credit score, stable income, US citizen or permanent resident",
        "fees": 0.0,
        "funding_speed": 10.0,
        "interest_rate": 5.3,
        "loan_amounts": 100000.0,
        "loan_terms": 10.0,
        "repayment_options": "Standard, Deferred, Interest-Only"
      },
      "verified": false
    },
    {
      "badges": [],
      "description": "ELFI offers student loan refinancing with competitive rates and a focus on customer service.",
      "estimated": true,
      "logo_dom": "elfi.com",
      "logo_url": "https://unavatar.io/elfi.com?fallback=false",
      "name": "Education Loan Finance (ELFI)",
      "provider": "ELFI",
      "score": 29.0,
      "source_url": "https://www.elfi.com/",
      "subscores": {
        "customer_service_rating": 96.0,
        "funding_speed": 20.0,
        "interest_rate": 5.0,
        "loan_terms": 7.0
      },
      "values": {
        "autopay_discount": 0.25,
        "cosigner_release": true,
        "customer_service_rating": 4.6,
        "eligibility_requirements": "Good credit score, stable income, US citizen or permanent resident",
        "fees": 0.0,
        "funding_speed": 10.0,
        "interest_rate": 5.0,
        "loan_amounts": 100000.0,
        "loan_terms": 15.0,
        "repayment_options": "Standard, Deferred, Interest-Only"
      },
      "verified": false
    },
    {
      "badges": [],
      "description": "Earnest offers competitive rates and flexible repayment options for student loan refinancing.",
      "estimated": true,
      "link_url": "https://earnest.com/",
      "logo_dom": "earnest.com",
      "logo_url": "https://unavatar.io/earnest.com?fallback=false",
      "name": "Earnest",
      "provider": "Earnest",
      "score": 29.0,
      "source_url": "https://www.earnest.com/",
      "subscores": {
        "customer_service_rating": 94.0,
        "funding_speed": 29.0,
        "interest_rate": 5.0,
        "loan_terms": 5.0
      },
      "values": {
        "autopay_discount": 0.25,
        "cosigner_release": true,
        "customer_service_rating": 4.5,
        "eligibility_requirements": "Good credit score, stable income, US citizen or permanent resident",
        "fees": 0.0,
        "funding_speed": 7.0,
        "interest_rate": 5.0,
        "loan_amounts": 100000.0,
        "loan_terms": 20.0,
        "repayment_options": "Standard, Income-Driven, Deferred, Interest-Only"
      },
      "verified": false
    },
    {
      "badges": [],
      "best_for": "Borrowers with good to excellent credit, especially those needing flexible in-school repayment options or co-signer release.",
      "cons": [
        "Co-signers are required for undergraduate and graduate loans"
      ],
      "description": "CommonBond generally lends to clients with good to excellent credit, offering multiple in-school deferment and repayment options.",
      "link_url": "https://commonbond.com/",
      "logo_dom": "commonbond.com",
      "logo_url": "https://unavatar.io/commonbond.com?fallback=false",
      "name": "CommonBond",
      "pros": [
        "Multiple in-school deferment and repayment options",
        "Co-signer release after two years of on-time payments"
      ],
      "provider": "CommonBond",
      "score": 28.0,
      "source_url": "https://www.debt.org/students/best-student-loan-refinance-lenders/",
      "subscores": {
        "customer_service_rating": 94.0,
        "funding_speed": 20.0,
        "interest_rate": 5.0,
        "loan_terms": 7.0
      },
      "values": {
        "autopay_discount": 0.25,
        "cosigner_release": true,
        "customer_service_rating": 4.5,
        "eligibility_requirements": "Generally lends to clients with good to excellent credit; co-signers are required for undergraduate and graduate loans.",
        "fees": 0.0,
        "funding_speed": 10.0,
        "interest_rate": 5.4,
        "loan_amounts": 100000.0,
        "loan_terms": 15.0,
        "repayment_options": [
          "Deferred",
          "Interest-Only"
        ]
      },
      "verified": true
    },
    {
      "badges": [],
      "description": "Laurel Road specializes in refinancing for healthcare professionals and offers competitive rates.",
      "estimated": true,
      "logo_dom": "laurel.com",
      "logo_url": "https://unavatar.io/laurel.com?fallback=false",
      "name": "Laurel Road",
      "provider": "Laurel Road",
      "score": 28.0,
      "source_url": "https://www.laurelroad.com/",
      "subscores": {
        "customer_service_rating": 96.0,
        "funding_speed": 20.0,
        "interest_rate": 5.0,
        "loan_terms": 5.0
      },
      "values": {
        "autopay_discount": 0.25,
        "cosigner_release": true,
        "customer_service_rating": 4.6,
        "eligibility_requirements": "Good credit score, stable income, US citizen or permanent resident",
        "fees": 0.0,
        "funding_speed": 10.0,
        "interest_rate": 4.9,
        "loan_amounts": 100000.0,
        "loan_terms": 20.0,
        "repayment_options": "Standard, Deferred, Interest-Only"
      },
      "verified": false
    },
    {
      "badges": [],
      "description": "Citizens Bank offers student loan refinancing with a variety of repayment options and no origination fees.",
      "estimated": true,
      "link_url": "https://www.citizensbank.com/",
      "logo_dom": "citizens.com",
      "logo_url": "https://unavatar.io/citizens.com?fallback=false",
      "name": "Citizens Bank",
      "provider": "Citizens Bank",
      "score": 27.0,
      "source_url": "https://www.citizensbank.com/",
      "subscores": {
        "customer_service_rating": 90.0,
        "funding_speed": 20.0,
        "interest_rate": 5.0,
        "loan_terms": 5.0
      },
      "values": {
        "autopay_discount": 0.25,
        "cosigner_release": true,
        "customer_service_rating": 4.3,
        "eligibility_requirements": "Good credit score, stable income, US citizen or permanent resident",
        "fees": 0.0,
        "funding_speed": 10.0,
        "interest_rate": 5.2,
        "loan_amounts": 100000.0,
        "loan_terms": 20.0,
        "repayment_options": "Standard, Deferred, Interest-Only"
      }
    },
    {
      "badges": [],
      "best_for": "Borrowers seeking competitive rates and excellent customer service through a network of smaller financial institutions.",
      "cons": [],
      "description": "LendKey partners with community banks and credit unions to offer low interest rates and prides itself on top-flight customer service.",
      "link_url": "https://lendkey.com/",
      "logo_dom": "lendkey.com",
      "logo_url": "https://unavatar.io/lendkey.com?fallback=false",
      "name": "LendKey",
      "pros": [
        "Low interest rates through partnerships with community banks and credit unions",
        "Top-flight customer service"
      ],
      "provider": "LendKey",
      "score": 25.0,
      "source_url": "https://www.debt.org/students/best-student-loan-refinance-lenders/",
      "subscores": {
        "customer_service_rating": 92.0,
        "funding_speed": 14.0,
        "loan_terms": 7.0
      },
      "values": {
        "autopay_discount": 0.25,
        "cosigner_release": true,
        "customer_service_rating": 4.4,
        "eligibility_requirements": "Minimum credit score is 660.",
        "fees": 0.0,
        "funding_speed": 14.0,
        "interest_rate": {
          "fixed": "5.48%+",
          "variable": "2.55%+"
        },
        "loan_amounts": {
          "max": 250000,
          "min": 7500
        },
        "loan_terms": 15.0,
        "repayment_options": "Standard, Income-Driven, Deferred, Interest-Only"
      },
      "verified": true
    },
    {
      "badges": [],
      "estimated": true,
      "link_url": "https://supermoney.com/",
      "name": "SuperMoney",
      "score": 25.0,
      "subscores": {
        "interest_rate": 5.0,
        "loan_terms": 100.0
      },
      "values": {
        "cosigner_release": null,
        "customer_service_rating": null,
        "eligibility_requirements": "Min. Credit Score: 660 - 680",
        "funding_speed": null,
        "interest_rate": "3.98% - 14.00%",
        "loan_amounts": null,
        "loan_terms": "1 to 25 years",
        "repayment_options": "Income-Based, Loan Rehabilitation"
      }
    },
    {
      "badges": [],
      "estimated": true,
      "name": "UW Credit Union",
      "score": 15.0,
      "subscores": {
        "funding_speed": 100.0,
        "interest_rate": 0.0,
        "loan_terms": 0.0
      },
      "values": {
        "cosigner_release": null,
        "customer_service_rating": null,
        "eligibility_requirements": "Borrowers must be(come) UW Credit Union members (students, faculty, staff, and alumni of Wisconsin’s public postsecondary system, as well as Wisconsin residents)",
        "funding_speed": "2-4 weeks",
        "interest_rate": "5.64%+ (Fixed), 5.04%+ (Variable, 15.00% cap)",
        "loan_amounts": "$5,000+",
        "loan_terms": "5, 7, 10 or 15 years",
        "repayment_options": null
      }
    },
    {
      "badges": [
        "cheapest",
        "best_value"
      ],
      "estimated": true,
      "link_url": "https://yrefy.com/",
      "name": "Yrefy",
      "score": 10.0,
      "subscores": {
        "interest_rate": 5.0,
        "loan_terms": 33.0
      },
      "values": {
        "cosigner_release": null,
        "customer_service_rating": null,
        "eligibility_requirements": "None (refinances defaulted loans)",
        "funding_speed": null,
        "interest_rate": "1.00% - 5.99% (Fixed)",
        "loan_amounts": "$5,000 - $350,000",
        "loan_terms": "3 - 10 or 15 years",
        "repayment_options": "Income-Based, Loan Rehabilitation"
      }
    }
  ],
  "lang": "en",
  "license": "Citation with a link to the URL is allowed. Bulk extraction and redistribution of the catalog is prohibited. Volume access: contact us.",
  "markdown_url": "https://comparefairly.com/en/US/best-student-loan-refinance-companies.md",
  "neutral": false,
  "notice": "Neutral ranking, never paid; sorted on measured criteria. Each value is sourced or marked as an estimate (see per-item fields).",
  "query": "best student loan refinance companies",
  "source": "CompareFairly",
  "title": "Best Student Loan Refinance Companies",
  "unranked": false,
  "url": "https://comparefairly.com/en/US/best-student-loan-refinance-companies"
}