Our student loan refinancing1 is unique in several ways:
- Merit-Based Rates: We offer our applicants low interest rates that they have earned by being financially responsible. Having a lower interest rate can help you save money over the life of the loan.
- No Fees: We never charge fees, including origination fees, application fees, extra payment fees, late fees, prepayment fees, etc. Our business is built on interest payments, not hidden fees.
- Minimal Third-Party Involvement: We believe in handling as much as we can ourselves to give you the best possible experience. While our affiliate MOHELA supports certain aspects of loan servicing, our Client Happiness team is still only a call or email away and always ready to help when you need us. To learn more about our relationship with MOHELA, please see this article.
- Enhanced Payment Selection: Set the exact payment amount you want without being restricted to standardized options that are not right for you. You can even specify the exact number of months in which you want to pay off your loan.
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Radical Flexibility: Our program is designed to flex with you and your life:
- We make it easy for you to choose the most optimal terms for your financial situation right when you sign.
- You can schedule extra payments to save on interest whenever you have extra funds available.
- We provide a variety of payment relief options if you’re having difficulty making payments. You can learn more about the payment relief options we offer here.
If you have any further questions, please click the "Get In Touch" button at the bottom of this article.
1 Please note that you will lose benefits associated with your underlying federal loans, such as federal Income-driven Repayment Plans, Economic Hardship Deferment, Public Service Loan Forgiveness, or other deferment and forbearance options, if you refinance into a private loan. If you file for bankruptcy, you may still be required to pay back this loan.