Last Updated July 2025
BEST OF THE BEST
DESCRIPTION
Splash Financial has the most affordable repayment options for medical students and provides the low...
FEATURES
- Best For - Competitive student loan refinancing solutions
- Rating - 4.8/5
Pros
- Splash Financial is one of the few companies that offer the option of refinancing with your spouse
- The Company conducts soft online checks without affecting clients’ credit scores
Widely Recommended Option
DESCRIPTION
Credible has a prequalification tool that allows borrowers to make comparisons of customized rates f...
FEATURES
- Best For - Streamlined student loan refinancing options
- Rating - 4.7/5
Pros
- The company allows clients to conduct a soft self-check online without affecting their credit scores.
- Credible makes it possible to compare rates from multiple lenders in one place.
DESCRIPTION
PenFred offers low-interest rates and spousal loan options, making it the best credit union in the m...
FEATURES
- Best For - Membership-based student loan refinancing
- Rating - 4.6/5
Pros
- Borrowers in marriage can refinance their student loans into a single loan
- PenFed allows borrowers to refinance parent PLUS loans under their names
- This student loan refinancer requires clients to deposit $5 to open a membership account.
DESCRIPTION
Laurel Road has reduced rates on student loan refinancing for optometrists, nurses, dentists, physic...
FEATURES
- Best For - Comprehensive student loan refinancing options
- Rating - 3.5/5
Pros
- Laurel Road refinances Parent PLUS loans.
- The Company does not charge originating, application, or disbursement fees
- Borrowers can choose a term length of under twenty years
DESCRIPTION
Earnest is the best choice for customized loan repayment with an exciting approach to underwriting b...
FEATURES
- Best For - Flexible and personalized student loan refinancing
- Rating - 4.9/5
Pros
- The Company's payments and loan terms are customizable
- Earnest offers an option to skip one payment every 12 months
- The Company provides discounts to borrowers subscribed to the autopay plan
- Earnest allows borrowers to refinance their entire student loan amount