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Best Student Loan Refinancing Services

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Last Updated July 2025

crown iconBEST OF THE BEST
Splash Financial

# 1



DESCRIPTION


Splash Financial

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
Credible

# 2



DESCRIPTION


Credible

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.
PenFed

# 3



DESCRIPTION


PenFed

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.
Laurel Road

# 4



DESCRIPTION


Laurel Road

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
Earnest

# 5



DESCRIPTION


Earnest

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
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