How to Refinance Sallie Mae Student Loans

How to Refinance Sallie Mae Student Loans


Credible Rating


Credible lender rankings are evaluated by our editorial group with the assistance of our loan operations group. The score standards for lenders embody 78 knowledge factors spanning rates of interest, loan phrases, eligibility requirement transparency, compensation choices, charges, reductions, customer support, cosigner choices, and extra. Read our full methodology.

4.54%+ N/A 10, 15, 20 Yes, after 24 – 36 months
  • Fixed APR:
    4.54%+
  • Variable APR:
    N/A
  • Min. credit rating:
    Does not disclose
  • Loan quantity:
    $7,500 as much as $500,000
  • Loan phrases (years):
    10, 15, 20
  • Max. undergraduate loan stability:
    $250,000 – $500,000
  • Time to fund:
    4 months
  • Repayment choices:
    Immediate compensation, forbearance, loans discharged upon demise or incapacity
  • Fees:
    None
  • Discounts:
    Autopay
  • Eligibility:
    Must be a resident of Kentucky
  • Customer service:
    Phone
  • Soft credit examine:
    No
  • Cosigner launch:
    After 36 months
  • Loan servicer:
    Kentucky Higher Education Student Loan Corporation
  • Max. graduate loan stability:
    $250,000 – $500,000
  • Credible Review:
    Advantage Education Loan assessment
  • Offers Parent PLUS Refinancing :
    Yes


Credible Rating


Credible lender rankings are evaluated by our editorial group with the assistance of our loan operations group. The score standards for lenders embody 78 knowledge factors spanning rates of interest, loan phrases, eligibility requirement transparency, compensation choices, charges, reductions, customer support, cosigner choices, and extra. Read our full methodology.

2.15%+ 1.87%+ 5, 7, 10, 15, 20 No
  • Fixed APR:
    2.15%+
  • Variable APR:
    N/A
  • Min. credit rating:
    Does not disclose
  • Loan quantity:
    $10,000 to $400,000
  • Loan phrases (years):
    5, 7, 10, 15, 20
  • Repayment choices:
    Military deferment, forbearance
  • Fees:
    Late charge
  • Discounts:
    Autopay
  • Eligibility:
    Must have a credit rating of not less than 720, a minimal earnings of $60,000, and have to be a resident of Texas
  • Customer service:
    Email, cellphone
  • Soft credit examine:
    Does not disclose
  • Cosigner launch:
    No
  • Loan servicer:
    Firstmark Services
  • Max. Undergraduate Loan Balance:
    $100,000 – $149,000
  • Max. Graduate Loan Balance:
    $200,000 – $400,000
  • Offers Parent PLUS Refinancing:
    Does not disclose


Credible Rating


Credible lender rankings are evaluated by our editorial group with the assistance of our loan operations group. The score standards for lenders embody 78 knowledge factors spanning rates of interest, loan phrases, eligibility requirement transparency, compensation choices, charges, reductions, customer support, cosigner choices, and extra. Read our full methodology.

2.39%+1 2.24%+1 5, 7, 10, 15, 20 Yes, after 24 – 36 months
  • Fixed APR:
    2.39%+1
  • Variable APR:
    2.24%+1
  • Min. credit rating:
    Does not disclose
  • Loan quantity:
    $10,000 to $750,000
  • Loan phrases (years):
    5, 7, 10, 15, 20
  • Repayment choices:
    Immediate compensation, tutorial deferment, navy deferment, forbearance, loans discharged upon demise or incapacity
  • Fees:
    Late charge
  • Discounts:
    Autopay, loyalty
  • Eligibility:
    Must be a U.S. citizen or everlasting resident and have not less than $10,000 in student loans
  • Customer service:
    Email, cellphone, chat
  • Soft credit examine:
    Yes
  • Cosigner launch:
    After 24 to 36 months
  • Loan servicer:
    Firstmark Services
  • Max. Undergraduate Loan Balance:
    $100,000 to $149,000
  • Max. Graduate Loan Balance:
    Less than $150,000
  • Offers Parent PLUS Refinancing:
    Yes
READ:   What Is Capitalized Interest On Student Loans?


Credible Rating


Credible lender rankings are evaluated by our editorial group with the assistance of our loan operations group. The score standards for lenders embody 78 knowledge factors spanning rates of interest, loan phrases, eligibility requirement transparency, compensation choices, charges, reductions, customer support, cosigner choices, and extra. Read our full methodology.

2.99%+2 2.94%+2 5, 7, 10, 12, 15, 20 Yes, after 24 – 36 months
  • Fixed APR:
    2.99%+2
  • Variable APR:
    2.94%+2
  • Min. credit rating:
    Does not disclose
  • Loan quantity:
    $5,000 to $300,000
  • Loan phrases (years):
    5, 7, 10, 12, 15, 20
  • Repayment choices:
    Military deferment, forbearance, loans discharged upon demise or incapacity
  • Fees:
    Late charge
  • Discounts:
    Autopay
  • Eligibility:
    All states aside from ME
  • Customer service:
    Email, cellphone, chat
  • Soft credit examine:
    Yes
  • Cosigner launch:
    After 24 to 36 months
  • Loan servicer:
    College Ave Servicing LLC
  • Max. Undergraduate Loan Balance:
    $100,000 to $149,000
  • Max. Graduate Loan Balance:
    Less than $300,000
  • Offers Parent PLUS Refinancing:
    Yes


Credible Rating


Credible lender rankings are evaluated by our editorial group with the assistance of our loan operations group. The score standards for lenders embody 78 knowledge factors spanning rates of interest, loan phrases, eligibility requirement transparency, compensation choices, charges, reductions, customer support, cosigner choices, and extra. Read our full methodology.

2.16%+ 2.11%+ 5, 7, 10, 15, 20 Yes, after 24 months
  • Fixed price:
    2.39%+1
  • Variable price:
    2.24%+1
  • Min. credit rating:
    680
  • Loan quantity:
    $5,000 to $500,000
  • Cosigner launch:
    Yes
  • Loan phrases (years):
    5, 7, 10, 15, 20
  • Repayment choices:
    Academic deferment, forbearance, loans discharged upon demise or incapacity
  • Fees:
    Late charge
  • Discounts:
    Autopay
  • Eligibility:
    Available in all states, besides MS and NV
  • Customer service:
    Email, cellphone, chat
  • Soft credit examine:
    Yes
  • Loan servicer:
    FirstMark
  • Max. undergraduate loan stability:
    $500,000
  • Max. graduate loan stability:
    $500,000
  • Offers Parent PLUS refinancing:
    Yes
  • Min. earnings:
    $65,000 (for 15- and 20-year merchandise)


Credible Rating


Credible lender rankings are evaluated by our editorial group with the assistance of our loan operations group. The score standards for lenders embody 78 knowledge factors spanning rates of interest, loan phrases, eligibility requirement transparency, compensation choices, charges, reductions, customer support, cosigner choices, and extra. Read our full methodology.

3.91%+5 1.80%+5 10, 15, 20 Yes, after 36 months
  • Fixed APR:
    3.91%+5
  • Variable APR:
    1.80%+5
  • Min. credit rating:
    700
  • Loan quantity:
    $7,500 to $200,000
  • Loan phrases (years):
    5, 10, 15, 20
  • Repayment choices:
    Immediate compensation, tutorial deferment, forbearance, loans discharged upon demise or incapacity
  • Fees:
    None
  • Discounts:
    Autopay
  • Eligibility:
    Must be a U.S. citizen or everlasting resident and submit two private references
  • Customer service:
    Email, cellphone
  • Soft credit examine:
    Yes
  • Cosigner launch:
    After 36 months
  • Loan servicer:
    Granite State Management & Resources (GSM&R)
  • Max. Undergraduate Loan Balance:
    $150,000 to $249,000
  • Max. Graduate Loan Balance:
    $150,000 to $199,000
  • Offers Parent PLUS Refinancing :
    Yes
READ:   Financial help for additional schooling


Credible Rating


Credible lender rankings are evaluated by our editorial group with the assistance of our loan operations group. The score standards for lenders embody 78 knowledge factors spanning rates of interest, loan phrases, eligibility requirement transparency, compensation choices, charges, reductions, customer support, cosigner choices, and extra. Read our full methodology.

2.58%+3 2.39%+ 5, 7, 10, 12, 15, 20 No
  • Fixed APR:
    2.58%+3
  • Variable APR:
    2.39%+
  • Min. credit rating:
    680
  • Loan quantity:
    No most
  • Loan phrases (years):
    5, 7, 10, 12, 15, 20
  • Repayment choices:
    Forbearance
  • Fees:
    None
  • Discounts:
    None
  • Eligibility:
    Must be a U.S. citizen or everlasting resident, have not less than $15,000 in student loan debt, and have a bachelor’s diploma or increased from an authorized faculty
  • Customer service:
    Email, cellphone
  • Soft credit examine:
    Yes
  • Cosigner launch:
    No
  • Loan servicer:
    Mohela
  • Max. Undergraduate Loan Balance:
    No most
  • Max. Graduate Loan Balance:
    No most
  • Offers Parent PLUS Refinancing:
    Yes


Credible Rating


Credible lender rankings are evaluated by our editorial group with the assistance of our loan operations group. The score standards for lenders embody 78 knowledge factors spanning rates of interest, loan phrases, eligibility requirement transparency, compensation choices, charges, reductions, customer support, cosigner choices, and extra. Read our full methodology.

3.47%+4 2.42%+ 5, 10, 15, 20 Yes
  • Fixed APR:
    3.47%+4
  • Variable APR:
    2.42%+
  • Min. credit rating:
    670
  • Loan quantity:
    $5,000 to $250,000
  • Loan phrases (years):
    5, 10, 15, 20
  • Repayment choices:
    Academic deferment, navy deferment, forbearance
  • Fees:
    Late charge
  • Discounts:
    Autopay
  • Eligibility:
    Must be U.S. citizen or everlasting resident
  • Customer service:
    Email, cellphone, chat
  • Soft credit examine:
    Yes
  • Cosigner launch:
    Yes
  • Max undergraduate loan stability:
    $250,000
  • Max graduate loan stability:
    $250,000
  • Offers Parent PLUS refinancing:
    Yes


Credible Rating


Credible lender rankings are evaluated by our editorial group with the assistance of our loan operations group. The score standards for lenders embody 78 knowledge factors spanning rates of interest, loan phrases, eligibility requirement transparency, compensation choices, charges, reductions, customer support, cosigner choices, and extra. Read our full methodology.

3.05%+ 3.05%+ 7, 10, 15 No
  • Fixed APR:
    3.05%+
  • Variable APR:
    3.05%+
  • Min. credit rating:
    670
  • Loan quantity:
    $10,000 as much as the overall quantity
  • Loan phrases (years):
    7, 10, 15
  • Repayment choices:
    Military deferment, loans discharged upon demise or incapacity
  • Fees:
    None
  • Discounts:
    None
  • Eligibility:
    Must be a U.S. citizen or everlasting resident and have not less than $10,000 in student loans
  • Customer service:
    Email, cellphone
  • Soft credit examine:
    Yes
  • Cosigner launch:
    No
  • Loan servicer:
    AES
  • Max. Undergraduate Loan Balance:
    No most
  • Max. Gradaute Loan Balance:
    No most
  • Offers Parent PLUS Refinancing:
    Yes


Credible Rating


Credible lender rankings are evaluated by our editorial group with the assistance of our loan operations group. The score standards for lenders embody 78 knowledge factors spanning rates of interest, loan phrases, eligibility requirement transparency, compensation choices, charges, reductions, customer support, cosigner choices, and extra. Read our full methodology.

2.89%+ N/A 5, 8, 12, 15 Yes, after 12 months
  • Fixed APR:
    2.89%+
  • Variable APR:
    N/A
  • Min. credit rating:
    670
  • Loan quantity:
    $7,500 to $300,000
  • Loan phrases (years):
    5, 8, 12, 15
  • Repayment choices:
    Does not disclose
  • Fees:
    None
  • Discounts:
    None
  • Eligibility:
    Must be a U.S. citizen and have and not less than $7,500 in student loans
  • Customer service:
    Email, cellphone, chat
  • Soft credit examine:
    Yes
  • Cosigner launch:
    After 12 months
  • Loan servicer:
    PenFed
  • Max. Undergraduate Loan Balance:
    $300,000
  • Max. Graduate Loan Balance:
    $300,000
  • Offers Parent PLUS Refinancing:
    Yes


Credible Rating


Credible lender rankings are evaluated by our editorial group with the assistance of our loan operations group. The score standards for lenders embody 78 knowledge factors spanning rates of interest, loan phrases, eligibility requirement transparency, compensation choices, charges, reductions, customer support, cosigner choices, and extra. Read our full methodology.

3.29%+ N/A 5, 10, 15 No
  • Fixed APR:
    3.29%+
  • Variable APR:
    N/A
  • Min. credit rating:
    680
  • Loan quantity:
    $7,500 to $250,000
  • Loan phrases (years):
    5, 10, 15
  • Repayment choices:
    Academic deferment, navy deferment, forbearance, loans discharged upon demise or incapacity
  • Fees:
    None
  • Discounts:
    Autopay
  • Eligibility:
    Available in all 50 states; should even have not less than $7,500 in student loans and a minimal earnings of $40,000
  • Customer service:
    Email, cellphone
  • Soft credit examine:
    Does not disclose
  • Cosigner launch:
    No
  • Loan servicer:
    Rhode Island Student Loan Authority
  • Max. Undergraduate Loan Balance:
    $150,000 – $249,000
  • Max. Graduate Loan Balance:
    $200,000 – $249,000
  • Offers Parent PLUS Refinancing:
    Yes


Credible Rating


Credible lender rankings are evaluated by our editorial group with the assistance of our loan operations group. The score standards for lenders embody 78 knowledge factors spanning rates of interest, loan phrases, eligibility requirement transparency, compensation choices, charges, reductions, customer support, cosigner choices, and extra. Read our full methodology.

2.74%+6 2.25%6 5, 7, 10, 15, 20 No
  • Fixed APR:
    2.74%+6
  • Variable APR:
    2.25%6
  • Min. credit rating:
    Does not disclose
  • Loan quantity:
    $5,000 as much as the complete stability
  • Loan phrases (years):
    5, 7, 10, 15, 20
  • Repayment choices:
    Academic deferment, navy deferment
  • Fees:
    None
  • Discounts:
    Autopay, loyalty
  • Eligibility:
    Available in all 50 states
  • Customer service:
    Email, cellphone, chat
  • Soft credit examine:
    Yes
  • Cosigner launch:
    No
  • Max undergraduate loan stability:
    No most
  • Max graduate loan stability:
    No most
  • Offers Parent PLUS refinancing:
    Yes
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