To refinance your student loans, you need to find a lender that offers student loan refinancing. Our compare lenders page makes it easy to review lenders and check your eligibility. You may refinance some or all of your student loans, including federal and private.
If you choose to combine your loans into a Direct Consolidation Loan, you will need to submit an application to StudentLoans.gov. The application process should take about 30 minutes. The Direct Consolidation Loan program is run by the U.S. Department of Education. This consolidation program is only available for federal student loans.