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If you don’t meet the requirements of a certain lender, a creditworthy cosigner can increase your approval odds and help you receive a lower interest rate.In this guide: Each student loan refinance lender has its own specific underwriting criteria, so your approval odds may be higher at one lender than another.Such changes will only apply to applications taken after the effective date of change.Please note: Due to federal regulations, Citizens Bank is required to provide every potential borrower with disclosure information before they apply for a private student loan.All of the banks and lenders below allow borrowers to refinance student loans, as well as consolidate them during the process.
The borrower will be eligible for a 0.25 percentage point interest rate reduction on their loan if the borrower or their co-signer (if applicable) has a qualifying account in existence with us at the time the borrower and their co-signer (if applicable) have submitted a completed application authorizing us to review their credit request for the loan.
As of June 1, 2019, the one-month LIBOR rate is 2.43%.
Variable interest rates range from 2.93%-9.67% (2.93%-9.67% APR) and will fluctuate over the term of the borrower's loan with changes in the LIBOR rate, and will vary based on applicable terms, level of degree earned and presence of a co-signer.
In addition to requiring your explicit permission, these credit pulls may impact your credit score. If you are approved for a loan, the interest rate offered will depend on your credit profile, your application, the loan term selected and will be within the ranges of rates shown.
Variable rate, based on the one-month London Interbank Offered Rate ("LIBOR") published in The Wall Street Journal on the twenty-fifth day, or the next business day, of the preceding calendar month.
Variable rates from 2.570% APR to 6.980% APR (with Auto Pay).