Student Loans Refinance Rates 2025. Earnest tops our list of best student loan refinance companies, offering qualified borrowers fixed and variable interest rates starting at 4.99% and 5.89%, respectively. Nerdwallet's best student loan refinancing companies of august 2025.
Federal student loan rates are fixed, meaning the rate won’t change for the life of. Choosing to refinance to a shorter term may increase your monthly payment, but lower the amount of interest you may pay.
