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Reviews of Top Student Loan Consolidation Providers

Dive into these reviews to compare the best student loan consolidation companies and choose the right one for you.

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Our Top Pick
SoFi®
Nov. 19, 2024
4 min read

SoFi®

SoFi is an online student loan refinancing company, with over 375,000 members who have refinanced over $30 billion in student loans. SoFi offers approval within minutes and funding of your current loans within 7 to 15 days. Student loan refinancing is recommended for borrowers who qualify for lower interest by refinancing than on their current loans.

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Credible
Feb. 24, 2025
4 min read

Credible

Credible is an online student loan refinancing marketplace. You can use Credible to fill out a quick, simple form and see persoanlized prequalified rates from top lenders in minutes, without sending your information directly to lenders or affecting your credit score. If you like a rate, you can apply and get your final offer in as little as one business day.

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Splash Financial
Jul. 23, 2024
3 min read

Splash Financial

Splash Financial is a student loan refinance company who has been refinancing student loan debt for over a decade. Splash works as a loan refinancing marketplace. After you apply with Splash, you choose the bank or credit union lending partner that offers you the rate and terms that work for you.

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Earnest
Jan. 26, 2025
4 min read

Earnest

With Earnest, you can apply and see student refinancing rates you qualify for in as little as 2 minutes. They are a direct lender, so your loan is funded by Earnest as well as serviced by them. Earnest also has programs to help you manage student loan repayments, such as the ability to skip one payment per year.

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Built for Struggling Borrowers
Yrefy
Jan. 06, 2025
2 min read

Yrefy

Yrefy specializes in student loan refinancing for delinquent and defaulted student loans, offering tailored solutions to individuals with challenging credit situations. Known for personalized repayment terms and unique eligibility criteria, Yrefy is a standout choice for borrowers seeking flexible refinancing options.

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Citizens Bank
Sep. 14, 2022
3 min read

Citizens Bank

Citizens makes it easy for you to refinance one or more student loans in as little as fifteen minutes. Their loans are made by Citizens, a fully insured bank. You can refinance your student loans to remove a cosigner, consolidate multiple loans, or lower your interest rate. The average Citizens customer who refinances student loans to take advantage of a lower interest rate saves $2,628 per year.

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ELFI
Jan. 26, 2025
4 min read

ELFI

ELFI refinancing lets you combine multiple loans into one simple, easy to pay, affordable loan. With some of the lowest interest rates in the industry and a simple application process it's a great option for young professionals who are struggling with repayment of their student loans.

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MEFA
Jan. 21, 2025
4 min read

MEFA

MEFA (Massachusetts Educational Financing Authority) is a non-profit organization that offers undergraduate and postgraduate student loans at very competitive fixed interest rates, and student loan refinancing at fixed and variable rates. MEFA has flexible repayment plans that include deferred payments and an interest-only grace period.

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LendKey
Jan. 26, 2025
5 min read

LendKey

LendKey lets customers tailor their loan terms for maximum savings and benefits while offering the ability to refinance and consolidate both private and federal loans. By working with local and community financial services providers, LendKey empowers customers to find lower interest rates.

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NaviRefi
Mar. 09, 2025
3 min read

NaviRefi

For over four decades, NaviRefi has helped borrowers refinance their federal and private student loans. NaviRefi offers customizable terms from 5 to 20 years and a 0.25% auto-pay discount. NaviRefi charges no application, prepayment, or late fees, and getting a rate requires a hard credit check.

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