Earnest
Earnest Student Loan Refinance
4.5
APR Range
4.96%–9.99%
Loan Amount
$5k–$500k
Term
60–240 mo
Origination Fee
None
Earnest offers precision pricing that tailors your rate to your exact financial profile. Notably low maximum APR of 9.99%.
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Best Student Loan Refinance of 2026
Refinance to a lower rate and save over the life of your loan.
Best
SoFi
SoFi Student Loan Refinance
4.6
APR Range
4.99%–14.70%
Loan Amount
$5k–$500k
Term
60–240 mo
Origination Fee
None
SoFi leads the student loan refinance market with zero fees, unemployment protection, and generous loan limits up to $500K.
PenFed
PenFed Student Loan Refinance
4.3
APR Range
5.49%–9.99%
Loan Amount
$8k–$300k
Term
60–240 mo
Origination Fee
None
PenFed brings credit-union-level rates to student loan refinancing with no fees and a low rate cap.
Marcus by Goldman Sachs
Marcus Student Loan Refinance
4.4
APR Range
5.99%–9.99%
Loan Amount
$5k–$300k
Term
60–240 mo
Origination Fee
None
Backed by Goldman Sachs, Marcus provides a trusted refinancing option with a low rate ceiling and no fees.