Find the best student refi deal for you,
from harder-to-find lenders

An exclusive network of local, harder-to-find lenders

  • Smaller lenders
  • Better deals than big banks
  • Fast approval

There’s no impact to your credit score

Why refinance with Lend-Grow?

Exclusive Offers

We work with lenders that are hard to find and can often offer better deals.

Simplified Results

We don’t rank lenders based on commissions. See the best deal for you, period.

Tailored to Your Needs

Whether you want to save money each month or to pay off your loan as soon as possible, we have something for you.

Our Lowest Student Refi Rates

With loan terms of 5, 10, 15, 20 and 25 years


Starting At

4.90% APR


Starting At

5.28% APR

How Lend-Grow Stacks Up Against the Competition


  • Matched with the lender that has best deal for you
  • Access to smaller banks
  • We don't sell your information to third parties
Best Choice


  • Shows you dozens of options from lenders
  • Doesn't guide you to the best choice for you
  • Shares application information with third parties


  • Must use them as lender
  • Lenders don't compete for your business
  • Options limited to one lender

As Seen In:

As Seen In:

Plus, Earn Payback Rewards


Refinance with a lender on the Lend-Grow Marketplace


We will send you up to $500¹ just for refinancing

Join Thousands of Happy Customers

I would recommend your lender to anyone in need of a student loan and I certainly want to thank you and the lender’s customer service rep who provided incredible help and was very generous.

Samuel, Lend-Grow Customer

I actually refied my student loan through a lender in Lend-Grow's marketplace, and went from 4.54% to 3.55%! You guys are doing great work.  Keep it up!

Jared, Lend-Grow Customer

Lend-Grow was so easy to use and after much comparison were able to get me the best rate for refinancing out there!

Benjamin, Lend-Grow Customer


Lend-Grow is not a bank, but we connect you with banks and credit unions.

To be eligible for a one-time $500 cash bonus, you must refinance a student loan of $100,000 minimum and submit the rewards claim at https://lendgrow.com/signup/

You’ll see a variety of offers from small banks and credit unions. These lenders want more customers, and offer competitive rates to get them.

Once you’ve chosen a lender and your student refinance loan has funded, simply fill out this form.

You may refinance from $5,000 to $750,000 of your current federal, private, and parent plus loans. The loan limit depends on degree level for which the student loan was obtained.

Refinancing allows borrowers to combine there several loans into a single loan by taking out a new loan usually at a cheaper rate. The student loans you get while at school is based on the federal loan option, they not based on your credit profile. Once you start to work and build a good credit, you can significantly lower your rate and get out of debt sooner.

Federal loans and Private loans that you took out for your associate, bachelors, masters, or professional courses are eligible for refinancing. You are not required to have completed your program of study to be eligible for refinancing.

Parents who took out a Parent PLUS or private loan for their dependents are also eligible for refinancing. Parents, check out our article on benefits of refinancing Parent PLUS loans.

None of our lenders charge any origination or application fee. 

Find the Student Loan Refi Deal That's Right for You

 No impact to your credit score

1. Savings for student loan refinance borrowers is not guaranteed and the actual savings will vary based on borrower credit profile, existing loan, and refinanced loan term and type (fixed rated or variable rate). If you work in the Public sector, are in the military, or taking advantage of a federal department of relief program, such as income based repayment or public service forgiveness, you may not want to refinance, as these benefits do not transfer to private refinance/consolidation loans.

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