Student Loan Refinance Calculator

Enter Current Student Loan Details

Personalize the terms of your new loan to see
how your new rate impacts your repayment and savings.

Results are an estimate based on the full term of your new loan.
Remember, you can save even more by repaying your loans faster.
There's no prepayment penalty, so making additional payments can help you save more in the long run!


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IMPORTANT NOTICE: By refinancing federal student loans, you may lose certain borrower benefits from your original loans. These may include interest rate discounts, principal rebates, or some cancellation benefits that can significantly reduce the cost of repaying your loans. Please review this important disclosure for more information.

PLEASE NOTE: Calculations are based on the lowest possible rate (including .25% discount for optional enrollment in automatic electronic payments), which is based on credit criteria and repayment terms. View the full range of rates and terms. Using the free student loan payment calculator does not constitute an offer to receive a loan and will not solicit a loan offer. Any payments and savings will depend on the actual amounts for which you are approved, should you choose to apply. This calculator is provided for educational purposes only and should not be relied upon as financial advice. Always consult your credit union or financial advisor when making your decision.