​Student loan refinancing interest rates change all the time. Because these private lenders do not set interest rates for a set period of time, like the Department of Education does for new federal student loans, they can change any day.

With this constant change, it is important to know the current interest rates when shopping for a student loan refinancing lender. Knowing the range of interest rates allows you to make better decisions about which lender to apply to.

To help student loan borrowers stay up-to-date on refinancing interest rates, we will be releasing a new article each month with the current rates. We will also periodically update these posts to reflect any changes that occur within the month.

Below you will find the current interest rates for 6 of the top refinancing lenders in the industry. Looking for in-school student loan interest rates? Click here.


sofi interest rates

Variable APR:

2.235% - 6.270%​

Fixed APR:

3.375% - 6.740%


college ave refinancing rates

Variable APR:

2.63% - 5.88%​

Fixed APR:

4.75% - 7.35%


lendkey student loan refinancing interest rates

Variable APR:

2.09% - 5.72%

Fixed APR:

3.25% - 7.26%


citizens-bank-student-loan-refinancing-interest-rates

Variable APR:

2.37% - 8.16%

Fixed APR:

4.74% - 8.24%


earnest student loan refinancing interest rates

Variable APR:

2.34% - 6.02%

Fixed APR:

3.38% - 6.74%


commonbond-student-loan-refinancing-interest-rates

Variable APR:

2.32% - 6.18%

Fixed APR:

3.37% - 7.74%


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