We Guarantee a Lower
Payment
or You Pay Nothing.
Federal and private student loans restructured into payments that let you actually start your life. No SSN. No hard pull. No commitment to check your rate.
Live Estimate
Federal + Private Mix
Over 10-year fixed · Based on avg. refinancing data, Feb 2026
Soft pull only · No SSN required · Takes 60 seconds
Every fee we charge.
Every fee we don't.
Other lenders bury costs in Section 4.7(b). We put ours in a table on the landing page.
Origination Fee
Application Fee
Prepayment Penalty
Late Payment Fee
Rate Lock Fee
Co-Signer Release Fee
Rates and fees accurate as of February 2026. Subject to change with 30-day notice. All loans subject to credit approval.
Every fee. Listed. Right here.
We publish our complete fee schedule before you apply. If we charge something not on this list, your first three months are free. That's not marketing — it's in your loan agreement.
Your rate doesn't move while you decide.
Once you're approved, your rate is locked for 90 days at no charge. Interest rate volatility affects 44% of borrower timing decisions. We remove that variable entirely.
Run the math yourself.
We'll hold the rate while you do.
Adjust your balance, current rate, and term. Every number updates in real time. This is exactly what your loan agreement will say — no surprises.
Your Loan Details
Current Monthly
$828
at 7.94% APR
New Monthly with Defer
$732
at 5.18% APR
Monthly Savings
$96
every month, starting month one
Total Interest Saved
$11,543
over 10 years
Illustrative estimates only. Actual rate subject to credit approval. Federal loan benefits (income-driven repayment, forgiveness programs) are forfeited upon refinancing with a private lender.
Lock this rate for 90 days
No commitment. No SSN. No hard pull.
You can look without touching.
Your score stays exactly where it is.
29% of first-time refinancers don't apply because they're afraid of damaging their credit. That fear is valid — but it doesn't apply here. We use a soft pull only. Your credit report will never show we ran a check until you sign final documents.
What happens when you click "Check My Rate"
Soft Pull vs. Hard Pull
A soft inquiry lets us see your credit profile to generate a rate. It's invisible to other lenders and never lowers your score. A hard inquiry — what mortgage lenders and credit card companies run — can drop your score 5–10 points. We don't run one until you've accepted an offer and signed documents.
FCRA-compliant. Does not affect credit score. Does not appear on credit report. Compliant with all 50 states.
74%
of approved borrowers had a credit score above 680
0
hard inquiries until you sign your final loan documents
90 days
rate lock period at no cost — longest in the industry
44%
faster approval time vs. 2023 industry average
Not ready to quote? Download the 8-page document that explains every right you have as a borrower — written in plain English, not legalese.
The math changed.
So did their lives.
"I was paying $1,140 a month on $89K in grad school loans. That was more than my rent. Defer got me to $887. I finally started saving for a house.
Jordan Vasquez
Software Engineer, 28 · Denver, CO
Graduate school loans
Old Rate
7.94%
New Rate
5.12%
Monthly Savings
$253/mo
Lifetime Savings
$30,360
Platform average
$247/mo
average monthly savings per borrower
Based on funded loans Jan 2024 – Feb 2026. Individual results vary.
Guaranteed lower payment or you pay nothing.
No SSN · No hard pull · 60-second check