{
 "_site": "Student Loan Refinance Cost",
 "_url": "https://allthefees.com/student-loan-refinance-cost",
 "_updated": "2026-08-25",
 "_license": "CC BY 4.0 — https://creativecommons.org/licenses/by/4.0/",
 "_attribution": "Student Loan Refinance Cost (https://allthefees.com/student-loan-refinance-cost)",
 "_method": "https://allthefees.com/student-loan-refinance-cost/method",
 "_note": "Every figure comes from the provider's own published pricing page. Fields listed in `unconfirmed` are not stated publicly by the provider. price_visibility separates what a provider does not publish from what we could not read. No computed values are stored; see _method.",
 "rows": [
  {
   "key": "sofi",
   "brand": "SoFi",
   "vendor_url": "https://www.sofi.com/",
   "pricing_url": "https://www.sofi.com/refinance-student-loan/refinance-student-loan-rates/",
   "markets": [
    "US"
   ],
   "category": "lender",
   "parent_company": null,
   "parent_src": null,
   "price_published": true,
   "price_visibility": "published",
   "fees_disclosure": "amount",
   "fees_url": "https://www.sofi.com/refinance-student-loan/refinance-student-loan-rates/",
   "plans": [
    {
     "name": "Fixed",
     "currency": "USD",
     "rate_type": "fixed",
     "apr_low": 3.99,
     "apr_high": 10.99,
     "apr_with_autopay": true,
     "autopay_discount": 0.25,
     "price_is_from": false,
     "terms_years": [
      5,
      7,
      10,
      15,
      20
     ],
     "min_loan": null,
     "max_loan": null,
     "origination_fee_pct": 0,
     "variable_cap": null,
     "notes": "\"All student loan rates below are shown with the Autopay Discount (0.25%)\". \"There are no application or origination fees\". \"may not be available in all states, such as MS and MT\". Per-term fixed ranges run from \"3.99% – 9.80%\" (5yr) to \"6.33% – 10.99%\" (20yr)."
    },
    {
     "name": "Variable",
     "currency": "USD",
     "rate_type": "variable",
     "apr_low": 5.74,
     "apr_high": 10.99,
     "apr_with_autopay": true,
     "autopay_discount": 0.25,
     "price_is_from": false,
     "terms_years": [
      5,
      7,
      10,
      15,
      20
     ],
     "min_loan": null,
     "max_loan": null,
     "origination_fee_pct": 0,
     "variable_cap": 13.95,
     "notes": "\"5, 7, and 10 Year terms are capped at 13.95% APR, 15 and 20 Year terms are capped at 13.95% APR to the extent permitted under law.\" Per-term variable ranges run from \"5.74% – 9.99%\" (5yr) to \"6.99% – 10.99%\" (20yr)."
    }
   ],
   "affiliate_brand": null,
   "_checked": "2026-08-25",
   "unconfirmed": [
    "parent_company",
    "min_loan",
    "max_loan"
   ]
  },
  {
   "key": "earnest",
   "brand": "Earnest",
   "vendor_url": "https://www.earnest.com/",
   "pricing_url": "https://www.earnest.com/refinance-student-loans",
   "markets": [
    "US"
   ],
   "category": "lender",
   "parent_company": null,
   "parent_src": null,
   "price_published": false,
   "price_visibility": "published",
   "fees_disclosure": "none",
   "fees_url": null,
   "plans": [
    {
     "name": "Fixed",
     "currency": "USD",
     "rate_type": "fixed",
     "apr_low": 4.45,
     "apr_high": null,
     "apr_with_autopay": true,
     "autopay_discount": 0.25,
     "price_is_from": true,
     "terms_years": null,
     "min_loan": null,
     "max_loan": null,
     "origination_fee_pct": null,
     "variable_cap": null,
     "notes": "\"These are our lowest starting rates and contain our 0.25% Auto Pay discount.\" Floor only; no ceiling published. Read in a browser on 2026-08-25 (the page refuses our checker). "
    },
    {
     "name": "Variable",
     "currency": "USD",
     "rate_type": "variable",
     "apr_low": 5.88,
     "apr_high": null,
     "apr_with_autopay": true,
     "autopay_discount": 0.25,
     "price_is_from": true,
     "terms_years": null,
     "min_loan": null,
     "max_loan": null,
     "origination_fee_pct": null,
     "variable_cap": null,
     "notes": "\"These are our lowest starting rates and contain our 0.25% Auto Pay discount.\" Floor only; no ceiling published. Read in a browser on 2026-08-25 (the page refuses our checker). \"Variable rates not available in AK, IL, MN, MS, NH, OH, TN, and TX.\""
    }
   ],
   "affiliate_brand": null,
   "_checked": "2026-08-25",
   "unconfirmed": [
    "parent_company",
    "apr_high",
    "terms_years",
    "min_loan",
    "max_loan",
    "origination_fee_pct",
    "variable_cap"
   ]
  },
  {
   "key": "splash-financial",
   "brand": "Splash Financial",
   "vendor_url": "https://www.splashfinancial.com/",
   "pricing_url": "https://www.splashfinancial.com/student-loan-refinancing/",
   "markets": [
    "US"
   ],
   "category": "marketplace",
   "parent_company": null,
   "parent_src": null,
   "price_published": true,
   "price_visibility": "published",
   "fees_disclosure": "amount",
   "fees_url": "https://www.splashfinancial.com/student-loan-refinancing/",
   "plans": [
    {
     "name": "Fixed",
     "currency": "USD",
     "rate_type": "fixed",
     "apr_low": 3.99,
     "apr_high": 11.24,
     "apr_with_autopay": true,
     "autopay_discount": 0.25,
     "price_is_from": false,
     "terms_years": null,
     "min_loan": null,
     "max_loan": null,
     "origination_fee_pct": 0,
     "variable_cap": null,
     "notes": "\"Fixed Rate options range from 3.99% APR to 11.24% APR\" and may include \"a 0.25% autopay discount for the shortest loan term\". \"We work with our lending partners to deliver rates that fit your needs.\" \"No application fees, no origination fees and no pre-payment penalties.\""
    },
    {
     "name": "Variable",
     "currency": "USD",
     "rate_type": "variable",
     "apr_low": 4.74,
     "apr_high": 11.24,
     "apr_with_autopay": true,
     "autopay_discount": 0.25,
     "price_is_from": false,
     "terms_years": null,
     "min_loan": null,
     "max_loan": null,
     "origination_fee_pct": 0,
     "variable_cap": null,
     "notes": "\"Variable rate options range from 4.74% APR to 11.24% APR. Rate options may include a 0.25% autopay discount.\" Variable rates based on 30-day SOFR plus margin."
    }
   ],
   "affiliate_brand": null,
   "_checked": "2026-08-25",
   "unconfirmed": [
    "parent_company",
    "terms_years",
    "min_loan",
    "max_loan",
    "variable_cap"
   ]
  },
  {
   "key": "lendkey",
   "brand": "LendKey",
   "vendor_url": "https://www.lendkey.com/",
   "pricing_url": "https://www.lendkey.com/student-loan-refinancing/",
   "markets": [
    "US"
   ],
   "category": "marketplace",
   "parent_company": null,
   "parent_src": null,
   "price_published": true,
   "price_visibility": "published",
   "fees_disclosure": "amount",
   "fees_url": "https://www.lendkey.com/student-loan-refinancing/",
   "plans": [
    {
     "name": "Fixed",
     "currency": "USD",
     "rate_type": "fixed",
     "apr_low": 3.98,
     "apr_high": 9.24,
     "apr_with_autopay": true,
     "autopay_discount": 0.25,
     "price_is_from": false,
     "terms_years": null,
     "min_loan": 5000,
     "max_loan": null,
     "origination_fee_pct": 0,
     "variable_cap": null,
     "notes": "\"3.98% - 9.24% Fixed APR\". \"*Rates shown include 0.25% autopay discount.\" \"Choose from 5 to 20-year terms\" (specific terms not listed). Min $5,000; \"$10,001 in Arizona, $50,001 in Connecticut, $6,001 in Massachusetts\". Bachelor's degree required. \"No origination fees, no application fees, and no prepayment penalties\"."
    },
    {
     "name": "Variable",
     "currency": "USD",
     "rate_type": "variable",
     "apr_low": 4.19,
     "apr_high": 9.24,
     "apr_with_autopay": true,
     "autopay_discount": 0.25,
     "price_is_from": false,
     "terms_years": null,
     "min_loan": 5000,
     "max_loan": null,
     "origination_fee_pct": 0,
     "variable_cap": null,
     "notes": "\"4.19% - 9.24% Variable APR\". \"*Rates shown include 0.25% autopay discount.\""
    }
   ],
   "affiliate_brand": null,
   "_checked": "2026-08-25",
   "unconfirmed": [
    "parent_company",
    "terms_years",
    "max_loan",
    "variable_cap"
   ]
  },
  {
   "key": "elfi",
   "brand": "ELFI",
   "vendor_url": "https://www.elfi.com/",
   "pricing_url": "https://www.elfi.com/refinance-student-loans/",
   "markets": [
    "US"
   ],
   "category": "lender",
   "parent_company": "SouthEast Bank",
   "parent_src": "https://www.elfi.com/refinance-student-loans/",
   "price_published": false,
   "price_visibility": "published",
   "fees_disclosure": "amount",
   "fees_url": "https://www.elfi.com/refinance-student-loans/",
   "plans": [
    {
     "name": "Fixed",
     "currency": "USD",
     "rate_type": "fixed",
     "apr_low": 4.29,
     "apr_high": null,
     "apr_with_autopay": null,
     "autopay_discount": null,
     "price_is_from": true,
     "terms_years": null,
     "min_loan": 10000,
     "max_loan": null,
     "origination_fee_pct": 0,
     "variable_cap": null,
     "notes": "Fixed \"4.29% APR\" shown as a floor only. \"5-20 Years\" (specific terms not listed). \"$10,000\" minimum. \"ELFI does not charge any application fees, origination fees, or prepayment penalties\". \"Must have received a bachelor's degree from a Title IV u.s. domiciled non-profit college or university\". \"ELFI is a division of SouthEast Bank\". https://www.elfi.com/rates/ returned 404."
    },
    {
     "name": "Variable",
     "currency": "USD",
     "rate_type": "variable",
     "apr_low": 4.74,
     "apr_high": null,
     "apr_with_autopay": null,
     "autopay_discount": null,
     "price_is_from": true,
     "terms_years": null,
     "min_loan": 10000,
     "max_loan": null,
     "origination_fee_pct": 0,
     "variable_cap": null,
     "notes": "Variable \"4.74% APR\" shown as a floor only."
    }
   ],
   "affiliate_brand": null,
   "_checked": "2026-08-25",
   "unconfirmed": [
    "apr_high",
    "apr_with_autopay",
    "autopay_discount",
    "terms_years",
    "max_loan",
    "variable_cap"
   ]
  },
  {
   "key": "laurel-road",
   "brand": "Laurel Road",
   "vendor_url": "https://www.laurelroad.com/",
   "pricing_url": "https://www.key.com/personal/student-loans/student-loan-refinancing.html",
   "markets": [
    "US"
   ],
   "category": "lender",
   "parent_company": "KeyBank",
   "parent_src": "https://www.key.com/personal/student-loans/student-loan-refinancing.html",
   "price_published": true,
   "price_visibility": "published",
   "fees_disclosure": "amount",
   "fees_url": "https://www.key.com/personal/student-loans/student-loan-refinancing.html",
   "plans": [
    {
     "name": "Fixed",
     "currency": "USD",
     "rate_type": "fixed",
     "apr_low": 4.74,
     "apr_high": 9.75,
     "apr_with_autopay": true,
     "autopay_discount": 0.25,
     "price_is_from": false,
     "terms_years": [
      5,
      7,
      10,
      15,
      20
     ],
     "min_loan": 5000,
     "max_loan": null,
     "origination_fee_pct": 0,
     "variable_cap": null,
     "notes": "Per-term table read in a browser on 2026-08-25 (the page draws its figures with a script): Fixed 5yr 4.74%-9.35%, 7yr 4.95%-9.45%, 10yr 5.15%-9.55%, 15yr 5.30%-9.65%, 20yr 5.50%-9.75%. \"All rates shown reflect a $100,000 loan amount and include a 0.25% interest rate discount for enrolling in AutoPay.\" Rates \"current as of August 25, 2026\"."
    },
    {
     "name": "Variable",
     "currency": "USD",
     "rate_type": "variable",
     "apr_low": 5.04,
     "apr_high": 10.05,
     "apr_with_autopay": true,
     "autopay_discount": 0.25,
     "price_is_from": false,
     "terms_years": [
      5,
      7,
      10,
      15,
      20
     ],
     "min_loan": 5000,
     "max_loan": null,
     "origination_fee_pct": 0,
     "variable_cap": 15.0,
     "notes": "Per-term table read in a browser on 2026-08-25 (the page draws its figures with a script): Variable 5yr 5.04%-9.65%, 7yr 5.25%-9.75%, 10yr 5.45%-9.85%, 15yr 5.60%-9.95%, 20yr 5.80%-10.05%. \"Variable rates will never exceed 15.00%.\" \"All rates shown reflect a $100,000 loan amount and include a 0.25% interest rate discount for enrolling in AutoPay.\" Rates \"current as of August 25, 2026\"."
    }
   ],
   "affiliate_brand": null,
   "_checked": "2026-08-25",
   "unconfirmed": [
    "max_loan"
   ]
  },
  {
   "key": "citizens",
   "brand": "Citizens",
   "vendor_url": "https://www.citizensbank.com/",
   "pricing_url": "https://www.citizensbank.com/student-loans/student-loan-refinance.aspx",
   "markets": [
    "US"
   ],
   "category": "lender",
   "parent_company": null,
   "parent_src": null,
   "price_published": true,
   "price_visibility": "published",
   "fees_disclosure": "stated",
   "fees_url": "https://www.citizensbank.com/student-loans/student-loan-refinance.aspx",
   "plans": [
    {
     "name": "Fixed",
     "currency": "USD",
     "rate_type": "fixed",
     "apr_low": 5.9,
     "apr_high": 10.65,
     "apr_with_autopay": null,
     "autopay_discount": null,
     "price_is_from": false,
     "terms_years": [
      5,
      7,
      10,
      15,
      20
     ],
     "min_loan": 10000,
     "max_loan": 300000,
     "origination_fee_pct": null,
     "variable_cap": null,
     "notes": "\"5.90% - 10.65% APR\" fixed / \"5.91% - 10.92% APR\" variable, read in a browser on 2026-08-25 (the page draws its figures with a script). \"Reduce your interest rate up to 0.50 percentage points ... with a Loyalty Discount and Automatic Payment Discount.\" Whether the published range already includes those discounts is not stated. \"5, 7, 10, 15, & 20 year options.\" \"no application fee\"."
    },
    {
     "name": "Variable",
     "currency": "USD",
     "rate_type": "variable",
     "apr_low": 5.91,
     "apr_high": 10.92,
     "apr_with_autopay": null,
     "autopay_discount": null,
     "price_is_from": false,
     "terms_years": [
      5,
      7,
      10,
      15,
      20
     ],
     "min_loan": 10000,
     "max_loan": 300000,
     "origination_fee_pct": null,
     "variable_cap": null,
     "notes": "\"5.90% - 10.65% APR\" fixed / \"5.91% - 10.92% APR\" variable, read in a browser on 2026-08-25 (the page draws its figures with a script). \"Reduce your interest rate up to 0.50 percentage points ... with a Loyalty Discount and Automatic Payment Discount.\" Whether the published range already includes those discounts is not stated. \"5, 7, 10, 15, & 20 year options.\" \"no application fee\"."
    }
   ],
   "affiliate_brand": null,
   "_checked": "2026-08-25",
   "unconfirmed": [
    "parent_company",
    "apr_with_autopay",
    "autopay_discount",
    "origination_fee_pct",
    "variable_cap"
   ]
  },
  {
   "key": "college-ave",
   "brand": "College Ave",
   "vendor_url": "https://www.collegeave.com/",
   "pricing_url": "https://www.collegeave.com/refinance-student-loans/",
   "markets": [
    "US"
   ],
   "category": "lender",
   "parent_company": null,
   "parent_src": null,
   "price_published": true,
   "price_visibility": "published",
   "fees_disclosure": "none",
   "fees_url": null,
   "plans": [
    {
     "name": "Fixed",
     "currency": "USD",
     "rate_type": "fixed",
     "apr_low": 6.99,
     "apr_high": 13.99,
     "apr_with_autopay": true,
     "autopay_discount": 0.25,
     "price_is_from": false,
     "terms_years": null,
     "min_loan": null,
     "max_loan": null,
     "origination_fee_pct": null,
     "variable_cap": null,
     "notes": "\"Student Loan Refinance 6.99% - 13.99% APR\". \"All rates shown include the auto-pay discount. The 0.25% auto-pay interest rate reduction applies as long as a valid bank account is designated for required monthly payments.\" Page does not separate fixed vs variable for the refinance range; recorded under Fixed only."
    }
   ],
   "affiliate_brand": null,
   "_checked": "2026-08-25",
   "unconfirmed": [
    "parent_company",
    "terms_years",
    "min_loan",
    "max_loan",
    "origination_fee_pct",
    "variable_plan"
   ]
  },
  {
   "key": "brazos",
   "brand": "Brazos",
   "vendor_url": "https://studentloans.brazos.us/",
   "pricing_url": "https://studentloans.com/student-loan-refinance/",
   "markets": [
    "US"
   ],
   "category": "lender",
   "parent_company": null,
   "parent_src": null,
   "price_published": true,
   "price_visibility": "published",
   "fees_disclosure": "amount",
   "fees_url": "https://studentloans.com/student-loan-refinance/",
   "plans": [
    {
     "name": "Fixed",
     "currency": "USD",
     "rate_type": "fixed",
     "apr_low": 3.99,
     "apr_high": 5.99,
     "apr_with_autopay": true,
     "autopay_discount": 0.25,
     "price_is_from": false,
     "terms_years": null,
     "min_loan": null,
     "max_loan": null,
     "origination_fee_pct": 0,
     "variable_cap": null,
     "notes": "Fixed \"Starting at 3.99% APR, Including 0.25% Auto-Pay Discount\"; the page's rate chart shows Brazos fixed APRs of 3.99%, 4.99% and 5.99% against competitors. Read in a browser on 2026-08-25 (the chart is drawn by a script). Texas-focused nonprofit (\"Not a Texas Resident? We Can Still Help!\"). \"we don't charge application fees, origination fees or prepayment penalties ever.\""
    },
    {
     "name": "Variable",
     "currency": "USD",
     "rate_type": "variable",
     "apr_low": 3.62,
     "apr_high": null,
     "apr_with_autopay": true,
     "autopay_discount": 0.25,
     "price_is_from": true,
     "terms_years": null,
     "min_loan": null,
     "max_loan": null,
     "origination_fee_pct": 0,
     "variable_cap": 9.9,
     "notes": "Variable \"Starting at 3.62% APR, Including 0.25% Auto-Pay Discount\". Floor only. Read in a browser on 2026-08-25."
    }
   ],
   "affiliate_brand": null,
   "_checked": "2026-08-25",
   "unconfirmed": [
    "parent_company",
    "terms_years",
    "min_loan",
    "max_loan"
   ]
  },
  {
   "key": "risla",
   "brand": "RISLA",
   "vendor_url": "https://www.risla.com/",
   "pricing_url": "https://www.risla.com/refinance",
   "markets": [
    "US"
   ],
   "category": "lender",
   "parent_company": null,
   "parent_src": null,
   "price_published": true,
   "price_visibility": "published",
   "fees_disclosure": "amount",
   "fees_url": "https://www.risla.com/refinance",
   "plans": [
    {
     "name": "Fixed",
     "currency": "USD",
     "rate_type": "fixed",
     "apr_low": 3.49,
     "apr_high": 7.64,
     "apr_with_autopay": true,
     "autopay_discount": 0.25,
     "price_is_from": false,
     "terms_years": [
      5,
      10,
      15
     ],
     "min_loan": 7500,
     "max_loan": 250000,
     "origination_fee_pct": 0,
     "variable_cap": null,
     "notes": "\"Fixed rate loans with autopay 3.49% - 7.64% APR\"; \"includes 0.25% discount for paying via automatic monthly payments (ACH)\". \"Refinance between $7,500 and $250,000 (max amount depends on highest degree earned by student)\". \"Pay zero upfront fees\". \"Borrower may reside in any state\". No variable rate offered."
    }
   ],
   "affiliate_brand": null,
   "_checked": "2026-08-25",
   "unconfirmed": [
    "parent_company"
   ]
  },
  {
   "key": "mefa",
   "brand": "MEFA",
   "vendor_url": "https://www.mefa.org/",
   "pricing_url": "https://www.mefa.org/education-refinancing-loan/",
   "markets": [
    "US"
   ],
   "category": "lender",
   "parent_company": null,
   "parent_src": null,
   "price_published": true,
   "price_visibility": "published",
   "fees_disclosure": "stated",
   "fees_url": "https://www.mefa.org/education-refinancing-loan/",
   "plans": [
    {
     "name": "Fixed",
     "currency": "USD",
     "rate_type": "fixed",
     "apr_low": 6.2,
     "apr_high": 8.99,
     "apr_with_autopay": null,
     "autopay_discount": null,
     "price_is_from": false,
     "terms_years": [
      7,
      10,
      15
     ],
     "min_loan": 10000,
     "max_loan": null,
     "origination_fee_pct": null,
     "variable_cap": null,
     "notes": "\"6.20% – 8.99% APR\". No autopay wording on page. Minimum $10,000. \"In most cases, there are no fees associated with refinancing your student loans.\" Loans must have been used at \"an eligible, not-for-profit, degree-granting college or university (as defined by MEFA)\". https://www.mefa.org/refinance returned 404; no variable option shown."
    }
   ],
   "affiliate_brand": null,
   "_checked": "2026-08-25",
   "unconfirmed": [
    "parent_company",
    "apr_with_autopay",
    "autopay_discount",
    "max_loan",
    "origination_fee_pct"
   ]
  },
  {
   "key": "navy-federal",
   "brand": "Navy Federal Credit Union",
   "vendor_url": "https://www.navyfederal.org/",
   "pricing_url": "https://www.navyfederal.org/loans-cards/student-loans/resources/refinance-rates-and-terms.html",
   "markets": [
    "US"
   ],
   "category": "lender",
   "parent_company": null,
   "parent_src": null,
   "price_published": true,
   "price_visibility": "published",
   "fees_disclosure": "amount",
   "fees_url": "https://www.navyfederal.org/loans-cards/student-loans/resources/refinance-rates-and-terms.html",
   "plans": [
    {
     "name": "Fixed",
     "currency": "USD",
     "rate_type": "fixed",
     "apr_low": 4.2,
     "apr_high": 11.8,
     "apr_with_autopay": true,
     "autopay_discount": 0.25,
     "price_is_from": false,
     "terms_years": [
      5,
      10,
      15
     ],
     "min_loan": null,
     "max_loan": null,
     "origination_fee_pct": 0,
     "variable_cap": null,
     "notes": "Published per-term table: 5yr \"4.20% to 10.50%\", 10yr \"5.55% to 11.00%\", 15yr \"5.85% to 11.80%\"; rates \"assumes a 0.25% reduction (subject to the floor rate) upon borrower enrolling in automatic payments\". \"There are no application or origination fees, and no prepayment penalties\". Start URL https://www.navyfederal.org/loans-cards/student-loans/refinance.html returned 404."
    },
    {
     "name": "Variable",
     "currency": "USD",
     "rate_type": "variable",
     "apr_low": 4.52,
     "apr_high": 11.32,
     "apr_with_autopay": true,
     "autopay_discount": 0.25,
     "price_is_from": false,
     "terms_years": [
      5,
      10,
      15
     ],
     "min_loan": null,
     "max_loan": null,
     "origination_fee_pct": 0,
     "variable_cap": 18.0,
     "notes": "Per-term table: 5yr \"4.52% to 10.87%\", 10yr \"5.07% to 11.22%\", 15yr \"5.57% to 11.32%\". \"will not exceed the maximum permissible by law, currently 18.00%\"."
    }
   ],
   "affiliate_brand": null,
   "_checked": "2026-08-25",
   "unconfirmed": [
    "parent_company",
    "min_loan",
    "max_loan"
   ]
  },
  {
   "key": "isl",
   "brand": "ISL Education Lending",
   "vendor_url": "https://www.iowastudentloan.org/",
   "pricing_url": "https://www.iowastudentloan.org/refinance-loan/student-loan.aspx",
   "markets": [
    "US"
   ],
   "category": "lender",
   "parent_company": null,
   "parent_src": null,
   "price_published": true,
   "price_visibility": "published",
   "fees_disclosure": "amount",
   "fees_url": "https://www.iowastudentloan.org/refinance-loan/student-loan.aspx",
   "plans": [
    {
     "name": "Fixed",
     "currency": "USD",
     "rate_type": "fixed",
     "apr_low": 5.15,
     "apr_high": 9.4,
     "apr_with_autopay": true,
     "autopay_discount": 0.25,
     "price_is_from": false,
     "terms_years": null,
     "min_loan": 5000,
     "max_loan": 300000,
     "origination_fee_pct": 0,
     "variable_cap": null,
     "notes": "\"5.15% to 9.40% APR\". \"All rates include an auto-debit discount\" (0.25%). Min $5,000; \"$6,001 for Massachusetts residents; $10,000 for California residents\". Max $300,000. \"There are no origination, prepayment, late or other fees\". Connecticut, Maine and Puerto Rico applicants currently ineligible. Fixed only; term years not explicitly listed in delivered text."
    }
   ],
   "affiliate_brand": null,
   "_checked": "2026-08-25",
   "unconfirmed": [
    "parent_company",
    "terms_years"
   ]
  },
  {
   "key": "advantage",
   "brand": "Advantage Education Loan",
   "vendor_url": "https://www.advantageeducationloan.com/",
   "pricing_url": "https://www.advantageeducationloan.com/ael/ael/refi/home.faces",
   "markets": [
    "US"
   ],
   "category": "lender",
   "parent_company": "Kentucky Higher Education Student Loan Corporation",
   "parent_src": "https://www.advantageeducationloan.com/ael/kael/homepage.faces",
   "price_published": false,
   "price_visibility": "published",
   "fees_disclosure": "amount",
   "fees_url": "https://www.advantageeducationloan.com/ael/ael/refi/home.faces",
   "plans": [
    {
     "name": "Fixed",
     "currency": "USD",
     "rate_type": "fixed",
     "apr_low": 4.99,
     "apr_high": null,
     "apr_with_autopay": null,
     "autopay_discount": null,
     "price_is_from": true,
     "terms_years": [
      10,
      15,
      20
     ],
     "min_loan": null,
     "max_loan": null,
     "origination_fee_pct": 0,
     "variable_cap": null,
     "notes": "\"4.99% APR*\" floor only. \"Even lower rates with our autopay discount!\" (amount not stated). \"Flexible terms of 10, 15, or 20 years\". \"Advantage Refinance Loans have no application, origination, default, late or NSF fees.\" \"operated by the Kentucky Higher Education Student Loan Corporation, is a proud partner supporting KHEAA\". Start URL /refinance returned 403. Fixed only."
    }
   ],
   "affiliate_brand": null,
   "_checked": "2026-08-25",
   "unconfirmed": [
    "apr_high",
    "apr_with_autopay",
    "autopay_discount",
    "min_loan",
    "max_loan"
   ]
  },
  {
   "key": "invested",
   "brand": "INvestEd",
   "vendor_url": "https://www.investedindiana.org/",
   "pricing_url": "https://www.investedindiana.org/loans/refinance-loan/",
   "markets": [
    "US"
   ],
   "category": "lender",
   "parent_company": null,
   "parent_src": null,
   "price_published": true,
   "price_visibility": "published",
   "fees_disclosure": "none",
   "fees_url": null,
   "plans": [
    {
     "name": "Fixed",
     "currency": "USD",
     "rate_type": "fixed",
     "apr_low": 5.41,
     "apr_high": 9.88,
     "apr_with_autopay": true,
     "autopay_discount": 0.5,
     "price_is_from": false,
     "terms_years": [
      5,
      10,
      15,
      20
     ],
     "min_loan": 5000,
     "max_loan": 250000,
     "origination_fee_pct": null,
     "variable_cap": null,
     "notes": "\"5.41% to 9.88%\" (July 1 – September 30, 2026). Lowest rates \"require shortest length of repayment and our automatic payment (ACH) discount\" of \"0.50 percentage points\". Min $5,000, max $250,000. /refi page requires Indiana residency or school attendance."
    },
    {
     "name": "Variable",
     "currency": "USD",
     "rate_type": "variable",
     "apr_low": 6.53,
     "apr_high": 10.67,
     "apr_with_autopay": true,
     "autopay_discount": 0.5,
     "price_is_from": false,
     "terms_years": [
      5,
      10,
      15,
      20
     ],
     "min_loan": 5000,
     "max_loan": 250000,
     "origination_fee_pct": null,
     "variable_cap": 18.0,
     "notes": "\"6.53% to 10.67%\" (August 1 – October 31, 2026). \"The maximum variable interest rate is 18.00%\"."
    }
   ],
   "affiliate_brand": null,
   "_checked": "2026-08-25",
   "unconfirmed": [
    "parent_company",
    "origination_fee_pct"
   ]
  },
  {
   "key": "nelnet-bank",
   "brand": "Nelnet Bank",
   "vendor_url": "https://www.nelnetbank.com/",
   "pricing_url": "https://www.nelnetbank.com/student-loan-refinance",
   "markets": [
    "US"
   ],
   "category": "lender",
   "parent_company": null,
   "parent_src": null,
   "price_published": false,
   "price_visibility": "quote_only",
   "fees_disclosure": "none",
   "fees_url": null,
   "plans": [
    {
     "name": "Fixed",
     "currency": "USD",
     "rate_type": "fixed",
     "apr_low": null,
     "apr_high": null,
     "apr_with_autopay": null,
     "autopay_discount": null,
     "price_is_from": false,
     "terms_years": null,
     "min_loan": null,
     "max_loan": null,
     "origination_fee_pct": null,
     "variable_cap": null,
     "notes": "Page fetched 2026-08-25: \"This product is temporarily paused\". No rates, terms or fees published. U-fi From Nelnet routes its Education Refinance loans to Nelnet Bank (\"Education Refinance loans are made and funded through Nelnet Bank\"), so U-fi is not a separate row."
    }
   ],
   "affiliate_brand": null,
   "_checked": "2026-08-25",
   "unconfirmed": [
    "parent_company",
    "apr_low",
    "apr_high",
    "apr_with_autopay",
    "autopay_discount",
    "terms_years",
    "min_loan",
    "max_loan",
    "origination_fee_pct",
    "variable_plan"
   ]
  },
  {
   "key": "yrefy",
   "brand": "Yrefy",
   "vendor_url": "https://yrefy.com/",
   "pricing_url": "https://yrefy.com/student-loan-refinance",
   "markets": [
    "US"
   ],
   "category": "lender",
   "parent_company": null,
   "parent_src": null,
   "price_published": true,
   "price_visibility": "published",
   "fees_disclosure": "none",
   "fees_url": null,
   "plans": [
    {
     "name": "Fixed",
     "currency": "USD",
     "rate_type": "fixed",
     "apr_low": 0.1,
     "apr_high": 5.99,
     "apr_with_autopay": null,
     "autopay_discount": null,
     "price_is_from": false,
     "terms_years": null,
     "min_loan": null,
     "max_loan": null,
     "origination_fee_pct": null,
     "variable_cap": null,
     "notes": "\"Fixed Interest Rates Between 0.1% - 5.99% APR\". \"aren't determined by your credit score\". Product is a refinance of private student loans, including distressed or defaulted ones. Read in a browser on 2026-08-25 (the page is drawn by a script)."
    }
   ],
   "affiliate_brand": null,
   "_checked": "2026-08-25",
   "unconfirmed": [
    "parent_company",
    "apr_with_autopay",
    "autopay_discount",
    "terms_years",
    "min_loan",
    "max_loan",
    "origination_fee_pct"
   ]
  },
  {
   "key": "penfed",
   "brand": "PenFed",
   "vendor_url": "https://www.penfed.org/",
   "pricing_url": "https://www.penfed.org/student-loans",
   "markets": [
    "US"
   ],
   "category": "marketplace",
   "parent_company": null,
   "parent_src": null,
   "price_published": false,
   "price_visibility": "quote_only",
   "fees_disclosure": "none",
   "fees_url": null,
   "plans": [
    {
     "name": "Fixed",
     "currency": "USD",
     "rate_type": "fixed",
     "apr_low": null,
     "apr_high": null,
     "apr_with_autopay": null,
     "autopay_discount": null,
     "price_is_from": false,
     "terms_years": null,
     "min_loan": 1000,
     "max_loan": null,
     "origination_fee_pct": null,
     "variable_cap": null,
     "notes": "\"This student loan marketplace is powered by Sparrow. These loans are made by Sparrow's lending partners. PenFed is not the creditor for these loans and is compensated by Sparrow for the referral of loan customers.\" \"Submit one request to explore your pre-qualified rates with 15+ lenders.\" \"requested minimum loan amount of $1,000\". No APR range published."
    }
   ],
   "affiliate_brand": null,
   "_checked": "2026-08-25",
   "unconfirmed": [
    "parent_company",
    "apr_low",
    "apr_high",
    "apr_with_autopay",
    "autopay_discount",
    "terms_years",
    "max_loan",
    "origination_fee_pct",
    "variable_plan"
   ]
  },
  {
   "key": "credible",
   "brand": "Credible",
   "vendor_url": "https://www.credible.com/",
   "pricing_url": "https://www.credible.com/refinance-student-loans",
   "markets": [
    "US"
   ],
   "category": "marketplace",
   "parent_company": null,
   "parent_src": null,
   "price_published": true,
   "price_visibility": "published",
   "fees_disclosure": "amount",
   "fees_url": "https://www.credible.com/refinance-student-loans",
   "plans": [
    {
     "name": "Fixed",
     "currency": "USD",
     "rate_type": "fixed",
     "apr_low": 3.98,
     "apr_high": 10.99,
     "apr_with_autopay": null,
     "autopay_discount": null,
     "price_is_from": false,
     "terms_years": [
      5,
      7,
      10,
      15,
      20
     ],
     "min_loan": 5000,
     "max_loan": null,
     "origination_fee_pct": 0,
     "variable_cap": null,
     "notes": "\"Fixed-rate APRs range from 3.98% to 10.99%\" across partner lenders (LendKey, Brazos, SoFi, RISLA, EdvestinU, ELFI, Earnest, INvestEd, Citizens, MEFA). Autopay inclusion not stated. Terms \"5, 7, 10, 15, and 20 years (varies by lender)\"; minimum \"$5,000 to $10,000 depending on the lender\". \"None of Credible's partner lenders charge origination fees or prepayment penalties.\" \"The rates that appear are from companies which Credible receives compensation.\""
    },
    {
     "name": "Variable",
     "currency": "USD",
     "rate_type": "variable",
     "apr_low": 3.62,
     "apr_high": 10.99,
     "apr_with_autopay": null,
     "autopay_discount": null,
     "price_is_from": false,
     "terms_years": [
      5,
      7,
      10,
      15,
      20
     ],
     "min_loan": 5000,
     "max_loan": null,
     "origination_fee_pct": 0,
     "variable_cap": null,
     "notes": "\"variable APRs from 3.62% to 10.99%\" across partner lenders."
    }
   ],
   "affiliate_brand": null,
   "_checked": "2026-08-25",
   "unconfirmed": [
    "parent_company",
    "apr_with_autopay",
    "autopay_discount",
    "max_loan",
    "variable_cap"
   ]
  },
  {
   "key": "juno",
   "brand": "Juno",
   "vendor_url": "https://joinjuno.com/",
   "pricing_url": "https://joinjuno.com/loans/refinance",
   "markets": [
    "US"
   ],
   "category": "marketplace",
   "parent_company": null,
   "parent_src": null,
   "price_published": false,
   "price_visibility": "published",
   "fees_disclosure": "none",
   "fees_url": null,
   "plans": [
    {
     "name": "Fixed",
     "currency": "USD",
     "rate_type": "fixed",
     "apr_low": null,
     "apr_high": null,
     "apr_with_autopay": null,
     "autopay_discount": null,
     "price_is_from": false,
     "terms_years": null,
     "min_loan": null,
     "max_loan": null,
     "origination_fee_pct": null,
     "variable_cap": null,
     "notes": "Page publishes per-partner ranges only, no combined marketplace range: Earnest \"Fixed starting at 4.10% APR\" to 10.24% \"including the .25% autopay discount and the .25% Juno discount\"; SoFi \"3.99% APR to 10.99% APR with 0.25% autopay discount\"; LendKey 4.89%–9.04%; Brazos \"Fixed starting at 3.99% APR\". Not combined into one band to avoid computing a value."
    },
    {
     "name": "Variable",
     "currency": "USD",
     "rate_type": "variable",
     "apr_low": null,
     "apr_high": null,
     "apr_with_autopay": null,
     "autopay_discount": null,
     "price_is_from": false,
     "terms_years": null,
     "min_loan": null,
     "max_loan": null,
     "origination_fee_pct": null,
     "variable_cap": null,
     "notes": "Per-partner only: Earnest \"Variable starting at 5.48% APR\" to 10.24%; SoFi variable to 10.99%; LendKey 4.68%–9.04%; Brazos \"Variable starting at 3.59% APR\" cap 9.90%."
    }
   ],
   "affiliate_brand": null,
   "_checked": "2026-08-25",
   "unconfirmed": [
    "parent_company",
    "apr_low",
    "apr_high",
    "apr_with_autopay",
    "autopay_discount",
    "terms_years",
    "min_loan",
    "max_loan",
    "origination_fee_pct",
    "variable_cap"
   ]
  },
  {
   "key": "sparrow",
   "brand": "Sparrow",
   "vendor_url": "https://www.sparrowfi.com/",
   "pricing_url": "https://www.sparrowfi.com/student-loan-refi",
   "markets": [
    "US"
   ],
   "category": "marketplace",
   "parent_company": null,
   "parent_src": null,
   "price_published": false,
   "price_visibility": "quote_only",
   "fees_disclosure": "stated",
   "fees_url": "https://www.sparrowfi.com/student-loan-refi",
   "plans": [
    {
     "name": "Fixed",
     "currency": "USD",
     "rate_type": "fixed",
     "apr_low": null,
     "apr_high": null,
     "apr_with_autopay": null,
     "autopay_discount": null,
     "price_is_from": false,
     "terms_years": null,
     "min_loan": null,
     "max_loan": null,
     "origination_fee_pct": null,
     "variable_cap": null,
     "notes": "No published APR range; example figures marked \"Illustrative purposes, actual results may vary\" and \"Personalized rates are not a firm offer of credit.\" \"repayment terms from 5 to 20 years\"; \"most lenders require a minimum loan size of $5,000\". \"there are zero fees to use Sparrow\" (lender origination fees not addressed). \"We partner with four types of student loan refinancers: (i) banks (ii) financial technology companies (iii) credit unions and (iv) state agencies.\""
    },
    {
     "name": "Variable",
     "currency": "USD",
     "rate_type": "variable",
     "apr_low": null,
     "apr_high": null,
     "apr_with_autopay": null,
     "autopay_discount": null,
     "price_is_from": false,
     "terms_years": null,
     "min_loan": null,
     "max_loan": null,
     "origination_fee_pct": null,
     "variable_cap": null,
     "notes": "\"Choosing a variable rate may get you a lower introductory APR\". No range published."
    }
   ],
   "affiliate_brand": null,
   "_checked": "2026-08-25",
   "unconfirmed": [
    "parent_company",
    "apr_low",
    "apr_high",
    "apr_with_autopay",
    "autopay_discount",
    "terms_years",
    "min_loan",
    "max_loan",
    "origination_fee_pct",
    "variable_cap"
   ]
  },
  {
   "key": "purefy",
   "brand": "Purefy",
   "vendor_url": "https://www.purefy.com/",
   "pricing_url": "https://www.purefy.com/student-loan-rate",
   "markets": [
    "US"
   ],
   "category": "marketplace",
   "parent_company": null,
   "parent_src": null,
   "price_published": true,
   "price_visibility": "published",
   "fees_disclosure": "amount",
   "fees_url": "https://www.purefy.com/student-loan-rate",
   "plans": [
    {
     "name": "Fixed",
     "currency": "USD",
     "rate_type": "fixed",
     "apr_low": 4.49,
     "apr_high": 9.74,
     "apr_with_autopay": null,
     "autopay_discount": null,
     "price_is_from": false,
     "terms_years": null,
     "min_loan": null,
     "max_loan": null,
     "origination_fee_pct": 0,
     "variable_cap": null,
     "notes": "\"4.49% – 9.74% APR\". Rates \"based on information provided to Purefy by lenders\"; \"Purefy is compensated by lenders if you complete the loan process\". \"no participating lender charges origination fees or prepayment penalties\". \"Only borrowers with excellent credit and meeting other lender criteria will qualify for the lowest rate available.\""
    },
    {
     "name": "Variable",
     "currency": "USD",
     "rate_type": "variable",
     "apr_low": 5.09,
     "apr_high": 9.74,
     "apr_with_autopay": null,
     "autopay_discount": null,
     "price_is_from": false,
     "terms_years": null,
     "min_loan": null,
     "max_loan": null,
     "origination_fee_pct": 0,
     "variable_cap": null,
     "notes": "\"5.09% – 9.74% APR\"."
    }
   ],
   "affiliate_brand": null,
   "_checked": "2026-08-25",
   "unconfirmed": [
    "parent_company",
    "apr_with_autopay",
    "autopay_discount",
    "terms_years",
    "min_loan",
    "max_loan",
    "variable_cap"
   ]
  }
 ]
}