National Student Loan Lawyers

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Affordable student loan options for Texas residents. Transparent pricing. Great low rates. Zero fees. Brazos Refinance Loans. For Texans with existing student loans looking to refinance and save money. Student Loan Refinancing and Debt Consolidation Loans Starting at $15, Fixed Rates Start at % and Variable Rates Start as Low as %. Apply for a personal loan and get approved in as fast as 24 hours. Borrow up to P3 million with low interest starting at %. For business, travel, and other cash needs.

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How to Decide If You Should Refinance Student Loans

Initially, CommonBond very particular about who was eligible. At first, CommonBond only accepted students from select top schools and degree programs. But over the last year, CommonBond has dramatically expanded its eligible school and degree list.

Today, most applicants will be eligible to apply to CommonBond. To read our full review of CommonBond click here. As of this writing, SoFi currently offers refinancing rates as low as 2. The rates cap out at 7. These are some of the lowest student loan refinance rates in the industry.

Members can choose from variable and fixed rates with term lengths of 5, 10, 15, and 20 years. The above rates are all assuming you sign up for auto-pay. Without auto-pay, the rates would be 0. By becoming a SoFi member, which is completely free, you will get access to extra benefits including unemployment protection, career support, interview coaching, and resume review.

If you are interested in becoming an entrepreneur, SoFi will support you through its entrepreneurial program. Entrepreneurial program benefits include delayed payments and mentorship from successful entrepreneurs.

In addition, SoFi charges no application, origination, or prepayment fees. Finally, SoFi has a great customer support team ready to help you with any problems that may arise! SoFi is relatively strict in its requirements.

Typically, SoFi borrowers also have a great credit history and enough income to cover monthly expenses as well as student loan payments. Students in Nevada are not eligible for refinancing. If you are planning to submit an application, block off at least 20 minutes of time to complete it. Then, you will be required to upload supporting documents so that SoFi can verify your income and education.

To read our full review of SoFi click here. SouthEast Bank has a long history in the student loan industry. Going back to its roots, SouthEast Bank decided that a refinancing and consolidation product that was available to a broader market could help many of its student loan borrowers payoff their debt. The company offers variable rates as low as 2. At this time, ELFI offers 5, 7, 10, 15, and year term length options. So, if you are looking for a year term length you will need to look elsewhere.

The first benefit is that the company's loans are accessible to more borrowers since the minimum qualifications for applicants are quite reasonable. That income requirement is lower than a lot of other student loan refinance companies who tend to focus on refinancing the loans of high income professionals. Another way ELFI is different is that it refinances student loans that parents took out for their children.

That's rare to find since most online refinance companies focus on student loans a borrower took out for their own education. Another benefit of ELFI is that it provides loans in all 50 states. Since many online student loan refinance companies only offer refinancing in a limited number of states, this also expands the pool of potential borrowers who could benefit from ELFI loans.

On top of all these great benefits, ELFI does not charge application, origination, or pre-payment fees. If you took out student loans but didn't graduate, then you won't be able to use ELFI as a student loan refinance provider.

Applying to refinance your student loan with ELFI is a relatively simple process. You start by creating a simple profile online where you tell ELFI some information about yourself. Once all your documents have been verified, ELFI will do a hard credit pull and send you a firm loan offer with an interest rate and term offer.

You can then choose between fixed or variable interest rates, sign the loan agreement electronically, and set up auto-payments in order to begin repaying the loan. Repayments start 30 to 45 days after disbursement.

To read our full ELFI review, click here. Earnest is one of the best student loan consolidation companies available today. Earnest has competitive product offerings, unique benefits, and a proprietary pricing model. The end result is that more people are getting approved for refinancing and creditworthy individuals are saving tons of money. These are very competitive rates and are very close to being the lowest student loan refinance rates offered today.

Earnest has a very quick and efficient application process. In just about 2 minutes, you can get an estimated rate and a calculation of your total potential savings. Both federal and private loans are eligible for refinancing through the company.

Earnest allows you to set your exact monthly payment and even change your payment amount at anytime. Earnest is the only lender who allows customers to elect bi-weekly payments and even skip a payment! And as crazy as this sounds, Earnest gives its customers the ability to switch between fixed and variable rates at anytime for no charge. Earnest offers these benefits to promote repayment efficiency which leads to savings.

It is no wonder why Earnest has gained so much traction over the last couple years. Earnest also, like most student loan consolidation companies, charges no application, origination, or prepayment fees. On the other hand, Earnest does not ship its customers off to a new servicer like most companies.

Earnest has a unique underwriting model that accounts for more than just credit score. Earnest uses a proprietary model based in data science. Earnest uses hundreds of different data points from your financial history to underwrite your loan. Just because you have a low credit score, you may still be able to qualify at Earnest. To qualify for Earnest, the company suggest that you should be:.

Based off customer feedback, we believe that Earnest has one of the fastest turnaround times in the industry. You can expect the entire consolidation process to be completed in about 4 to 6 weeks. You can apply for refinancing with Earnest all on the company's website. To apply, you will need information about your current loans, your educational and employment history, information to access financial accounts, and some basic personal information. Though the application process is fairly more extensive than other companies, Earnest claims that is able to better analyze their customer's chance of repayment, leading to a better situation for both the borrower and lender.

To read our full review of Earnest click here. Darien Rowayton Bank, or DRB, is one of the oldest and most experienced student loan refinancing companies in the industry. Recently, in , the company renamed its online lending division to Laurel Road. The company as a whole has long been praised for offering the lowest rates on approved application. Laurel Road offers refinancing rates as low as 2. Laurel Road allows borrowers to refinance both federal and private debt. Laurel Road offers term lengths of 5, 7, 10, 15, and 20 years in both fixed and variable rates.

Getting approved at Laurel Road is difficult. To qualify, you must have excellent income and credit. If you do qualify, expect the refinancing process to take a little bit longer. To read our full review of Laurel Road click here. CordiaGrad is one of the newest companies to enter the student loan refinancing market.

CordiaGrad was launched in by the Bank of Virginia. Variable rates start at 3. These rates include a 0. CordiaGrad is unique by the fact that it only offers 5 year, 8 year, and 12 year term lengths. Parents are eligible for refinancing too. To be eligible for CordiaGrad, you must:. The application is pretty easy to use.

Can you refinance student loans? Can you consolidate student loans? How does consolidation and refinancing work? How can you consolidate student loans? How can you refinance student loans? This section will be dedicated to educating you about everything you need to know about refinancing your student loans.

First off, both federal and private student loans can be refinanced and consolidated together with all of the best refinancing lenders. When you refinance and consolidate, you are effectively paying off your old debt, and creating one new loan.

During the consolidation process, your new lender will pay off your old debt and issue you one new loan. For example, you may choose to consolidate only your private loans but not your federal.

Alternatively, you may choose to refinance only your high-interest debt. If a borrower decides to refinance in hopes of a lower rate, but has not been out of school for very long, they will may still require a cosigner for approval if they do not have a solid credit history yet.

Borrowers can qualify for refinancing on their own, but may choose to have cosigners in order to get more favorable interest rates. A cosigner is obligated on the loan until released or until the borrower pays off the loan completely. Being a cosigner is a long-term commitment that should be fully understood before signing on the loan.

You should look for the following in a cosigner:. Unlike the typical private loan, federal loans come with guaranteed benefits such as deferment while the borrower is in school, forbearance during times of economic hardship, and in some cases a right to put the loan on an income-driven repayment plan with a capped monthly payment. If a borrower chooses to refinance federal loans with a private lender, they will lose all federal benefits and gain only those offered by their lender on that particular loan.

Refinancing these loans privately, though, can often save borrowers thousands of dollars a year, and many borrowers are willing to give up the federal benefits that they may have never utilized anyway. After balancing the loss of federal benefits against the savings of refinancing, many borrowers still choose to refinance their federal loans. Each borrower is in a unique situation.

This helps you find the lowest student loan refinance and consolidation interest rates, too. Rates in general will tend to rise and fall in response to financial market conditions. Many private student loan companies have their variable interest rates tied to the prime rate of a financial index, such as the LIBOR, which is a measure of market conditions.

Even their fixed rate offerings will change according to that prime rate, although then the rate is locked for the life of the loan. And of course, the rate offered to individual borrowers will depend upon additional factors specific to them and the loan products they select. Refinances come in two general types, fixed rate and variable rate. Wish you were a little closer so we could work together more […].

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The debt settlement process was much easier than I ever imagined […]. Being very limited in my knowledge of the financial sector — let alone finance law — I delayed addressing my problem for some time. Nervous, overwhelmed and certainly a little ashamed, I was fortunate enough to be referred to Ashley Tuchman and McCarthy Law by a bankruptcy lawyer who thought my situation was best approached without filing for bankruptcy.

Ashley resolved my matters quickly and kept me informed of the progress. When changes occurred, she adjusted in an honest way […]. I am a single mom and was in over my head, following a messy divorce and two necessary short sales. Ashley negotiated my credit card debt down to less than half of what I owed and did so much sooner than promised. As a result, I was able to pay it off two years sooner than expected, my […].

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Joan is the best! I am happy it is settled even though I felt they already had received more than the original loan balance and had taken me for the debt, like they do all students, at a time when we are unwise to the effect it will have on us.

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