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Lowest interest rate for consolidating college loans

To provide more complete comparisons, the site features products from our partners as well as institutions which are not advertising partners.

Below is what we believe is the most comprehensive list of current student loan refinancing lenders. FICO says there is little to no impact on your credit score for rate shopping as many providers as you’d like in a single shopping period (which can be between 14-30 days, depending upon the version of FICO).

So set aside a day and apply to as many as you feel comfortable with to get a sense of who is ready to give you the best terms.

Like any form of debt, your goal with a student loan should be to pay as low an interest rate as possible.

Other than a mortgage, you will likely never have a debt as large as your student loan.

Don’t refinance Federal loans unless you are very comfortable with your ability to repay.

Think hard about the chances you won’t be able to make payments for a few months.

If you go to other sites they may claim to compare several student loan offers in one step.

Just beware that they might only show you deals that pay them a referral fee, so you could miss out on lenders ready to give you better terms.

If there is an origination fee, you need to make sure that it is worth paying.

If you plan on paying off your loan very quickly, then you may not want to pay a fee.

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