Student Loan Refinance: Subject to credit approval. See Terms & Conditions. Interest rates are current as of 1/1/25. Variable interest rates may increase after closing. Interest rates may be different from the rates shown above and will be based on the term of your loan, your financial history, and other factors, including your cosigner’s (if any) financial history. For example, a 10-year loan with a fixed rate of 9.00% APR would have 120 monthly payments of $12.66 per $1,000 borrowed. Rates are subject to change.