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Student Loan Refi


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  • 4 months later...

I looked into it just last week but my rate is favorable above what I was seeing.  I just did the generic rate/offer solicitation from Credible, which I saw referenced in a publication as a reliable referral, with minimal information from me (no credit was pulled) and the lowest fixed rate I was getting back was around 3.2 - 3.5%.  I think this was the day Treasury lowered rates so they might be lower now.  I was hoping for something a little lower but the going rates seem to be 3's from what I saw.  If anybody has knows a better one on a fixed rate holla at me.

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  On 9/25/2019 at 8:35 PM, Spur08 said:

I guess another question is whether or not it takes a few days/weeks for the rate decrease to trickle down to the lenders?

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  On 9/25/2019 at 3:22 AM, Spur08 said:

I'm back looking with the rate drop last week. Anyone refi lately?

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i saw 4.35% fixed for 10 years a couple months ago, but didn't jump on it and it seems to have disappeared.  not that 4.5% for 10 is much different, but i'd expect a couple months of falling rates to not have made the situation worse (but see 1 year LIeBOR, which is up over a month ago). 

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  On 9/29/2019 at 7:53 PM, Steel Shank said:

What are the options for graduates with jobs refinancing without a co-signer? Co-signer looking to take some of these loans off their books.

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how long has graduate with job been making on time payments?  cosigners can be removed after a certain number (though it's a few years' worth).

otherwise, have said graduate look on credible to see what the offers are.

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  On 9/29/2019 at 8:26 PM, elfenix said:

how long has graduate with job been making on time payments?  cosigners can be removed after a certain number (though it's a few years' worth).

otherwise, have said graduate look on credible to see what the offers are.

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Thanks. Student hasn't been out long, so not a lot of history on payments yet. 

While I'm a dad, this is for a family member. Thank goodness.

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