Student Loan Refinance Calculator

Use your existing loan information to determine your Reset Refinance Loan options.

The Reset Refinance Loan can help you repay your student loans at a better rate or more affordable payment or it can simplify repayment by allowing you to work with one lender. Use this calculator tool to see what different terms and rates would mean for you financially.

If you're ready for something more specific, you may pre-qualify for the Reset Loan to learn the exact rate you qualify for with no impact to your credit score.

Note: These calculator results are for informational and educational purposes only and should not be used for the medical residency or in-school refinance loans, which do not require immediate repayment of principal and interest. The results are estimates only. They assume a fixed interest rate, a standard repayment plan and payments made on the due date and in full each month.


Enter the requested information on your current loans for the most accurate results.

Note: If you have federally held loans with a temporary 0.00% interest rate through Sept. 30, 2021, due to COVID-19 , please use the regular interest rate of your loans not the 0.00% for these calculations.

Loan One
Current balance must be entered and numeric.
Current balance of first loan
Current interest rate must be a numeric value greater than zero.
Current interest rate of first loan
Current monthly payment must be entered and numeric.
Current monthly payment on first loan
Loan Two
Current balance must be entered and numeric.
Current balance of second loan
Current interest rate must be a numeric value greater than zero.
Current interest rate of second loan
Current monthly payment must be entered and numeric.
Current monthly payment on second loan
Loan Three
Current balance must be entered and numeric.
Current balance of third loan
Current interest rate must be a numeric value greater than zero.
Current interest rate of third loan
Current monthly payment must be entered and numeric.
Current monthly payment on third loan

What You Should Know

Beginner’s Guide to Refinancing Your Student Loan

Repaying student loans can be stressful but refinancing may help make your life a bit easier. Continue reading article.

Should I Refinance My Parent PLUS Loans?

Parent PLUS loans are pretty easy to get and many schools "packaged" these loans for parents into students' financial aid award letters. Those conveniences come with a hidden price, though. Continue reading article.

Managing Student Loan Payments While Savings

How do you plan for the unexpected, while also saving for the future, your family, or even retirement, all while paying off student loan debt? Continue reading article.

Should I Refinance My Student Loans Before Graduating?

Are you facing high interest rates on student loans with months (or years) to go before you have to start paying them back? Continue reading article.