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Get assistance viewing your application disclosures. If you have loan application questions, call (800) 542-6005 between
8 a.m. and 4:30 p.m. Monday–Friday.

Reset Refinance Loan

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If you are looking for better rates, lower monthly payment amounts or just want to simplify repayment of existing student loans, the Reset Refinance LoanSM (Reset Loan) can help you.

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See which fixed rates between 3.25% APR and 7.25% APR1 you would qualify for by answering a few simple questions. It's fast, easy and won't impact your credit score.

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Ready to refinance now? Start your application today.

Check out our eligibility and credit criteria for the Reset Loan and view other details, including our interest-rate reduction benefit for automatic payments.

Speak with a Specialist

Have questions about refinancing your loans? Talk to one of our friendly and knowledgeable representatives to learn more. Call us toll free at (844) 268-2202, email us at or schedule a call.

Before You Refinance Federal Loans

Thinking about refinancing existing federal student loans into a Reset Refinance Loan? If you choose to refinance federal loans, you may be forfeiting important benefits. Be sure you understand what important federal loan benefits you may lose before applying.

Review these important details to learn more before refinancing federal student loans.

1 Annual percentage rates (APRs) assume you are enrolled in and maintain auto-debit payments from the date of origination. Enrolling in auto-debit results in a 0.25% interest rate reduction. Without enrolling in auto-debit, the rate will range from 3.50% APR to 7.50% APR. Not all borrowers receive the lowest rate. If you are approved for a loan, the rate offered will depend on your credit profile and the term you select and will be within the ranges shown above assuming the auto-debit interest rate reduction applies.

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Subject to credit approval, loans are made by Iowa Student Loan or Bank of Lake Mills. Bank of Lake Mills does not have an ownership interest in Iowa Student Loan. Bank of Lake Mills is not affiliated with the school you attended or are attending. Bank of Lake Mills is Member FDIC. Loan servicing, including billing and other customer service, will be provided by Aspire Servicing Center.