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Private and Federal Student Loan Refinancing

ISL Education Lending is rated excellent.

Student Loan

Replace your current federal and private student loans with a new, single loan to fit your budget.

Learn more about student loan refinance.

Parent Loan

Refinance your parent PLUS and private loans to a better rate and term.

Learn more about parent loan refinance.

Medical Resident

Refinance your education loans and pay only $751 per month during your residency.

Learn more about medical resident loan refinance.

Medical and Dental
Professional Refinance

Refinance your education loans with special pricing for physicians, dentists, optometrists and others in the healthcare community.

Learn more about medical and dental professional refinance.


Refinance high-rate loans while you or your student is in school to pay less in interest.

Learn more about in-school refinance.

Why Refinance With Us?

Competitive fixed rates with multiple repayment options to fit your budget.

No origination, prepayment or late fees ever.

Knowledgeable customer service provided from one U.S. location.

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 offers. Those conveniences come with a hidden price, though. Continue reading article.

Managing Student Loan Payments While Saving

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.

1 Annual percentage rates (APRs) assume a principal and interest repayment term as short as five years and as long as 20 years, borrowing $100,000, a 0% origination fee, deferring principal and interest for 66 months while requiring $75.00 monthly payments, and assumes you are enrolled in and maintain auto-debit payments during the Post-Residency Repayment Period. Enrolling in auto-debit during the Post-Residency Repayment Period results in a 0.25% interest rate reduction during the Post-Residency Repayment Period. Without enrolling in auto-debit, the APR range would be from 6.55% APR to 10.43% APR, which may vary based on the applicant's state of residence. 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. During your residency, you must make monthly payments of at least $75.00. The $75.00 monthly payments during the Residency Period may not be enough to fully pay the interest that will accrue during the Residency Period. If the interest that accrues each month is more than $75.00, the amount of interest that is not paid will be added to your loan balance. Your loan balance may therefore increase during your Residency Period even though you are making the required payments, which is called negative amortization. Because of the negative amortization, your loan will have a larger principal balance at the start of the Post-Residency Repayment Period than the amount that you originally borrowed. Back to content