Borrowers who have a pre-existing Citizens Bank account when they apply (co-signers’ accounts also qualify) can earn a 0.25% ‘Loyalty Discount’, and those who set up auto-pay get a 0.25% interest rate reduction You can’t refinance while you’re still in school: While you don’t need a degree in order to refinance with Citizens, you cannot do so if you’re still in school.

Some lenders will allow you to refinance before you graduate from school, meaning you’ll start saving on monthly payments and interest as soon as possible, but Citizens requires you to have graduated (or have stopped going to school) before you can refinance Fewer loan options than some newer lenders: Being an older, more established bank, Citizens doesn’t offer some features that some startup lenders have incorporated into their offerings.

You have to manually apportion between the two.  For example, if you consolidated learn is for 0,000,000 for undergrad, ,000 is for grad.

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And what’s more, proceeds from the EDvestin U Loan Programs support scholarships and college access activities in New Hampshire’s public high schools. Borrowers must: A variety of loan terms to suit your needs: Edvestin U lets borrowers choose between four different term lengths — 5, 10, 15 or 20 years.

This gives borrowers the option to tailor their loan and choose the term that’s right for their individual financial situation A lender that gives back to the community: Unlike for-profit banks, proceeds from the EDvestin U Loan Programs go right into supporting local New Hampshire public high schools Refinance before you graduate: Edvestin U is one of the few lenders out there that lets borrowers refinance their loans before they have graduated.

The benefit of making even small payments while still in school is that it helps build credit early and can set you up for a higher, more established credit score than your peers who deferred all payments while in school.

Get Started CU Grad for consolidating your student loans: Family First, in partnership with Lendkey, can help you refinance and consolidate as little as $7,500 or as much as $125,000 in undergraduate private student loan debt or $175,000 in graduate debt. A: Applying with a creditworthy cosigner not only increases your chance of approval, but also may lead to a lower loan rate Q: What are some tips to keep in mind?

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Quick application process: College Ave will pull all your existing loan information from your credit report, so you don’t need to find the paperwork on your servicer’s website, making the refinancing application process quicker and easier Flexible repayment terms: With College Ave, borrowers can choose the loan repayment term that works best for them, as long as it’s between five and 15 years.

For instance, a three year term might mean your monthly payments are too high, but a 10 year term would extend your repayment period for too long, bringing up your interest.

And College Ave will even reward borrowers who opt for auto pay with a 0.25% discount on their interest rate Fee free: College Ave doesn’t charge any origination fees, pre-payment fees, or fees for paying more than the minimum amount due each month, which is great news for those who are able and want to pay off their loans faster High interest rates: While College Ave provides very competitive interest rates for creditworthy borrowers, even lower rates may be available to borrowers through other lenders.

Comparing prequalified rates from College Ave and other lenders can help you find the absolute lowest rate available In August 2016 Relia Max, a platform and service provider for student loans, introduced Connext, its private student loan solution, which aims to help students find lenders to refinance their student loans or issue them new undergraduate or graduate student loans.

Applying with a co-signer can help you increase your chance of qualifying for refinancing, and could also help you get a better interest rate than you would get if you applied by yourself.