Refinancing Loans
Getting you to the future faster.
Refinancing your student loans can help you get a lower monthly payment and save you money on interest by paying off your debt faster. We offer flexible repayment options, no origination fees, and our trademark low, fixed rates to get you out of student debt quickly and keep you moving forward.
Our complete low-interest loans work with you in mind.
| Repayment Term | Fixed Interest Rate |
|---|---|
| 10-year | 5.09%-6.24% |
| 15-year | 5.34%-6.74% |
| 20-year | 5.59%-7.24% |
Refinance Loan Eligibility
In addition to the information noted below, you and your cosigner, if applicable, must also meet our underwriting criteria to obtain a loan from Complete Student Loans.
Borrowers:
Borrowers:
- You must be the age of majority in your state of residence, otherwise an age of majority cosigner is required.
- You must be a US citizen or permanent resident.
- You need to have been enrolled in an eligible degree or certificate program at a U.S. college or university eligible for Title IV federal aid. If you’re not a Utah resident, you need to have been enrolled at an eligible Utah school.
- You must have at least one outstanding, fully disbursed, private education loan, federal-backed education loan (e.g. FFELP, HEAL, Perkins, NSL, etc.) or a Federal Direct Loan.
- You must make an annual income of at least $45k or you will need to apply with a cosigner who meets that income threshold. Your total education loan indebtedness (private and federal loans) cannot exceed $300k.
- You must apply for a minimum loan amount of $10,000.
- Your cosigner must be the age of majority in your state of residence.
- Your cosigner must be a US citizen or permanent resident.
