The market for private student loan refinancing continues to grow with multiple options piling up over time. As a group, these companies are far more similar than they are different, and the main differentiating factor in most cases will be the rate each gives you on a given day.
Applications are short and surprisingly painless, so do yourself a favor and at least do the preliminary rate-check application for as many companies as fit your needs. The initial applications won’t even affect your credit until things look promising enough that you decide to actually move forward and agree to a real credit check (a “hard” pull). Almost all companies also offer a solid welcome bonus for refinancing via one of the links below.
[I don’t keep up with this anymore and no longer have affiliate relationships with these companies]
Summary
There are never any fees or costs to refinancing with any of these players, so you can refinance, keep an eye on the rates, and refinance again if they go down, collecting referral bonuses all the while.
Always make sure to read the fine print on anything you sign.
And remember, most of all, while you can switch from private company to private company, you can never go back to any federal loan repayment plan once you refinance privately. If PSLF is a real possibility for you, then you probably shouldn’t be refinancing.