Student loan refinance calculator
Enter the balance you'd refinance, a term and an APR. The calculator assumes a fixed rate and equal monthly payments, and shows the estimated payment and total interest over the term.
It doesn't include fees or changes to a variable rate, and it isn't an offer. Refinancing federal loans with a private lender ends access to federal benefits.
Estimate a refinanced student loan payment
Enter the balance you'd refinance, a term and an APR to see an illustrative fixed monthly payment and total interest.
Estimates only, based on the numbers you enter. Not an offer of credit. Lendara is not a lender.
Explore student loan refinance options
About this estimate
What does this calculator include?
It uses the balance, term and APR you enter to estimate a fixed monthly payment and the total interest over the term. Fees aren't included.
Why might a real offer differ?
Lenders set their own rates, terms and fees based on your credit profile and other details. A variable rate, a different term or the loss of federal benefits can change the trade-off.
Does Lendara set the rate?
No. Lendara is a marketplace, not a lender, and doesn't make credit decisions. Rates, terms and fees come from each lender and depend on their own review.
Related guides
- What to Know Before Refinancing Student Loans
How student loan refinancing works, what you give up when you refinance federal loans, and the details worth comparing before you switch to a private lender.
- How to Refinance Student Loans, Step by Step
A step-by-step guide to refinancing student loans with a private lender: what to check first, what you give up on federal loans, how to compare offers and what to do after you apply.
- Fixed vs. Variable Rates When Refinancing Student Loans
How fixed and variable rates work on a student loan refinance, the trade-offs of each, and the questions worth asking before you choose — plus what refinancing federal loans gives up.
Lendara is not a lender and does not make credit decisions. Rates and terms vary by lender.