Reducing the cost of your education. Refinancing your student loans can save thousands of dollars in interest See Rates Interest rates beyond belief. Find out how much you could save with just a few clicks See Rates

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Several of the best loan programs to choose from!

Compare student loan refinancing rates from the most competitive lenders without affecting your credit score. 100% free and really fast.


How many loans can I refi?

You can refi a single loan or multiple loans.  There is no limit to the number of loans you can refi at once.  

How much does it cost to use Valet?

Nothing.  We will never charge you to use the Valet site or any of the tools we offer.

How do you select lenders?

We've been doing this for a long time.  We select lenders based on the terms of the loans they offer, how transparent they are and our experience with them.  If we have not had a good experience with a lender, we will not present their products on our site.

Do I need a co-signer?

No.  Generally you do not need a cosigner if you are able to satisfy the lender's underwriting requirements on your own.  Note that applying with a cosigner may increase your chances of approval and your chances of qualifying for a lower interest rate.

Does Valet pull my credit score?

No.  We will ask you to estimate your credit score in order to determine which lenders' products you might qualify for, but we will not pull your credit score.

Can I refinance more than once?

Yes.  There is no limit to the number of times you can refinance your loans.

Will refinancing actually save me money?

Whether refinancing will actually save you money will depend upon the interest rate and terms of the loans you are refinancing versus the interest rate and terms of your new refinance loan.  Generally if your new refi loan has a lower interest rate or a shorter repayment term or both you will actually save money by refinancing.  

Available Lenders


Student Loan











No hidden fees, quick

All participating lenders offer a simple online application with zero origination fees or prepayment penalties. You can save thousands of dollars thanks to flexible terms and low fixed or variable interest rates. You're just one click away from finding the lowest rates around.