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$2,000 College Repayment Scholarship

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Special offers for medical resident and fellow refinance products

  • Fixed rates: 2.49% - 6.25% APR
  • Variable rates: 1.88% - 6.15% APR
  • Minimum credit: 650
Visit Splash

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Splash Financial is a leader in student loan refinancing with new rates as low as 2.49% fixed APR which can save you tens of thousands of dollars over the life of your loans. No application or origination fees and no prepayment penalties. Splash Financial is in all 50 states and is intensely focused on customer service. Splash Financial is also one of the few companies that offers a great medical resident and fellow refinance product. You can check your rate with Splash in just minutes.

  • Low interest rates – especially for graduate students
  • No application or origination fees. No prepayment penalties.
  • Co-signer release program - you can apply for a cosigner release form your loan after 12 months of on-time payments
  • Specialty product for doctors in training with low monthly payment

Click here to see more of Splash's offerings and to see how you can save money.

For every loan they fund, they contribute to the education of a child in need

  • Fixed rates: 2.83% - 6.74% APR
  • Variable rates: 1.99% - 6.84% APR
  • Minimum credit: 660
Visit CommonBond

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CommonBond was founded in 2011 by three MBA graduates from the University of Pennsylvania’s Wharton School who wanted to help their peers escape from high-interest student loan debt. Its original focus was on grad students, but it has since expanded to cover undergrads as well.

Of all the companies we reviewed, CommonBond has some of the best customer service. The company prides itself on being easy to reach by email, phone, or live chat. It offers networking events, expert panels, insider newsletters, and even has a program help borrowers who lose their jobs to find new ones. CommonBond also makes you feel good about choosing to refinance with them by donating money to an education nonprofit for each loan they write.

CommonBond Student Loan Refinance review

  • Unemployment protections - If you lose your job or decide to go back to school, you can delay your payments for up to 24 months.
  • Social promise - For every loan they fund, they also contribute to the education of a child in need.
  • Hybrid loan option - Offerings include a 10-year hybrid loan with fixed interest for the first five years, and variable interest for the final five.
  • Referral bonus - For every friend you refer who refinances their loans with CommonBond, you’ll earn a $200 cash bonus.
  • Qualification - Borrowers must have graduated at least 2 years prior if they want to apply without a co-signer. And borrowers in 6 states – Idaho, Louisiana, Mississippi, Nevada, South Dakota, and Vermont – cannot currently refinance through CommonBond.

Get a personalized review of your refinancing options with CommonBond today.

SoFi is the leading student loan refinancing provider. 

  • Fixed rates: 2.99% - 6.88% APR
  • Variable rates: 2.25% - 6.43% APR
  • Minimum credit: 650
Visit SoFi

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$30 billion+ in refinanced student loans. SoFi has some of the lowest interest rates and, unlike the other lenders we reviewed, there's no maximum on the amount you can finance. Some state restrictions may apply.

  • Serious savings: Save thousands of dollars thanks to flexible terms and low fixed or variable rates.
  • No hidden fees, no catch: No application or origination fees. No pre-payment penalties.
  • Fast, easy, and all online: Simple online application and access to live customer support 7 days a week.
  • Access to member benefits: SoFi members get career coaching, financial advice, and more—all at no cost.
  • 98% of surveyed members would recommend SoFi to a friend

Save thousands on your student loans and pay off your loans sooner. Find your rate.

Ability to apply for cosigner release after 24 consecutive payments. 

Visit NelNetBank

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Give Your Life’s Journey a Jump-Start.

If you’re ready to put student loans in your rearview mirror, Nelnet Bank student loan refinancing offers low rates and flexible terms to help you start getting ahead.

  • VARIABLE RATES: 1.95% - 5.69% APR See Disclaimer
  • FIXED RATES: 2.55% - 6.31% APR See Disclaimer
  • AUTO DEBIT SAVINGS: We’ll knock .25% off of your interest rate when you enroll in auto debit. See Disclaimer
  • NO ORIGINATION FEES: No application, origination, or prepayment fees on Nelnet Bank loans.
  • HARDSHIP PROTECTION: Hardship forbearance helps protect against unexpected loss of income. See Disclaimer

See How Much You Can Save: Estimate your savings with a student loan refinance from Nelnet Bank.

Works with 300+ community lenders for higher approval chances

  • Fixed rates: 2.95% - 7.63% APR
  • Variable rates: 1.90% - 5.25% APR
  • Minimum credit: 660
Visit LendKey

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Connecting student borrowers to a network of over 300 community lenders with low interest rates. By partnering with these lenders, LendKey is able to give consumers direct access to the best rates available from the most borrower friendly institutions. As the servicer of all loans obtained through its platform, you can rest easy knowing your personal information will be safe and that the best customer service team will be ready to answer your questions from application until your final payment.

LendKey Student Loan Refinance review

  • Lightning fast rate check - 2-minute rate check with no impact on your credit score
  • More lenders, more options - see the best offers from over 300+ community lenders for higher approval chances
  • Life of loan relationship - With LendKey, your personal information will never be sent or passed on to third parties. Their customer service team is with you from the moment you land on their website until you've completely repaid your loan.
  • Unmatched benefits- Community lenders put people over profits and offer unique benefits like cosigner release after 12 on-time payments, interest only repayment options to keep monthly payments low, the largest unemployment protection period in the market, and more.

Get a personalized quote from LendKey now.

Best for borrowers who want to customize their repayment schedule to pay off debt fast.

Visit Earnest

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Using technology, data, and design to build affordable products, Earnest's lending products are built for a new generation seeking to reach life's milestones. The company understands every applicant's unique financial story to offer the lowest possible rates and radically flexible loan options for living life.

  • Commitment-free 2 minute rate check
  • Client Happiness can be reached via in app messaging, email, and phone 
  • No fees for origination, prepayment, or loan disbursement
  • Flexible terms let you pick your exact monthly payment or switch between fixed and variable rates
  • Skip a payment and make it up later
  • Online dashboard is designed to make it easy to apply for and manage your loan

Click here to apply with Earnest and to see how much you can save.

16 different loan term options – more flexibility to pay down your loan faster

  • Fixed rates: 3.24% - 5.54% APR
  • Variable rates: 3.34% - 5.69% APR
  • Minimum credit: 680
Visit CollegeAve

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College Ave Student Loans offers major help and minor stress. We’ll help guide you through the process to find the right loan term and interest rate for you and the family budget.

  • Fast rate check: Get your new rate in 60 seconds 
  • Instant credit decision
  • Super flexible terms: 16 loan terms available from 5 to 20 years
  • No fees to apply

Click here to see more College Ave offerings and to start saving today! 

Eligibility

The $2,000 Nitro Scholarship Sweepstakes (the “Sweepstakes”) begins at 12:00:01 AM Eastern Time (“ET”) Friday, January 01, 2021 and ends at 11:59:59 PM ET on Friday, December 31, 2021 (the “Sweepstakes Period”). Sponsor’s computer is the official clock for this Sweepstake. The $2,000 Nitro Scholarship Sweepstakes is only open to legal residents of the 50 United States, the District of Columbia, age 17 or older at the time of entry, and who meet one (1) of the five (5) following eligibility requirements at the time of entry:

  1. a student or a parent whose child has graduated from an accredited undergraduate school (a “School) and who is currently paying back a student or parent loan for his/her/child’s educational expenses for such School (“Entrant”).
  2. a parent who currently has a child enrolled in an accredited college or university located within the United States;
  3. a student who is currently enrolled in an accredited college or university located within the United States;
  4. a parent who currently has a child enrolled as a high school senior located within the United States;
  5. a student who is currently enrolled as a high school senior located with the United States; 

Void outside the U.S. and wherever prohibited by law.  Click here for Official Rules. 

* All applications submitted past the current deadline date up till 11:59 PM ET will be considered for the next deadline.

2021 Application Deadlines*

DEADLINE WINNER
November 30, 2020 Jennifer Keizer
December 31, 2020 Kevin Koester
January 31, 2021 Confirming Winner
February 28, 2021 Avery Trowbridge
March 31, 2021 Ashley Pope
April 30, 2021 Kelly Wilkerson
May 31, 2021 Barbara Naranjo
June 30, 2021 Confirming Winner
July 31, 2021 Current Deadline
August 31, 2021 Announced Soon
September 30, 2021 Announced Soon
October 31, 2021 Announced Soon
November 30, 2021 Announced Soon
December 31, 2021 Announced Soon
View Previous Nitro Scholarship Winners


Nitro cares about providing you the resources needed to successfully navigate financing college. That’s why we’re offering you the opportunity to
earn a $2,000 scholarship. We know that college is a big step forward in achieving your goals and we want to help you get there using all the tools Nitro has to offer.