How Rising Delinquency and Financial Stress Are Changing the Case for Refinancing in 2026
Student loan refinancing rates hit 3.69% APR in February 2026—the lowest advertised fixed rates in over a year. Refinancing should be surging. However, the numbers tell a differe
Why Two Borrowers With the Same Credit Score Get Different Refinance Rates
Your credit score is 760. You apply for student loan refinancing. The lender quotes you 6.25%. However, your neighbor also has a 760 credit score. Same lender. Same week. They get
Your Credit Score Qualifies You. Your DTI Ratio Prices You.
Currently, the student loan refinancing market advertises rates starting at 3.84% APR. Those same lenders cap out at 10.15%.That's a 6.31 percentage point spread separating the bes
How to Improve Your Credit Score Before Refinancing Student Loans
Your credit score often determines what you pay. When you refinance student loans, lenders use your credit score as a major factor to determine your interest rate. The difference b