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​What do I need to qualify for a student loan refinancing?

​You’ll be in the best position to refinance your student loan with us if you:

  • Have a credit score of at least 660. Approved LendKey borrowers have credit scores of 757 on average.
  • Earn at least $24,000 a year. Approved borrowers earn $63,000 a year on average.
  • Graduated from an eligible school. Borrowers must have graduated from a school that participates in the federal government’s Title IV federal student aid programs.
  • Are a U.S. citizen or permanent resident.
  • Do not live in Maine, Nevada, North Dakota, Rhode Island or West Virginia. We don’t refinance loans for borrowers in these states.

If you think you cannot qualify on your own, you can use a co-signer to refinance your student loan.