Refinance Student Loans with First Republic

First Republic tends to offer the lowest rates available, with fixed rates starting at 1.95%, but you must live near one of their banks’ branches.

You’ll also qualify for a $300 cash back bonus if you refinance via my referral link.

Furthermore, I’ll donate $50 to a charity of your choice after you’ve refinanced.

Do you have the ability to pay off your student loans within two years? If that goal is within reach, First Republic will pay you back any interest you paid (up to 2% of the loan balance) in that 24-month timeframe with their Eagle Gold All-in-One refinancing loan. No prepayment fees or origination fees.

Currently, First Republic branches exist throughout California, New York City, Boston, Greenwich, CT, Portland, OR, Jackson, WY, and Palm Beach, FL. If you live in those areas, take advantage! There is a liquidity requirement of 15% of the amount of the loan.

You can get an online quote in under a minute estimating your refinancing rate via my referral link to First Republic’s Student Loan Refinancing Estimator.



Check Your Rate @ First Republic


If you do not live in an area serviced by First Republic Bank, review your refinancing options and rates of other top lenders and refinancers on my resource page.


Student Loan Resource Page


Disclosure: Annual Percentage Rate. Rates effective as of October 30, 2019, and are subject to change.

“Terms and conditions apply. The terms of this loan may differ from your current loan(s). For example, this loan does not contain special features such as forbearance periods or income-based repayment plans available for some student loans. This loan may not be dischargeable in bankruptcy. This product is not available in all markets. For a complete list of locations, visit This is not a commitment to lend or extend credit. Contact your legal, tax and financial advisors for advice on deciding whether this is the right product for you.”

“Borrower must open a First Republic ATM Rebate Checking account (“Account”). Terms and conditions apply to the Account. If the Account is closed, the rate will increase by 5.00%. Rates shown include relationship-based pricing adjustments of: 1) 2.00% for maintaining automatic payments and direct deposit with the Account, 2) 0.50% for depositing and maintaining a deposit balance equal to the greater of 10% of the approved loan amount or $5,000 into the Account; and 3) an additional 0.25% for depositing and maintaining a deposit balance equal to the greater of 20% of the approved loan amount or $10,000 into the Account.”