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.

Currently, they’re in California, New York City, Boston, Greenwich, CT, Portland, OR, 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.


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