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There are so many options for refinancing a student loan; it can be confusing. Everyone wants the best deal they can get; however, it can be exhausting shopping around and checking each financial institution. Below are 10 of the best places to refinance or consolidate your student loans.

Citizens Bank
This bank has lots of loan options. They offer 5-, 10-, 15-, and 20-year repayment options with a variety of different loan rates.

CommonBond
CommondBond focuses on refinancing student loans. It was one of the first companies to make this their goal. The company also offers an unemployment protection option. It pauses loan payments temporarily.

Earnest
This company offers variety. It is one of the most flexible refinancing companies for student loans. They even allow people to skip a payment once a year.

ElFi
ElFi offers a minimum amount of $15,000 for student loan refinancing. This company is especially useful for those attending school for a long time such as doctors.

First Republic
This organization offers one of the lowest fixed rate payment plans available. On the downside, they require their customers to have a sizable income before approval.

Laurel Road
Laurel Road is unique in that it will refinance sizable amounts of student loans. They will accept new clients with loans well over $300,000. Laurel Road was formally known as DRB Student Loans.

LendKey
LendKey works with credit unions to offer reasonable student loan rates to their customers. However, LendKey only offers to refinance for people who have already graduated.

PenFed
PenFed’s student loan rates keep dropping. This makes them one of the best options for anyone to go with regardless of loan amount or degree.

SoFi
SoFi is popular for a reason. Not only was it a pioneer of student loan refinancing, but they also offer 5-, 7-, 10-, 15-, and 20-year repayment options. They also offer unemployment protection.

Splash Financial
Although new, Splash Financial is gaining steam. It is especially well-suited for those in medical school who need refinancing. Splash Financial has a unique deal for those still in medical school. They allow studying doctors to pay only $1 per month until they complete training.