Best Student Loan Refinance Rates for Bad Credit

ElitePersonalFinance
Last Update: November 18, 2025 •

ElitePersonalFinance helps you find the best student loans from banks, credit unions, and online lenders.

  • Use our free loan comparison to find the best loan.
  • Request a student loan for up to $500,000.
  • Comparing offers doesn’t affect your credit score.
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Fixed APR:

3.99% - 12.61%
Variable APR:

5.98% - 13.74%
Min. Credit Score:

660
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Fixed APR:

2.47% - 12.61%
Variable APR:

2.47% - 13.74%
Min. Credit Score:

0
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Fixed APR:

2.75 - 4.30%
Variable APR:

N/A
Min. Credit Score:

None
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Fixed APR:

7.99 - 14.99%
Variable APR:

N/A
Min. Credit Score:

None
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Fixed APR:

7.08 - 8.85%
Variable APR:

N/A
Min. Credit Score:

None
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Fixed APR:

7.52 - 14.98%
Variable APR:

N/A
Min. Credit Score:

N/A
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