Aug 2, 2023 · 1. Enter which loans you do — and do not — want to consolidate. 2. Choose a repayment plan. You can either get a repayment timeline based on your loan balance or pick one that ties payments to ... Refinance your student loans. ... Student Loan Repayment Options: Find the Best Plan For You. by Anna Helhoski. Read more. NerdWallet’s 2023-24 FAFSA …Apr 3, 2019 · Examples of typical costs for a $10,000 Smart Option Student Loan with the most common fixed rate, fixed repayment option, 6-month separation period, and two disbursements: For a borrower with no ... Sep 25, 2023 · Answer 1. To refinance your student loan debt, you will need to gather your financial information, including details about your current loans such as the outstanding balance, interest rates, and repayment terms. Additionally, you may be asked to provide proof of income, employment history, and credit score. Student loan refinancing is when you apply for a new loan to pay off your current student loans, usually to lower your interest rate or extend your payoff timeline. If you have a federal student ...April 29, 2023. Jess Ullrich. Refinancing student loans involves replacing existing loans with new ones. Ideally, the new loan will decrease your monthly payments by providing a lower interest rate or extending your repayment term. This could make your student loan payments easier to manage. But many lenders require good-to-excellent credit to ...Rates on 10-year fixed-rate refinance loans averaged 6.49%, down from 6.82% the week before and up from 5.62% a year ago. Rates for this term hit their lowest point of 2022 during the week of Jan ...For student loan refinancing, the participating lenders offer fixed rates ranging from 4.49% – 8.99% APR, and variable rates ranging from 5.09% – 8.99% APR. For ...Parent PLUS loans carry the highest interest rate of all federal student debt; for the 2021-22 school year, the rate was 6.28%. Borrowers who have excellent credit and a stable income are likely ...Best Student Loan Refinance; Best Student Loans No Cosigner; Best Parent Student Loans: Parent PLUS and Private; See All Best Of Pages; Lender …Best robo-advisors; Best options trading brokers and platforms; ... student loan refinancing is when a private lender pays off your existing loans and gives you a new loan with new terms.Accent offers loans starting at $2,001, with maximum borrowed amounts of $200,000 for undergrad students and $400,000 for grad students. Rates start under 5%, though you typically need a co-signer ...Dec 16, 2022 · Refinancing your student loans is a fairly straightforward process that involves researching lenders, finding the lowest interest rates, and applying. The following steps show you how to refinance your student loans in a matter of weeks. Step 1: Compare Rates. A variety of private lenders refinance student loans, including banks, credit unions ... Easy refinancing, clear progress. With Earnest, you get the options you need to refinance your student loans to fit your life. And the option to refinance later when life changes. Combine your private and federal loans. Save with Auto Pay and never miss a payment. Choose a payment amount that fits your budget.Apr 19, 2023 · Discover will refinance as little as $5,000 and up to $150,000, which makes it one of the more flexible refinance lenders on the market. There are also no fees, not even late fees, and the rate ... Deciding to refinance private student loans is a personal choice. The best option for you can depend on whether your credit has changed, you need a lower monthly payment or you can save money by ...6.15-16.08 %. Min. credit score. Low-Mid 600s. Key Facts. Pros & Cons. Product Details. Best for students with a creditworthy co-signer. Why our Nerds love it. Ascent Co-signed Student Loan scores ...On August 24th, President Biden announced his plan for student debt forgiveness. As the White House has been suggesting for many months, Biden opted to cancel $10,000 in student debt for debtors who make under $125,000 a year.The bottom line. The credit score you need to refinance your student loan varies by lender but is often 680 or higher. The higher your credit score, the better your chances of qualifying for a ...Not only is Earnest is a great option to refinance if you have bad credit, but you can also and receive up to a $1,000 cash-back bonus using Student Loan Planner®’s bonus link (that's if you refinance more than $100,000. …Mortgage refinancing is basically swapping out an old loan for a new better one. Therefore, the new loan pays off the old one, and you begin paying your new lender. The process of refinancing a mortgage can be tiresome due to the number of ...Student loan refinancing companies offer refinancing loans that can help you save money on interest. If you have good credit, you could get approved for a refinancing loan and lower your interest rate by a few points and potentially save thousands of dollars. Once approved, the new loan would pay off your current student …How to Refinance Your Student Loans · Do Your Research on Refinancing Interest Rates · Evaluate the Loan Terms and Choose Your Lender · Prepare Your Documents and ...Splash Financial's partner lenders offer the following terms on student loan refinances: Fixed rates: 4.96%–10.99% APR (with autopay) Variable rates: 5.72%–10.89% APR (with autopay) Term ...When to refinance student loans depends on whether you’ll find a rate that makes a difference in your life. A $30,000 private student loan with an 8% interest rate, …10 Apr 2023 ... Are you wondering how to find the best student loans and rates in 2023? With so many options available, it can be overwhelming to navigate ...Best robo-advisors; Best options trading brokers and platforms ... credit unions and online lenders offering student loans and student loan refinancing includes the top 10 lenders by market share ...Jul 20, 2023 · Apply Now. 4.99% to 9.99% with autopay. 5.99% to 9.99% with autopay. 5, 7, 10, 15, 20 years. Show More. 1. Gather Your Financial Information. Before you begin reaching out to student loan lenders ... April 29, 2023. Jess Ullrich. Refinancing student loans involves replacing existing loans with new ones. Ideally, the new loan will decrease your monthly payments by providing a lower interest rate or extending your repayment term. This could make your student loan payments easier to manage. But many lenders require good-to-excellent credit to ...You have loans with high interest. High interest is probably the biggest reason to research options to refinance student loans. Federal student loans range from 3.73 to 6.28% for the 2021-22 school year. Private loans are at 6.11% for a fixed-rate 10-year term loan. Refinancing student loans can drop fixed loans as low as 3.22%.1. Enter which loans you do — and do not — want to consolidate. 2. Choose a repayment plan. You can either get a repayment timeline based on your loan balance or pick one that ties payments to ...Top 4 lenders for medical student loan refinancing. Here are our top 4 lenders for medical student loan refinancing: *Disclosures. $1,050 BONUS* For 100k+. $300 bonus for 50k to 99k.*. VISIT LAUREL ROAD Variable 5.49-10.89%* Fixed 5.74-10.99%*. *Disclosures. $1,000 BONUS* For 100k or more. $200 for 50k to $99,999*.Refinancing your student loan could be a good idea in a few different situations. If you have private student loans, refinancing your loans can mean that you’re able to qualify for lower ...Student Loan Rates Frequently Asked Questions. Federal student loan interest rates for the 2023-2024 school year are 5.5% for undergraduates and 7.05% for graduates.5, 7, 10 or 15 years. 4.8 /5. Why we picked it. As the lone credit union to crack our top 10 best ...May 10, 2023 · Remember: If you have federal student loans, it’s best to wait until 60 days after June 30, 2023, when the payment pause ends. Interest rates are currently set to 0% because of the CARES Act ... Nov 6, 2023 · With RISLA, you can refinance $7,500 up to a maximum of $100,000 to $250,000 (based on degree level and discipline). Repayment terms range from five to 15 years. To qualify, you’ll need a credit ... You would save money. A student loan refinancing calculator will give you an idea of how much you'll save by refinancing your student loans. Use the calculator below to see the impact...Nov 21, 2022 · Types of student loans you can refinance. You can refinance both federal and private student loans, as long as you meet the lender’s requirements. Although these vary from one lender to the next ... 4.0 NerdWallet rating Min. credit score 660 Fixed APR 7.11-11.18%College education in the U.S. is expensive. A typical in-state student studying a four-year course in an American college will pay an average of $25,487 per academic year, while an out-of-state student should prepare to spend at least $27,0...Credible will compare rates from Advantage Education Loans, Brazos, Citizens Bank, College Ave, EDvestinU, iHELP, MEFA, PenFed, RISLA and Splash Financial in just two minutes. There are fixed and variable rates plus loan terms anywhere from 5 – 25 years with undergraduate and graduate eligibility.Laurel Road Student Loan Refinancing. Laurel Road offers some of the best fixed rates of all of our lenders, but keep in mind that only 11% of applicants who applied between July 2019 and June ...If borrowers in default want to keep these benefits, they have through September 2024 to opt into Fresh Start – the simplest path yet out of default. The …7 Best Student Loan Refinance Companies of October 2023 By: Andrea Agostini Ferrer Andrea Agostini Ferrer Staff Writer | Joined August 2020Oct 24, 2023 · Smart Option Student Loan: Examples of typical costs for a $10,000 Smart Option Student Loan with the most common fixed rate, fixed repayment option, 6-month separation period, and two ... The bottom line. Refinancing a federal loan could save you thousands of dollars on interest if you can qualify for a lower rate with a private student loan. However, think twice before refinancing ...Minimum credit score of 680 or higher for refinance loans. In some cases, credit requirements for the student borrower may apply in addition to the normal credit requirements for the co-signer.When refinancing student loans with this lender, you can choose from a variety of payment options. These include five-, seven-, 10-, 15- and 20-year loan terms, offered as either fixed- or ...Best Graduate Student Loan Options. by NerdWallet. International Student Loans for 2023. ... Student loan refinancing can save you money, but how much depends on your credit history, ...Sep 5, 2023 · Student loan refinancing is when you apply for a new loan to pay off your current student loans, usually to lower your interest rate or extend your payoff timeline. If you have a federal student ... Deciding to refinance private student loans is a personal choice. The best option for you can depend on whether your credit has changed, you need a lower monthly payment or you can save money by ...In February 2021, came refinance number 4 on a much more aggressive payment timeline (5 years vs 10) as I had the resources to start paying these loans down in earnest. Refinance 4: Feb. 2021: $112,000 for 5 years at 3.465% (3.25 with the autopay discount) with projected interest of ~$10,000. Since refinance 4 I've been paying between $1,000 …6 hari yang lalu ... ... student loan refinance is the best option for you to make your loan repayments more flexible and reliable. Loan refinancing refers to the ...Jul 6, 2022 · To calculate your DTI, divide your monthly debt payments by your gross monthly income. For example, let’s say your gross monthly income is $3,000, and you have the following monthly debt ... Refinance your student loans. ... Student Loan Repayment Options: Find the Best Plan For You. by Anna Helhoski. Read more. NerdWallet’s 2023-24 FAFSA …Oct 11, 2023 · With Citizens, you can refinance loan amounts from $10,000 to $750,000 (depending on your degree and loan type) with terms from five to 20 years. Additionally, if you already have an account with Citizens, you could get a 0.25% rate discount — plus another 0.25% off your rate if you sign up for autopay. 3.7. Available terms: Repayment terms range from 5, 10, 15 or 15 years. Those with undergrad or graduate degrees may be eligible for 20-year terms if you refinance at least $75,000. Rates: PNC has both ...Splash Financial's partner lenders offer the following terms on student loan refinances: Fixed rates: 4.96%–10.99% APR (with autopay) Variable rates: 5.72%–10.89% APR (with autopay) Term ...Oct 11, 2023 · Your current monthly payment is $919. Your new lender makes an offer of a lower interest rate at 4.5%, a new loan term of 10 years, and a monthly payment of $674. By refinancing, you’ll save $7,375 over the life of the loan and pay $245 less for your monthly payment. Learn More: When To Refinance Student Loans. Complete Guide to Refinancing Student Loans in 2021. By Kristen Kuchar. November 5, 2021. Refinancing student loans can be an option to save money for some borrowers, change loan servicers or make student loan repayment easier to manage. However, there are pros and cons to refinancing student loans and it is not the best …With RISLA, you can refinance $7,500 up to a maximum of $100,000 to $250,000 (based on degree level and discipline). Repayment terms range from five to 15 years. To qualify, you’ll need a credit ...Mar 27, 2023 · That can save you money in the long run — and from the very first payment. When to refinance student loans depends on whether you’ll find a rate that makes a difference in your life. A $30,000 ... Available terms: 10 years. Rates: 8.45% APR fixed; However, you can reduce your APR by applying for interest rate deductions: 0.50% for enrolling in autopay, plus another 0.50% after you make six ...Refinancing your Sallie Mae student loans can have a positive impact on your student loan repayment plan. Here are some of the top benefits you may enjoy: Lower interest rates: You may qualify for ...In 2021, the Consumer Financial Protection Bureau received 78 student loan-related complaints about Discover. In general, though, Discover has earned awards for its customer service efforts from ...That can save you money in the long run — and from the very first payment. When to refinance student loans depends on whether you’ll find a rate that makes a difference in your life. A $30,000 ...Examples of typical costs for a $10,000 Smart Option Student Loan with the most common fixed rate, fixed repayment option, 6-month separation period, and two disbursements: For a borrower with no ...Refinancing to a new, lower-rate loan is a popular way for borrowers to pay off their student debt faster, but it isn’t the only way. Other options include: Student loan forgiveness: Depending ...In February 2021, came refinance number 4 on a much more aggressive payment timeline (5 years vs 10) as I had the resources to start paying these loans down in earnest. Refinance 4: Feb. 2021: $112,000 for 5 years at 3.465% (3.25 with the autopay discount) with projected interest of ~$10,000. Since refinance 4 I've been paying between $1,000 …If borrowers in default want to keep these benefits, they have through September 2024 to opt into Fresh Start – the simplest path yet out of default. The …Interest Rates and Fees. Credible doesn’t list maximum interest rates on its refinancing marketplace. The lowest rates, for the most creditworthy borrowers, are 4.40% (variable) and 5.07% (fixed ...5 Agu 2020 ... With interest rates at an all time low, it might be a great time to refinancing your student loan debt. Not so fast though, because with the ...Jul 6, 2022 · To calculate your DTI, divide your monthly debt payments by your gross monthly income. For example, let’s say your gross monthly income is $3,000, and you have the following monthly debt ... What Are the Pros and Cons of Consolidating Student Loans? Federal student loan consolidation offers many benefits, but it's not the best option for everyone.24 Okt 2023 ... Learn what refinancing your student loans means and potential reasons to refinance including better interest rates, simpler payments and ...About SoFi. SoFi is an online lender founded by Stanford business school students in 2011. SoFi offered student loan refinancing as of May 2012, and the San Francisco-based company added private ...Best for fair credit score: Earnest Student Loan Refinancing. Best for having a co-signer: Citizens™ Student Loan Refinancing. Best for parent loan refinancing: Education Loan Finance (ELFI ...Apr 19, 2023 · Discover will refinance as little as $5,000 and up to $150,000, which makes it one of the more flexible refinance lenders on the market. There are also no fees, not even late fees, and the rate ... Nov 21, 2022 · Types of student loans you can refinance. You can refinance both federal and private student loans, as long as you meet the lender’s requirements. Although these vary from one lender to the next ... Nov 13, 2023 · During the 2021-2022 academic year, college students left school with an average student loan debt of $29,100 — though some students can end up with much higher amounts of debt. Paying off this ... 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Refinancing to a new, lower-rate loan is a popular way for borrowers to pay off their student debt faster, but it isn’t the only way. Other options include: Student loan forgiveness: Depending .... Best options to refinance student loans
tqqq sharesGetty Interest rates on refinanced student loans are mixed.. For borrowers with a credit score of 720 or higher who prequalified on Credible.com’s student loan marketplace during the week...Discover Student Loans. Read 10 Reviews. Select from a variety of student loan options. Available for international students. Variable rates 2.99% to 13.99% APR; fixed rates 5.49% to 14.99%. No ...23 Nov 2023 ... Refinance student loans: compare top 8 lenders now nerdwallet nerdwallet is a free tool to find you the best credit cards, cd rates, savings, ...Best for fair credit score: Earnest Student Loan Refinancing. Best for having a co-signer: Citizens™ Student Loan Refinancing. Best for parent loan refinancing: Education Loan Finance (ELFI ...Parent PLUS loans carry the highest interest rate of all federal student debt; for the 2021-22 school year, the rate was 6.28%. Borrowers who have excellent credit and a stable income are likely ...Nelnet Bank offers private student loans and student loan refinancing up to $125,000 for undergraduate loans and $500,000 for graduate loans ... You can select the best loan options based on your ...26 Jul 2023 ... Student loan consolidation and refinance are repayment options that borrowers may choose to help make their payments more affordable.Best robo-advisors; Best options trading brokers and platforms ... credit unions and online lenders offering student loans and student loan refinancing includes the top 10 lenders by market share ...3 Earnest Student Loan Refinance. Actual rate and available repayment terms will vary based on your income. Fixed rates range from 5.21% APR to 10.04% APR (excludes 0.25% Auto Pay discount ...Oct 24, 2023 · Smart Option Student Loan: Examples of typical costs for a $10,000 Smart Option Student Loan with the most common fixed rate, fixed repayment option, 6-month separation period, and two ... Splash Financial Student Loan Refinancing is a great option to refinance student loans, as it comes with no origination fees or prepayment penalties. Splash Financial Student Loan Refinancing ...Using This Student Loan Refinance Calculator. This calculator will be most useful if you have already received personalized interest rate estimates from refinance lenders. Many lenders provide ...Remember: If you have federal student loans, it’s best to wait until 60 days after June 30, 2023, when the payment pause ends. Interest rates are currently set to 0% because of the CARES Act ...Best robo-advisors; Best options trading brokers and platforms ... credit unions and online lenders offering student loans and student loan refinancing includes the top 10 lenders by market share ...Sep 1, 2023 · Interest Rates and Fees. Credible doesn’t list maximum interest rates on its refinancing marketplace. The lowest rates, for the most creditworthy borrowers, are 4.40% (variable) and 5.07% (fixed ... Best for: Indiana residents. INvestEd offers private student loans to students living in or attending school in Indiana. With INvestEd, you can borrow a minimum of $1,001 up to 100% of your cost of attendance (minus any other financial aid you’ve received) with terms ranging from five to 15 years. 4.6.To determine if refinancing your loans is a good idea, start by looking at current student loan refinance interest rates and compare Sallie Mae’s features with those of other lenders. Learn more ...After you're locked into a mortgage loan there's a good possibility that you'll experience some changes to your financial situation -- good or bad -- or interest rates will drop enough to make refinancing worthwhile. Whatever the reason for...Best Graduate Student Loan Options. by NerdWallet. International Student Loans for 2023. ... Student loan refinancing can save you money, but how much depends on your credit history, income and ... When it comes right down to it, money is in control of many important aspects of our lives. What does it mean to refinance your mortgage? Well, first, you’d have to understand your mortgage.3. Choose a lender and complete an application. 4. Pay off your old loans. COMPARE RATES. Use Bankrate's student loan refinance calculator to see if you can save money on your student loan payment.Compare personal loans to refinance your student loan. Compare loan offers from reputable online lenders below. Before applying for a personal loan, contact the lender to see if they allow you to refinance the specific type of student loan that you have (federal, provincial and/or private). 1 - 11 of 11. Name.Splash Financial Student Loan Refinancing is a great option to refinance student loans, as it comes with no origination fees or prepayment penalties. Splash Financial Student Loan Refinancing ...You can refinance your student loans with a minimum balance of $10,000. Maximum student loan refinance loan limits apply depending on the type of degree. Maximum: $300,000 (Bachelor's degree or below) $500,000 (Graduate degree) $750,000 (Professional degree) Calculate your rate or see rate and repayment examples to learn your options.Loan terms: 5, 7, 10, 15 and 20 years Loan amounts available: $5,000 up to total balance of eligible loans Eligibility: Associate’s or bachelor’s degree required. Minimum credit score of 650 ...Nov 6, 2023 · With RISLA, you can refinance $7,500 up to a maximum of $100,000 to $250,000 (based on degree level and discipline). Repayment terms range from five to 15 years. To qualify, you’ll need a credit ... Deciding to refinance private student loans is a personal choice. The best option for you can depend on whether your credit has changed, you need a lower monthly payment or you can save money by ...Compare custom offers now State of Residence Credit score See your options Powered by Make all the right money moves Banking Credit Score Checking Savings Prepaid Debit Cards Money Transfer CDs... 3. Choose a lender and complete an application. 4. Pay off your old loans. COMPARE RATES. Use Bankrate's student loan refinance calculator to see if you can save money on your student loan payment.Deciding to refinance private student loans is a personal choice. The best option for you can depend on whether your credit has changed, you need a lower monthly payment or you can save money by ...Feb 23, 2023 · Student loan forgiveness for physicians assistants. Although they often take on considerable student loan debt to earn their master’s degrees, physician assistants often don’t earn as much as doctors or dentists. Fortunately, student loan repayment assistance and even forgiveness may be available. Here are some of the best options: May 2, 2022 · 3 Earnest Student Loan Refinance. Actual rate and available repayment terms will vary based on your income. Fixed rates range from 5.21% APR to 10.04% APR (excludes 0.25% Auto Pay discount ... Academic achievement is important because it prepares students for future careers. It also allows students to enter competitive fields. Academic achievement is often a sign of a refined intellect, which can help students in all areas of the...4.0 NerdWallet rating Min. credit score 660 Fixed APR 7.11-11.18%October 27, 2023 at 3:46 PM · 9 min read. Student loan refinancing is the process of taking out a new loan with a private lender and using it to pay off your existing student loans, often to get ...Nov 27, 2023 · If you want lower monthly payments and student loan forgiveness. Best repayment option: income-driven repayment. The government offers four IDR plans: income-based repayment, income-contingent ... This question is about Discover @grace_enfield • 01/18/22 This answer was first published on 01/18/22. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial inst...Citizens Bank is a national bank that offers a specific student loan refinance product for those looking to transfer a Parent PLUS loan to a child. You can refinance loans for multiple children, even while they are still in school. Variable rates: 5.09 % – 11.67 %. Fixed rates: 5.39 % – 11.88 %.10 Apr 2023 ... Are you wondering how to find the best student loans and rates in 2023? With so many options available, it can be overwhelming to navigate ...10 Agu 2023 ... It can be tempting to refinance your student loans for a lower interest rate ... Best New Ideas · Stocks · IPOs · Mutual Funds · ETFs · Options ...Refinancing your student loans is a fairly straightforward process that involves researching lenders, finding the lowest interest rates, and applying. The following steps show you how to refinance your student loans in a matter of weeks. Step 1: Compare Rates. A variety of private lenders refinance student loans, including banks, …For many students, the Free Application for Federal Student Aid (FAFSA) is an essential step in the college application process. The FAFSA helps determine eligibility for grants, loans, and other forms of financial aid.Refinance your student loans. ... Student Loan Repayment Options: Find the Best Plan For You. by Anna Helhoski. Read more. NerdWallet’s 2023-24 FAFSA Guide: How to Get Free Money for College.Jun 17, 2022 · Refinance your student loans. ... Student Loan Repayment Options: Find the Best Plan For You. by Anna Helhoski. Read more. NerdWallet’s 2023-24 FAFSA Guide: How to Get Free Money for College. The federal student loan rates for the 2022-23 school year are: Direct Subsidized and Unsubsidized Loans (undergrad students): 4.99%. Direct Unsubsidized Loans (graduate students): 6.54%. Direct ...Best Graduate Student Loan Options. by NerdWallet. International Student Loans for 2023. ... Student loan refinancing can save you money, but how much depends on your credit history, ...Nov 6, 2023 · These plans usually cover only direct costs, such as tuition and sometimes campus housing and food, and charge an enrollment fee but no interest. Live at home. Room and board cost an average of ... Paying off $100,000 student loan debt. I’m trying to pay off 100k loan with the standard 10-year repayment plan and a 7% interest rate. Monthly payment is 1,121.How do I manage it? r/studentloanrefi: r/studentloanrefi is a community for student loan borrowers to discuss refinancing, federal loan changes, and other loan-related ….How to Refinance Your Student Loans · Do Your Research on Refinancing Interest Rates · Evaluate the Loan Terms and Choose Your Lender · Prepare Your Documents and ...Complete Guide to Refinancing Student Loans in 2021. By Kristen Kuchar. November 5, 2021. Refinancing student loans can be an option to save money for some borrowers, change loan servicers or make student loan repayment easier to manage. However, there are pros and cons to refinancing student loans and it is not the best …Loan amounts: Minimum loan amount: $5,000; Maximum student loan limits: $125,000 for borrowers with an undergraduate degree, $175,000 for borrowers with a graduate or doctorate degree, $175,000 ...Best robo-advisors; Best options trading brokers and platforms; ... student loan refinancing is when a private lender pays off your existing loans and gives you a new loan with new terms.Affordability. 4.8. Customer Experience. 4.8. About Bankrate Score. SoFi started out in the student loan refinancing space but has since expanded its product line to include private student loans ...Complete Guide to Refinancing Student Loans in 2021. By Kristen Kuchar. November 5, 2021. Refinancing student loans can be an option to save money for some borrowers, change loan servicers or make student loan repayment easier to manage. However, there are pros and cons to refinancing student loans and it is not the best …1) Splash Financial. Splash Financial is an online marketplace that helps people refinance student loans. The Cleveland-based company was founded in 2013 to help students manage their student loan debt. Splash Financial uses its network of lenders to match borrowers with refinancing options.. Dow predictions, vanguard growth index admiral