Best Student Loan Refinance Rates for April 23, 2026: Credible Leads At 3.66%

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Student loan refinance rates have held steady throughout the first part of 2026. As of April 23, 2026, student loan refinance lenders are offering fixed rates as low as 3.71% APR and variable rates starting as low as 3.66% APR, depending on credit profile, loan type, income, and repayment term.

Credible is offering both the lowest variable rate loans starting at 3.66% APR and Splash is offering the lowest fixed rate loans starting at 3.71% APR.

For borrowers with private student loans especially, refinancing to lower your interest rate can save you thousands of dollars over the life of the loan.