Best Student Loan Refinance Rates for May 14, 2026: Credible Leads At 3.65%

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Student loan refinance rates have held steady throughout the first part of 2026 as the Fed has held interest rates steady. As of May 14, 2026, student loan refinance lenders are offering fixed rates as low as 3.95% APR and variable rates starting as low as 3.65% APR, depending on credit profile, loan type, income, and repayment term.

Credible is offering both the lowest variable rate loans starting at 3.65% APR and Earnest is offering the lowest fixed rate loans starting at 3.95% 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.