Don’t let student debt get in the way of your dreams.

Student Loan Refinancing

  • Estimate Your Payment

    Refinance your student loans with the Eagle Gold All-in-One1 loan and put your savings to work. Try our student loan refinancing estimator to see how First Republic can make a difference to you.

    • 1Estimate Payment
    • 2View Eligibility
    • 3Contact Us
    Your payment estimate
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    • Loan Amount:
    • Fixed Rate:
    • Term:

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    Pick a rate/term option (rates shown as APR3)

    *Variable rate is based on 1 month LIBOR index. Lifetime rate cap is %. Floor rate is % for a year term.


    How much do you owe?

    • $
    See what it takes

    See terms and conditions

    Is your credit score 750 or higher? i

    First Republic looks at a variety of factors when underwriting a loan. One important requirement is that you have a minimum credit score of 750.

    Do you have at least 24 months of experience in your current industry? i

    First Republic looks at a variety of factors when underwriting your loan. One important requirement is that you have worked in your current industry for at least 24 months.

    What is your ZIP code? i
    Find a banker near you

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    As your designated First Republic Bank Associate from , is here to walk you through the loan process and answer any questions you have.

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    First Republic Bank has a limited service area for retail banking. Knowing your zip code helps us ensure your location falls within our service area.

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    • Loan amounts from $60,000 to $300,000

    • A dedicated First Republic banker

    • No origination, annual, or prepayment fees

    • Competitive fixed and variable rate options


    Prepayment Rebate Incentives

    First Republic will rebate the interest that has been paid against the loan, up to 2.00% of the original loan balance if the loan is paid in full within 48 months.

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    Your Life
    We'd Like to Introduce You to a Different Kind of Banking

    At First Republic, we understand that every person has a unique story. We are committed to customizing solutions that help you achieve your goals and to delivering exceptional service each and every time we interact. No matter where you are in your life or where you plan to be, we are here to help. Let our experienced team make your financial journey a seamless one.

    • Establishing a Financial Foundation

      With graduate school under your belt, you’re ready to get ahead in your career. Focus on the future by monitoring your spending and reducing debt to help achieve your goals.

    • Building Your Financial Future

      You’re establishing roots or growing your family. Begin building relationships with key partners you meet along the way who can advise on your financial strategy and ensure a strong plan of action.

    • personal

      Achieving a Major Career Milestone

      You’re working hard to establish a career and are ready for the next big step. Consider your options to help you make this leap in a responsible way and revisit your financial plan to ensure your long-term goals are still on track.

    • Retirement and Wealth Management

      You’re moving through the years with a strategic plan that will carry you into retirement. Be mindful of the lifestyle you want to lead and the legacy you hope to pass on.

  • FAQ's
    Frequently Asked Questions
    • How does Eagle Gold All-in-One differ from other student loans?

      Many student loans contain special features, such as forbearance periods, hardship deferment options, and income-based repayment plans. These features will no longer be available if your current loans are refinanced into an Eagle Gold All-in-One. You may also reduce the period during which you must repay your student loans. Consider these factors carefully when choosing whether to refinance your existing student loans. Additionally, you may be giving up certain tax benefits associated with the interest paid on student loans. Please consult with your financial and tax advisors to see if student loan refinancing is right for you.

    • What are the benefits?

      Benefits include: 

      • One single monthly payment
      • A dedicated First Republic banker
      • Attractive rates, with potential to reduce monthly payments and overall loan repayment amounts
      • A choice of term options
      • No origination, annual or prepayment fees
      • A simple and stress-free refinancing process.

      There is an additional limited-time offer of a rebate on interest paid against the loan, up to 2.00% of the original loan balance if the loan is paid off within 48 months. (See below for additional details.)

    • Are there any prepayment, origination or annual fees?

      There are no prepayment, origination or annual fees associated with the Eagle Gold All-in-One.

    • How does the 2.00% prepayment rebate work?

      First Republic will rebate the interest that has been paid against the loan, up to 2.00% of the original loan balance if the loan is paid in full within 48 months.

    • What are the requirements to receive the Eagle Gold All-in-One loan rates?

      You must have a First Republic ATM Rebate Checking Account with automatic loan payment, direct deposit of main source of income, and online banking. Minimum $500 to open an ATM Rebate Checking account. A monthly fee will apply if minimum monthly average balance of $3,500 is not maintained. Monthly fee waived for first three months; monthly fee is currently $25.00. Without auto debit, direct deposit and online banking, the rates will be as listed plus 5.00%. Rates are effective as-of February 1, 2016. The loan amount must be between $60,000 and $300,000. All loans are subject to First Republic’s underwriting standards. Terms and conditions apply. You must be located within close proximity to our offices in San Francisco, Palo Alto, Los Angeles, Santa Barbara, Newport Beach, San Diego, Portland (Oregon), Boston, Palm Beach (Florida), Greenwich or New York City. For a complete list of office locations, visit our locations page or contact a First Republic banker.

    • What is the application process?

      Applications can be filled out online using your computer or mobile device. You will then need to meet with a First Republic banker to complete your account opening paperwork. Visit our locations page to find an office near you.

    • What documents are needed to apply?

      • Primary form of government-issued ID (i.e. passport, military ID, driver’s license)
      • Verification of personal liquidity with full account statements
      • Two most recent pay stubs or P&L statements for self-employed individuals
      • Prior year, year-end income verification (W2 or tax returns)
      • Completed Eagle Gold All-in-One application

    • Why do you currently not offer Eagle Gold All-in-One loan in my state?

      First Republic Bank has a limited service area for retail banking. Eagle Gold All-in-One applicants must be located within close proximity to our offices in San Francisco, Palo Alto, Los Angeles, Santa Barbara, Newport Beach, San Diego, Portland (Oregon), Boston, Palm Beach (Florida), Greenwich or New York City. For a complete list of locations, visit our locations page or contact a First Republic banker.

    • How does Eagle Gold All-in-One differ from other student loans?
      Many student loans contain special features, such as forbearance periods, hardship deferment options, and income-based repayment plans. These features will no longer be available if your current loans are refinanced into an Eagle Gold All-in-One. You may also reduce the period during which you must repay your student loans. Consider these factors carefully when choosing whether to refinance your existing student loans. Additionally, you may be giving up certain tax benefits associated with the interest paid on student loans. Please consult with your financial and tax advisors to see if student loan refinancing is right for you.
    • What are the benefits?

      Benefits include: 

      • One single monthly payment
      • A dedicated First Republic banker
      • Attractive rates, with potential to reduce monthly payments and overall loan repayment amounts
      • A choice of term options
      • No origination, annual or prepayment fees
      • A simple and stress-free refinancing process.

      There is an additional limited-time offer of a rebate on interest paid against the loan, up to 2.00% of the original loan balance if the loan is paid off within 48 months. (See below for additional details.)
    • Are there any prepayment, origination or annual fees?
      There are no prepayment, origination or annual fees associated with the Eagle Gold All-in-One.
    • How does the 2.00% prepayment rebate work?
      First Republic will rebate the interest that has been paid against the loan, up to 2.00% of the original loan balance if the loan is paid in full within 48 months.
    • What are the requirements to receive the Eagle Gold All-in-One loan rates?
      You must have a First Republic ATM Rebate Checking Account with automatic loan payment, direct deposit of main source of income, and online banking. Minimum $500 to open an ATM Rebate Checking account. A monthly fee will apply if minimum monthly average balance of $3,500 is not maintained. Monthly fee waived for first three months; monthly fee is currently $25.00. Without auto debit, direct deposit and online banking, the rates will be as listed plus 5.00%. Rates are effective as-of February 1, 2016. The loan amount must be between $60,000 and $300,000. All loans are subject to First Republic’s underwriting standards. Terms and conditions apply. You must be located within close proximity to our offices in San Francisco, Palo Alto, Los Angeles, Santa Barbara, Newport Beach, San Diego, Portland (Oregon), Boston, Palm Beach (Florida), Greenwich or New York City. For a complete list of office locations, visit our locations page or contact a First Republic banker.
    • What is the application process?
      Applications can be filled out online using your computer or mobile device. You will then need to meet with a First Republic banker to complete your account opening paperwork. Visit our locations page to find an office near you.
    • What documents are needed to apply?
      • Primary form of government-issued ID (i.e. passport, military ID, driver’s license)
      • Verification of personal liquidity with full account statements
      • Two most recent pay stubs or P&L statements for self-employed individuals
      • Prior year, year-end income verification (W2 or tax returns)
      • Completed Eagle Gold All-in-One application
    • Why do you currently not offer Eagle Gold All-in-One loan in my state?
      First Republic Bank has a limited service area for retail banking. Eagle Gold All-in-One applicants must be located within close proximity to our offices in San Francisco, Palo Alto, Los Angeles, Santa Barbara, Newport Beach, San Diego, Portland (Oregon), Boston, Palm Beach (Florida), Greenwich or New York City. For a complete list of locations, visit our locations page or contact a First Republic banker.
  • Contact a Banker
    Contact a Banker

    Want to learn more about how student loan refinancing can make a difference? Contact a banker near you. We also welcome you to visit one of our locations.

    Find a banker near you
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    © 2016 First Republic Bank. All rights reserved.

    Deposit and loan products are offered by First Republic Bank, Member FDIC and Equal Housing Lender

    1This product is not an education loan and may remove federal privileges and benefits associated with existing student loans. Applicants should discuss loan terms and conditions with their banker and contact their legal or financial advisors for advice on deciding whether this is the right product for them.

    First Republic Bank has a limited service area for retail banking. Eagle Gold All-in-One applicants must be located within close proximity to our offices in San Francisco, Palo Alto, Los Angeles, Santa Barbara, Newport Beach, San Diego, Portland (Oregon), Boston, Palm Beach (Florida), Greenwich or New York City. In Florida, Applicant shall be responsible for any documentary tax due pursuant to state law. For a complete list of locations, visit our locations page or contact a First Republic banker.

    A variable interest rate loan has an interest rate that is tied to an index, 1-month LIBOR, and will increase and decrease periodically if the index changes. Therefore your monthly payment may change over the life of the loan. Variable rate is based on 1-month LIBOR index plus a margin set by First Republic Bank. Lifetime rate cap is 8.95% for 5 year term, 8.95% for 7 year term, 8.95% for 10 year term and 9.95% for 15 year term. LIBOR is rounded up to the next highest one-eighth (1/8th) of a percentage point.

    Annual Percentage Rate. Please note that rates are subject to change and that all loans are subject to the Bank's underwriting standards. Additional information may also be required for verification of the information that is provided. Rates effective as of December 1, 2016. Applicants must meet a First Republic banker in person to complete account and loan application paperwork. This can be done at any First Republic preferred banking office. Lifetime rate cap is 8.95% for 5 year term, 8.95% for 7 year term, 8.95% for 10 year term and 9.95% for 15 year term.



    In order to qualify for the rates listed above, applicants must also open a First Republic ATM Rebate Checking account with automatic loan payment, direct deposit of main source of income and online banking. Minimum $500 to open an ATM Rebate Checking account. A monthly fee will apply if a minimum monthly average balance of $3,500 is not maintained. Monthly fee waived for first three months; monthly fee is currently $25.00. Ask your banker for details. Without automatic loan payment, direct deposit and online banking, the rates will be as listed above plus 5.00%. Terms and conditions apply.

    This is not a commitment to lend or extend credit. Restrictions may apply. Rates may not be available at the time of application. Information and/or data are subject to change without notice. All loans are subject to credit approval. Not all loans or products are available in all states.