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Get a rate. Get a refi. Get ahead.

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 our great rates2 and personalized service can make a difference for you.


  • 1Estimate Payment
  • 2View Eligibility
  • 3Contact Us

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

*Variable rate is based on 3 month LIBOR index. Lifetime rate cap is %. Floor rate is % for a year term.


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  • Loan amounts from $40,000 to $300,000

  • A dedicated First Republic banker

  • No origination, annual, or prepayment fees

  • Competitive fixed 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.

Frequently Asked Questions

  • How does Eagle Gold All-in-One differ from other student loans?

    This is not a student loan.  The terms of this product may differ from terms of your current loan. For example, this product does not contain special features such as forbearance periods and income-based repayment plans available for student loans.  Applicants should discuss loan terms and conditions with their banker and contact their legal and financial advisors for advice on deciding whether this is the right product for them.

  • 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.
    • A 2.00% interest prepayment rebate (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 and direct deposit of main source of income. 
    • 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 and direct deposit, the rates will be as listed plus 5.00%. The loan amount must be between $40,000 and $300,000. All loans are subject to First Republic’s underwriting standards. 
    • 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?
    This is not a student loan.  The terms of this product may differ from terms of your current loan. For example, this product does not contain special features such as forbearance periods and income-based repayment plans available for student loans.  Applicants should discuss loan terms and conditions with their banker and contact their legal and financial advisors for advice on deciding whether this is the right product for them.
  • 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.
    • A 2.00% interest prepayment rebate (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 and direct deposit of main source of income. 
    • 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 and direct deposit, the rates will be as listed plus 5.00%. The loan amount must be between $40,000 and $300,000. All loans are subject to First Republic’s underwriting standards. 
    • 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.

© 2017 First Republic Bank. All rights reserved.

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

1This is not a student loan.  The terms of this product may differ from terms of your current loan.  For example, this product does not contain special features such as forbearance periods and income-based repayment plans available for student loans.  Applicants should discuss loan terms and conditions with their banker and contact their legal and financial advisors for advice on deciding whether this is the right product for them. Go back

2In order to qualify for the fixed rates listed above,  applicants must open a First Republic ATM Rebate Checking account with automatic loan payment and direct deposit.  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. Ask your banker for details. For fixed rate loans, if at any time during the life of the loan the borrower does not maintain automatic loan payment or direct deposit, the rates will be listed as above plus 5.00%. Go back

3Annual Percentage Rate. Rates effective as of September 12, 2017 and are subject to change. Payment example for a loan amount of $100,000. 5 year/60 monthly payments of $1750.59 at 1.95% APR. 7 year/84 monthly payments of $1292.24 at 2.35% APR. 10 year/120 payments of $947.25 at 2.60% APR. 15 year/180 payments of $688.18 at 2.95% APR. The final monthly payment may vary by a slight amount. Go back

Eagle Gold All-in-One Applicants must be located within close proximity to our offices which are primarily in San Francisco, Palo Alto, Los Angeles, Santa Barbara, Newport Beach, San Diego, Portland (Oregon), Boston, Palm Beach (Florida), Greenwich or New York City.  Not all loans or products are available in all states. For a complete list of locations, visit our locations page or contact a First Republic banker.

This is not a commitment to lend or extend credit. All loans are subject to the Banks's underwriting standards. Additional information may be required for verification of documents provided. In Florida, applicant shall be responsible for any documentary tax due pursuant to state law. 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.