Student Loan Refinance Calculator

Student Loan Refinancing Estimator

Based on your answers, you’re now ready to get connected to a banker.

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Thank you for your interest in refinancing your student loans with us.

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Your results
Relationship-Based[2] Pricing Adjustment i
by increasing your checking relationship with First Republic you can take advantage of a lower fixed rate
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Loan Amount
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*Savings compared to @@@@@-year term at a #####% interest rate. Actual savings may vary. Contact a banker to evaluate your actual savings.

 
Your results

First Republic looks at a variety of factors when underwriting a loan. One important requirement is that you have a strong credit history. If you are interested in applying, feel free to contact us or visit one of our locations for more information.

It appears that you live outside of our service area. The good news is we have teamed up with CommonBond, a leader in education financing, which may be an option for you.* Click below to learn more.


Find your rate at CommonBond
*Loan terms and conditions, eligibility requirements, and credit underwriting are the responsibility of CommonBond. You should carefully review CommonBond disclosures and offer terms before accepting any offer from CommonBond. First Republic may receive referral compensation from CommonBond.


Based on the information you provided, you do not meet the minimum loan amount requirement for refinancing your student loan with us. The good news is we have teamed up with CommonBond, a leader in education financing, which may be an option for you.* Click below to learn more.


Find your rate at CommonBond
*Loan terms and conditions, eligibility requirements, and credit underwriting are the responsibility of CommonBond. You should carefully review CommonBond disclosures and offer terms before accepting any offer from CommonBond. First Republic may receive referral compensation from CommonBond.

Based on your answers, you’re now ready to get connected to a banker.

Thank You

Thank you for your interest in refinancing your student loans with us.

ABOUT OUR SERVICE AREAFirst Republic has a limited retail banking service area. Visit our locations page for more information.


Meet

As your dedicated banker, will reach out to you to walk you through the process and answer any questions you may have.


Other First Republic services
  • Checking

    We offer a variety of checking account options that come with a host of featured services designed for security, convenience and service.

  • Savings

    Whether you're saving for the short or long-term, we have a variety of savings accounts tailored to your needs.

  • Money Market

    First Republic offers Money Market Checking and Savings accounts that feature competitive interest rates and are tailored to meet your banking needs.

  • IRAs

    Our retirement accounts to help you prepare for the retirement you've always wanted.

  • Online & Mobile Banking

    First Republic offers all our clients the convenience and flexibility of online and mobile banking from your desktop, smartphone or tablet. Manage your accounts whenever it suits you, from wherever you are in the world.

  • ATM Card and ATM/Debit Card

    The First Republic ATM Card and ATM/Debit Card allow you to access your funds worldwide.


Banking products and services are offered by First Republic Bank, Member FDIC and Equal Housing Lender

Annual Percentage Rate. Rates effective as of August 1, 2018, 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 $1310.10 at 2.75% APR. 10-year/120 payments of $991.21 at 3.55% APR. 15-year/180 payments of $737.19 at 3.95% APR. The final monthly payment may vary by a slight amount.

To qualify for a 2.00% rate adjustment, borrowers must open a First Republic ATM Rebate Checking account (“Account”) with automatic loan payment and direct deposit. To qualify for an additional 0.50% rate adjustment, borrowers must deposit and maintain an amount of money equal to the greater of ten percent (10%) of the approved loan amount or $5,000 into the Account. If at any time during the life of the loan the borrower does not meet these requirements, the rate adjustments will be removed and your rate will increase by 2.00% and 0.50% respectively.  Terms and Conditions apply to the ATM Rebate Checking account.  Contact a First Republic banker to learn more.

Loan minimum is based on the highest degree obtained. For applicants with an undergraduate degree, the minimum is $40,000. For applicants with a graduate degree, the minimum is $25,000. The maximum loan amount for refinancing for all applicants is $300,000.

Note that the Bank does not refinance existing First Republic Student Loan Refinancing loans. 

Student Loan Refinancing is not available in all markets. For a complete list of locations, visit the Locations page.

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.

© 2018 First Republic Bank.




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