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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Student Loan Refinance Calculator Person Icon See your rate in less than 60 seconds All fields required unless noted
Estimate your payment All fields required unless noted
Your options
Relationship-Based Pricing Adjustment i
by increasing your checking relationship with First Republic you can take advantage of a lower fixed rate
Checking Account Adjustment
No Yes
Minimum Balance
A minimum balance amount of 10% of the original loan amount or $5,000, whichever is greater. A minimum balance amount of 20% of the original loan amount or $10,000, whichever is greater.
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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 options

We have teamed up with CommonBond, a leader in education financing, which may also 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.

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.

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.


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

Annual Percentage Rate. Rates effective as of February 15, 2019, and are subject to change.

Borrower must open a First Republic ATM Rebate Checking Account ("Account"). Terms and conditions apply to the Account. If the Account is closed, the rate will increase by 5.00%. Rates shown include relationship-based pricing adjustment of 2.00% for maintaining automatic payments and direct deposit with the Account.

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.

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.

The terms of this loan may differ from terms of your current loan(s). For example, this loan does not contain special features such as rescission periods, forbearance periods, or income-based repayment plans available for some student loans. If the debt you are refinancing was all incurred for qualified higher education expenses or to refinance a qualified education loan under the Internal Revenue Code, the interest you pay on this loan may benefit from certain deductions thereunder, and it may also be the case that this loan will not be dischargeable in bankruptcy. Applicants should contact their legal, tax and financial advisors for advice on deciding whether this is the right product for them.

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 Bank's underwriting standards. Additional information may be required for verification of documents provided. Applicants must meet a First Republic banker in person to complete account opening paperwork. This can be done at any First Republic Preferred Banking Office.

© 2019 First Republic Bank.



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