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OUR MISSION
At First Republic, we believe that student loan debt is an investment — a commitment made by individuals to achieve their highest potential. That’s why we’re changing the conversation from obstacle to opportunity and shining the spotlight on the dreams, debt and determination of individuals from across the country who are investing in their futures — regardless of the cost.
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Student Loan Refinancing from First Republic1By offering industry-low rates and pairing borrowers with a dedicated personal banker, refinancing your student loans with First Republic could help you get out of debt faster or save more over time. Seeing your rate takes less than one minute; discounted rates start at just 1.95% APR.2
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Student Loan Refinancing Solutions from Gradifi3Gradifi gives employers the agency to help solve one of our country’s most pressing financial crises by joining with over 700 employers across the U.S. to implement student loan repayment benefits. Additionally, Gradifi offers a student loan refinancing solution that lets users compare lenders, calculate potential savings and access helpful resources.
FIRST REPUBLIC IS COMMITTED TO ACCESSIBLE HIGHER EDUCATION
1. 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.
Product is not available in all markets. For a complete list of locations, visit firstrepublic.com/locations. Applicants must meet a First Republic banker in person to complete paperwork. This can be done at any First Republic Preferred Banking Office. This is not a commitment to lend, all loans are subject to First Republic’s underwriting standards. Applicants should discuss loan terms, conditions and account details with their banker.
2. 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 adjustments of: (1) 2.00% for maintaining automatic payments and direct deposit with the Account; (2) 0.50% for depositing and maintaining a deposit balance equal to the greater of 10% of the approved loan amount or $5,000 into the Account; and (3) an additional 0.25% for depositing and maintaining a deposit balance equal to the greater of 20% of the approved loan amount or $10,000 into the Account. Payment example for a loan amount of $100,000. 5-year/60 monthly payments of $1,750.59 at 1.95% APR. 7-year/84 monthly payments of $1,310.10 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.
3. Gradifi, Inc., is a wholly owned subsidiary of First Republic Bank.
© 2019 First Republic Bank.
Banking products and services are offered by First Republic Bank, Member FDIC and Equal Housing Lender
Investment Advisory services are provided by First Republic Investment Management, Inc. Trust services are provided by First Republic Trust Company and First Republic Trust Company of Delaware LLC. Brokerage services are offered through First Republic Securities Company, LLC, Member FINRA/ SIPC. Insurance services are provided through First Republic Securities Company, DBA Grand Eagle Insurance Services, LLC, CA Insurance License # 0I13184, and First Republic Investment Management, DBA Eagle Private Insurance Services, CA Insurance License # 0K93728.
Investment, Insurance and Advisory Products and Services, and Foreign Exchange Transactions, are Not FDIC Insured or Insured by Any Federal Government Agency, Not a Deposit, Not Bank Guaranteed and May Lose Value.
