IN-SCHOOL & REFINANCE STUDENT LOANS
The smarter way to pay for college.
Here are just some of the benefits of using your Knewdle to pay for school:
- Prequalify and get your custom student loan rate in 3 minutes or less
- Multiple, flexible repayment options and terms
- 0.25% rate reduction for autopay2
- Free loan support and consultation services
Having a cosigner with good credit can significantly improve your chances for approval.
Fixed Rates*
3.493% to 11.99% APR1
*Lowest APRs include a 0.25% discount when auto pay is elected.2
TWO WAYS TO USE YOUR KNEWDLE
Which loan is right for you?
Whether you're paying for school right now or looking to improve loans you already have, there's a Knewdle path built for where you are.
In-School Student Loans
Borrow to pay for college now.
Cover tuition and school costs after exhausting federal aid, scholarships, grants, and work study. Prequalify in minutes, and once approved, funds are certified and sent directly to your school.
Best if: you're a current or incoming student who needs funds to pay for this year's college costs.
Refinance Student Loans
Replace existing loans with better terms.
Combine federal, private, or PLUS loans into a single new loan. Potentially lower your monthly payment, simplify your bills, or remove a cosigner.
Best if: you've left school and want to simplify or improve the terms of loans you already hold.
eligibility
Are you a fast learner ready to get exactly the right private student loan for you?
Let's start with eligibility basics. To apply for a Knewdle loan, you must:
- Be a U.S. citizen or permanent resident alien
- Attend an approved, accredited U.S. college or university
- Provide income verification documentation (such as a recent (30 days or less) pay stub for you or your cosigner)
process
1. Start the loan process
Click 'FIND MY RATE' to prequalify and receive custom rates in under 3 minutes without affecting your credit score.3
2. Complete the application
Review the loan details and complete the secure online application.
(This may affect your credit score.)3
3. Upload documenation
Upload required loan documentation to your account.
4. Customize and sign
Review your rates, configure your loan terms, and sign loan documentation.
5. We handle the rest
Your loan information will be sent to your school for certification. Once your loan is certified, it'll be disbursed directly to your school on their preferred date(s).
in-school loan rates & terms
The table below shows you how much a $10,000 private student loan would cost based on borrower choices of payment term and fixed interest rate. This table includes Knewdle's optional 0.25% automatic debit discount, which borrowers can enroll in upon entering repayment.2 Notice how a loan's rates and terms impact the monthly payments and total cost.
TYPE
JOINT INTEREST RATES
Fixed interest rates effective 6/11/2026
TERM
INTEREST RATES
ANNUAL
PERCENTAGE
RATE (APR)1
MONTHLY
PAYMENTS4
In Years
Low - High
Low - High
Low - High
7 Years
3.74% – 11.64%
3.493% – 10.201%
$134.55 – $264.90
10 Years
3.84% – 11.74%
3.592% – 10.426%
$99.45 – $215.48
15 Years
4.09% – 11.99%
3.842% – 10.783%
$73.28 – $182.82
TYPE
SOLO INTEREST RATES
Solo interest rates effective 6/11/2026
TERM
INTEREST RATES
ANNUAL
PERCENTAGE
RATE (APR)1
MONTHLY
PAYMENTS4
In Years
Low - High
Low - High
Low - High
7 Years
5.00% – 9.70%
4.498% – 8.638%
$170.41 – $235.08
10 Years
5.10% – 9.80%
4.853% – 8.825%
$105.54 – $187.39
15 Years
5.35% – 10.05%
5.102% – 9.149%
$79.77 – $154.74
refinance
Not happy with your current student loans? We can help. Refinance a single federal, private, or PLUS education loan, or combine multiple loans into a new refinance loan with Knewdle.
Simplify your finances, reclaim your future.
Combining multiple student loans into one refinanced loan can help reduce and simplify your monthly payments and even potentially lower the total cost of your loan. Sign up for automatic debit and lower your interest rate further. We offer multiple term options for you with no application or origination fees.
Is refinancing right for you?
Refinancing is a chance to “trade in” your current student loan or loans for a new one, with new terms that may better fit your needs. Refinancing allows borrowers to refinance both federal and private student loans into one single new loan with a new interest rate and repayment term. Refinancing can potentially lower a borrower's monthly payment by reducing their interest rate and/or extending the repayment term of their loan. However, extending a repayment term will typically result in a higher total cost of a loan. Additionally, refinancing a federal loan means forfeiting the benefits associated with federal loans. We encourage you to speak with your federal loan servicer and research the options on the studentaid.gov website before choosing a refinance loan.
Refinancing might be a good option if you're looking to:
- Lower your monthly payment: This is the most common reason why people refinance. You may be able to lower your monthly payment by qualifying for a lower interest rate, and/or extending your repayment term. Extending your repayment term increases your total loan cost, since you'll be paying interest on a greater number of monthly payments.
- Remove a cosigner: Refinancing is one way to do this.
- Consolidate multiple loans: Refinancing into a single new loan can help streamline your monthly payments.
refinance rates & terms
TYPE
REFINANCE FIXED INTEREST RATE
Fixed interest rates effective 10/28/2025
TERM
INTEREST RATES
ANNUAL
PERCENTAGE
RATE (APR)5
MONTHLY
PAYMENTS
In Years
Low - High
Low - High
Low - High
5 Years
4.15% – 7.82%
4.155% – 7.829%
$185.16 – $202.55
10 Years
5.15% – 8.32%
5.153% – 8.325%
$107.03 – $123.45
15 Years
5.25% – 8.47%
5.252% – 8.474%
$80.56 – $98.64
20 Years
5.49% – 8.72%
5.492% – 8.723%
$68.89 – $88.50
why knewdle?
Our Mission
Knewdle's mission is to help each and every customer make smart, informed borrowing decisions throughout their college career.
Service & Support
While our rates are competitive and our loan repayment terms are flexible, it's our knowledgeable and experienced customer service team that sets Knewdle apart.
Our Partners
Knewdle has established strategic partnerships to provide you with an optimal borrowing experience. Knewdle works with the following partners to support you: CampusDoor to originate your loan through the Granite Edvance Corporation or the Bank of Lake Mills to fund your loan products.
