Can I refinance federal and private student loans together?
While some lenders do charge fees, none of the student loan refinancing lenders we've partnered with charge origination or prepayment penalties.
But that doesn't mean you shouldn't check the fees before you refinance.
If you have a low credit score or haven't yet established a solid income source, for example, a cosigner with excellent credit could help you qualify for a loan with better terms and lower interest rate than you could get on your own.
However, having an established job history and good credit is generally enough to qualify for the best student loan refinancing options without a cosigner.
Fixed-rate loans offer interest rates that never fluctuate, which means your payment will stay the same no matter what.