Routing Number: 307070021

Student Loan Refinance

Fast Application Process

Online application process that's fast and easy!

Better Rates

Replace those high interest rates with rates that better fit your budget!

Easy Management

Easy account access, application management, resources and more with LendKey©!

Hassle Free Loan

Easy automatic monthly payments which could lower your interest rate*!

Take Control of Your Student Loans

We're here to make your student loan debt more manageable. We have student refinancing loan options to fit your unique financial situation and could help pay off your loan faster!

Refinance Now

Student Loan Refinance Features

Are you currently paying on your student loans after you have already graduated? You could consolidate both federal and private student loans into one easy payment by refinancing your current student loans with LendKey. 

  • Easy and fast online application process

  • No application or origination fees

  • Flexible rates and terms that work with your budget

  • Set recurring monthly payments to lower your interest rate*
  • Release your co-signer after making 12 consecutive on-time, interest and principle payments1, when requested
  • One easy monthly payment; no need to keep track of multiple monthly payments

View Current Student Loan Rates and Terms

Are You Eligible?

To find out if you are eligible to refinancing your student loans, use the button below to learn more and apply!

Learn More

Have questions? Call LendKey today!


* If you enroll in automatic monthly payments from a personal checking or savings account to pay principal and interest amounts that are due, the Margin will be reduced by 0.25%. This rate reduction will be removed and the rate will be increased by 0.25% upon any cancellation or failed collection attempt of the automatic payment and will be suspended during any period of deferment or forbearance. As a result, during the forbearance or suspension period, and/or if the automatic payment is cancelled, any increase will take the form of higher payments.

1 Cosigner release is subject to lender approval. In order to qualify, the borrower must submit a request and the borrower must meet the following requirements: (1) make the required number of consecutive, on-time full principal and interest payments as indicated in the borrower's credit agreement during the repayment period (excluding interest-only payments) immediately prior to the request. Any period of forbearance will reset the repayment clock; (2) The account cannot be in delinquent status; (3) The borrower must provide proof of income indicating that he/she meets the income requirements and pass a credit review demonstrating that he/she has a satisfactory credit history and the ability to assume full responsibility of loan repayment; (4) No bankruptcies or foreclosures in the last sixty months; and (5) No loan defaults on a student loan or with Air Academy Federal Credit Union.

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