Lower Student Loan Interest Rates With Refinancing

We'll show you how better refinancing can help you get rid of your student loans faster.

Refinance Your Student Loan the Right Way

Student loan refinancing is only a good option if it will give you the push you need to pay off all your debt faster. By refinancing, you can get a lower fixed interest rate and use the savings to speed up your debt payoff.

But refinancing your student loans is just part of managing your money smarter. It’s all about taking on better money habits and never making debt an option again. 


Learn more about refinancing your student loans. 

Why Dave Chose Splash Financial

  • Like us, they believe in taking control of your money and crushing student loan debt.
  • You can combine your federal and private student loans for a better net interest rate.
  • You can get out of debt sooner with a shorter repayment period.
  • You can get your new rate in about 10 minutes.
  • They don’t charge any dumb processing or early repayment fees.
  • They won’t push credit cards or other loans.

What Customers Have to Say:

"I loved the ease of making my application for refinancing my student loans. The customer service rep answered my questions with ease, educating me on the difference between consolidation and refinancing!"

— Deborah G.

Refinance in 4 Easy Steps

Get Your Rate in 10 Minutes

The Lampo Group, LLC, through ramseysolutions.com, provides advertising for third parties, including Splash Financial. This form is provided as a direct link to the Splash Financial site. Information submitted by you is collected, stored and/or used by Splash Financial pursuant to the Splash Financial Terms of Use. The Lampo Group, LLC, through ramseysolutions.com, with your permission, collects only your name and email. You agree that Splash Financial may share information about your application status and loan amount with ramseysolutions.com. All other information, necessary for the application for refinancing, submitted on this form is directly linked to Splash Financial’s site and is in no way collected, reviewed, or stored by ramseysolutions.com. Likewise, any credit offer that you may receive is solely provided by Splash Financial and is not generated or provided by ramseysolutions.com. The Lampo Group, LLC does not warrant any sites, services or information provided by Splash Financial.

Student Loan Payment Relief Extension

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Student Loan Refinance Frequently Asked Questions

Who is Splash?

Splash Financial is all about saving you money by helping you get out of student loan debt faster. As a student loan refinance company, they work with you to combine your federal and private student loans. Then they help you lock in a better net interest rate and a shorter repayment period so you can crush your student loan debt for good. Splash supports what we teach and will never try to sell you other debt products like credit cards or loans.

What is student loan refinancing?

Student loan refinancing is the only kind of debt consolidation Ramsey Solutions recommends. Period. And that’s because student loan refinancing allows you to combine both federal and private student loans to get one loan with a new, lower interest rate and shorter repayment period. That means you’re paying off your student loans faster, paying less interest, and hitting your money goals even sooner!

Am I eligible to refinance my student loans?

To be a good candidate to qualify for a refi with Splash, here’s what you need:

• A degree
• A minimum yearly income of $36,000*
• A credit score of at least 660

Depending on the details of your situation, you may need to meet other eligibility requirements. Fill out the online rate check in minutes to get started!
*This amount will vary for married couples.

Wait, I thought Ramsey was anti-FICO. Why do I need a credit score to refinance my student loans?

You’re right. Credit scores are a con job to keep you stuck in the debt cycle. But if you’ve got student loans, then you’ve got a credit score. You’re playing their game until you’re done with debt. Splash helps you lock in a lower interest rate from one of their bank or credit union partners so you can pay off your student loan debt faster. Then you never have to use debt to pay for anything ever again.

How much does Splash charge?

Splash has zero fees. That’s right. No application fees, no origination fees and no prepayment penalties.

Do I schedule an appointment with someone or sign anything in person?

Nope! Everything is done 100% online. The whole process can be done in four easy steps:

  1. Start your application.
  2. Get your new rate estimate in about 10 minutes.
  3. Finish your application.
  4. Start your new payments.